Why take out this insurance?
Benefits of our car insurance in Spain.

What if, in addition to everything you expect from your insurance, it offered you much more at no extra cost? At Reale we want to make you feel special, so as well as speaking your language, you can enjoy these benefits without having to pay more for them.

Temporay insurance: We do not offer temporary insurance. Ourpolicies are annual with an option to pay in instalments

Forenign registrations: To be able to insure your vehicle, it must be registered in Spain or have a provisional registration plate

The advantages of Reale car insurance for expats 
Best coverages of our car insurance for expats

Learn about
our star covers

  • No-claims bonus: We respect the no-claims bonus from your country.
  • Replacement vehicle: In case of breakdown, accident or theft
  • Accessories: We cover up to €12,000 in factory accessories, without you having to declare them.
  • Valuation in the event of an accident: We value your car as new for the first 3 years and in the 4th, we apply a 30% improvement on the valuation.
  • Fully Comprehensive: We provide fully comprehensive insurance for your car even if it is not new, as long as it is less than 15 years old.

Our coverand 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 coveroptions:

    • 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 coveris 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.

    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 coveris included in all our insurance plans and disqualification coveris 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 covernot 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.


Download the documentation
We speak your language

What do our customers think?

An expatriate client’s verified thoughts on Reale’s insurance services 

I couldn't recommend this company enough! I have been a client with Reale for 9+ years and throughout this whole time they have been nothing but helpful. I recently had an accident and this company was very efficient in their work and helped me with all my needs. The employees are very helpful and easy to talk with. I will continue to use this company for many years to come.

April Cox - ENGLAND

An expatriate client’s verified thoughts on Reale’s insurance services 

Dear Jonathan,
Thank you for your prompt reply and excelllent service.
I'll not hesitate to contract again an insurance with Reale in the future.
Very best regards.

Marieke Dijkhuis - NETHERLANDS

An expatriate client’s verified thoughts on Reale’s insurance services 

When I move house again I will definitely use Reale.
Things like these make a company great and committed to its customers.
Thank you.

Maximiliano Pérez - ITALY
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About us

Specialists in caring for people like you.

What if your insurers could really relate to your problems? Our advisers and agents are people who, like you, one day decided to come and live in Spain. That is why we can anticipate your problems and offer you the best solution.Our job is to be on hand, to advise you and make your life easier.

All the advantages of taking out your insurance with Reale Seguros.

We are an insurance group with 190 years' experience behind us and over 4 million policy holders in Spain.

  • Specialist advice
    Specialist advice

    Our professionals understand your problems because, like you, one day they decided to come and live in Spain.

  • Fast service
    Fast service

    If we fail to meet our commitments, we will refund your money.

  • We speak your language
    We speak your language

    We want you to feel at home knowing that language is not a barrier when you communicate with us.

  • Special Conditions
    Special Conditions

    We want you to feel at home, so we offer you special conditions when you take out your insurance with us.

  • Easy to contract
    Easy to contract

    Leave us your details and we will get back to you by phone, online or at your nearest insurance branch.

  • Payment plan
    Payment plan

    Choose how to pay for your insurance: quarterly, six-monthly or annually.