Do I need to renew Spanish car insurance?

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11 Aug 2018 12:42 by flunky54 Star rating. 2 posts Send private message


Do I need to renew my spanish car insurance annually if I only use the Spanish registered car once maybe twice a year, then renew it when we go over there and cancel it when we come back, giving the insurers the statutory 2 months notice?




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11 Aug 2018 12:57 by marcbernard Star rating in Marina Alta; Alicant.... 245 posts Send private message

You may well find that Spanish insurers have their own rules. It may be possible to pause the cover during non-use periods but otherwise they may say, as they have done to me on occasions, that the cover is annual and no refunds are made.

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11 Aug 2018 14:10 by Jarvi Star rating in Halifax UK and Sucin.... 718 posts Send private message

What if its stolen or sets on fire? I cant see any company allowing you to do what you suggest.

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11 Aug 2018 15:08 by flunky54 Star rating. 2 posts Send private message

It is behind locked gates and in a garage, we only go to the house as I said once/twice a year, we were also thinking about maybe selling it and just hiring a car?


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11 Aug 2018 15:54 by mariedav Star rating in Ciudad Quesada. 1003 posts Send private message

This has been discussed on here before but I can't find the original.

You must insure your car whether it is being used or not. This is the same as in UK now but you can SORN your car in UK. There is no such thing as SORN in Spain so it must be kept insured.

The point about cancelling has already been made. If you cancel after a couple of months, the insurance company does not refund the difference.


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11 Aug 2018 16:17 by EsmeraldaDizon Star rating in Alicante & Westminst.... 3 posts Send private message

EsmeraldaDizon´s avatar

You could do a Mr Bean and remove the steering wheel.

statutory 2 months notice?  decided or controlled by law, more like made up.

Why an annual policy, where did that ever come from. They told me when I went to Asia it was Spanish law I had to have my car insured even if not used and off road.

There is unquestionably a market here for PAYG insurance for holiday home owners.


This message was last edited by EsmeraldaDizon on 11/08/2018.

Enjoy life while you can, don't try and put the world to rights.

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12 Aug 2018 05:16 by nicbax Star rating in Fuengirola. 146 posts Send private message

Hi, you say you only use the car once or twice a year. you outlay for a years insurance, road fund, ITV, servicing and repairs; with respect is it really worth the cost coupled with depreciation. Would be cheaper to hire a car.

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