Excellent service! They helped me get my Caser car insurance within hours of my arrival in Spain. English support was fantastic.
Caser Autohelp includedUp to 60% no-claims discount5 languages
Get car insurance in Spain
Car insurance through Caser, one of Spain's longest-established insurers with 75+ years in the market. Three coverage tiers plus Coche x Coche total-loss replacement, Caser Autohelp accident detection on every policy, and full no-claims bonus from day one with no certificate needed. Same-day quote, English-speaking team, payable annually, half-yearly or quarterly.
From From €180 /yearTypical starting price for basic third-party on a small car. Final price depends on car, driver age and postcode. Up to 60% no-claims discount applied from day one with no certificate. Payable annually, half-yearly or quarterly when premium exceeds €100.
4.8/5
15,000+ expats helpedEN • ES • FI • SV • DEFrom
From €180/year
Typical starting price for basic third-party on a small car. Final price depends on car, driver age and postcode. Up to 60% no-claims discount applied from day one with no certificate. Payable annually, half-yearly or quarterly when premium exceeds €100.
Licensed Agent
DGSFP #C0031B93323293
At a glance
Who it's for
Expats from age 25 with a valid driving licence — including new arrivals on temporary green plates
Activation
Same-day quote. Policy active once DNI/NIE and licence details are confirmed.
Documents needed
Date of birth, postal code, licence issue date and vehicle registration for the quote. DNI/NIE + licence to take out the policy.
Languages
Support in EN, ES, FI, SV, DE. English-speaking 24/7 claims line and 500+ approved garages across Spain.
Compare Caser car insurance tiers in Spain
Choose the right level of Caser protection for your needs. All prices are estimates and vary by vehicle and driver.
Tier 01
Basic Third Party
From €180/year
- Compulsory + voluntary civil liability (€50M)
- Legal defence (unlimited via Caser)
- 24/7 travel assistance
- Caser Autohelp accident detection
- Theft, fire & glass cover
- Own damage (at-fault accidents)
Best for
Cars 10+ years old · Low-value vehicles (under €5k) · Drivers who park securely
Not recommended for
Cars worth over €5,000 · Urban street parking · New or financed vehicles
Most Popular
Tier 02
Extended Third Party
From €300/year
- Everything in basic third-party
- Theft & robbery — 100% market value
- Fire damage (120% bonus from year 3)
- Windscreen — 100%, no excess
- Caser Autohelp accident detection
- Own damage (at-fault accidents)
Best for
Cars 5–10 years old · Cars worth over €5,000 · Urban parking · Best-value tier
Not recommended for
Very low-value vehicles where basic is enough · New or high-value cars wanting own-damage cover
Tier 03
Fully Comprehensive
From €600/year
- Everything in Third-Party Extended
- Damage to your own car (even at-fault)
- 100% acquisition value years 1–2
- Stop & Go on-site repair
- Selectable excess €200–€900
- No-excess option
Best for
New cars · Vehicles worth €15,000+ · Financed or leased cars · Daily commuters
Not recommended for
Cars over 15 years old · Very tight budgets where Extended works
Tier 04
Coche x Coche (add-on)
Add-onto any policy
- Total-loss replacement vehicle in your name
- Or take 120% of market value as cash
- 1-year warranty on replacement vehicle
- Door-to-door delivery anywhere in Spain
- Compatible with any insurer (not just Caser)
- Vehicles 20 years or older
Best for
Drivers who can't afford to be without a car · Families with one vehicle · Anyone wanting total-loss protection
Not recommended for
Vehicles 20 years or older · Drivers with a second car available
What drives your Caser car insurance price in Spain
Caser pricing is based on the postcode where the car is parked, the driver profile, the vehicle and your chosen excess. We give the full no-claims bonus from day one — no certificate needed.
Price drivers
- Postcode: Major risk factor. Urban areas (Madrid, Barcelona) and tourist coasts pay more than rural areas.
