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.
ReMoto free on every tierUp to 60% no-claims discount
Motorcycle insurance in Spain for expats
Motorcycle insurance through Caser, one of Spain's longest-established insurers with 75+ years in the market. Three tiers from basic legal to fully comprehensive — ReMoto AI accident detection included free on every tier. If you crash and can't call for help, it auto-dispatches an ambulance with your GPS location. Same-day quote, English claims team, full no-claims bonus from day one with no certificate required. Payable annually, half-yearly or quarterly when premium exceeds €100.
From From €120 /yearTypical starting price for basic third-party on a small scooter. Final price depends on engine size, rider age, postcode, parking and bike value. Up to 60% no-claims discount applied from day one with no certificate. Payable annually, half-yearly or quarterly.
4.8/5 client satisfaction
15,000+ expats insured in SpainEN • ES • DE • FIFrom
From €120/year
Typical starting price for basic third-party on a small scooter. Final price depends on engine size, rider age, postcode, parking and bike value. Up to 60% no-claims discount applied from day one with no certificate. Payable annually, half-yearly or quarterly.
Licensed Agent
DGSFP #C0031B93323293
Who it's for
Expats and residents in Spain riding any bike — 50cc moped to high-performance sports bike. Min age 25, valid licence, no upper age limit.
Activation time
Same-day quote. Cover starts on the contract date once documents and first payment are confirmed — usually 24–48 hours.
Documents needed
DOB, postcode, motorcycle licence issue date, bike registration. DNI/NIE + licence to take out the policy. NO certificate of no-claims required.
Languages
English, Spanish, German, Finnish and Swedish. Same person handles your quote, renewal and any claim.
Motorcycle insurance plans in Spain
Choose the level of cover that matches your bike and how you ride
Tier 01
Basic Third Party
From €120/year
- Civil liability (RC) + voluntary top-up
- Medical assistance — rider AND passengers
- ReMoto AI accident detection (FREE)
- Fire damage to your bike (yes, even on basic)
- Free garage choice — any repair shop
- Legal defence + fine appeal assistance
- Theft of the bike
- Damage to your own bike from accidents
Best for
Older bikes with secure storage · Riders who want full no-claims bonus from day 1 with no certificate
Not recommended for
Anyone parking outdoors · Bikes worth €3,000 or more
Most Popular
Tier 02
Third-Party + Theft (best-seller)
From €220/year
- Everything in basic Third-Party
- Total theft — 100% market value reimbursement
- Damage during attempted theft
- Fire damage to your bike
- ReMoto AI accident detection (FREE)
- Free garage choice
- Damage to your own bike from accidents (you'll need Comprehensive)
- Helmet/clothing damage (optional add-on)
Best for
Outdoor parking, urban riders, weekend bikers · Bikes worth €3,000+ where theft is the main risk
Not recommended for
New/expensive bikes where you'd want crash damage covered too
Tier 03
Fully Comprehensive (with excess)
From €450/year
- Everything in Third-Party + Theft
- Damage to your own bike — any cause, even at-fault
- Drop, kerb strikes, vandalism — covered
- Selectable excess to balance premium vs claim cost
- ReMoto AI accident detection (FREE)
- Free garage choice
- Optional helmet + riding clothing add-on
- Optional replacement bike during repairs
Best for
New bikes, high-value bikes, daily commuters · Anyone who'd struggle to absorb crash damage costs
Not recommended for
Older bikes where the premium isn't justified by the value
What drives your motorcycle insurance premium
Caser premiums depend on the bike, the rider, where you live and how you store it. Up to 60% no-claims discount applies — full bonus from day one without needing a certificate.
Price drivers
- Engine size & bike value: Larger cc and higher-value bikes cost more to insure. 50cc scooters at the bottom, sports/touring bikes at the top.
- Rider age & licence tenure: Min age 25. Premiums step down with riding experience and a clean licence history.
