Car Insurance

Car Insurance

In Spain it is a legal requirement that all cars are insured unless registered as off the road. We are here to make sure you purchase the policy that best fits your needs from basic third-party liability to fully comprehensive cover.

We also have a range of specialist policies for those with complex Insurance requirements. Should need to make a claim you can be confident in the knowledge that you are sufficiently covered and have access to full support throughout the claims process. At The Insurance Centre we pride ourselves on offering highly competitive prices on the best quality policies available on the insurance market today.
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Our Policies include:

European Green Cards

European Breakdown Assistance

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Windscreen Cover

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Protected No Claims

Bilingual Personal Claims Advisor

24hr free Bilingual Assistance Helpline

Legal Defence

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Courtesy Car should your car be off the road

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Liability Cover for Trailers, Cyclists and Caravans

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Our Policies

Our goal is to ensure all our clients receive the best insurance product for their needs we therefore have 6 insurance options available to all our Clients

Third Party Liability

Mandatory and Voluntary Liability.

Liability included in the policy

Mandatory liability with limits according to the Law. The insurer undertakes to pay indemnities derived from the liability of the driver of the insured vehicle which causes damage to people or property. Voluntary liability. The insurer undertakes to pay indemnities derived from the liability of the driver of the insured vehicle which causes damage to people of property.
The amount paid is the limit agreed in the schedule in excess of the cover provided under the mandatory liability at the time of the claim. Included in the Voluntary liability is damaged caused to third parties as a result of fire from the insured vehicle.
Personal Accident.

Driver and passenger cover

Under this cover accidental death is covered due to the result of a traffic accident and according to the amounts declared on the insurance policy. A sum of 3.000 € will be paid in advance to take care of all funeral arrangement.
Under this cover accidental and permanent disability is covered due to the insured suffering total permanent disability. The insurer will indemnify 100 % of the sum insured less any payments it may have made as indemnities for partial permanent disability. The scale of payment is according to the insurers conditions.

 

Health Care expenses arising from accidents

For one year the insurers will cover all medical, pharmaceutical, hospitalisation and treatment expenses if the care is provided in Spain and only by clinics and hospitals which are recognised by the Insurance Compensation Consortium. Also covered is:-
● Urgent transport of the injured party to the nearest health centre immediately after the accident
● Ambulance transportation if further required
● Initial purchase of prostheses, glasses, hearing aid devices that might be necessary as a result of the accident or the repair and replacement of such items

 

Personal Accident cover for the driver

According to the policy conditions the insurer agrees to pay the fixed sum over 24 monthly annuities in the event of death or total permanent disability.

 

Temporary suspension of driving licence

The insurer will pay out a monthly subsidy according to the amounts agreed in the policy as regards to temporary suspension of your driving licence due to a traffic offence, exclusively by imprudence, fault or negligence. Payment will begin the month after suspension with a maximum period of time of 24 months.

Third Party & Fire

Mandatory and Voluntary Liability.

Liability included in the policy

Mandatory liability with limits according to the Law. The insurer undertakes to pay indemnities derived from the liability of the driver of the insured vehicle which causes damage to people or property. Voluntary liability. The insurer undertakes to pay indemnities derived from the liability of the driver of the insured vehicle which causes damage to people of property.
The amount paid is the limit agreed in the schedule in excess of the cover provided under the mandatory liability at the time of the claim. Included in the Voluntary liability is damaged caused to third parties as a result of fire from the insured vehicle.
Personal Accident.

Driver and passenger cover

Under this cover accidental death is covered due to the result of a traffic accident and according to the amounts declared on the insurance policy. A sum of 3.000 € will be paid in advance to take care of all funeral arrangement. Under this cover accidental and permanent disability is covered due to the insured suffering total permanent disability. The insurer will indemnify 100 % of the sum insured less any payments it may have made as indemnities for partial permanent disability. The scale of payment is according to the insurers conditions.