- Driver age: Minimum age 25. No upper limit, but premiums vary with age.
- Licence tenure: Date your driving licence was issued — longer tenure usually means a lower premium.
- Vehicle age: Cars over 15 years are limited to fire, glass and damage cover. Over 25 years lose civil liability.
- No-claims history: Full no-claims bonus from day one — no certificate from your previous insurer required.
- Excess level (Fully Comp): Choose €200, €300, €360, €600 or €900 — higher excess means a lower premium.
Which tier fits your car
Car older than 10 years and worth under €5k: Third-Party (basic) — cheapest legally compliant tier
Car 5–10 years old, worth over €5k: Third-Party Extended — best-value tier (theft, fire, 100% glass)
New car or vehicle worth €15,000+: Fully Comprehensive — own damage covered, selectable excess
Want a guaranteed total-loss replacement vehicle: Add Coche x Coche — pairs with any tier or any other insurer
Request a quote and we will come back with the best Caser option for your case.
Many first-time buyers in Spain overinsure older vehicles. For a car over 10 years old with low mileage, Caser's Extended Third Party usually offers the best value — you get fire, theft, windscreen, and roadside assistance without paying for own-damage cover you may not need.
Maya Kallio
Licensed Insurance Agent, DGSFP
How it works
Getting Caser car insurance in Spain as an expat is simple with our streamlined process
01
Request a quote
Share your date of birth, postal code, licence issue date and vehicle registration. Takes 2–3 minutes.
02
We confirm your Caser cover
We compare the three tiers (Third-Party / Extended / Fully Comprehensive) and confirm pricing and the best fit for your vehicle, age and postcode.
03
Send DNI/NIE + licence
Send your DNI/NIE and driving licence. Temporary green plates accepted — must be replaced with permanent plates within 2 months.
04
Policy active
Receive your policy documents in English by email. Caser Autohelp and 24/7 assistance active immediately.
Driving in Spain doesn't have to be complicated
Let us handle the paperwork while you enjoy the roads
Requirements and documents
Just four data points to quote. To take out the policy, only DNI/NIE and your driving licence are needed.
Checklist
- Date of birth (driver must be at least 25)
- Spanish postal code (essential — affects price)
- Date your driving licence was issued
- Vehicle registration (matrícula)
- DNI or NIE — required to take out the policy
- Driving licence — Spanish or validated in Spain
- Temporary green plates accepted (must be replaced with permanent plates within 2 months)
Just imported your car?
We accept temporary green plates. They must be replaced with permanent plates within 2 months of starting the policy.
Coverage overview
Coverage overview
Understand what's included, what's optional, and what's not covered in your Caser car insurance policy
Standard cover
Included
- Compulsory + voluntary civil liability up to €50,000,000 (all tiers)
- Legal defence — unlimited via Caser, all tiers
- 24/7 travel assistance with unlimited tow truck requests
- Caser Autohelp — automatic accident detection that calls 112 if you don't respond
- Personal damages for driver and passengers
- Traffic fine management & appeals
Add to your policy
Optional
- Theft & robbery at 100% market value (Extended & Fully Comp)
- Fire damage with 120% bonus from year 3 (Extended & Fully Comp)
- 100% windscreen replacement, no excess (Extended & Fully Comp)
- Damage to your own car, even at-fault (Fully Comp only)
- 100% acquisition value for vehicles under 2 years (Fully Comp)
- Coche x Coche total-loss replacement (add-on, any tier)
- Driving licence revocation subsidy up to €360/year
- Replacement rental vehicle during repairs
Read carefully
Not covered
- Wear and tear and mechanical breakdown unrelated to a covered event
- Racing, competitions or illegal use of the vehicle
- Damage while the driver is under the influence
- Trailers over 750kg
- No-excess option on Fully Comprehensive (Caser internal regulation)
- Vehicles over 25 years lose civil liability cover
Who can take out a Caser car policy
Open to expats moving to Spain, residents and non-residents. Below the main eligibility scenarios — send your details and we'll confirm the best fit.
