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Young Driver Insurance in Spain - in English

YOUNG DRIVER INSURANCE IN SPAIN – IN ENGLISH

SCOOTER & CAR INSURANCE FOR YOUNG DRIVERS & RIDERS IN SPAIN.

INSURANCE IN SPAIN FOR 16+ YEAR OLDS.

We can insure any qualified 16-year olds on most scooters and most 18+ year olds in cars, even if they have only just passed their driving test in Spain. Young drivers in Spain are those classified as between the ages of 16 and 25.

Obtaining Car or Scooter insurance for young drivers in Spain has always been a difficult task for Mum or Dad. Searching through a plethora of insurance companies that state they can cover young drivers for insurance on a car, motorcycle, quad or scooter, just isn’t that easy.

ADDING YOUNG DRIVERS TO YOUR EXISTING CAR INSURANCE POLICY IN SPAIN.

We have heard this many times. It is something done quite often in the United Kingdom. Here in Spain, many insurance Agents trying to get your business would suggest that they can add them to your existing Spanish car insurance policy, so that they can drive your car, gain some experience and help improve their No Claims Bonus.

This is Ok if your dependent is over the age of 25. Most Car and vehicle insurance policies in Spain offer insurance cover for the over 25’s and a cheaper version that is suitable for drivers over the age of 50.

NAMED YOUNG DRIVERS ON CAR AND MOTORCYCLE INSURANCE IN SPAIN.

Having a named driver on your existing policy, as long as they are over 25 and are not the main driver of the vehicle, is easy, just add them on and pay a small additional premium. However, if they are 25 and have no driving experience then the additional premium can be quite hefty. If the named driver is going to be the main user of the vehicle, you must state this to be the case. Failing to claim them as the main driver could invalidate your insurance in the event of an accident or insurance claim.

Naming an additional driver on your insurance policy in Spain will help them gain some no claims bonuses over the next five years, until they reach the full 60% no claims bonus level and then the premiums should be similar to your own full no claims bonus premium.

INSURANCE FOR YOUNG DRIVERS IN SPAIN - WARNING!

It has been the practice in the past for local insurance agents to provide a policy for a young driver in Spain to be covered under one of their parents or guardians name. The policy is issued in the name of the Insurer, you as the guardian or parent, and they then claim your young driver is covered. Don’t ever accept this unless you can see the young drivers name on the policy documents. This has been a rouse to get your insurance premium and when you notice the error and try and get your premium back, well, good luck with that one.

YOUNG DRIVER SCOOTER INSURANCE.

Years ago, scooters could be ridden by anyone fourteen years old and above, that has now changed to 16 years old and above. This was due to pressure from the European Union and from the number of serious accidents to under 16-year olds driving around on Scooters. Now they have to take a preliminary scooter test.

Many insurance companies will not take any risks by insuring young drivers on scooters, motorcycles or in cars, under 25. With this age group being the most at risk category of insurance, the risk was just not worth the effort.

The only form of insurance available for Scooter insurance in Spain is third party insurance cover only. Many young drivers like to show off when they have their first scooter and the chances are that they will have an accident or fall off and damage the scooter within the first few years.

Scooters are also very easy to steal as they are left everywhere and not often locked or protected properly. Two men can easily pick up a 50cc scooter and bundle it into the back of a van, unseen. Hence the rate of stolen Scooters in Spain is amongst the highest in Europe. A scooter is reportedly stolen every 8 minutes in Spain.

ELECTRIC SCOOTER INSURANCE FOR YOUNG DRIVERS.

Herewith a complicated subject. Our advice, if you want to insure an electric Scooter or two wheeled vehicles in Spain is to contact us. There are new rules regarding Electric scooters and the type, size, speed, make etc all count. Your home insurance may cover some types, whereby others are not permitted on public streets.

CURFEW INSURANCE FOR YOUNG DRIVERS IN SPAIN.

Some insurance companies that are now insuring Scooters and cars for young drivers can offer additional incentives to young riders and drivers in Spain. By having a curfew, like not driving between 6 pm and 7 am, {times can vary depending on what the scooter or car is being used for} and dramatically reduce the premiums. Get caught out of curfew hours and you may not be able to get insurance for quite some time or get a hefty premium penalty.

YOUNG DRIVER INSURANCE FOR UK REGISTERED CARS.

Young drivers can be added to a UK registered car that is insured in Spain. There are several things to take into consideration. If they are under 21 with little or no driving experience the insurance companies in Spain will adapt a multi-policy rule.

This rule requires you to have at least 2 other insurance policies with their company and it will all depend on your insurance history, premium, what cubic capacity and value of the vehicle is.

Young Driver Insurance in Spain - in English