Motorcycle insurance in Spain for expats
Licensed Broker
DGSFP Registered
Riding a motorbike or scooter in Spain gives you freedom – but you're legally required to have the right insurance. We help expats get motorcycle insurance that actually matches how they ride: city scooters, weekend trips, or bigger bikes for touring. You get clear explanations in English, support with the paperwork, and access to several insurers in Spain.
Example for basic third-party cover on a standard scooter. Final price depends on bike, rider profile and location.
Who is it for?
Expats, residents and long-stay visitors in Spain who own or plan to buy a motorbike or scooter, and need legal road insurance with clear cover and English support.
Activation time
Once the quote is accepted and documents are approved, cover can often start the same day or within 24–48 hours, depending on the insurer.
Documents needed
ID or passport, NIE or residency details, driving licence, bike registration papers, no-claims bonus proof (if available), and address in Spain.
Languages available
We explain everything in English and Spanish. Some insurers also offer policy documents in other languages.
Motorcycle insurance plans in Spain
Choose the level of cover that matches your bike and how you ride
Third-party – Essential
BEST FOR:
- • Older or lower-value scooters and bikes
- • Riders mainly concerned with meeting legal requirements at minimum cost
NOT RECOMMENDED FOR:
- • New or high-value motorcycles
- • Riders who worry about theft or damage to their own bike
Third-party, Fire & Theft – Plus
BEST FOR:
- • Daily commuters with mid-range scooters or motorcycles
- • Riders parking on the street or in shared garages
NOT RECOMMENDED FOR:
- • Brand new, high-value bikes (that need full comprehensive)
- • Those wanting full own-damage cover for any accident
Fully Comprehensive – Premium
BEST FOR:
- • New, high-value or financed bikes
- • Riders who want the broadest protection available
NOT RECOMMENDED FOR:
- • Very low-value or occasional-use scooters
- • Tight budgets purely focused on legal minimum
How it works
Getting motorcycle insurance in Spain is straightforward with our expert guidance
Share your bike and rider details
Tell us about your motorcycle or scooter, where you live in Spain, your riding history and licence. This takes just a few minutes and can be done fully online.
Compare motorcycle insurance options
We check offers from multiple insurers in Spain and show you the difference between third-party, fire & theft, and comprehensive cover, all explained in clear English.
Choose your cover and complete the paperwork
Once you choose a plan, we help you finalise the application, share any needed documents and confirm start date. You always see the terms before accepting.
Ride legally and confidently in Spain
You receive your policy documents and proof of insurance. If you ever need help with a claim, accident or question, you contact us and we guide you through the process.
What does motorcycle insurance cover?
Understanding what's included, what's optional and what's not covered in motorcycle insurance policies in Spain.
Included
- Mandatory third-party liability (damage/injury you cause to others)
- Legal defence and claim handling
- In many policies: roadside assistance from kilometre 0 or after a short distance
- Fire damage (in fire & theft and comprehensive tiers)
- Theft or attempted theft (in fire & theft and comprehensive tiers)
- Own damage to your bike in accidents (fully comprehensive tiers)
- Cover while riding in Spain and often in other EU countries (check policy limits)
Optional add-ons
- Higher levels of roadside assistance and towing
- Personal accident cover for the rider
- Passenger injury cover
- Accessories and gear cover (helmet, jacket, luggage, etc.)
- Windscreen and fairing cover (depending on bike type)
- Cover for modifications or custom parts (if declared and accepted)
- Breakdown cover outside Spain or extended EU protection
Not covered
- Riding without a valid licence or under the influence of alcohol/drugs
- Racing, track days or certain extreme riding activities
- Using the bike for delivery or courier work (unless specifically insured)
- Undeclared modifications that affect performance or value
- Normal wear and tear or mechanical breakdowns (not caused by an insured event)
- Use outside agreed territories (e.g. outside Spain/EU if not covered)
Why choose us?
Here's why thousands trust us with their insurance
We understand expat riders in Spain
Licences from different countries, multi-language documents and unfamiliar local rules can make motorcycle insurance confusing. We specialise in helping expats make sense of it all.
Multiple insurers, clear comparisons
Instead of talking to one company at a time, we compare several insurers and explain their motorcycle cover options in plain English – so you can focus on riding, not paperwork.
Support with licences and registration
We help you understand how your current licence (UK, EU or other) works in Spain, and what insurers need to see to offer cover.
Flexible cover for scooters and big bikes
Whether you ride a 125cc scooter in the city or a larger touring bike on weekends, we help match the cover level to how and where you actually ride.
Claims support when something goes wrong
If you have an accident, theft or damage, you don't have to deal with it alone. We can guide you through the claim process and help you prepare the right documents.
Advice in your language
You get explanations in English and Spanish so you always know what is and isn't included before you commit.
Frequently asked questions
Related guides
Learn more about insurance in Spain
Non-Resident Car Insurance in Spain – UK Plates & Foreign Vehicles
Complete guide for non-residents driving in Spain – temporary insurance and driving on UK plates
Car Insurance Cost in Spain – 2026 Price Guide for Expats
Complete breakdown of vehicle insurance costs in Spain – what you'll pay and money-saving tips
Transfer Foreign Car to Spanish Plates – Complete 2026 Guide
Step-by-step process for re-registering your foreign vehicle to Spanish plates
Based on 623+ reviews from expats across Spain
Moved from the UK with my 650cc bike and had no idea how insurance worked here. They explained the options clearly and set me up with comprehensive cover in English.
James R.
Málaga
We use our scooters every day for work and errands. They helped us find a good balance between price and protection, and were very quick with answers.
Ana & Luis
Valencia
I ride mostly on weekends and wanted something more than the minimum. They compared several insurers and found a fire & theft plan that made sense for my bike.
Thomas G.
Barcelona