Minimum age 25 + valid licence
Drivers must be at least 25 years old with a valid driving licence (Spanish or validated in Spain). No upper age limit — premiums vary with age and licence tenure.
Read the full guideAdditional drivers welcome
You can add other drivers to the policy. Their age and licence history may affect the premium, but they're welcome — including occasional drivers and family members.
Read the full guideCars over 15 years old
Vehicles over 15 years are limited to fire, windscreen and damage cover. Vehicles over 25 years lose civil liability cover entirely — get specific advice from us.
Read the full guideGreen plates (temporary)
We accept temporary green plates for insurance — perfect for new arrivals who've just imported a vehicle or bought one in Spain. Plates must be replaced with permanent plates within 2 months.
Read the full guideExpats moving to Spain
Just arriving in Spain? We can quote on the day you have a Spanish postcode and registration. We have specialists for Alicante, Madrid, Barcelona, Costa del Sol, Malaga and Valencia.
Read the full guide
Caser protection wherever you drive in Spain
From Costa del Sol to the Canary Islands
Why choose us
Why choose us for car insurance in Spain?
We work exclusively with Caser, one of Spain's most trusted insurers. Here's why thousands of expats trust us.
i.
Full no-claims bonus from day one
We apply your full no-claims discount immediately — no certificate needed from your previous insurer. Saves you the hassle of chasing paperwork.
ii.
Caser Autohelp on every tier
Automatic accident detection on every policy. If the system thinks you've crashed and you don't respond to a check-in call, it calls 112 with your GPS location. Standard, no extra cost.
iii.
Excess applied per claim, not per part
Some insurers add up the excess for every panel they need to replace. Caser applies it once to the total repair cost — a real difference for multi-part repairs.
iv.
Coche x Coche total-loss add-on
Standalone total-loss replacement: a similar second-hand vehicle in your name (or 120% cash). Add it to any car policy — you don't need to switch insurer.
v.
Temporary green plates accepted
Just imported your car or buying in Spain? We accept temporary green plates — they must be replaced with permanent plates within 2 months.
vi.
5-language support across Spain
Native support in English, Spanish, Finnish, Swedish and German. English-speaking 24/7 claims line and 500+ approved garages across Spain.
Excess (franquicia) on Caser Fully Comprehensive
Best for drivers who want lower out-of-pocket cost on claims
Lower excess (€200 or €300)
- Higher premium, lower excess to pay if you claim
- Available levels: €200, €300
- Good for new and financed cars
- Excess applied per claim, NOT per damaged part
Best for experienced drivers who want a lower premium
Higher excess (€360, €600 or €900)
- Lower premium, you pay more if you claim
- Available levels: €360, €600, €900
- Good for low-mileage and lower claim-risk drivers
- No-excess option not available (Caser internal regulation)
Excess is applied once to the total repair cost — not per damaged part. Some other insurers stack the excess per panel, so this is a real difference for multi-part repairs.
Had an accident? Here's what happens
01
Check safety and call 112 if anyone is hurt — Caser Autohelp may have already triggered if it was a serious impact
02
Call the Caser claim line — English-speaking, 24/7 — with your details and policy number
03
Take photos of both cars, plates, road signs and damage
04
Fill in the accident report (parte amistoso) if possible — both drivers sign
05
Use a Caser approved garage (500+ across Spain) for fastest repair
06
Contact us and we will help you through the rest of the claim
Caser Autohelp can call 112 automatically with your GPS location after a serious impact if you don't respond. Standard on every tier.
Where you're covered
01 · Region
All of Spain
Mainland, Canary Islands and Balearic Islands. We have specialists for Alicante, Madrid, Barcelona, Costa del Sol, Malaga and Valencia, plus 500+ approved garages across the country.
02 · Region
EU and EEA
Caser policies typically extend cover across EU and EEA countries — exact territory depends on your tier. We confirm scope when arranging your policy.
