If you’re an expat living in Spain and considering getting a motorbike or scooter, understanding the importance of motorbike insurance is crucial. Whether you’re commuting on a 50cc or 120cc scooter, insurance isn’t just a legal requirement – it’s essential protection against theft, accidents, and damages.
In Spain, third-party liability insurance (Seguro a Terceros) is mandatory for all vehicles, including motorbikes and scooters. This covers any damages or injuries caused to others in an accident. Without insurance, you face hefty fines and legal consequences.
However, there’s more to consider than just complying with the law. Motorbikes, especially smaller scooters, are highly targeted by thieves due to their size and mobility, making it even more vital to have insurance.
There are several types of insurance coverage for motorbikes in Spain, but the most common for smaller bikes, such as 50cc and 120cc scooters, are:
Insurance companies in Spain are cautious when it comes to covering smaller bikes like 50cc and 120cc scooters. These models are highly prone to theft, particularly in cities. As a result, insurers often limit their offerings to third-party cover only, avoiding the risk associated with theft and costly claims. Comprehensive cover, while available for larger or less common models, is rare for these smaller bikes.
Given the high risk of theft, especially in urban areas, it’s important to take steps to protect your bike:
Having motorbike insurance in Spain is not just about meeting legal requirements; it’s about protecting yourself and your investment. While theft rates make it challenging to get comprehensive cover for smaller scooters, taking steps to secure your bike can reduce the risk and give you peace of mind.
Contact us now at Sam Campbell Insurance and let us find the right cover for your scooter or bike.