Frequently Asked Questions

Spanish Law is similar to the road traffic laws in other countries throughout member states of the European Union – all vehicles using the roads must be insured for third party liability risks. All Abbeygate Motor policies fully comply with the Regulations of all EU territories.

EU Regulations stipulate that vehicles must be insured by an Insurer licensed to operate in their country of registration. Abbeygate have products that are able to insure both UK and Spain registered vehicles owned by expatriates in Spain. The Underwritters are allowed under the EU "Freedom of Services" Directive to cross border service from the UK and Gibraltar and thus can legally insure UK registered cars driven in Spain. The underwritters are "established" in Spain through the Spain Regulatory Authority – the DGS – and therefore can also insure Spain registered vehicles owned by expatriates living in Spain.

The market does not allow for cars over 10 years old to have comprehensive cover. Abbeygate do however provide Comprehensive cover for vehicles a lot older. We want our customers to have Comprehensive benefits wherever possible.

Yes it is! Whilst driving your car on the road in Spain you MUST have the following documents with you:

• Driving licence
• The car´s Ficha Tecnica (showing the technical details of the car) or Log Book if UK registered
• All your insurance documents - receipt, certificate of insurance (for UK vehicles) and Green Card

If your vehicle is stolen and the documents have gone with it the situation can become problematical. So, although slightly inconvenient, we recommend that whenever you leave your vehicle unattended that you take the documents with you. However if you don't you will have to arrange to replace them before your claim can be settled. The procedures involved to get replacement documents are as:

• Attend the Police Station and make a statement.
• Apply for a new Ficha Tecnica at your local ITV centre - probably takes around a week and you need to take the Denuncia with you.
• Once you have the Instancia and a new Ficha Tecnica you then apply for duplicate papers at your Trafico Office.

For UK registered vehicles you will need to write to the DVLA and apply for a replacement Registration document.

If you are travelling abroad especially to the UK for a period longer than a month please tell your Insurance Adviser how long you are travelling for.
Your policy provides free foreign cover for Temporary visits to:

• Any country that is a member of the European Union
• The Isle of Man, Gibraltar and the Channel Islands
• The Czech Republic, Hungary, Norway, the Slovak Republic and Switzerland

If you are intending to visit any country not listed above you must contact us prior to departure.

No. You must ensure that if you are driving a vehicle that does not belong to you that the owner of that vehicle has arranged for you to drive under the terms of their Insurance policy.

The insurer is entitled to request proof that any outgoing vehicle has had a name change demonstrated by providing appropriate documentation ( Justificante ) in order to complete any requested changes to the current policy.

Most insurance policies are designed to run for 12 months and the premium you pay is for a full year. Therefore, if you cancel mid-term and do not take out another policy, strictly speaking you are breaking your agreement to insure for the full year. If you do cancel there are still several costs that have to be paid for, such as administration, documentation and commission to the agent that arranged it. These costs must be covered no matter how long the policy runs. Spanish insurers are not obliged to give a refund however, Abbeygate have agreed with certain insurance companies, our customers under certain circumstances a premium credit.