Skip To content

test 4x4

ABOUT WWW.4X4INSURANCEINSPAIN.COM.
This website has been designed to provide you the viewer to find the best and most affordable 4x4 and off-road vehicle insurance in Spain, Portugal, Gibraltar the Iberian Peninsula including all the Balearic Islands, Ibiza and the Canary Islands. We can also provide 4x4 insurance for UK registered vehicles in Spain, Europe and the UK. UK registered or plated 4x4’s can often get cheaper premiums than they can in the UK and bear in mind that all our 4x4 and motor vehicle insurance policies include the compulsory Breakdown recovery insurance that is valid throughout Europe.

4X4 INSURANCE IN SPAIN IN ENGLISH.
If you are looking for any type of Insurance in Portugal, we have a website specifically designed for Expat insurance Services in Portugal in English at www.insuranceinportugal.com

WHAT TYPE OF INSURANCE SHOULD I HAVE FOR 4X4 AND OFF-ROAD VEHICLES IN SPAIN?
This all depends on what type of 4x4 vehicle you have and what you want to use your 4x4 for.  Most 4x4 vehicles are used as a daily commuting vehicle to get to and from work, taking the kids to school, shopping and as a general-purpose vehicle that you might use to tow a trailer, horsebox, boat or caravan. 4x4 vehicles are very versatile and have the power and strength that can cope with most peoples needs.

Insurance from third party only to fully comprehensive and total loss cover, including breakdown recovery insurance, civil and legal liability and windscreen insurance is available. Our 4x4 insurance experts and specialists will help you select the most suitable cover for your needs. 

4X4 INSURANCE AS A FAMILY VEHICLE.
As a family vehicle, and as minimal cover, 4x4 insurance should cover the driver and all passengers, have third party liability, civil and legal protection, and cover the medical expenses in the event of an accident whereby persons are injured.  When you have searched around and found yourself a nice cheap quote for your 4 x 4 you need to consider WHY your insurance quote is so cheap. 

In this world you get what you pay for. Insurance agents and insurance brokers in Spain will cut the actual standard cover or increase your Insurance Excess to provide you with the cheapest quote in a bid to secure your business. This is NOT how insurance should be delivered.

CHEAP 4X4 INSURANCE QUOTES IN SPAIN.

Cheap insurance quotes can cost you dearly! They are only cheap because the actual cover, often in the small print, has been cut, or you have been offered an insurance quote for your 4x4 with a very high Insurance Excess. By cutting the insurance cover for your passengers to reduce the initial premium and making the 4x4 insurance policy as Driver only, meaning that the driver is the only one insured to drive the vehicle and is the only person insured within the vehicle, means that passengers that might be involved in an accident where injuries are incurred, are not likely to be covered for any Medical or Health Insurance for emergency treatment.

Image the scenario if you have taken your wife and kids out in the car and you were not aware that you were the only person insured in the vehicle! Think about it. You bought cheap insurance, possibly not being fully aware of the cover – few people actually read what they have paid for in the insurance policy, and many insurance agents and brokers won’t explain what you are actually getting for your money.

EXCESS CHARGES EXPLAINED ON 4X4 INSURANCE IN SPAIN.
What is Insurance first excess?
Another way Insurance Agents in Spain reduce your car insurance premiums is to increase your First Excess. The first excess is the amount you agree to pay in the event of you making a claim, regardless of who was responsible. Standard Excess Insurance charges on motor vehicles in Spain is around the €300 mark. This is the amount you agree to pay to your insurance company, as an up-front payment, unless the insurance company is prepared to deduct it from the total insurance claim pay-out, before they repair your vehicle.

If your repairs are small, many people don’t bother making a claim on the insurance company because they are required to pay the first €300 of the claim. By making a claim you may, in some circumstances, risk losing some of your No Claims Bonus that you have accrued over the years from not making claims. (More on this later).

Insurance Agents and Brokers in Spain can increase your First Excess, when they prepare an insurance quote for you, to as much as €1500 or more and by doing this (remember you pay this amount for any claim you might make) it will reduce your insurance premiums because you are prepared to take on a higher first excess element.

INSURANCE NO CLAIMS BONUS 4x4 (NCB) EXPLAINED.
How to build up your Insurance No Claims Bonus.
Most insurance companies will offer you incentive discounts on your insurance premiums up to a maximum of 65% on the premium they quote you. This is entirely dependent upon your claims history. Young drivers have little or no driving experience when they first seek insurance. As they have not had any previous insurance cover, they will not be entitled to any No Claims Bonus deducted from their insurance premiums and hence their premiums tend to be higher as they are more likely to make a claim due to the lack of driving experience.

As the years go by, insurance companies will offer discounts for the first five years of insurance up to a maximum of 65% on an increasing scale if no claims are made against them by the insured.

NAMED DRIVERS ON 4X4 INSURANCE IN EUROPE.
Having a named driver, particularly when they are young drivers that may have just passed their tests, can save you money in the long run. Some of the insurance companies we use will allow these younger named drivers to accumulate their own No Claims Bonus. Naming them as a second driver does not necessarily mean that they can use the 4x4 as their only daily vehicle. Our 4x4 Insurance specialists will advise you on the best way to save money on insurance for young drivers.

COMPARING 4X4 INSURANCE IN SPAIN.
Most popular 4x4's insured in Spain.
4x4 vehicles are available from most vehicle manufacturers and some of the most popular models are the Range Rovers, Kia Sorento, Volvo XC 90, Dacia Duster, Honda CRV, Land Rover Discovery, Nissan X-trail and the Audi Q5.

