Answer:
Coverage abroad varies by policy—here’s what each covers and where.
The general rule:
All Spanish car insurance policies cover mandatory liability throughout the European Union and the European Economic Area (Norway, Iceland, Liechtenstein). Also, Switzerland, Andorra, and the United Kingdom (with certain conditions).
To understand why this matters, consider:
If you cause an accident in France, your insurance pays for damage to other cars and people. It is required by law.
But what if your own car is damaged in the accident?
Here’s the difference. It depends on your insurance type.
- Basic third-party: Liability only. Damage to your own car is NOT covered.
- Third-party plus: Liability + some extras like theft, fire, or windshield (check your policy).
- Comprehensive: Liability and damage to your own car (same as Spain).
Now, what if your trip takes you beyond Europe?
Things change. In Morocco, Tunisia, Turkey, or Egypt, your Spanish insurance does not cover you. You need border insurance or an international Green Card.
What is the Green Card?
A Green Card proves your insurance meets minimum foreign requirements. Some insurers provide it free; others charge €10-30 per trip. Without it, you risk fines or your car being impounded.
Countries requiring a mandatory Green Card:
Turkey, Tunisia, Morocco, Egypt, Albania, Bosnia, Serbia, Ukraine, Russia, Iran.
Next, let’s look at what your insurance typically excludes abroad:
- Limited roadside assistance. Many policies cover towing only in Spain. Abroad, you pay.
- Replacement car. Unless you have a very comprehensive policy, you won’t get one outside Spain.
- Translation of forms and documents is not covered. If you don’t speak the language, that is your problem.
Our recommendation before traveling:
1. Call your insurer and ask:
- “Do I have coverage in [country]?”
- “Do I need a Green Card?”
- “What do I do if I have an accident there?”
2. Keep documentation in your car:
- Full insurance policy (not just the card)
- Accident report form (in English or the local language)
- 24/7 assistance phone number (save it on your phone)
Consider supplementary travel insurance.
For €20-40, you can buy travel insurance that covers roadside assistance, towing, and a replacement car abroad.
If traveling to Morocco or Turkey, buy border insurance at customs.
It costs about €30-50 for 15 days. It’s not optional. They will ask for it.