- Postcode: Major risk factor — urban areas (Madrid, Barcelona) generally pay more than rural. Coastal touristy areas can also be higher due to theft risk.
- Parking: Garaged bike = lower premium than street parking. Outdoor parking pushes you towards Third-Party + Theft as a minimum.
- Tier: Third-Party (cheapest) → Third-Party + Theft (best-seller, ~50–80% more) → Comprehensive (~2x basic, depends on excess).
- Selectable excess: Comprehensive only — higher excess lowers your monthly premium. Pick what you'd realistically pay out of pocket.
Typical profiles and what we recommend
City scooter commuter, parks on the street: Third-Party + Theft — best-seller for a reason. ReMoto free.
Weekend touring on a 650cc+: Comprehensive with mid excess — protects the bike on country roads where help is far.
Older bike (10+ years), garaged: Basic Third-Party — keeps cost minimum, fire still covered, ReMoto still free.
New high-value sports bike, daily commute: Comprehensive with low excess. Helmet/clothing add-on if you ride in leathers.
Tell us your bike, postcode and how you store it. Same-day quote, no obligation.
How it works
Getting motorcycle insurance in Spain is straightforward with our expert guidance
1
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.
2
We recommend the right motorcycle cover
We walk you through Caser's motorcycle options — third-party, fire & theft, and comprehensive cover — all explained in clear English.
3
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.
4
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.
Ride with confidence across Spain
From city commutes to coastal tours, we've got your cover sorted
What you need to take out a Caser motorcycle policy
Quotes need very little. Activation needs a bit more. We accept temporary green plates if you've just imported the bike.
Application checklist
- Date of birth, postcode and date your motorcycle licence was issued (essential — affect the price)
- Bike registration (matrícula) and Permiso de Circulación
- Ficha Técnica (vehicle technical sheet)
- DNI/NIE + driving licence to take out the policy
- ITV certificate if bike is 4+ years old
- Spanish bank account for direct debit (no surcharges, can pay annual/six-monthly/quarterly)
- NO certificate of no-claims required — we apply full bonus from day one
Just imported the bike?
Temporary green plates are accepted — you have 2 months to replace them with permanent Spanish plates. We can also arrange temporary cover while you complete re-registration.
Coverage overview
What Caser motorcycle insurance covers
What's included on every tier, what each higher tier adds, and what no plan covers.
Standard cover
Included
- Compulsory civil liability + voluntary top-up — every tier
- Medical assistance for rider AND passengers — every tier
- ReMoto AI fall detection with auto ambulance dispatch — every tier, FREE
- Fire damage to your bike — yes, even on basic Third-Party
- Free garage choice — any repair shop you trust
- Legal defence for traffic-accident proceedings — every tier
- Help managing and appealing traffic fines — every tier
- Rider personal accident cover — every tier
Add to your policy
Optional
- Theft — 100% market value reimbursement (Third-Party + Theft and Comprehensive)
- Damage to your own bike from any cause (Comprehensive only)
- Damage during attempted theft (Third-Party + Theft and Comprehensive)
- Helmet and riding clothing damage (Comprehensive add-on)
- Replacement bike during repairs (Comprehensive add-on)
- Selectable excess to lower the premium (Comprehensive)
Read carefully
Not covered
- Wear and tear, mechanical breakdowns not linked to a covered event
- Racing, track days or other extreme/illegal riding
- Riding under the influence (above the legal limit)
- Delivery/courier use unless declared and specifically insured
- Undeclared modifications that affect performance or value
- Use outside agreed territories without an extension
Many first-time buyers overinsure older scooters. For a bike over 8 years old with low mileage, third-party with theft usually offers the best value-for-money balance.
Maya Kallio
Licensed Insurance Agent, DGSFP
Can you get motorcycle insurance in Spain?
