Expat car insurance in Spain is legally required to drive and protects you from fines, liability, and unexpected financial risk.
Whether you’re importing a vehicle, buying one locally, or driving with a foreign licence, the right policy ensures compliance with Spanish law and peace of mind on the road.
Clear advice. Legal compliance. Real support for expats.
Third-Party • Fire & Theft • Comprehensive
We help expats find Spanish-authorised car insurance — from minimum legal cover to full protection for newer or imported vehicles.
The minimum legal car insurance required in Spain.
Balanced protection with added peace of mind.
Maximum protection for your vehicle.
Spain requires valid car insurance for every vehicle driven on public roads.
Without it, drivers face:
Whether you are:
You must hold insurance issued by a Spanish-authorised provider.
Official source:
For a detailed breakdown, see our full guide:
Your premium is based on:
We calculate your price based on your real profile, not assumptions.
Comprehensive Car Insurance (Todo Riesgo): recommended for new cars, financed vehicles, imported cars and expats adapting to driving in Spain. Read the decision guide:
Only policies that meet legal and expat requirements.
Immediate coverage and help whenever you need it.
UEI explained everything clearly. I finally understood my options.
They made foreign plate insurance simple.
Straightforward, supportive, human.
They compared multiple insurers and told me honestly what I didn’t need. That felt different.
I appreciated that they helped me during the claim — not just during sign-up.
Yes — if you drive on Spanish roads, you must have valid insurance.
Often no — long-term driving requires Spanish insurance.
Yes — family members or spouse can be added.
Only if you choose Fire & Theft or Comprehensive.
Yes — we help expats with imported cars too.
Usually same day, fast activation.
Fast, Clear, No Obligation.
