Car insurance for expats in Spain

Our cover and services

An insurance tailored to your needs that adapts to any vehicle thanks to our configuration options.

• Different types of cover

  Cars and drivers are all different, so we adapt to what you need with different cover options:

  
  

  • Third Party. (T)
  • Extended Third Party. (TA)
    
  • Fully Comprehensive. (TR)
  Obligatory and Voluntary Civil Liability

  The protection you need to cover any material and/or personal damage you cause to a third party with your car.
  
  This cover is included in all our plans: Third Party, Extended Third Party and Fully Comprehensive.

  
  

  • Bodily and material damages above the legal minimum required.
  • Bail bonds.
  • Fire damage in garages.
  • Damages caused by you as a cyclist or pedestrian.
  Legal defence and damage claims to third parties

  What if a third party takes you to court or you have to take someone to court? With Reale you will have both your defence and prosecution expenses covered in criminal proceedings arising from a traffic accident involving the insured vehicle.
  
  This cover is always included in all our plans: Third Party, Extended Third Party and Fully Comprehensive.

  
  

  • Solicitors and barristers costs
  Own damage

  Do you want maximum protection for your car? With our comprehensive plan, your car will always look like it just left the factory.
  
  Our comprehensive plan covers all material damage to your vehicle: scratches, dents, etc.

  
  

  • Repair costs.
  • Replacement vehicle.
  • Costs to cover transporting the vehicle to the workshop.
  Windows

  Car windows are very expensive and they are one of the elements most exposed to breakage. At Reale, we advise you to take out this cover so that window repair or replacement is always covered.
  
  This is always covered in the Comprehensive plan and it is an option in the Extended Third Party plan.

• Fire

  What if your car catches fire and you cannot claim off anyone else's insurance? If you take out this cover within our Extended Third Party plan, you will not have to worry about anything.
  
  It is also included in the Comprehensive plan. We cover any damage to your car caused by fire.

  
  

  • Damage due to fire, explosion.
  • Fire-fighter and rescue service costs.
  • Replacement vehicle (if declared a write-off).
  Theft and damage due to theft

  What if your car gets stolen? We are here to help you with everything you need in this type of situation.
  
  This cover is always included in the Comprehensive plan and you can select it as an option in the Extended Third Party plan.

  
  

  • Compensation for the theft of your vehicle.
  • Repair of parts damaged in an attempt to steal your vehicle.
  • Replacement of stolen car parts.
  • Recovery expenses if your car is stolen.
  • Vehicle replacement until payment of compensation or recovery.
  Managing fines and driving licence withdrawals

  What to do if you get fined or disqualified from driving? With Reale, you will have everything you need to be able to settle any traffic sanctions and, should you be disqualified from driving, we will pay for the course you have to take before recovering your licence.
  
  Fine management cover is included in all our insurance plans and disqualification cover is optional in the extended third party and comprehensive plans.

  
  

  • Expenses for managing fines
  • Course and exam to recover your licence or points.
  • Compensation for disqualification from driving.
    
  Travel assistance

  We are by your side on all your journeys. Our Travel Assistance cover not only protects your vehicle, but also you as a driver, the passengers and your luggage (even if you are not travelling by car).

  
  

  • Technical assistance on the road, towing, rescue and parts shipment.
  • Professional driver should the insured driver not be able to drive.
  • Alternative means of transport in case of breakdown or accident.
  • Sending keys.
  • Transportation or repatriation of injured, sick or deceased travellers and other passengers.
  • Travel expenses for a relative if the policy holder is hospitalised.
  • Medical and health assistance including shipment of medicines.
  • Hotel expenses in case of illness.
  • Expenses due to early return.
  • Search and delivery of lost luggage and compensation for delay.
  • Telephone medical advice. ​
  • Advance of funds abroad.​
  Driver's accident insurance

  At Reale, we want you to drive with the peace of mind of always being protected. That is why this guarantee comes with all our insurance plans: Third Party, Extended Third Party and Fully Comprehensive. This will protect you in the following situations:

  
  

  • Compensation in case of death.
  • Compensation in case of Permanent Disability.
  • Healthcare assistance. We cover medical, surgical, hospital and pharmaceutical expenses.
  • Accommodation and expenses for a companion if the policy holder is hospitalised.
  • Cosmetic surgery and prosthesis.