We help riders in various situations find the right cover
Any bike, any rider 25+
50cc mopeds, scooters, classic bikes, high-performance sports bikes — all welcome. Min age 25 with valid licence. No upper age limit. Premium varies with rider age and licence tenure.
Read the licence guideEU & UK licence holders
EU licences accepted directly without exchange. UK licences valid for 6 months after Spanish residency, then must exchange for a Spanish licence. We confirm exactly what applies to you at quote.
Licence requirements guideAdding a second rider
Named additional riders welcome on the same policy — affects premium based on their age and licence history. Common for couples sharing a bike or weekend pillion riders.
Read the cover guideJust imported a bike?
Temporary green plates accepted — must be replaced with permanent Spanish plates within 2 months. We can arrange temporary cover during re-registration.
Transfer plates guide
Cover for every type of rider
Scooters, touring bikes, commuters – we match cover to your riding style
Why choose us
Why choose us?
Here's why thousands trust us with their insurance
i.
ReMoto safety FREE on every tier
App-based AI fall detection. If you crash and can't call for help, ReMoto sends your GPS location to Caser's emergency team — they dispatch an ambulance for you. No installation, no cost, no riding-style tracking.
ii.
Free garage choice on every tier
Repair where you trust — not restricted to insurer network. Caser still has a recommended network if you want it, but you're never forced to use one specific shop.
iii.
Full no-claims bonus from day one
Up to 60% renewal discount for claim-free riding. We give the full bonus from day one without requiring a certificate from your previous insurer — saves you chasing paperwork.
iv.
All bikes, all licences
50cc mopeds, scooters, classic bikes, high-performance sports bikes — all welcome. EU licences accepted directly; UK and other non-EU licences accepted within applicable exchange windows.
v.
English claims team
Same person handles your quote, renewal and any accident. 24/7 English-speaking claims line. We walk you through the parte amistoso, photos and Caser submission.
vi.
Multiportfolio in 5 languages
One team handles your motorcycle, car, home, health and travel. EN, ES, DE, FI, SV. One renewal cycle, fewer logins.
Excess (franquicia) on motorcycle claims, Comprehensive only
Best for: Confident riders, low expected claim frequency
Higher excess = lower premium
- You pick a higher excess (e.g. €600–€900) when buying Comprehensive
- Monthly premium drops accordingly
- Excess applies once per claim, NOT per damaged part
- Good fit if you rarely drop the bike or have safe storage
Best for: Daily commuters, urban riders, high-value bikes
Lower excess = higher premium
- Pick a low excess (e.g. €200–€300) when buying Comprehensive
- Pay less out of pocket per claim
- Higher monthly premium
- Worth it if a likely fender-bender would otherwise hurt cashflow
Third-Party and Third-Party + Theft tiers don't have a per-claim excess on the standard cover. Excess only applies on Comprehensive own-damage claims. Caser doesn't currently offer a no-excess Comprehensive option.
What to do after a motorcycle accident in Spain
01
Make safe — move out of traffic if possible. ReMoto may have already triggered if it was a serious crash and auto-called help.
02
Injuries: call 112. Public hospitals treat emergencies regardless of insurance — Caser reimburses afterwards if applicable.
03
Photos: scene, damage, number plates of all vehicles, road conditions. Take them BEFORE moving the bike if safe.
04
Fill in the parte amistoso (accident report form) with the other party. Both parties sign. Photo each other's licence and insurance documents.
05
Call the Caser claim line (English-speaking, 24/7) — give your details and policy number. Use a free choice of garage for repairs (no Caser-network restriction).
06
Theft? File a denuncia at the police station within 24h, then send the report to Caser via the app or email.
Report accidents to Caser within 7 days. ReMoto data is used only to confirm the incident, never for any other purpose. Free garage choice means you pick where it's repaired.
Where Caser motorcycle cover applies
01 · Region
All of Spain
Full cover across mainland Spain, the Canary Islands and the Balearic Islands. Free garage choice — repair anywhere, not restricted to Caser network. ReMoto AI fall detection works wherever you have phone coverage in Spain.