When comparing 4x4 insurance quotes from comparison web sites, bear in mind that NOT all Insurance companies are listed on these comparison insurance websites and Insurance Comparison Websites are just another intermediary trying to get your business. Insurance companies on comparison websites will offer a commission to the comparison website company in a bid to be presented as the best or cheapest insurance for that particular vehicle insurance category. Look around and make comparisons for yourself, quick responses and a personal service will help you decide who to use. 

4x4 RENTAL INSURANCE IN EUROPE.
Many Car Hire companies in Spain and Europe offer a range of 4x4 vehicles, including quads for tourists to use. We offer a range of Car Hire Insurances for businesses, including those used for Quad tours in Spain. 4x4 Car rental companies often require a sizeable deposit or bond, when you hire a car, so that they can cover any damages you may have caused to the vehicle whilst on hire. We have a collision damage waiver insurance that covers this retention amount, so that you do not need to use your own funds as the bond on car rentals in Spain or Europe.

TEMPORARY 4X4 INSURANCE IN SPAIN.
Temporary or short term 4x4 insurance is not something that Spanish insurance companies offer. You are contracted to annual insurance premiums on any car insurance policies. However, they may offer a partial refund on cancelled policies, albeit you have to prove you have sold or transferred the vehicle or can provide a SORN statement. Refunds are not pro rata and if the policy has run for more than 8 months, don’t expect any refunds.

Some will offer reasonable or split payment terms by allowing you to pay every three or six months, and you will need to do this by direct debit. Premiums will be a little higher than normal, as banking charges are added to cover the costs of presenting a payment request 2 or 4 times each year.

4 X 4 AND OFF ROADING IN SPAIN.
4x4’s have become very popular over the past decade in most countries in Europe. With the change and emphasis now on pollution and climate change from the big old 4x4’s, a movement towards electric and hybrid vehicles is coming. As motor manufacturers get to terms with electric and hybrid vehicles, they will be producing 4x4’s in these versions and the public will eventually move to buying these.

TOWING INSURANCE FOR 4X4’S IN SPAIN.

4x4 vehicles are those primarily used when there is a need to tow something. This could be a Horsebox, boat and trailer, garden trailer, box trailer, vehicle transport trailer and a whole host of other possibilities.

Our Trailer and towing insurance is included in the premium and gives you the ability to tow any legal trailer up to a weight of 750 Kilograms free of charge. Obviously, you need to let us know that you have a tow-bar on the vehicle and that you are likely to tow a trailer. If you need to tow a bigger trailer that has a Gross Trailer Weight in excess of 750 Kilograms, you will need to have a separate insurance policy to cover the trailer.

Like any vehicles in Spain, any trailer over 750 Kilograms will also require to abide by the laws of Spain, have its own documentation and be regularly tested and have a test certificate similar to a UK MOT or Spanish ITV.

RULES OF TOWING A TRAILER IN SPAIN.
If you have a British registered 4x4 in Spain, you can only tow a British registered trailer. If you have a Spanish registered 4x4 in Spain, you can only tow a Spanish registered trailer. All too often we have reports of Spanish registered vehicles towing a British registered trailer, only to learn that they have been stopped by the police and the trailer, and contents on or in it, confiscated. Getting your trailer or car back can expensive and fines can be high. Towing different types of trailers. 

4X4 BREAKDOWN RECOVERY INSURANCE IN SPAIN AND EUROPE.
Breakdown recovery or SOS insurance in Spain is included in all our 4x4 insurance quotes as standard. As you are not permitted to tow a vehicle in Spain under any circumstances, you are required to have the compulsory breakdown recovery insurance on all vehicles that are used on the roads. The exception here is some scooters and motorcycles.

The breakdown recovery insurance provides 365 day a year 24/7 call out assistance. If your 4x4 vehicle breaks down anywhere, or won’t start in the morning, you can call this emergency service and they will, under normal circumstances get to you within 30-40 minutes. They will either repair the vehicle on the side of the road or transport your vehicle to the nearest suitable garage.  

Distances are regulated to areas within 120 Kilometres of your breakdown location. If you are a long way from home, or your vehicle is beyond repair, or it may take a day or so for repairs, they may pay towards hotel costs and repatriation- getting you back home in the event that your vehicle can’t be repaired within a reasonable time.

If your 4x4 vehicle is involved in an accident, they will recover it and take it to the nearest garage unless it is badly damaged, in which case it will be towed to the breakdown recovery vehicles storage pound.

MAKING A CLAIM ON YOUR 4X4 INSURANCE IN SPAIN.

If you need to make an insurance claim on your 4x4 insurance, you should complete the standard insurance claim form that is included in your insurance pack. If you are involved in an accident, stay calm and complete the claims form properly. (We are working on an online claim form to use). Send the claims form to your Insurance Agent or Broker or *contact us and we will help you process your claim.

*We will automatically process your claim as a policyholder of www.insuranceinspain.com 

If you are not a policy holder, we are happy to process your claim, (fees may apply) as we are aware that some Expat Insurance Agents and Brokers in Spain are not as competent or diligent in processing claims in Spanish.

4X4 INSURANCE OPPORTUNITIES
If you are an Insurance Agent or Broker, or want to start your own Insurance Agency or Brokerage and you want to offer your clients quality 4x4 insurance in Spain, Portugal, Gibraltar, UK and Europe, then you should join our AFFILIATE PROGRAM.  Our affiliate program is associated with Plegasus Europe Sl. and offers unique opportunities to tied Insurance Agents all over Europe that are looking to expand and improve their businesses. 

Thank you. 

Updated April 4th 2020.  Copyright www.4x4insuranceinspain.com