Third party, third party plus or comprehensive
The price gap between cover levels is usually bigger than the gap between companies. Choose your cover based on your car's real value, not on habit.
- Third party: legally required. Covers damage you cause to others, not your own car. Reasonable for vehicles over 10 years old.
- Third party plus: adds glass, theft and fire. The sweet spot for cars aged 5–10 years.
- Comprehensive with deductible: also covers your own car, with you paying part of each claim. Usually worth it for cars under 5 years old or on finance.
When it pays to compare
Spanish law lets you cancel your policy by giving one month's notice before renewal. The best time to request quotes is one to two months before renewal: you have room to negotiate and insurers can apply new-customer discounts.
How to lower your premium without losing cover
Small changes in your declaration move the final price a lot. Review them before signing your renewal.
- Adjust your real annual mileage: many drivers declare too much.
- Only list the drivers who actually use the car.
- Consider a higher deductible if you have had no claims for years.
- Ask for your no-claims bonus to be applied when you switch company.
What determines your price
Age and licence seniority
Drivers under 25 or with recent licences clearly pay more.
Province and parking
Big cities and street parking instead of a garage raise the premium.
Model and power
High power and expensive spare parts push the price up.
Claims history
Claim-free years are the single biggest discount available.