 

Health Care expenses arising from accidents

For one year the insurers will cover all medical, pharmaceutical, hospitalisation and treatment expenses if the care is provided in Spain and only by clinics and hospitals which are recognised by the Insurance Compensation Consortium. Also covered is:
● Urgent transport of the injured party to the nearest health centre immediately after the accident
● Ambulance transportation if further required
● Initial purchase of prostheses, glasses, hearing aid devices that might be necessary as a result of the accident or the repair and replacement of such items

 

Personal Accident cover for the driver

According to the policy conditions the insurer agrees to pay the fixed sum over 24 monthly annuities in the event of death or total permanent disability.

 

Temporary suspension of driving licence

The insurer will pay out a monthly subsidy according to the amounts agreed in the policy as regards to temporary suspension of your driving licence due to a traffic offence, exclusively by imprudence, fault or negligence. Payment will begin the month after suspension with a maximum period of time of 24 months.
Fire Damage
Fire, Lightning and explosion are covered under the policy whether the vehicle is parked or in transit. Material flaws and manufacturing defects will have restricted cover to repair the damage caused by the accident and will not include the faulty parts.

Misconduct or malicious damage perpetrated by third parties is covered. Fire damage will also be indemnified when the fire is accidental in origin. Fire caused by wilful misconduct is not covered. All expenses incurred due to extinguishing the fire will be covered.

Third Party, Fire & Theft

Mandatory and Voluntary Liability.

Liability included in the policy

Mandatory liability with limits according to the Law. The insurer undertakes to pay indemnities derived from the liability of the driver of the insured vehicle which causes damage to people or property. Voluntary liability. The insurer undertakes to pay indemnities derived from the liability of the driver of the insured vehicle which causes damage to people of property.
The amount paid is the limit agreed in the schedule in excess of the cover provided under the mandatory liability at the time of the claim. Included in the Voluntary liability is damaged caused to third parties as a result of fire from the insured vehicle.
Personal Accident.

Driver and passenger cover

Under this cover accidental death is covered due to the result of a traffic accident and according to the amounts declared on the insurance policy. A sum of 3.000 € will be paid in advance to take care of all funeral arrangement. Under this cover accidental and permanent disability is covered due to the insured suffering total permanent disability. The insurer will indemnify 100 % of the sum insured less any payments it may have made as indemnities for partial permanent disability. The scale of payment is according to the insurers conditions.

 

Health Care expenses arising from accidents

For one year the insurers will cover all medical, pharmaceutical, hospitalisation and treatment expenses if the care is provided in Spain and only by clinics and hospitals which are recognised by the Insurance Compensation Consortium. Also covered is:
● Urgent transport of the injured party to the nearest health centre immediately after the accident
● Ambulance transportation if further required
● Initial purchase of prostheses, glasses, hearing aid devices that might be necessary as a result of the accident or the repair and replacement of such items

 

Personal Accident cover for the driver

According to the policy conditions the insurer agrees to pay the fixed sum over 24 monthly annuities in the event of death or total permanent disability.

 

Temporary suspension of driving licence

The insurer will pay out a monthly subsidy according to the amounts agreed in the policy as regards to temporary suspension of your driving licence due to a traffic offence, exclusively by imprudence, fault or negligence. Payment will begin the month after suspension with a maximum period of time of 24 months.
Fire Damage
If the insured vehicle is rendered immobile due to fire and or to repair the vehicle due to fire damage will take longer than 24 hours then a rent a car will be made available (category C) this is available as of 72 hours after the occurrence up to a maximum of 45 consecutive days.

Fire, Lightning and explosion are covered under the policy whether the vehicle is parked or in transit. Material flaws and manufacturing defects will have restricted cover to repair the damage caused by the accident and will not include the faulty parts.

Misconduct or malicious damage perpetrated by third parties is covered. Fire damage will also be indemnified when the fire is accidental in origin. Fire caused by wilful misconduct is not covered. All expenses incurred due to extinguishing the fire will be covered.
Theft
In the event of a theft the indemnity is based as follows:-
● 100% of the value as new, if the vehicle is less than four years old
● If the vehicle is more than four years old, the indemnity will be made for its actual cash value plus 30%
● Theft of accessories such as radio, telephone, satellite navigation or sound and image playing devices if they are factory fitted they are full covered but if they are an extra they have to be itemised on the policy and if so done indemnity will be 100 % of their value provided that the stolen devices are actually replaced subject to verification by the Insurers loss adjuster. This type of claim is limited to a single indemnity per insurance year
● Theft of batteries and tyres will be indemnified at 50 % of their value as new
● Indemnity is guaranteed when damage has occurred due to theft and attempted theft
● If the vehicle is recovered after 40 days following the claim the insured is obliged to accept its return. After this amount of time it will remain the possession of the insurer

Third Party, Fire, Theft & Total Loss

Mandatory and Voluntary Liability.

