Third-Party Car Insurance: the most economical legal cover
Licensed Broker
DGSFP Registered
Mandatory civil liability, legal defence, 24/7 travel assistance and Caser Autohelp accident detection. The cheapest tier, best for older cars (10+ years) and low-value vehicles.
Up to 60% no-claims discount. Full no-claims bonus from day one, no certificate needed (unique to ExpatInsurances).
From €180/year
Quote-based. Depends on car, driver and postcode.
Typical starting premium. Final price always depends on your individual circumstances.
Payment: Annual, six-monthly or quarterly when premium exceeds €100.
We need: date of birth, postal code (essential - affects price), date driving licence was issued, and vehicle registration. We accept temporary green plates (must be replaced within 2 months).
What's covered
Cover included as standard with Third-party (basic)
Compulsory civil liability
Legal minimum cover - damage to third parties (other vehicles, people, property).
Voluntary civil liability - up to €50,000,000
Top-up for severe third-party claims beyond the legal minimum.
Personal damages - driver and passengers
Medical care for occupants and driver after a covered accident.
Legal defence
Unlimited when using Caser legal services. €3,000 credit if you choose your own lawyer.
24/7 travel assistance
Mechanical assistance, towing, rescue, occupant care. Unlimited tow truck requests.
Traffic fine management
Help managing and appealing traffic fines.
Caser Autohelp
Automatic accident detection. If the system thinks you've been in an accident and you don't respond, it calls 112 with your location automatically.
Optional add-ons
Extend cover by adding any of these to your policy at quote stage.
Cover for fire damage to your vehicle.
Up to €360/year if you lose your licence.
Rental car during repairs after a claim.
Extended rental periods and improved hospitalisation cover.
Cover for damage from collisions with animals on the road.
What's not covered
Be clear on what's excluded so you can decide if this tier suits you.
- Theft of the vehicle (not in basic third-party - choose Third-Party Extended)
- Glass and windscreen damage (separate add-on or upgrade to Extended)
- Fire damage (unless add-on selected)
- Vehicle damage from at-fault accidents (choose Fully Comprehensive)
- Wear and tear, mechanical breakdown not related to a covered event
Basic Third-Party, in one paragraph
Basic Third-Party is the cheapest legally-compliant car cover. You get the legal-minimum civil liability (plus voluntary top-up to €50M), Caser Autohelp accident detection, unlimited 24/7 travel assistance and unlimited legal defence - but no cover for damage to your own car (theft, fire, glass, accident damage are all excluded). Best for vehicles 10+ years old, low-value cars, and drivers who park securely. If your car is worth €5,000+, upgrade to Third-Party Extended for theft and glass cover at modest extra cost.
Frequently asked questions
What's NOT covered in basic third-party?
Theft of your vehicle, fire damage (unless you add it), windscreen/glass damage, and any damage to your own car when you're at fault. If you want any of these, upgrade to Third-Party Extended (theft + fire + glass) or Fully Comprehensive.
Why is basic third-party the cheapest?
It only covers what's legally mandatory (third-party damage) plus the standard Caser inclusions (legal defence, travel assistance, Autohelp). It doesn't cover damage to your own car. Best for vehicles 10+ years old where the car's market value is too low to justify comprehensive premiums.
What's Caser Autohelp?
An automatic accident detection feature. The system can detect accident impact patterns and, if you don't respond to a check-in call, automatically calls emergency services (112) with your GPS location. Genuine differentiator - included as standard at no extra cost.
What documents do I need to take out the policy?
Just your DNI/NIE and your driving licence. If your licence is foreign, it must be Spanish or validated in Spain. We accept temporary green plates (must be replaced within 2 months).
How does the no-claims discount work?
We give full no-claims bonus from day one - no certificate needed (this is unique to us). Up to 60% renewal discount for claim-free driving.
Can I include other drivers?
Yes - additional drivers can be covered. This may affect your premium depending on their age and licence history.
Can I cancel?
Yes - at any time, with at least one month's notice before your renewal date.
Get your Third-party (basic) quote
Fill in the details and our team will come back to you with a written quote.
Compare with other Caser tiers
Same insurer, different cover levels. Find the fit for your situation.