Van Insurance

Do You Need Van Insurance In Spain?

Abbeygate is an insurance company that offers comprehensive insurance for both private and commercial vans in Spain. Our policies are designed to provide you with the cover you need at a price you can afford.

We understand that your van is an important part of your life – it’s how you get around and make a living. That’s why we offer a wide range of cover options, so you can find the policy that’s right for you.

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Business or Private Van Insurance?

When it comes to business and commercial vehicle insurance in Spain, there are a few things you should know. Because van policies can be broken down into different categories, knowing which category your van falls under is important for having the correct cover in Spain.

Van Insurance in Spain consists of both private insurance and business insurance. For example, sports and hobby enthusiasts who need to transport their kit as well as attend social events like trade shows, can take out private van insurance which can be fully comprehensive van insurance or as a minimum Third-Party Insurance.

People who drive commercial vehicles to and from their place of business, as well as transport items to sell, are among those that need commercial van insurance as a legal requirement.

This may be interpreted as:

• Haulage cover for long-distance deliveries, which is generally made up of one trip at a time
• Courier Cover which is used for deliveries to multiple places which can include food, domestic and moving home
• Carriage of Own Goods which is commonly used by tradesmen and professionals who must carry their own tools to work

For commercial and car insurance in Spain, there are some things to keep in mind. The three main types of insurance in Spain are third party only, third party fire and theft, and fully comprehensive.

The cheapest and simplest type of insurance coverage is third-party van insurance or car insurance known as a TPO, which will pay out if you damage someone else's property or injure someone while driving. It’s illegal to drive in Spain without a minimum level of insurance like TPO.

Third Party Liability Fire and Theft van or car insurance covers your vehicle if it is stolen or damaged by a fire. It also covers you for damage to someone else's property or injury to someone whilst driving in Spain. You may also be covered for windscreen damage.

Fully comprehensive commercial vehicle insurance is the highest insurance policy available and will pay out for damage to your own van, damage, or injury you cause to others while driving and includes breakdown cover.

With Carriage of Own Goods which is commonly used by tradesmen with small private vans who carry their own tools to work will need to check that contents is also covered within the comprehensive cover. If not, you will need to take out content’s insurance cover as well as business vehicle insurance.

All commercial use vehicles that have add ons such as lifting ramps and tipping bodies will have different policy terms.

As a bonus when you take out insurance for business and commercial purposes European cover and roadside assistance is included, so you won't have any issues with driving back to the UK with an insured vehicle from Abbeygate Insurance.

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