Answer your questions on Car Insurance

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.

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

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.

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.

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.

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.

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.

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.

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.

You can report an incident in several ways:

• Call us on 902 35 20 35.

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.

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.

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.

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.

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.

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

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.

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.

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

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.

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

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.

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.

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.

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

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).

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.

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.

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.

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.

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.

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

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.

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.

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.

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

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.

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.

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.

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.

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.

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.

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.

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.

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

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.

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.

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.

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.

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

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.

To purchase your car insurance, in compliance with auto insurance regulations, we will only need you to provide your ID card (DNI or NIE) and your driver’s license.

Your car insurance policy is always valid for one year, allowing you the freedom every 12 months to make any changes you deem necessary to your policy.

Electric scooters are not generally considered motor vehicles, so most do not require registration. However, there is a legal gray area that often causes confusion among users.

The most appropriate approach when purchasing car insurance is to ensure that it covers all possible situations that may arise in the event of an accident, providing protection tailored to your needs. For this reason, at Caser Insurance, we recommend that you notify us of the possible existence of a second or occasional driver.