Car Insurance for Expatriates in Spain with Mutuarisk Expats

Are you an expatriate driving in Spain?
If you own a car or motorcycle with Spanish plates, or if you are importing a vehicle fron abroad insurance is mandatory.

At Mutuarisk Expats we work with multiple insurers to compare, negotiate your best terms, and deliver a policy perfectly matched to your needs.

Expat Expertise

With over 30 years of experience, we have guided hundreds of foreigners in Spain through every aspect of car insurance

Comprehensive, Flexible Coverage

From mandatory third-party liability to fully comprehensive plans, roadside assistance, glass breakage, theft, fire…

International no-claims certificate

Bring your accident-free driving history from abroad and we’ll translate into a no-claims bonus and lower premiums.

Tailor made coverage

Pick and choose protections based on your vehicle type, age, driving experience, and real-world needs.

Full Policy Management

We handle everything from initial quotes to claims

Service in English

Key Benefits for Expats

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Truly independent advice

We search, compare, and present the best suitable policies from a broad panel of insurers.

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Access to Top Insurers

Leading insurance companies offering the finest terms and rates.

No-Claims Bonus Transfer

Simply provide your previous insurer’s no-claims certificate; we’ll secure your deserved discount.

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Support in English

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Tailored Solutions

Whether it’s a new car or motorcycle, we build the perfect policy for you.

Benefits for Expats

English Support

So you fully understand your policy terms and receive recommendations tailored to your family, mortgage status, or profession.

Independent Comparison

As a 100% independent brokerage, we compare policies from major national and international insurers to secure the best terms and exclusive rates for expats in Spain.

Flexible Options

Individual or family policies, with add-ons such as critical-illness cover or mortgage protection to fit your life stage

Tax Advantages

If you’re self-employed, premiums may be tax-deductible

Why You Need Car Insurance in Spain?

In Spain, driving without insurance is illegal
A policy is needed to protect you against accidents, damage, theft, and any unforeseen events affecting your vehicle or third parties. With Mutuarisk Expats, you enjoy the peace of mind every expat deserves.

Your Peace of Mind on Wheels Starts Here

Mutuarisk Expats provides the perfect car or motorcycle insurance in Spain. Our experts protect your vehicle so you can focus on the road.

Looking for Expert Car Insurance advice?

Fill out our form to receive expert, tailored advice on your insurance needs. We’ll help you compare and select the best car insurance for expatriates in Spain

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Vehicle details

Frequently Asked Questions

Yes. Spanish law requires every registered vehicle to have at least third-party liability cover to protect others from damage.

Absolutely. Expats enjoy the same right to insure their vehicles in Spain. Submit your foreign no-claims certificate to benefit from international no-claims recognition.

Most will. Provide your international no-claims record, and insurers will apply your earned discounts.

  • ID (NIE, passport, or residence permit)
  • Vehicle registration certificate
  • Foreign no-claims certificate (if applicable) or previous policy details
  • Driving license

Yes. Submit your no-claims certificate and your new insurer will recognize your bonus

In most cases, yes. Towing and assistance are typically part of the cover and don’t affect your no-claims bonus.

Yes. Mandatory liability protection extends to both driver and passengers in the event of an accident.

Most policies allow occasional drivers, but others require you to list all regular drivers — particularly young or newly licensed ones. Let us know your situation so we can assess it and advise you accordingly.

Still have questions? Talk to an expert advisor