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Caser Expat Insurance

Answer your questions on Car Insurance


What do I need to take out a car insurance policy?

Simply your date of birth and the date your driving licence was issued. Please note that the driving licence must either be Spanish or validated in Spain and that your identification must also be Spanish.


Can I pay my car insurance premium in instalments?

Yes. Caser Car Insurance offers the possibility to pay in instalments, provided that the value of the premium is greater than €100. You can pay annually or in six-monthly or quarterly payments.


How long does my cover last?

All Caser car insurance policies run for one year. There is always an option to renew your policy.


Is there a minimum or maximum age to take out a car insurance policy?

You can take out a policy from the age of 25. There is no upper age limit as long as you hold a valid driving licence. Please note that the premium may vary according to the age of the driver and the length of time they have held their driving licence.


Can I renew my cover based on the same terms and at the same premium?

The premium and terms of your car insurance policy can vary from year to year. The age of the vehicle, the age of the driver and your claim history will all affect the renewal premium.


Is there a discount for existing Caser policyholders?

If you already hold car or motorcycle insurance with us, you are eligible to our MultiCar policy and you will benefit from a discounted premium on any further vehicle that you ensure with us.


Why is there no option for comprehensive insurance with no excess?

Due to Caser internal regulations, comprehensive insurance with no excess is not currently available. What's more, comprehensive insurance cover with no excess would cost you more - bear in mind that a comprehensive cover is appropriate for a new car which is worth much more than a car that is several years old.


Can I include other drivers on my policy?

Yes, of course. You can always take out a car insurance policy which covers different drivers. Ensure you provide us with the details of everyone that the policy will cover. Remember that the number of drivers can affect the premium of your car insurance.


Will changing the vehicle registration data affect my premium?

The date of registration of a car is very important as it shows the age of a car, the accident history of the vehicle, etc. The age of your car can affect your premium and even affect whether we can insure the vehicle.


Is there a maximum age for the car that I can insure?

There is no maximum defined age limit for the vehicle that you can insure. However, if your vehicle is a certain age there may be exceptions that apply. Vehicles over 15 years old are limited to fire, windscreen and own damage cover. Vehicles over 25 years old are not covered by public liability insurance.


Why does my date of birth or driving licence issue date change my premium?

The driving licence issue date is essential for a company to calculate the price of your premium. There is a big difference between holding a driving licence for one year and for ten years. The age of the driver is also important.


How do I report an incident?

You can report an incident in several ways:

It is important that you have your details (or those of the driver, if this was not yourself) and the policy number (which can be found in your policy document) to hand.

  • Via our customer service portal.

  • Through your insurance broker.

If you have taken out your policy through an intermediary, contact them to report an incident. Their contact details will be on your policy documents, as well as the policy number.


Will changing my postcode (even within the same province) affect my premium?

The postcode is a risk factor which is assessed in the calculation of your insurance premium. Driving in the capital city is a completely different situation to driving in a small rural town. The price may change significantly from one area to another, even within the same province. As you know, the majority of incidents occur on short journeys.


Where can I find a Caser approved garage?

We have an extensive network of approved garages across Spain, specialised in all makes of car which have our service and quality guarantee. Ask us without obligation about our premium garages network.


Can I cancel a policy?

Of course, you can cancel your insurance whenever you like. Remember to do so at least one month before your renewal date otherwise your insurance policy will be automatically renewed.

Cancellation does not guarantee the refund of the premium that covers the remainder of the policy.

If you need to cancel your policy due to sale of the vehicle, we will require proof of the transfer of the vehicle: a vehicle registration certificate in the name of the new owner, the records from the Spanish traffic authority where the transfer was recorded or the form 620 transfer tax record.


Under what circumstances can I change the policyholder?

A change to the policyholder can usually be made in the case of death of the policyholder, provided that the proposed replacement policyholder has already been included on the policy for a significant period of time. In this way, any accrued discount or no claims bonus will be honoured in the premium.

