Zurich Motor GO! Expats — car insurance for foreign nationals in Spain
Technical parameters
Price and term
Price: calculated individually — by vehicle, the driver’s age and licence seniority, place of residence, the modality chosen and the options
Term: annual, renewed automatically
| The four modalities side by side | ||||
| Guarantee | A terceros | A terceros con lunas | A terceros completo | A todo riesgo |
| Civil liability, compulsory and voluntary | yes | yes | yes | yes |
| Travel assistance, essential level | yes | yes | yes | yes |
| Driver accident cover, essential level | yes | yes | yes | yes |
| Legal defence, essential level | yes | yes | yes | yes |
| Free choice of repair shop | yes | yes | yes | yes |
| Glass | — | yes | yes | yes |
| Theft — including personal belongings in the car | — | — | yes | yes |
| Fire | — | — | yes | yes |
| Valued as new — for the first three years | — | — | yes | yes |
| Weather damage | optional | optional | yes | yes |
| Own damage and tyres | — | — | — | yes |
| Total loss | — | — | optional | yes |
| Legal defence, extended level | — | optional | optional | optional |
| Travel assistance, extended level | optional | optional | optional | optional |
| Travel assistance, Plus level | optional | optional | optional | optional |
| Driver accident cover, extended level | optional | optional | optional | optional |
| Allowance if the licence is withdrawn | optional | optional | optional | optional |
| Points recovery course | optional | optional | optional | optional |
| The specific limits | |
| What is covered | How much |
| Towing, essential level | Up to 200 km from the scene |
| Towing, extended level | No mileage limit |
| Towing an electric vehicle | To the nearest working charging point |
| Replacement car or cash instead | €30 + VAT a day, up to 15 days |
| Liability for a minor child driving | Up to €120,000 |
| Liability for trailers and caravans | Under 750 kg |
| Accident: free choice of clinics | Up to €6,000; unlimited for 2 years at the insurer’s own centres |
| Accident: death or loss of mobility | Up to €18,000; up to €12,000 on motorcycles |
| Extended level: death and permanent incapacity | Up to €48,000 |
| Adapting the vehicle after injury | Up to €3,000 |
| Prostheses, glasses, orthopaedics, dental prostheses | Up to €600 |
| Accommodation and meals for a companion | Up to €600 |
| Your own lawyer | Up to €1,500; unlimited with the insurer’s lawyers |
| Your own lawyer, extended level | Up to €6,000 |
| Claims over faulty repairs | For invoices from €300 |
| Points recovery course | Annual limit €500 |
| Advance of a court bond abroad | Part of the essential level |
| Legal defence costs abroad | Part of the essential level |
The make-up of the modalities and the limits come from the Zurich Motor GO! Expats product sheet. Your own limits and excesses are set out in the particular conditions of your policy, which we go through before signing.
Who this policy is for
Zurich Motor GO! Expats is built for people who are not Spanish
nationals. That is not marketing language but a condition of cover: the policy is for
individuals over 25 and for companies of non-Spanish nationality wishing to insure
a vehicle — whether or not they own it.
An ordinary Spanish motor policy will take a foreigner too. But Expats carries what the
ordinary one does not: an advance on a court bond abroad, legal defence costs outside
Spain, and the option of attaching protection for your home to the car policy.
Modular: from the minimum to fully comprehensive
Four steps, from compulsory liability to fully comprehensive, and options can be added
to each. What belongs to each modality is set out in the table. The point is not to pay
for what you do not need: valued-as-new is meaningless on a ten-year-old car and is the
whole point on a new one.
Four things an ordinary policy does not have
- Theft includes personal belongings in the car. Not just the stereo — what was
lying inside. - Valued as new for the first three years on cars and vans. On a total loss or
theft you are paid for a new car, not a used one. - Cash instead of a replacement car. If yours is in the workshop and you do not
need another: €30 plus tax a day, up to fifteen days. - Three levels of assistance, tuned separately for electric and hybrid vehicles.
An electric car is towed to the nearest working charging point, not to a garage.
Home protection inside a car policy
The most unexpected thing in this product. To the motor policy you can add, as an
option, illegal-occupation cover and legal defence for your home — main and second
home — at two levels: essential and extended.
For someone who does not live in Spain all year round, that is precisely the fear they
carry. Being able to close it alongside the car, in one contract and one payment, is worth
knowing about.
What matters to a foreigner and not to a lifelong resident
The essential level of legal defence includes an advance on a court bond abroad
and legal defence costs abroad. If the accident happens outside Spain — routine for
anyone who drives home — the policy works there too.
One more detail for families: liability is covered for a minor child driving, up
to €120,000.
Typical tasks that this policy solves
Agent's opinion I do not show this policy to everyone, only to people in whom three things coincide: no Spanish nationality, over twenty-five, and a car used for more than getting around the island. Where all three hold, it almost always beats an ordinary policy — not on price but on composition.
What usually decides it are two lines the client never asks about. The first is legal defence abroad and the advance on a court bond: an accident in France or Portugal on the way home stops being a personal catastrophe. The second is the option of attaching home occupation cover here. People who spend half the year outside Spain think about that constantly, and here they can settle it in the same contract as the car.
And an honest caveat: under twenty-five this product is not available, and nationality is a condition, not a formality. If you already hold Spanish nationality we price the ordinary Motor GO!, which is also good.