This article on moped/scooter insurance in Spain (known as seguros de moto in Spanish) is designed to help expatriates living in Spain get the lowest and cheapest quote for your Spanish moped insurance.
We also have some basic driving tips and advice so you know some of the road regulations and rules for riding mopeds in Spain.
Quotes for Scooter & Moped Insurance in Spain
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If you need cheap car insurance in Spain we can also compare to get you the best prices.
How to Find Cheap Moped Insurance in Spain
One of the easiest ways to find the cheapest quote for moped insurance is to contact a broker that can take your details 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 moped insurance.
If you are a young person under the age of 25 then you may find it hard to find anybody willing to insure you. Our related article on insurance for young drivers in Spain is worth reading.
Spanish Insurance Brokers
Spanish insurance brokers that can help you with finding cheap quotes for moped insurance in Spain include: Jennifer Cunningham, Knight Insurance Spain, INOV Insurance, Abbeygate Insurance, Nash Warren Insurance, Expat Insurance in Spain, Spanish Insurance Solutions (SIS), The Insurance Centre, Hamiltons, IBEX Insurance, Easy Insurance Spain/Easy Cover and IIS (Insure in Spain).
Spanish Insurance Companies
Companies that provide insurance in Spain for mopeds include: Linea Directa (the Spanish equivalent of Direct Line Insurance in the UK) as well as Liberty Insurance (Liberty Seguros) and Mapfre.
Try also find a insurance price comparison website that will compare the details of your moped and with your personal details it will search and give you on online quotation indicting the cheapest moped insurance provider.
Websites To Compare Moped Insurance
Spain does not have the variety of price comparison sites which are much more common in other countries. However a new site from Asesor Seguros does just that. This comparison site for moped insurance compares prices between the best Spanish moped insurance companies as listed below:
- Mapfre Motos
- Linea Directa Motos
- Genesis Moto
- Fenix Directo Motos
- Caser Motos
- Regal Moto
- Mutua Madrileña Motos
- Pelayo Motos
- Reale Motos
- Inter Hannover
- Mas Moto
- MMT Seguros Moto
Remember to not purely base your decision on price alone. Cost is an important factor but so is the small-print, what coverage is included and what service you may get if you have to make a claim.
Riding a Moped in Spain – Tips, Advice, Road Rules and Regulations
You do need to be aware of the Spanish laws for mopeds so that you don’t get caught out and fined.
Fines for speeding in Spain are high. These are the official Spanish speed limits on the different types of roads:
Spanish Motorways (auto-routes) 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 moped 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 moped being impounded.
If you happen to be under the age of 25 you will be classified as a young driver in Spain and our previous experience in our case studies for car insurance have shown us that this is extremely hard to obtain in Spain.
Is Insurance in Spain Compulsory?
Yes, insurance for scooters and mopeds is compulsory just like Spanish car insurance whereby you must have the minimum third-party as required by law.
Spanish Moped Insurance 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 moped 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 Insurance
Fully Comprehensive Moped & Scooter Insurance
Fully comprehensive insurance in Spain is called ‘todo riesgo’ which translates as ‘all risks’. This covers your moped if 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 will usually also come included with asistencia en viajes (breakdown cover and roadside assistance) and legal expenses (defensa penal).
Third Party Moped Insurance
This is the most basic type of insurance in Spain and it is this type that is the compulsory, minimum as required 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 moped is not covered if the accident is your fault.
Third Party Fire and Theft
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 moped 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
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 moped insurance 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 discounts.
Most people looking to insure a moped or scooter in Spain do tend to be under the age of 25 and there can be issues and difficulties getting cheap quotes because insurers look upon these young drivers in Spain as a high risk.
You may really have to hunt around to find a Spanish insurance company who are willing to quote. It may be best to get your parents to take out a policy as insurers cover the moped and not the driver so you could then use it for your own use.
Moped riders in Spain should be wearing a crash helmets but this law is frequently flouted although at the risk of a €100 fine.
The minimum age to ride a moped is now 15 years of age as long as the moped engine capacity does not go over 50cc.
For this reason Spanish moped insurance is often cheaper if you have a 125cc instead of a 50cc – because the drivers have to be older and must pass a test, hence less risk.
Mopeds are exempt from paying any road tax in Spain.
Insurance Quotes – Information You Need
- First Name
- Date of Birth
- Telephone Number
- Current Insurer
- Renewal Date
- Years Held Your Driving License
- No Claims Bonus
- Any Previous Claims or Convictions
- Date of Purchase
- Country Of Registration
- Year Of Registration
- Registration Number
- Moped Make
- Moped Model
- Engine Size
- Type of Insurance Cover Required