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Owning and driving a Uk car as spanish resident.

Posted: Sat Feb 8, 2020 12:23am
44 replies877 views11 members subscribed
paulsav

paulsav

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Location: Villena

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Has anyone who is a spanish resident owned a Uk vehicle in the Uk and insured it (legally) not as a named driver on a relatives vehicle but in own name either Uk or spanish insurance. Possibly if you still have kept a Uk home on as a 2nd home.Is this possible and can you tax it without any problems.

Regards

Pauline.

PeteKnight

PeteKnight

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Sat Feb 8, 2020 1:01am

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Location: Villamartin

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Posted: Sat Feb 8, 2020 1:01am

It would be illegal for you to drive a UK registered car in Spain, as a Spanish resident, so I would doubt that you’d be able to get a Spanish insurance company to insure it.

I think that most UK insurance companies would require you to be a UK resident, but you may be able to find one that can accommodate you. As a Spanish resident I guess that you’ve either exchanged your UK licence for a Spanish one or are about to do that during the next 12 months - which may also complicate the insurance issue.

It may be easier to transfer the ownership to someone else, and insure it in their name with you as a named driver, but the Spanish residency and licence may also be an issue with that approach.

Pete.

paulsav

paulsav

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Sat Feb 8, 2020 1:19am

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Location: Villena

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Posted: Sat Feb 8, 2020 1:19am

Pete, I,m not looking to drive it in Spain purely Uk use only. Transferring to other owner is not a possibility either. I am aware I could drive a Uk registered car in Spain but the Uk owner must be in the car at same time. However its the owning and driving a Uk car in Uk only as a spanish resident. Seems its very easy to do opposite way round as we own a spanish car on a Uk driving licence as non residents. 

Regards

Pauline.

Stevec61

Stevec61

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Sat Feb 8, 2020 11:56am

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Location: Playa Flamenca

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Posted: Sat Feb 8, 2020 11:56am

Hi Pauline, you say that “ we own a spanish car on a Uk driving licence as non residents.” - if you are non-residents in Spain, then where is your permanent residence? I’m assuming that will be the UK, and you have a UK address, so insuring a UK car, using your UK address, would be fine?

paulsav

paulsav

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Sat Feb 8, 2020 12:53pm

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Posted: Sat Feb 8, 2020 12:53pm

Steve I,m asking because I want spanish residency pre December 2020 (income below post Brexit requirements) but wouldnt have time to refurbish and sell property before that, so as a new spanish resident how can I own and insure a Uk car we already have, as a spanish resident to enable visits back to refurbish home prior to renting it out. This is easy as a Uk resident in Spain owning a spanish vehicle, but not so easy other way round to own and insure in Uk.

Regards

Pauline.

Stevec61

Stevec61

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Sat Feb 8, 2020 1:28pm

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Posted: Sat Feb 8, 2020 1:28pm

Hi Pauline

I was unaware that your query was for yourself having gained residency before December, I interpreted it as you were looking for a solution now - whilst you are still non-resident, so my apologies for that!

I'm sure that somebody else on here can advise you, as there's a wealth of people with a lot of knowledge and understanding of how things work in Spain!

paulsav

paulsav

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Sat Feb 8, 2020 1:53pm

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Posted: Sat Feb 8, 2020 1:53pm

Thats ok Steve, maybe I wasnt clear so hopefully someone else in similar position can give me an answer. I have read some postings where its mentioned "I insure my Uk vehicle in Spain" but that seems weird re an accident perhaps? but certainly first question in Uk insurance is "are you Uk resident" and I want to do things legally. Of course since posting, I realise we could just buy a Spanish van or hire a way to go van each time , meaning we,d have to sell 2cars and a van Uk registered here. Its the last finer details that are becoming obstacles, and really its just to get that longer period to visit and especially the summer months. I still prefer my warmer Uk house in winter(but then we are high alto inland in Spain) all my fault as hubby keeps reminding me!!

Regards

Pauline

PeteKnight

PeteKnight

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Sat Feb 8, 2020 2:24pm

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Location: Villamartin

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Posted: Sat Feb 8, 2020 2:24pm

paulsav wrote on Sat Feb 8, 2020 1:19am:

Pete, I,m not looking to drive it in Spain purely Uk use only. Transferring to other owner is not a possibility either. I am aware I could drive a Uk registered car in Spain but the Uk owner must be in the car at same time. However its the owning and driving a Uk car in Uk only as a spanish resid...

...ent. Seems its very easy to do opposite way round as we own a spanish car on a Uk driving licence as non residents. 

Regards

Pauline.

Hi Pauline, I was aware that you didn’t want to drive a UK registered car in Spain, but was just pointing-out that as this would be illegal it would be very unlikely that a Spanish insurance company would be interested in insuring for this scenario.

As you know, Spanish car insurance works very differently to the UK, and once the transition period is over then the free EU cover won’t be applicable to the UK.

Beware that if you buy a van in Spain then it needs an ITV test twice as often as a car, so if it’s 10+ years old then that will be every 6 months.

Hiring a vehicle in the UK may be the simplest option.

Pete.

paulsav

paulsav

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Sat Feb 8, 2020 2:40pm

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Location: Villena

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Posted: Sat Feb 8, 2020 2:40pm

Yes thanks Pete, that may be the only option to hire a van or pay for company to transport belongings.   Still need to use a car in Uk though. I can only think of driving our spanish car backwards and forwards if there,s no other alternative. I thought transporter companies may have given me some answers, especially as some are using Uk vehicles. If I receive adverse info on inheritance tax(other post) then we may have to stay as non residents. I,m afraid I,m clutching at straws now.

Regards

Pauline. 

Movingon

Movingon

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Sat Feb 8, 2020 3:24pm

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Location: Albatera

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Posted: Sat Feb 8, 2020 3:24pm

A UK registered car kept or driven in UK requires insurance provided by a member of the UK's MIB (Motor Insurance Bureau).

Amongst those you'll be very hard pressed to find one which does not demand UK residency as a prime qualifier.

One or two Spanish insurers claim to be able to insure UK regged cars for use in UK but personally I'd view such claims with deep suspicion and would want independent confirmation before relying on it, a call to the MIB perhaps? 

Currently at least in legal terms which driving licence you hold doesn't matter, including for being a named driver on someone else's insurance, my wife for instance is Spanish resident with a French licence but is a (no cost) named driver on our daughters insurance in UK.

Obviously different companies are at liberty to have differing views on the subject but the point is it's not against any rules so will be a purely internal matter.

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