Motorhome Insurance in Spain Made Simple
Whether you live full-time in your vehicle, or you’re exploring Spain during holidays, having the right motorhome insurance in Spain is key. Viva Finance helps residents and expats compare trusted insurers, customize cover for your motorhome, camper or RV and receive bilingual assistance — so you travel and park with full peace of mind.
Motorhome Insurance Coverages and Options in Spain
Choose the coverage that best suits you
Compare the main motorhome insurance coverages and options available in Spain and choose the level of protection that best fits your vehicle and travel needs.
Third-party
This is the minimum legal requirement in Spain. It covers damage you cause to other people and their property, including injuries and damage to other vehicles or objects, but it does not cover damage to your own motorhome if you are at fault.
- Compulsory + voluntary civil liability
- Windscreen breakage
- Travel support from the first kilometre
Extended Third-party
Includes everything in the basic third-party policy, plus extra protection such as theft, fire, windscreen damage and roadside assistance. It is a good option for motorhomes that are a few years old but still need broader cover.
- Theft and damage due to theft
- Damage due to fire
- Damage caused by animal collisions
Comprehensive
This is the most complete policy. It includes damage to your own motorhome, even if the accident was your fault. It is usually the preferred option for newer or higher-value vehicles and can often be taken with or without an excess.
- Own damage repair guarantee
- Processing of fines and appeals
- Excellent workshops with premium services
Motorhome & Campervan insurance coverages
| Coverage | Third-party | Extended Third-party | Comprehensive |
|---|---|---|---|
| Compulsory and Voluntary civil liability |
✔ | ✔ | ✔ |
| Claim for damages and advance of compensation |
✔ | ✔ | ✔ |
| Driver accidental bodily injury |
✔ | ✔ | ✔ |
| Roadside and travel assistance 24 hours a day |
✔ | ✔ | ✔ |
| Suspension of driving licence and loss of points |
✔ | ✔ | ✔ |
| Windscreen breakage |
✔ | ✔ | ✔ |
| Loan interests | ✔ | ✔ | ✔ |
| Courtesy car | ✔ | ✔ | ✔ |
| Extraordinary phenomena (Consortium) |
✔ | ✔ | ✔ |
| Damage due to fire | — | ✔ | ✔ |
| Theft and damage due to theft |
— | ✔ | ✔ |
| Natural phenomena | — | ✔ | ✔ |
| Damage caused by animal collisions |
— | ✔ | ✔ |
| Own damage repair guarantee |
— | — | ✔ |
Explore our full insurance in Spain portfolio for other types of cover.
Combine your motorhome with home or vehicle insurance — see our car insurance in Spain page for options.
Frequently Asked Questions: Car Insurance
How much does motorhome insurance cost?
The price of motorhome insurance may depend on the following factors:
- Age of the main driver
- Whether the policy will have more than one driver
- The number of years of driving license of the policyholder
- Whether or not there have been traffic accidents
- The type of insurance for motorhomes that you choose. The characteristics: make, model, age, etc. of the motorhome
As you can see, many factors affect when calculating the price of your motorhome insurance. The best thing to do is to put yourself in the expert hands of our advisors so that they can resolve all your doubts and advise you on which insurance policy to choose.
Can I travel outside of Spain with my motorhome?
Of course! Motorhome offers you the best and most complete insurance policies. With our policies, you will be able to travel in the following regions without the need for any formalities, apart from downloading the Green Card in your Private Area. Log in, download it and start planning your trip:
All countries in the European Economic Area: Belgium, Croatia, Denmark, Germany, Spain, France, Ireland, Latvia, Luxembourg, Netherlands, United Kingdom*, Sweden, Bulgaria, Slovakia, Estonia, Greece, Malta, Poland, Czech Republic, Austria, Cyprus, Slovenia, Finland, Hungary, Italy, Lithuania, Portugal and Romania.
- Vatican City
- Monaco
- San Marino
- Gibraltar
All other signatory countries of the Green Card Convention are also included. If you would like us to calculate the price of your motorhome insurance, please contact one of our expert advisors. Leave us your details and we will call you back with no obligation.
Is Insurance for motorhomes compulsory?
As with other vehicles such as cars or motorbikes, insurance for motorhomes is compulsory for anyone who owns one. Any vehicle on the road that may, at some point, cause damage to third parties must be insured.
Even if you have your motorhome or campervan parked in a car park permanently or for long periods, it is also compulsory to take out insurance, as even when parked, a motorhome can overturn, causing damage to vehicles parked nearby, or even have an electrical fault, catch fire and cause damage to the property it is on.
In short, if you own a motorhome you will need to take out insurance to be to be in order with the law.
What documentation do I need for my motorhome insurance?
To insure your car, a questionnaire must be answered with the following information; such as the exact model of the car, the registration date, the driver’s license issue date, the policy number of the previous insurance (if you transfer from another company) or the bank account number from which the premiums can be directly deposited. It is therefore recommended that you have the following documentation in hand:
- Driver’s license
- The vehicle registration document
- Documentation from your previous insurance
- A receipt from the bank and/or your credit card, for bill payments