In the case of the policyholder being a corporate entity, a change to the policyholder may be made if a business has ceased to trade or when the named driver wishes to change the policy to their own name.

In all other cases, any accrued discount or no claims bonus will not be honoured.


Will the vehicle that I am offered with Car4Car cover really be my own?

Yes. It is a replacement vehicle, not a substitute, and it will be in your name


What if I have problems with my Car4Car replacement vehicle after having received it?

The replacement vehicle will have a one year guarantee, however for an additional cost we also offer a Mechanical Warranty to cover serious incidents, allowing you greater peace of mind.


What if none of the options on offer from Car4Car by Caser work for me?

There are always a range of vehicles to choose from so we don’t expect this to happen. If you still can't find anything you like, however, Caser will pay you 120%* of the market value of your vehicle.


Do my car or motorcycle insurance policies change with MultiCar?

Not at all. MultiCar is simply a promotional offer that does not affect the conditions or the cover that you hold.


If I have 2 policies at the same time, I will benefit from the MultiCar discount?

Absolutely! The only requirement is that you already hold at least one car or motorcycle insurance policy with Caser. The discount will apply to any further policy.


What is the telephone number for help or assistance with my car or motorcycle insurance?

All telephone numbers are available on our Caser Expat Insurance website. Feel free to contact us and let us know what you need.


Can I drive a car without insurance in my name?

Yes, as long as the vehicle has a valid car insurance policy and your characteristics as a driver, in terms of age and years of age of your driver's license, are comparable to those of the policyholder and beneficiary of the insurance.


How can I request roadside assistance?

If you have an accident or any other mishap with your vehicle and wish to notify us of a claim, you can do so in the following ways.


Which electric scooters must be registered?

An electric scooter is not required to be registered because it is not considered a general mobility vehicle. However, a legal loophole generates many doubts among users since the DGT has recently imposed the obligation to carry a certificate of circulation for some scooters of this type.


Car insurance telephone numbers and administrative questions

You can make a report or manage your insurance in an easy and fast way on Auto Insurance Services.


Is the excess applied per damaged parts of the vehicle or claim?

In Caser Expat Insurance, unlike other insurance companies, the amount set as excess in your comprehensive car insurance will be applied to the total amount of the repair of your vehicle, not to the division of this by parts or sections (as long as the damage has occurred in the same claim).


How do you fill out an accident report?

The mere fact of driving, of taking a car out on the road, already qualifies us to be involved in an automobile accident. It can happen, and we can be one of the parties that causes it or that is affected by this situation. That is why it is necessary to know how to fill out a friendly report correctly, whatever our role in the accident. That is why below we tell you everything you need to know about it.


Can I cancel my car insurance policy?

You can cancel your insurance policy at any time, at least one month before the renewal date, so that we can effectively stop the automatic renewal process.


Which insurance should I choose if my car is over 10 years old?

When taking out your car insurance, you can choose the type you consider most suitable for your interests and protection expectations. However, you should bear in mind that if your vehicle is over 10 years old, it is best to opt for a basic third-party or third-party with glass insurance.


I have sold my car. What documentation is necessary for the cancellation of the insurance?

Suppose you have sold your car and want to cancel your insurance. In that case, you must provide us with the updated vehicle registration certificate in the new owner’s name, the traffic record and form 620 of the Transfer Tax, and Stamp Duty.


The car has run out of battery. Is it covered by the insurance?

Your car insurance's "Travel Assistance" coverage includes the possibility of requesting our services in case your vehicle runs out of battery and cannot be started. However, this coverage will not cover the amount corresponding to a new battery if its replacement is essential.


Is the crane request unlimited, or has a certain number of uses per year?

With Caser Expat Insurance, you can request a tow truck whenever you need it without any restriction.


Can I switch insurance from one car to another?

If you have come this far wondering if you can change your insurance from one car to another, you will be pleased to know that, yes, you can transfer your current car insurance to your new vehicle. You must notify your insurance company of your intention to keep your policy but change your protection to a different car. That is why we will explain everything you need to know about the procedure.