03 · Region
Outside EU
Some destinations may require additional documentation or extension. Tell us your travel plans and we'll confirm what's needed.
Territory scope abroad is subject to your selected plan. We confirm the exact cover area in writing when arranging your policy.
Key Terms
Key Spanish Insurance Terms
Essential vocabulary to understand your car insurance policy in Spain.
Seguro a terceros
Third-party insurance
Todo riesgo
Comprehensive (all risks)
Seguro a terceros ampliado
Extended third-party
Franquicia
Excess or deductible
Prima
Premium (the amount you pay)
Bonificación
No-claims bonus discount
Lunas
Windscreen and glass cover
Robo
Theft coverage
Incendio
Fire coverage
Asistencia en carretera
Roadside assistance
Defensa jurídica
Legal defense
Siniestro
Claim or incident
Claims handling is where broker value really shows. We liaise directly with Caser on your behalf, translate correspondence, and ensure your claim moves forward. Caser's 75+ year track record and Grupo Helvetia backing means real financial strength behind every policy.
Maya Kallio
Licensed Insurance Agent, DGSFP
Expert reviewed
Written and reviewed by licensed insurance agents.
Last reviewed: 1 January 2026
Written and reviewed by licensed insurance agents Maya Kallio and Marco Elsinger, who have helped over 15,000 expats in Spain since 2012.
Maya Kallio
Licensed Insurance Agent · Since 2012
Marco Elsinger
Licensed Insurance Agent · 10+ years
Languages: English, Finnish, Spanish, German, Swedish · DGSFP License: C0031B93323293
Common questions
Car insurance FAQs for expats in Spain
Anything more specific — call or WhatsApp, we'll pick up.
Which car insurance tier should I pick?
Car older than 10 years and worth under €5k → Third-Party (basic). Car 5–10 years old → Third-Party Extended (theft, fire, glass — best value). New car or worth €15k+ → Fully Comprehensive (own damage too). Want total-loss replacement → add Coche x Coche to any of the above.
What documents do you need for a quote?
Date of birth, postal code (essential — affects price), date driving licence was issued, and vehicle registration. Just DNI/NIE + driving licence to take out the policy. We accept temporary green plates.
Do I need a no-claims certificate?
No — we give full no-claims bonus from day one. No certificate needed from your previous insurer. Saves you the hassle of chasing paperwork.
Is the price affected by where I live?
Yes — postcode is a major risk factor. Urban areas (Madrid, Barcelona) generally pay more than rural areas. Coastal touristy areas can also have higher rates due to theft risk. We have specialists for Alicante, Madrid, Barcelona, Costa del Sol, Malaga and Valencia.
What's the minimum age to take out a policy?
25 years old, with a valid driving licence. There's no upper age limit — premiums vary based on driver age and licence tenure.
Can I include other drivers?
Yes — additional drivers can be covered. May affect your premium based on their age and licence history.
What happens if I have an accident?
Call the Caser claim line (English-speaking, 24/7) with your details and policy number. Caser Autohelp may have already triggered if it was a serious impact. Use a Caser approved garage (500+ across Spain) for fastest repair.
What if my car is over 15 years old?
Vehicles over 15 years are limited to fire, windscreen and damage cover. Vehicles over 25 years lose public liability — get specific advice from us.
How do I pay?
Annual, six-monthly or quarterly when premium exceeds €100. Direct debit, no surcharges.
Can I cancel?
Yes, at any time with at least one month's notice before renewal. No refunds for the unused period as standard.
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Read more →Customer Reviews
Customer reviews
4.8/ 5
Based on 1,200+ reviews from expats across Spain
Best insurance broker for expats. They recommended the right Caser policy for my situation and the whole process was smooth and fast.
Transferred my UK car to Spanish plates and they handled the Caser insurance transition seamlessly. Very professional team.
Quick response, clear explanations, and genuine expertise with Caser policies. They knew exactly which cover level suited my needs.
