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Motorhome insurance in Spain

Posted: Wed Jul 21, 2021 9:45pm
8 replies122 views4 members subscribed
rds1234

Posts: 155

17 helpful points

Location: Villamartin

Joined: 16 Feb 2021

I think I’ve asked this before but lost all answers.

My partner want to park her motorhome at my house here in Spain to  save driving down and just fly down then we can go touring from here.

Question can she insure it here in Spain without putting on Spanish plates I’ve asked different people but no real answers.

Have you done it with vehicle. Thank you.

Kelvin1960

Posted: Thu Jul 22, 2021 12:59am

Kelvin1960

Super helpful member

Posts: 1272

1473 helpful points

Joined: 5 Mar 2017

Posted: Thu Jul 22, 2021 12:59am

We insured two UK cars in Spain (before transferring them to Spanish plates).

But if the vehicle remains on UK plates, it can only stay in Spain for a limited time

- it needs to go home for annual MOTs

- if the owner has Spanish Residency, he/she must re-register the vehicle in Spain

- Spanish Residents (with Spanish driving licences) cannot drive UK-plated vehicles in Spain.

rds1234

Posted: Thu Jul 22, 2021 7:01am

rds1234

Original Poster

Posts: 155

17 helpful points

Location: Villamartin

Joined: 16 Feb 2021

Posted: Thu Jul 22, 2021 7:01am

Kelvin1960 wrote on Thu Jul 22, 2021 12:59am:

We insured two UK cars in Spain (before transferring them to Spanish plates).

But if the vehicle remains on UK plates, it can only stay in Spain for a limited time

- it needs to go home for annual MOTs

- if the owner has Spanish Residency, he/she must re-register the vehicle in Spain

- Spanish Residents (with Spanish driving licences) cannot drive UK-plated vehicles in Spain.

Thank you it will go back for MOT, the owner lives in the UK and as a UK driving license I thought you could drive any county registered vehicle with Spanish driving license.

paulsav

Posted: Thu Jul 22, 2021 10:28am

paulsav

Very helpful member

Posts: 952

693 helpful points

Location: Villena

Joined: 4 Dec 2015

Posted: Thu Jul 22, 2021 10:28am

Hi, as you have said the owner is a UK resident, then a Spanish resident can drive the UK vehicle providing the UK resident is in the vehicle at the time and has given permission to drive it. Try Liberty Seguros for the insurance, have read of Uk vehicles being insured by them. Although it has been said on here the vehicle can only be in Spain upto 6months, I read an interesting post that said there was no law stating that and could be in Spain upto 12 months until Mot is renewed obviously in the UK. The vehicle has to be maintained legal at all times. Btw, my neighbour has lived in Spain as Spanish resident for 16yrs, keeping his English licence, stating many times he,s a non resident to police with his UK car only going back 1time for mot per year and got away with it, now sold house and returning to Uk. Just shows you how some people disregard the rules. 

Regards 

Pauline 

PeterPan

Posted: Thu Jul 22, 2021 11:14am

PeterPan

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Posts: 66

55 helpful points

Location: Almoradí

Joined: 1 Aug 2020

Posted: Thu Jul 22, 2021 11:14am

rds1234 wrote on Thu Jul 22, 2021 7:01am:

Thank you it will go back for MOT, the owner lives in the UK and as a UK driving license I thought you could drive any county registered vehicle with Spanish driving license.

You are allowed to drive the UK registered vehicle as a Spanish resident, with a Spanish driving licence, as long as;

(1) You don't own it

(2) You have permission from the owner (there's a form from the N332 that the owner can fill out and keep in the car)

(3) The vehicle is insured for you (Spanish insurance usually covers any driver over 25)

(4) Your licence allows you to drive that class of vehicle.

BTW The owner doesn't have to be in the vehicle with you and if you get pulled over for any problem with the vehicle, no tax, mot etc, you will not be liable. Only the owner will be liable, although the vehicle could be impounded.

rds1234

Posted: Thu Jul 22, 2021 12:36pm

rds1234

Original Poster

Posts: 155

17 helpful points

Location: Villamartin

Joined: 16 Feb 2021

Posted: Thu Jul 22, 2021 12:36pm

PeterPan wrote on Thu Jul 22, 2021 11:14am:

You are allowed to drive the UK registered vehicle as a Spanish resident, with a Spanish driving licence, as long as;

(1) You don't own it

(2) You have permission from the owner (there's a form from the N332 that the owner can fill out and keep in the car)

(3) The vehicle is insured for you (Spanish insurance usually covers any driver over 25)

(4) Your licence allows you to drive that class of vehicle.

BTW The owner doesn't have to be in the vehicle with you and if you get pulled over for any problem with the vehicle, no tax, mot etc, you will not be liable. Only the owner will be liable, although the vehicle could be impounded.

Thank you,

I don’t own it the owner lives in the UK, I have permission to drive it I’ll fill in the form, it will be insured with a Spanish insurance company and they are happy for me to drive with a Spanish license, the motorhome is always tax and MOT.

