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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


Who covers the costs of changing the name on the vehicle registration?

Caser Car Insurance will take care of all the costs and charges resulting from transfer of the vehicle.


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.


I live in Vigo - what if the perfect car that Car4Car offers me is in Madrid?

Caser will take care of all costs relating to the transfer of the vehicle to where you need it, always keeping you with the status of your car. If you wish to see the car in person before taking ownership of it, however, this will be at your own expense.


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.


I have more than one insurance policy with Caser, can I benefit from the MultiCar discount without taking out a new policy?

Unfortunately not, the offer only applies to new policies.


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.


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