This article on motorbike insurance in Spain, also commonly known as motorcycle insurance, is designed to help expatriates (expats for short) living in Spain, get the lowest and cheapest quote for your Spanish motorbike insurance. This article is also aimed at people looking for scooter insurance in Spain and moped insurance in Spain.
Also many companies and brokers in Spain will also insure UK registered motorbikes, motorcycles, scooters and mopeds.
We also have some basic driving tips and advice so you know some of the rules for riding motorcycles and motorbikes in Spain.
How to Find Cheap Motorbike Insurance in Spain
One of the easiest ways to find the cheapest quote for motorbike, motorcycle, scooter and moped insurance is to contact a Spanish insurance broker that can take your details wants and contact multiple companies on your behalf in return for a small commission.
This process is extremely time consuming if you were to do it yourself and you still may not come up with as low a price as a broker can find you, because you are very unlikely to know all the various sources of competitive Spanish motorbike insurance.
Spanish Insurance Brokers Providing Motorbike Insurance:
Spanish insurance brokers that can help you with finding cheap quotes for scooter insurance, moped insurance, motorcycle insurance and motorbike insurance in Spain include: Ibex, INOV Insurance, Abbeygate, Jennifer Cunningham and Knight Insurance.
Spanish Insurance Companies Providing Motorbike Insurance:
Companies that provide insurance in Spain for motorbikes, motorcycles, scooters mopeds include: Linea Directa (the Spanish equivalent of Direct Line Insurance in the UK) as well as Liberty Seguros.
Try also find a insurance price comparison website that will compare the details of your motorbike or motorcycle and with your personal details it will search and give you on online quotation indicting the cheapest motorbike insurance providor.
Riding a Motorbike and Motorcycle in Spain – Tips and Advice and Road Rules and Regulations
Fines for speeding in Spain are high. These are the official Spanish speed limits on the different types of roads:
Spanish Motorways (autoroutes) 120 kilometres per hour.
Normal roads 90-100 kilometres per hour.
Urban areas (i.e. cities and towns) 50 kilometres per hour down to 30 km/h near schools.
When driving your motorbike or motorcycle in Spain it is regulation to carry a high visibility vests and warning triangle.
Always have your important documents on you at all times. These include your passport, insurance policy documents and your drivers licence. If you are stopped by the Spanish police and you failed to have the correct documentation or you were speeding you may be subject to on the spot fines. If you cannot pay immediately they will escort you to the nearest cashpoint machine. Failure to be able to pay can result in your motorbike being impounded.
Is Motorbike Insurance in Spain Compulsory?
Yes, motorbike and motorcycle insurance in Spain, and this includes scooters and mopeds, is compulsory just like Spanish car insurance whereby you must have the minimum third-party as required by law.
Spanish Motorbike Insurance in Spain in English
Fortunately these days most of the major Spanish insurance companies and also the growing number of insurance brokers appealing specifically to the expat market, are offering bike and motorcycle insurance policies in English as well is providing English-speaking staff on hand to answer any questions you may have. In particular, Liberty Seguros and Linea Directa have good English-speaking staff. Also the major insurance brokers of Ibex, Abbeygate and Knight Insurance offer policies in English.
Types of Motorbike Insurance in Spain:
Fully Comprehensive Motorbike Insurance in Spain
Fully comprehensive insurance in Spain is called ‘todo riesgo’ which translates as ‘all risks’. This covers your type of bike such as scooter, moped, motorcycle or motorbike involved in an accident as well as covering you and the third-party in the event of personal injury and for medical expenses.
Fully comprehensive insurance in Spain will usually also come included with asistencia en viajes (breakdown cover and roadside assistance) and legal expenses (defensa penal).
Third Party Motorbike Insurance in Spain
This is the most basic type of car insurance in Spain and it is this type that is the compulsory, minimum as required under Spanish law. All type of bike such as scooter, moped, motorcycle or motorbike Spain must have this insurance under Spanish law. In your documentation you will see this referred to as either responsabilidad civil obligatoria or seguro obligatorio.
Do note that if you are involved in an accident this insurance only will cover any damaged to the other vehicle or people involved in the accident. Any medical injuries you sustain or damage to your bike is not covered if the accident is your fault.
Third Party Fire and Theft Motorbike Insurance in Spain
You can opt for just third-party insurance but it is better to pay the extra for third party fire and theft. This is because there really isn’t much difference between the two and also because there is a lot of motorbike and scooter crime each year in Spain. If your documentation says ‘responsabilidad civil obligatoria, incendio y robo then you have third-party fire and theft insurance.
No Claims Bonus in Spain
Most Spanish insurance companies will recognise your no-claims bonus (NCB) even if you have built this up in another European country such as the United Kingdom (UK). In common with other countries your motorbike insurance in Spain gets cheaper the longer you go without making a claim on your insurance policy. You can always opt to pay a small additional premium in order to protect against the risk of losing your no-claims bonus.
If you need more help with different types of insurance in Spain then see our home page which contains many links to many different types of insurance coverage available for people living in the country of Spain.