Liability included in the policy

Mandatory liability with limits according to the Law. The insurer undertakes to pay indemnities derived from the liability of the driver of the insured vehicle which causes damage to people or property. Voluntary liability. The insurer undertakes to pay indemnities derived from the liability of the driver of the insured vehicle which causes damage to people of property.
The amount paid is the limit agreed in the schedule in excess of the cover provided under the mandatory liability at the time of the claim. Included in the Voluntary liability is damaged caused to third parties as a result of fire from the insured vehicle.
Personal Accident.

Driver and passenger cover

Under this cover accidental death is covered due to the result of a traffic accident and according to the amounts declared on the insurance policy. A sum of 3.000 € will be paid in advance to take care of all funeral arrangement. Under this cover accidental and permanent disability is covered due to the insured suffering total permanent disability. The insurer will indemnify 100 % of the sum insured less any payments it may have made as indemnities for partial permanent disability. The scale of payment is according to the insurers conditions.

 

Health Care expenses arising from accidents

For one year the insurers will cover all medical, pharmaceutical, hospitalisation and treatment expenses if the care is provided in Spain and only by clinics and hospitals which are recognised by the Insurance Compensation Consortium. Also covered is:
● Urgent transport of the injured party to the nearest health centre immediately after the accident
● Ambulance transportation if further required
● Initial purchase of prostheses, glasses, hearing aid devices that might be necessary as a result of the accident or the repair and replacement of such items

 

Personal Accident cover for the driver

According to the policy conditions the insurer agrees to pay the fixed sum over 24 monthly annuities in the event of death or total permanent disability.

 

Temporary suspension of driving licence

The insurer will pay out a monthly subsidy according to the amounts agreed in the policy as regards to temporary suspension of your driving licence due to a traffic offence, exclusively by imprudence, fault or negligence. Payment will begin the month after suspension with a maximum period of time of 24 months.
Fire Damage
If the insured vehicle is rendered immobile due to fire and or to repair the vehicle due to fire damage will take longer than 24 hours then a rent a car will be made available (category C) this is available as of 72 hours after the occurrence up to a maximum of 45 consecutive days.

Fire, Lightning and explosion are covered under the policy whether the vehicle is parked or in transit. Material flaws and manufacturing defects will have restricted cover to repair the damage caused by the accident and will not include the faulty parts.

Misconduct or malicious damage perpetrated by third parties is covered. Fire damage will also be indemnified when the fire is accidental in origin. Fire caused by wilful misconduct is not covered. All expenses incurred due to extinguishing the fire will be covered.
Theft
In the event of a theft the indemnity is based as follows:-
● 100% of the value as new, if the vehicle is less than four years old
● If the vehicle is more than four years old, the indemnity will be made for its actual cash value plus 30%
● Theft of accessories such as radio, telephone, satellite navigation or sound and image playing devices if they are factory fitted they are full covered but if they are an extra they have to be itemised on the policy and if so done indemnity will be 100 % of their value provided that the stolen devices are actually replaced subject to verification by the Insurers loss adjuster. This type of claim is limited to a single indemnity per insurance year
● Theft of batteries and tyres will be indemnified at 50 % of their value as new
● Indemnity is guaranteed when damage has occurred due to theft and attempted theft
● If the vehicle is recovered after 40 days following the claim the insured is obliged to accept its return. After this amount of time it will remain the possession of the insurer
Total Loss
● If declared total Loss 100% of the value as new, if the vehicle is less than four years old
● If the vehicle is more than four years old, a payment actual cash value plus 30%
● No excess to be paid if the vehicle is declared a total loss
Partial Damage
● Collision with other vehicles / objects whether moving or stationary
● Sinking or collapse of land, bridges and roads
● Malicious damage by third parties
● Damage or flaws to the vehicles upholstery as a result of assisting accident victims
● Broken windows
● Hail damage
● Personal items and luggage due to an accident

Fully Comprehensive with excess (Recommended 300€)

Mandatory and Voluntary Liability.

