When to Get Comprehensive Car Insurance in Spain (Expat Guide 2026)
Comprehensive car insurance in Spain (seguro a todo riesgo) isn’t always necessary — but in many situations it is the financially safest decision, especially for expats adapting to Spanish driving conditions.
This guide explains when comprehensive insurance makes sense, when third-party cover is enough, and how expats decide based on vehicle value and risk.
Full car insurance overview:
What Is Comprehensive Car Insurance in Spain?
A todo riesgo policy covers:
- Damage to your own vehicle
- Theft, fire, vandalism
- Weather damage
- Glass and windscreen
- Liability to others
Available:
- With excess (franquicia) – cheaper
- Without excess – maximum protection
All car insurance policies in Spain are regulated and supervised by the Spanish insurance authority (DGSFP), ensuring consumer protection and legal compliance.
When You SHOULD Choose Comprehensive Insurance
- New cars (0–5 years)
- Financed or leased vehicles
- High-value or premium cars
- Expats adapting to Spanish driving
- Urban street parking
- Long-distance or motorway driving
- Limited emergency savings
If you decide that comprehensive cover (todo riesgo) is the right option for your situation, the next step is choosing a policy that accepts foreign licences, imported vehicles and expat profiles. You can see how expat-focused car insurance works in practice here: Expat Car Insurance Spain.
When You Might NOT Need Comprehensive Insurance
- Cars over 8–10 years old
- Very low usage
- Low vehicle value
- Budget-only priority
Todo Riesgo vs Terceros (Quick Comparison)
Feature | Todo Riesgo | Terceros |
Own damage | Included | Not Included |
Theft & fire | Included | Optional |
Vandalism | Included | Not Included |
Cheapest | Not | Yes |
Costs of Comprehensive Insurance (2026)
- New cars: €500–€1,200
- Mid-range: €300–€700
- Premium: €1,000–€2,000
Imported Cars & Expats
Comprehensive insurance is strongly recommended during:
- Import process
- ITV inspection
- Registration
Unexpected repair costs are common.
When to Switch to Third-Party Insurance
Most drivers downgrade after 6–8 years, once market value drops.
Related Insurance Products & Guides
FAQs — Comprehensive Car Insurance
Is comprehensive insurance mandatory?
No.
Is it worth it for expats?
Usually yes in the first years.