Kelvin1960

Posted: Thu Jul 22, 2021 4:42pm

Kelvin1960

Super helpful member

Posts: 1272

1473 helpful points

Joined: 5 Mar 2017

Posted: Thu Jul 22, 2021 4:42pm

PeterPan wrote on Thu Jul 22, 2021 11:14am:

You are allowed to drive the UK registered vehicle as a Spanish resident, with a Spanish driving licence, as long as;

(1) You don't own it

(2) You have permission from the owner (there's a form from the N332 that the owner can fill out and keep in the car)

(3) The vehicle is insured for you (Spanish insurance usually covers any driver over 25)

(4) Your licence allows you to drive that class of vehicle.

BTW The owner doesn't have to be in the vehicle with you and if you get pulled over for any problem with the vehicle, no tax, mot etc, you will not be liable. Only the owner will be liable, although the vehicle could be impounded.

That is helpful. Where do you derive the rule that a Spanish Resident holding a Spanish licence can drive a UK car (provided that it belongs to someone else) ?   That would be helpful for me ....

The "permission to use" form doesn't address that point.

PeterPan

Posted: Thu Jul 22, 2021 8:08pm

PeterPan

Helpful member

Posts: 66

55 helpful points

Location: Almoradí

Joined: 1 Aug 2020

Posted: Thu Jul 22, 2021 8:08pm

Kelvin1960 wrote on Thu Jul 22, 2021 4:42pm:

That is helpful. Where do you derive the rule that a Spanish Resident holding a Spanish licence can drive a UK car (provided that it belongs to someone else) ?   That would be helpful for me ....

The "permission to use" form doesn't address that point.

In our area there are a voluntary group of traffic police that assist UK, and other English speaking drivers by producing information on Facebook.

Their Facebook page is at https://www.facebook.com/DrivingSpain

The specific answer to that query is at https://www.facebook.com/DrivingSpain/posts/n332-answercan-a-spanish-resident-drive-a-uk-registered-car-in-spain-or-has-the-/1199782166875800/

for anyone without FB....

" N332 - ANSWER"Can a Spanish resident drive a UK registered car in Spain? Or has the owner been with him. ? Of course, you can drive or ride a vehicle registered in another country.People mix concepts, between having a vehicle and driving someone else's vehicle.-Law states your vehicle should be registered and taxed in the country where you have your normal residence. So in this case, there is no doubt. Once you become resident you must begin the process.- If someone comes on holiday to Spain with his vehicle, you can drive it and you don't need him to go with you.On these cases, we always advice to have written permission from the owner together with a photocopy of his ID, which is not compulsory but you will save time and questions if you are stopped by the Police.Special Taxes Law regulates that Officers will act against those residents driving their vehicles registered in other countries, but there are no administrative offences for those residents driving these vehicles from other people, even if the owner is resident in Spain because it is not their responsibility to legalize the situation of the vehicle.Police could remove the vehicle until the owner legalizes the situation, giving him a fine, but not for the driver unless this is the owner.Drivers are not responsible if the vehicle is untaxed, uninsured, MOT expired or registered in another country breaking the Special Tax Law. It is the sole responsibility of the owner, so you don´t have to be afraid of driving your friend´s vehicle registered in his home country.Has this point been clarified?"

HTH

Kelvin1960

Posted: Fri Jul 23, 2021 12:11am

Kelvin1960

Super helpful member

Posts: 1272

1473 helpful points

Joined: 5 Mar 2017

Posted: Fri Jul 23, 2021 12:11am

PeterPan wrote on Thu Jul 22, 2021 8:08pm:

In our area there are a voluntary group of traffic police that assist UK, and other English speaking drivers by producing information on Facebook.

Their Facebook page is at https://www.facebook.com/DrivingSpain

The specific answer to that query is at https://www.facebook.com/DrivingSpain/posts/n332-answercan-a-spanish-resident-drive-a-uk-registered-car-in-spain-or-has-the-/1199782166875800/

for anyone without FB....

" N332 - ANSWER"Can a Spanish resident drive a UK registered car in Spain? Or has the owner been with him. ? Of course, you can drive or ride a vehicle registered in another country.People mix concepts, between having a vehicle and driving someone else's vehicle.-Law states your vehicle should be registered and taxed in the country where you have your normal residence. So in this case, there is no doubt. Once you become resident you must begin the process.- If someone comes on holiday to Spain with his vehicle, you can drive it and you don't need him to go with you.On these cases, we always advice to have written permission from the owner together with a photocopy of his ID, which is not compulsory but you will save time and questions if you are stopped by the Police.Special Taxes Law regulates that Officers will act against those residents driving their vehicles registered in other countries, but there are no administrative offences for those residents driving these vehicles from other people, even if the owner is resident in Spain because it is not their responsibility to legalize the situation of the vehicle.Police could remove the vehicle until the owner legalizes the situation, giving him a fine, but not for the driver unless this is the owner.Drivers are not responsible if the vehicle is untaxed, uninsured, MOT expired or registered in another country breaking the Special Tax Law. It is the sole responsibility of the owner, so you don´t have to be afraid of driving your friend´s vehicle registered in his home country.Has this point been clarified?"

HTH

Thx. Interesting.

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