The Regulation for the Compulsory Civil Liability Insurance obliges the insurance companies that reject or do not accept to contract the compulsory insurance to inform the interested party by any means accepted by law (Article 5.2 of the Regulation for the compulsory civil liability insurance in motor vehicles, approved by the Royal Decree 1507/2008, of the 12th of September, O.S.G. of the 13th of September, 2008).

Yes. An insurance broker is an independent mediator for the companies and he or she acts as an expert advisor for the insured party in the search for the insurance policies that best meet his or her requirements. It should be understood that, during this work in the search for motor vehicle insurance for his client, the broker has received rejection replies from insurance companies in his condition as representative of the rejected client.

No. The receipt must be paid in a single payment at any office of the BBVA or of the Banco Santander, from 9 am to 11.30 am, from Monday to Friday, within the period of 15 natural days from the date of the contracting of the policy and when the insurance has been contracted electronically, the premium will be paid using a bank card during the contracting process.

In general, you can do it, whenever it is a Spanish vehicle and the driver has the regulation age to drive the vehicle to be insured in Spain.

If you are a citizen of the European Union you can contract the insurance with the driving licence issued in your country, whenever this permit authorises you to drive the type of vehicle for which you are going to contract the insurance and it is valid.

If you are not a citizen of the European Union, an international driving licence, authorising you to drive this type of vehicle will be sufficient.

If you are not a citizen of the European Union and you have a driving licence from your own country and you are not going to reside in Spain for more than six months, the licence from your country will be valid. In the case of residing for more than six months in Spain, the licence from your country will not be valid once these first six months of residency have passed and you should obtain a Spanish driving licence.

Yes, you must indicate the names of at least two insurance companies that have not accepted the risk you wish to contract and that have informed you of this rejection using any means admitted by law.

Yes, as the insurance agent is a mediator AFFECTED or LINKED to the Insurance Company. The insurance agent must issue the rejection communication, expressly mentioning the insurance company where he or she works as an insurance agent and the number with which the agent is registered in the aforementioned company.

This insurance DOES NOT COVER THE INJURIES THAT THE DRIVER MIGHT SUFFER (article 5.1 of the Law on Civil Liability and Insurance for Motor Vehicles).

The insurance DOES NOT COVER THE MATERIAL DAMAGES CAUSED TO THE OWN VEHICLE OR TO THE ITEMS TRANSPORTED IN IT, NOR THE THEFT OF THE VEHICLE (article 5.2 of the abovementioned Law).

As it must be limited by Law to the cover for civil liability, this insurance DOES NOT INCLUDE other covers, such as CLAIM FOR DAMAGES, LEGAL DEFENCE, TRAVEL ASSISTANCE, etc.

The documentation corresponding to the Contract, that is to say, the General Conditions, the Particular Conditions, two copies of the "traffic accident report by mutual consent" form and an information sheet that summaries the characteristics of the insurance policy that you have contracted, will be sent by post to your home address immediately after you have paid the receipt.

When the insurance has been contracted electronically, the Premium will be paid using a bank card using the safe server belonging to the Banco Santander S.A. and once the transaction has been accepted, a confirmation screen will appear for the contract made, in such a way that the user can print and/or save in PDF format the files with the documentation of the contracted policy.

In accordance with the legislation in force (article of the Regulation for Compulsory Civil Liability Insurance and Driving insurance for motor vehicles, RD. 1507/2008), the validity of the compulsory insurance will be confirmed by the agents of authority by consulting the Insured Vehicles Database.

Failing this, the validity of the insurance will be accredited by the receipt for the payment of the premium for the period in progress, whenever it contains, at least, the identification of the insurance company, the vehicle registration number, the cover period and indication of the compulsory insurance cover.

Therefore, we recommend that, in order to make the receipt arrive as fast as possible, you indicate the means by which you prefer it to be sent (fax, email, etc.) and that, once you receive it, you should pay it immediately at the BBVA or at the Banco Santander, given that with the receipt stamped by this Bank, you have the document that justifies the existence and validity of your insurance.

No. In accordance with the legislation in force for driving, the driver is obliged to carry the valid licence or permit to be shown when they are requested by any agent of authority who might request it.