Liability included in the policy

Mandatory liability with limits according to the Law. The insurer undertakes to pay indemnities derived from the liability of the driver of the insured vehicle which causes damage to people or property. Voluntary liability. The insurer undertakes to pay indemnities derived from the liability of the driver of the insured vehicle which causes damage to people of property.
The amount paid is the limit agreed in the schedule in excess of the cover provided under the mandatory liability at the time of the claim. Included in the Voluntary liability is damaged caused to third parties as a result of fire from the insured vehicle.
Personal Accident.

Driver and passenger cover

Under this cover accidental death is covered due to the result of a traffic accident and according to the amounts declared on the insurance policy. A sum of 3.000 € will be paid in advance to take care of all funeral arrangement. Under this cover accidental and permanent disability is covered due to the insured suffering total permanent disability. The insurer will indemnify 100 % of the sum insured less any payments it may have made as indemnities for partial permanent disability. The scale of payment is according to the insurers conditions.

 

Health Care expenses arising from accidents

For one year the insurers will cover all medical, pharmaceutical, hospitalisation and treatment expenses if the care is provided in Spain and only by clinics and hospitals which are recognised by the Insurance Compensation Consortium. Also covered is:
● Urgent transport of the injured party to the nearest health centre immediately after the accident
● Ambulance transportation if further required
● Initial purchase of prostheses, glasses, hearing aid devices that might be necessary as a result of the accident or the repair and replacement of such items

 

Personal Accident cover for the driver

According to the policy conditions the insurer agrees to pay the fixed sum over 24 monthly annuities in the event of death or total permanent disability.

 

Temporary suspension of driving licence

The insurer will pay out a monthly subsidy according to the amounts agreed in the policy as regards to temporary suspension of your driving licence due to a traffic offence, exclusively by imprudence, fault or negligence. Payment will begin the month after suspension with a maximum period of time of 24 months.
Fire Damage
If the insured vehicle is rendered immobile due to fire and or to repair the vehicle due to fire damage will take longer than 24 hours then a rent a car will be made available (category C) this is available as of 72 hours after the occurrence up to a maximum of 45 consecutive days.

Fire, Lightning and explosion are covered under the policy whether the vehicle is parked or in transit. Material flaws and manufacturing defects will have restricted cover to repair the damage caused by the accident and will not include the faulty parts.

Misconduct or malicious damage perpetrated by third parties is covered. Fire damage will also be indemnified when the fire is accidental in origin. Fire caused by wilful misconduct is not covered. All expenses incurred due to extinguishing the fire will be covered.
Theft
In the event of a theft the indemnity is based as follows:-
● 100% of the value as new, if the vehicle is less than four years old
● If the vehicle is more than four years old, the indemnity will be made for its actual cash value plus 30%
● Theft of accessories such as radio, telephone, satellite navigation or sound and image playing devices if they are factory fitted they are full covered but if they are an extra they have to be itemised on the policy and if so done indemnity will be 100 % of their value provided that the stolen devices are actually replaced subject to verification by the Insurers loss adjuster. This type of claim is limited to a single indemnity per insurance year
● Theft of batteries and tyres will be indemnified at 50 % of their value as new
● Indemnity is guaranteed when damage has occurred due to theft and attempted theft
● If the vehicle is recovered after 40 days following the claim the insured is obliged to accept its return. After this amount of time it will remain the possession of the insurer
Total Loss
● If declared total Loss 100% of the value as new, if the vehicle is less than four years old
● If the vehicle is more than four years old, a payment actual cash value plus 30%
● No excess to be paid if the vehicle is declared a total loss
Partial Damage
● Collision with other vehicles / objects whether moving or stationary
● Sinking or collapse of land, bridges and roads
● Malicious damage by third parties
● Damage or flaws to the vehicles upholstery as a result of assisting accident victims
● Broken windows
● Hail damage
● Personal items and luggage due to an accident

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