FAQ - Frequently asked questions

Most Spanish policies are automatically renewed each year. We will notify you well in advance of the renewal date of your premium for the following year. If you have taken out insurance with an insurer that does NOT renew automatically, we will write to you well in advance of the renewal date and send you the renewal terms.

The equivalent of the original vehicle registration book, known in Spain as the "licencia de circulación" and "ficha técnica", the original of the driving licence and the original of the insurance payment receipt for the current period. If you pay your premium by direct debit, it will be your bank that will send you this receipt. If you do not receive it, you can claim it from your bank or contact us and we will send you a duplicate.

We can provide you with third party liability insurance only, or supplement it with fire and theft insurance.

This varies from insurer to insurer but, generally speaking, any driver over 27 years of age with a driving licence more than two years old and authorised by the vehicle owner can drive the car. You should advise us if you plan to have anyone under that age drive the car.

Yes, we are happy to respect your no-claims bonus entitlement that you enjoyed with your previous insurer (even in the case of overseas insurers). All you need to do is to have the discount you enjoyed with them certified.

If the damage to your vehicle is so severe that repair is not feasible, then your insurer will make a settlement proposal based on the replacement value of your vehicle just prior to the loss. A vehicle will be considered irreparable when the cost of repair exceeds 80-85% of the value of the vehicle.

You should report the theft to the police and obtain a police report, which you should send to us. We will then write to you and ask you to provide us with the following:

• Original documentation for the vehicle.
• Spare keys for the vehicle.
• Photocopy of the last payment of the road tax.
• Photocopy of your identity card.
• Duly completed vehicle purchase contract. You can download it here.
• The application for the transfer of the vehicle. You can download it here.
• The application for deregistration of the vehicle. You can download it here.
• The standard police questionnaire can be downloaded here.

If your vehicle has been damaged, we will arrange for an expert to inspect it in the garage of your choice as soon as possible, depending on the type of cover you have taken out, we may or may not be able to authorise its repair and get it back on the road as soon as possible.
If the accident was caused by a third party, we will immediately inform the insurance company of the other vehicle.

You must complete the European Accident Report form which we provide with your insurance policy. This should be completed as far as possible and signed by both parties, but only if you fully agree with its contents. Correct completion of the form can go a long way towards shortening the time taken to process your claim. Once completed, please submit it as soon as possible so that we can begin the claim process. If your car is disabled as a result of the accident, you should call the assistance telephone number on your insurance documentation and they will arrange for a tow truck to transport your vehicle to the garage of your choice.

This will vary depending on the nature of the claim. However, in general, the following rules apply:

Own damage:

• Take any necessary measures to prevent further loss or damage.
• Ask for an estimate for the repair of the damage.
• Keep any items that have been damaged, as the loss adjuster may need to inspect them in order to assess the damage.

Damage caused by a third party:

• Make sure you have all the details of the other person/boat involved: name and physical address of the person responsible for the other boat, the details of the owner of the other boat (if they do not match), their insurance company, policy number and the name of their boat.
• If there are any witnesses to the incident, you should also obtain their contact details.

Damage caused to third parties:

• If you are held liable by a third party for damage to you or your property, you should provide them with your insurance policy details.
• DO NOT accept any liability or offer any form of payment.
• If you are contacted by the third party, please ensure that correspondence is forwarded to us as soon as possible.

Theft/vandalism:

• Report it to the police as soon as possible and send us a copy of the relevant police report together with a fully completed accident report form.
• Be sure to report the theft to the control tower at the port where the theft took place.