Best value for your car insurance
The most competitive car insurance for expats in Spain, in your own language
A wide range of coverage that you can adapt to your needs
From third party liability to comprehensive cover, Generali offers a wide range of coverage for your car insurance that you can customise to suit your needs. Plus, there’s the advantage of professional advice from our agents and brokers to make sure that your car is in safe hands so you can enjoy driving.
The best car insurance in Spain designed for the expat market
Extended Public Liability
Extra protection for greater peace of mind.
Courtesy car as standard
In case of theft, fire, accident or breakdown.
Roadside Assistance in English
24/7 with a freephone number.
Documents in English
Clear and easy-to-understand policy terms.
Accident cover
For both driver and passengers.
Theft and write-off protection
Higher cover limits for your car’s full value.
Electric vehicle cover
Tailored protection for electric and hybrid cars.
Fines management
Help with traffic fines and related claims.
Full cover for wild animal collisions
Stay protected even after unexpected encounters on the road.
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We insure vehicles registered in Spain. We can also provide temporary third-party only cover for vehicles from other European countries, as long as these vehicles are in the process of being reregistered in Spain, for up to three months.
Learn more on our blog about foreign-plated car registration in Spain and conditions for temporary insurance.
We are here to help you!
Ask for a no-obligation quote now or find your nearest local agent or broker. They are available to provide friendly and expert advice, in your language, regarding the best covers and options to suit your specific needs whilst in Spain.
Frequently asked questions
Yes, according to the current legislation, it is mandatory for all Spanish registered vehicles to have the minimum third party public liability insurance. The only exception is if the vehicle is officially registered as off the road (SORN) with the Traffic authorities.
The excess is the amount that you pay to cover the repair of damage caused in an own damage claim, according to the insurance policy. Generali will cover the remaining costs. This way you can reduce your annual insurance premium.
The vehicle market or book value is the value of the vehicle just before a claim. This value is determined by a loss adjuster and is used by the insurance company to calculate the claim compensation.
If you have taken out total loss cover, you will get 100% of the vehicle’s "brand new" value if the vehicle is less than two years old; 80% of the vehicle’s "brand new" value if the vehicle is less than 3 years old, and 70% of the vehicle’s "brand new" value if it is less than 4 years old. For vehicles older than 4 years, Generali will compensate you with the market value of the vehicle plus 30%.
Should the unthinkable happen, here are some tips that everyone, from a new driver to an experienced one, should remember in case of an accident:
- Stay calm and put on the reflective vest
- Get to a safe area near the accident scene, turn on your emergency lights and use the warning triangles or the V-16 emergency beacon
- Make sure everyone is okay and call 112, if necessary, for medical and police assistance
- When it is safe, take pictures of the vehicles involved, damage, road signs, etc.
- Get statements and contact information from any witnesses
- If you need roadside assistance, immediately call 900 101 369, Generali’s freephone number, where you will be spoken to in your own language.
To get an accurate car insurance quote, please make sure that you provide the following information:
- Main driver date of birth and driving licence issue date
- Vehicle information – It’s best if you provide a copy of the vehicle logbook, which contains information about the vehicle model and version, accessories, date of manufacture, etc.
- Your NCB information
- Your Spanish NIE or NIF number