What is an excess?

In the insurance field, an excess is the amount that the policyholder is willing to assume to repair the damages caused by the loss of his vehicle if he includes this concept in his policy.


How many claims can I report per year for car insurance?

As a general rule, drivers aren’t limited when submitting claims to their insurance company. However, the less you do, the easier it will be not to lose the bonuses or, what is the same, to continue paying the same amount or even qualify for discounts on the same.


If my child drives the car, are they covered?

Yes, although it will be necessary that you have previously included this possibility in your insurance policy.


Do I have discounts for having another insurance with Caser Expat Insurance?

It is essential for us to know that we have your trust, and even more so in such an important aspect for you as your protection. Therefore, we reward this commitment by applying a discount for each additional car insurance, motorcycle insurance, or any other vehicle you decide to hire with us.


Which vehicles must have mandatory insurance?

By law, every motor vehicle —regardless of the type— must have at least Compulsory Civil Liability insurance that covers possible damages to third parties that may be caused by such vehicle.


How do deductibles work in car insurance?

Contracting car insurance with excess implies the possibility of enjoying a more economical price of the annual premium of your insurance, sharing the possible expenses in case it is necessary to repair your vehicle after an accident. Thus, if this happens, you will have to pay the economic amount established in your policy as an excess of the total budget set for the repair.


What should I do in case of a traffic accident?

If you are involved in a traffic accident, we advise you to pay special attention to the following actions, bearing in mind that the most important thing is your safety and the care of the people involved, implementing preventive measures to prevent the incident from worsening and, afterwards, the notification of the accident so that we can proceed to its resolution.


If I lose my car keys, am I covered?

Although the different modalities of our auto insurance policies do not directly and specifically contemplate the renewal of your car keys in case of loss or theft, the "Travel Assistance" coverage offers you some advisory and protection measures that you should be aware of.


Who is the policyholder of a car insurance policy?

The policyholder of a car insurance policy is the person responsible for a series of obligations, such as signing the policy contract or paying the premium.

However, this does not necessarily imply that the policyholder is the person who appears as the insured.


Does the age of the car influence the insurer?

The age of your vehicle is one of the aspects considered when calculating your car insurance premium, along with others related to the vehicle's characteristics and your driver profile.


Is it compulsory to have Car Insurance if I hardly use my vehicle?

If your car is registered with the Dirección General de Tráfico, you are obligated to have car insurance that covers, at least, your Civil Liability against third parties.


How do I know if a car has insurance?

If you want to know if a specific vehicle has valid car insurance, you must request access to the Authorized Vehicle Information File (FIVA).


Up to what amount can I set the excess?

If you decide to opt for our comprehensive car insurance with excess, you will be free to choose the amount that best suits your needs and expectations, selecting an excess of 200, 300, 360, 600 or 900 euros.


What type of car insurance can I take out with an excess?

If you are interested in taking out a car insurance with us and do it with an excess, in order to save on the price of your annual premium, you can do it in our All Risks insurance.


Is it mandatory to carry the insurance receipt in the car?

The answer is no. Since the last legal modification carried out in this regard, it is not mandatory to carry the valid receipt of your car insurance along with the rest of your car’s documents.


What is the legal defense of an insurance?

The legal defense of an insurance policy is a guarantee by which judicial and extrajudicial legal assistance services will be provided as a consequence of the intervention in an administrative, judicial or arbitration proceeding, derived from a traffic accident with the insured vehicle. In addition, it also covers the payment of expenses that the insured may incur because of their participation in such proceedings.


What is the minimum compulsory insurance for a car?

Civil Liability insurance is the minimum compulsory insurance for any car registered with the Traffic Department.


Which first car should you buy to get the cheapest insurance?

The condition of the vehicle and the model influence the price of your first car insurance. Still, you should also take other factors into account.


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