02 · Region
EU and EEA
Compulsory third-party cover extends across all EU/EEA countries via the Green Card system on every tier. Comprehensive own-damage cover may have territorial limits — confirm before longer trips.
03 · Region
Outside EU/EEA
Cover may be limited or need an extension for Morocco, Turkey, Switzerland, UK and other non-EU destinations. Always tell us before riding cross-border so we can confirm the right cover for your route.
04 · Region
ReMoto territorial note
ReMoto's automatic emergency dispatch is centred on the Spanish emergency network. Outside Spain, the policy's standard assistance abroad still applies but the auto-dispatch may not function the same way.
Check your General Conditions document for territorial limits per tier. We send the full document before you sign and walk you through anything that affects cross-border riding.
Key Terms
Key motorcycle insurance terms in Spanish
Understanding these terms helps when reading your policy or dealing with insurers
Claims handling is where broker value really shows. We liaise with Spanish insurers on your behalf, translate correspondence, and ensure you're not left waiting. That peace of mind is worth it.
Marco Elsinger
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
Frequently asked questions
Anything more specific — call or WhatsApp, we'll pick up.
Which motorcycle insurance tier should I pick?
Old bike with secure storage → basic Third-Party. Bike worth €3,000+ or you park outdoors → Third-Party + Theft (best-seller). New bike, daily commute, or bike worth €8,000+ → Comprehensive. ReMoto safety is included free on all three.
What is ReMoto and is it really free?
Yes — free on every tier. App-based AI fall detection that auto-dispatches an ambulance with your GPS location if you crash and can't call for help. No installation, no extra cost, no riding-style tracking. Location is only transmitted at the moment of detected accident, never any other time.
Do you give a no-claims discount from day one?
Yes — full no-claims bonus from day one, no certificate needed (this is unique to us). Up to 60% renewal discount for claim-free riding. Most other brokers require proof of no-claims from your previous insurer; we don't.
Do you cover scooters and mopeds?
Yes — all motorbikes including 50cc mopeds, scooters, classic bikes and high-performance sports bikes. Different tier rules can apply depending on engine size and rider age.
What documents do you need for a quote?
Date of birth, postal code, date of motorcycle licence issue, and bike registration. Just DNI/NIE + driving licence to take out the policy. EU licences accepted directly; UK and other non-EU licences accepted within applicable exchange windows.
Can I include another rider?
Yes — additional named riders can be covered. May affect your premium based on their age and licence history.
What about helmet and riding gear?
Optional add-on (Comprehensive tier). Worth taking if you wear a high-end helmet or leathers.
Is fire damage really included even on basic Third-Party?
Yes. Fire damage to your bike is included as standard, even on basic Third-Party. Useful in summer when wildfires can affect parked bikes — many other 'minimum legal' policies exclude this.
Can I use my bike for delivery work?
Standard motorcycle insurance is private use only. Delivery, courier and food-app use needs a specific commercial policy — declare the usage at quote and we'll route you to the right product.
What happens if I have an accident?
Call the Caser claim line (English-speaking, 24/7) with your details and policy number. ReMoto may have already triggered if it was a serious crash. We walk you through the parte amistoso, photos and Caser submission. Use a free choice of garage for repairs.
How do I pay?
Annual, six-monthly or quarterly when premium exceeds €100. Direct debit, no surcharges. Most riders pay annually for the lowest cost.
Can I cancel?
Yes, at any time with at least one month's notice before renewal. No refunds for the unused period as standard.
Related guides
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Step-by-step process for re-registering your foreign vehicle to Spanish plates
Read more →Customer Reviews
Customer reviews
4.8/ 5
Based on 623+ reviews from expats across Spain
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.
I ride mostly on weekends and wanted something more than the minimum. They found a Caser fire & theft plan that made sense for my bike.
