{"id":15675,"date":"2026-10-21T12:31:07","date_gmt":"2026-10-21T12:31:07","guid":{"rendered":"https:\/\/autosreina.es\/used-car-insurance-what-to-choose\/"},"modified":"2026-10-21T12:31:07","modified_gmt":"2026-10-21T12:31:07","slug":"used-car-insurance-what-to-choose","status":"publish","type":"post","link":"https:\/\/autosreina.es\/en\/used-car-insurance-what-to-choose\/","title":{"rendered":"Insurance for a used car: third party or fully comprehensive"},"content":{"rendered":"<p>Before you drive your used car away you need valid insurance: the law requires at least third-party liability cover. Beyond that minimum, the best option depends on the age of the car, its value and how much you will use it.<\/p>\n<h2>Basic third-party insurance<\/h2>\n<p>It is the compulsory minimum. It covers damage you cause to other people and vehicles, but not damage to your own car. It can suit very old or low-value cars.<\/p>\n<h2>Third party extended<\/h2>\n<p>It adds cover on top of the minimum, which depending on the policy may include theft, fire, glass, roadside assistance or legal defence. The specific cover varies a lot between insurers, so read the conditions.<\/p>\n<h2>Fully comprehensive, with or without excess<\/h2>\n<p>It also covers damage to your own car, even if you are at fault. Comprehensive cover with an excess usually has a lower premium, but in the event of a claim you pay a fixed amount. For a relatively recent or high-value car it is usually the most complete option.<\/p>\n<h2>What to consider when choosing<\/h2>\n<ul>\n<li>The value of the car: if a repair can cost more than is reasonable, consider more cover.<\/li>\n<li>Use: driving to work every day is not the same as occasional use.<\/li>\n<li>Where it is parked: in a garage or on the street.<\/li>\n<li>Your record as a driver.<\/li>\n<li>Roadside assistance and a replacement car.<\/li>\n<\/ul>\n<h2>How to compare policies<\/h2>\n<p>Ask for several quotes with the same cover so you can compare them. Look at the excess, the exclusions, the value paid in the event of a total loss and the services included. Do not choose on price alone.<\/p>\n<h2>When to take out the insurance<\/h2>\n<p>Do it before you collect the car: you cannot drive without valid insurance. To take it out, the insurer usually asks for your driving licence, ID document and the vehicle&#8217;s details, such as the plate number.<\/p>\n<h2>Also keep in mind<\/h2>\n<p>If you are a foreign resident, see our <a href=\"\/en\/buying-a-used-car-in-spain-as-a-foreigner\/\">guide to buying a car as a foreigner<\/a>. And before buying, go through the <a href=\"\/en\/what-to-check-before-buying-a-used-car\/\">inspection checklist<\/a> and the paperwork for the <a href=\"\/en\/documents-for-car-ownership-transfer-spain\/\">ownership transfer<\/a>.<\/p>\n<h2>Looking for a used car in Mijas or Fuengirola?<\/h2>\n<p>At Autos Reina, at Camino Viejo de Co\u00edn, 28 (Mijas Costa), you will find <a href=\"\/en\/occasion-cars\/\">second-hand cars<\/a> with a 1-year warranty and the chance to test drive them with no obligation. Call us on <a href=\"tel:+34952637774\">952 637 774<\/a> or <a href=\"\/en\/contact-us\/\">get in touch<\/a>. Opening hours: Monday to Friday 10:00\u201314:00 and 17:00\u201320:00; Saturday 10:00\u201313:30.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Before you drive your used car away you need valid insurance: the law requires at least third-party liability cover. Beyond that minimum, the best option depends on the age of the car, its value and how much you will use it. Basic third-party insurance It is the compulsory minimum. It covers damage you cause to &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/autosreina.es\/en\/used-car-insurance-what-to-choose\/\" class=\"more-link\">Read More <span class=\"screen-reader-text\"> &#8220;Insurance for a used car: third party or fully comprehensive&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":15569,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[181],"tags":[],"class_list":["post-15675","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/autosreina.es\/en\/wp-json\/wp\/v2\/posts\/15675","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/autosreina.es\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/autosreina.es\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/autosreina.es\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/autosreina.es\/en\/wp-json\/wp\/v2\/comments?post=15675"}],"version-history":[{"count":0,"href":"https:\/\/autosreina.es\/en\/wp-json\/wp\/v2\/posts\/15675\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/autosreina.es\/en\/wp-json\/wp\/v2\/media\/15569"}],"wp:attachment":[{"href":"https:\/\/autosreina.es\/en\/wp-json\/wp\/v2\/media?parent=15675"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/autosreina.es\/en\/wp-json\/wp\/v2\/categories?post=15675"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/autosreina.es\/en\/wp-json\/wp\/v2\/tags?post=15675"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}