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Some insurance policies like medical cover are not compulsory, others such as fire protection for your property, are. Your vehicle however, must be insured at all times, even if it’s kept off the road in a garage. The minimum legal compulsory insurance is Civil Liability to cover any damage to or claims from a third party, resulting from your vehicle. The existing legislation (Royal Decree 8/2004) states that any car that is kept in Spain must be insured. Trailers and other special types of vehicles that weigh less than 750 kg and cannot be driven on Spanish roads are not required to have insurance. This also means that they cannot be parked on roads or kept on private land. If you own a vehicle that’s not insured you could face a fixed penalty from 601€ up to 3,005€, and your vehicle may be seized and immobilised. WHY DO I NEED TO INSURE MY CAR IF IT'S KEPT IN A PRIVATE GARAGE? The owner of a vehicle has a civil responsibility towards their neighbour and their property. Civil responsibility extends beyond car accidents on Spanish roads. If a vehicle, for example, kept in a communal garage, has a fire due to a short circuit, the owner will be responsible for any resulting damages to third parties. The owner will also be liable for a fixed penalty fine, the amount will depend on the gravity of the situation, the length of time the vehicle has been without insurance, and if this is a repeat offence. IN WHAT CIRCUMSTANCES IS INSURANCE NOT COMPULSORY? If your vehicle has officially been temporarily or permanently taken out of circulation, for example it has been scrapped, then no insurance is required. If you own a vehicle that is not being used and you wish to avoid paying for insurance, then you can apply to have it temporarily taken out of circulation. However, to do this the vehicle needs to have passed its MOT. If the MOT has expired, then it must be taken again and passed, before applying. HOW CAN I AVOID ANY FIXED PENALTY FINES? The best option is to ensure you have adequate insurance protection for your vehicle at all times. Once your vehicle complies with Spanish regulations, you can then decide what the future use of your vehicle will be, and whether or not to keep it in circulation or take it out. If you require an insurance policy for your vehicle, you can contact Línea Directa on 902 123 171. They can supply you with a fast and efficient quote for either third party or fully comprehensive insurance. We hope the information provided in this article is of interest. If you would like to contact Línea Directa please call 902 123 171. More information on Línea Directa online at
www.lineadirecta.com.
DO I NEED TO INSURE MY VEHICLE EVEN IF IT’S OFF THE ROAD?
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