Spain is a nation of riders — and a country where motorbike insurance prices vary spectacularly. For the same bike and the same profile, the consumer association OCU found quotes from €114 to €686 for terceros ampliado and from €295 to €1,522 for todo riesgo. The market is open, comparison sites rule and there is no statutory bonus-malus. Here is how to read a Spanish policy, whether you live there, are buying a bike there or want to understand what a Spanish seller means by "seguro a todo riesgo".
The legal framework: compulsory and voluntary cover
In Spain, insurance rests on two layers that are usually sold together:
- seguro obligatorio (SOA), covering third-party liability up to the legal amounts: €70 million for personal injury and €15 million for property damage per claim, far above the EU minimum;
- responsabilidad civil voluntaria, which tops up beyond that (OCU cites policies extending cover up to €50 million for some items). It is included in almost every commercial product.
The reference text (Royal Legislative Decree 8/2004) was amended by Ley 5/2025 of 24 July 2025, which transposes EU Directive 2021/2118. For a rider, the notable changes are a broader definition of a "traffic event" (some accidents in private garages or car parks), a clarified reasoned offer procedure (oferta motivada) to speed up compensation, and stronger protection if the insurer goes bust. The same law made insurance compulsory for light personal vehicles (e-scooters) from 2 January 2026.
The three cover levels
| Cover | Usual content | For which bike |
|---|---|---|
| Terceros (basic) | Compulsory + voluntary liability, legal defence, often breakdown and rider injury cover | Old or low-value bike |
| Terceros ampliado | Terceros + theft, fire, often glass/lights, sometimes kit | Mid-value bike parked outside |
| Todo riesgo | Terceros ampliado + own damage, very often with an excess | Recent or high-value bike |
Terceros ampliado has no legal definition: each insurer puts in what it likes. Depending on the policy, theft may be total only (bike gone) or partial too (parts stolen), fire may exclude vandalism, and "lunas" (lights, screen) are not always included. OCU also considers todo riesgo rarely worthwhile on a bike over four years old.
Todo riesgo is almost always sold con franquicia (with an excess): €150, €300, €600 or a percentage of the value. It applies to own damage, not liability. For what full cover really excludes, the logic is the same as in France: see what comprehensive motorbike insurance covers.
The insurers
| Insurer | What is documented |
|---|---|
| Mapfre | Major Spanish insurance group; terceros, terceros ampliado, todo riesgo; rider injury cover included; helmet and clothing payout (per comparison-site listings); dedicated classic bike policy |
| Mutua Madrileña | Mutual; terceros básico, terceros plus (theft and fire, new-for-old in year one on total loss), todo riesgo |
| Línea Directa | Direct insurer; terceros, terceros with theft and fire, todo riesgo with excess; kit cover capped per item |
| Pelayo | Mutual; terceros básico and terceros with theft and fire; breakdown from kilometre 0, courtesy vehicle depending on cover |
| AMV (AMV Hispania) | French-born two-wheeler specialist broker (Assurance Moto Verte, 1974), in Spain for over ten years; pick-and-mix covers |
| Mutua MMT Seguros | Mutual founded in 1932, specialising in cars and bikes |
The kit limits quoted by comparison sites (for instance a helmet cap of a few hundred euros) change from year to year: always check the condicionado (general and specific terms) before signing.
The big Spanish comparison sites — Rastreator, Kelisto, Acierto — cover bikes. Kelisto publishes a monthly ranking of the cheapest terceros policies for a sample profile: handy to spot price-aggressive insurers, meaningless for your own quote.
No statutory bonus-malus, but a shared history
Unlike France, Italy or the UK's NCB culture, Spain has no bonus-malus scale set by law. Each insurer applies its own discount grid. However, your claims history is shared between insurers through industry databases (run by TIREA), and you are entitled to a certificado de siniestralidad (claims record) from your insurer — ask for it when you leave.
Consequences:
- a "10 years claim-free" discount does not move automatically from one insurer to another; show your certificate;
- a foreign record (UK no claims letter, French or German record…) may be accepted by some insurers — negotiate it;
- your car history is not always taken into account for the bike.
