EXPAT INSURANCE IN   SPAIN 

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Motor & Motorbike Insurance - Is your car registered in the UK?  Not a problem!!!  We provide insurance cover for cars and vans registered in the UK but driven in Spain.  Insurance cover arranged for left and right hand drive vehicles. Buildings & Contents Insurance - We arrange buildings and contents insurance for expatriates living in Spain. Most risks covered including high value items,  accidental damage, emergency travel, golf buggies and golfing equipment.  Holiday Apartment - Not an expatriate but have a holiday home in Spain and need insurance?  Not a problem.  Instant insurance cover provided for 1,2 or 3 bedroom holiday apartments with the option to include cover for your golfing equipment from as little as 80€a year. Pet Insurance - Unexpected costs as a result of your pet's illness or accident can be very expensive.  1 in 3 pets need unexpected treatment every year.  You can have peace of mind by insuring your pet from as little as 2.30€ per week for cats and 3.37€ per week for dogs.  3 levels of cover available to suit you and your animals needs. Travel Insurance - Taking a holiday or visiting an expatriate family or friends?  We provide instant single or multi-trip Travel Insurance for individuals, couples or the family.  European or Worldwide insurance cover available.  Many pre-existing medical  conditions can also be covered.  For instant Travel Insurance to Spain or anywhere in the World click the link below. Legal Assistance provided by English speaking specialists from as little as 40€ a year Private Medical Insurance - For an expatriate living in Spain it makes sense to consider Private Medical Insurance.  We have two levels of cover available with our Eurohealth Plan.  This flexible plan gives you a choice of payment plans and allows you to choose the excess you pay to reduce your premiums.  These plans are ideal for families.

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Registering your UK Plated Vehicle onto Spanish Plates

Re-Platemate has been established for a number of years in the Vega Baja area of Alicante District and our sole purpose is to enable the registration of foreign plated cars brought into Spain.

Why choose Re-Platemate? Our aim is to provide a simple stress-free and timely service so that your vehicle is fully Spain-legal. We want you to be so satisfied with the service, that you would be happy to refer us to a friend or relative.

Are we the cheapest? As with any business, there is always somebody cheaper. Our aim is to provide a high quality value-for-money service at competitive rates.

Whilst the majority of our clients are British, we have also successfully re-plated vehicles from many other EU countries including Ireland, Germany and France as the process is essentially the same irrespective of the country in which the car is presently registered.

Our service is designed to successfully take your vehicle through all of the phases necessary to make you a fully legal vehicle owner in Spain. This specifically includes a matriculation engineer’s inspection and report (to satisfy the Spanish authorities that your vehicle is what it says it is on your present log book), ITV (MOT) inspection, presentation and exchange of your documents with various Spanish government departments in Alicante or Murcia, depending upon where you live.

Also included in our flat- fee charge are the new number plates for your vehicle

Why re-plate at all? EU legislation states that vehicles must be registered, taxed and inspected (MOT) in the same country as which the owner normally lives.

If you choose not to class yourself as a permanent resident and split your time between the UK and Spain, then you need not re-plate, so long as your vehicle is in Spain for no more than 6 months in any 12 and by implication, that you can prove this if asked by the authorities.

 If your vehicle is in Spain for more than 6 months, then you need to re-register the car in Spain and drive on Spanish licence plates

Further details are available on the website www.britishembassy.gov.uk

We all know many ex-pats who have had their car in Spain for quite some time with no apparent problem. Whilst it is not our intention to scaremonger, we are obliged to point out that these drivers are taking quite a risk and will most certainly have a problem if stopped by the authorities, have an accident or have their vehicle stolen and/or choose to make an insurance claim.

A look at our comprehensive FAQ (Frequently Asked Questions) section should answer most of your queries, though we are more than happy for you to contact us if you need to know more. 

Contact us on 0034 966 740 188 or send us an email. 


FAQ’s

Why do I need to re-register in Spain?

EU regulations state that a vehicle must be registered, taxed and inspected (MOT) in the country of residence of the owner. Visitors to Spain must comply with this, but may use their car in Spain for 6 months in any 12-month period only.

 Residents must register their vehicle in Spain.

 For further information see www.britishembassy.gov.uk

 How long will I be without my vehicle?

 The engineers inspection and ITV (MOT equivalent) can take anything from 1-3 hours, so depending upon where you live we would normally need your vehicle for up to half a day only. We do not need your vehicle for any later parts of the process

Can I accompany you to the ITV station?

 Yes, most clients entrust their vehicles to us for this purpose, but you are more than welcome to take your vehicle to the ITV station and meet us there.

 What if my car fails its ITV test?

 As with the UK MOT test, it is prudent to check your vehicle over before submitting it for test, for example, ensure that all of the lights are working and pay particular attention to the tyres. Tyres on the same axle must be the same type with exactly the same tread (though all 4 tyres need not be identical).

 Should it fail the test, any remedial work will need to be undertaken before re-submitting the car for a further test, which will be at additional cost.

 One of the advantages of having your vehicle tested in Spain is that the ITV station is government appointed and only carries out tests. The station cannot undertake repairs no matter how minor; this means that they cannot be tempted to fail a car and charge you for the remedial work as can happen at some UK MOT stations. 

Should you need work undertaken either before or after your ITV test, we have relationships with a number of workshops that will be happy to provide a service at competitive rates.

 

What type of vehicles can be replated to Spanish plates?

 Virtually any vehicle, including cars, motorcycles, campervans etc, whether right or left- hand drive.

The general exception is commercial vehicles such as panel vans (“Transits” etc), which are right-hand- drive. Due to lack of vision from the driver’s position; these vehicles cannot be re-registered

Will I need to change my headlights?

 If your vehicle is right-hand drive, then your lights are designed to point towards the left hand curb, these are not acceptable in Spain, so headlights designed to point to the right are obligatory. This applies to all vehicle types including motorcycles.

Some cars (though very few) can be adjusted in order to comply with the regulations; please check your handbook first

Due to our extensive contacts, we are able to supply and fit headlights at competitive prices

 

My vehicle has been modified since is what first registered; is this OK?

 

It depends on the modification. Please supply details and we will check it out first .   As a guide, the addition of tow-bars will only cause a delay if you car is fairly old, but alterations to the suspension or engine size for example will be a hurdle

 

Can I keep my British registration?

 

When you import your vehicle to Spain and re-register it, your UK “logbook” is returned to DVLA in Swansea, so you lose your UK registration.

However, if you want to retain title to your UK registration (for instance if you have a personalised number plate), then you can do this by applying to DVLA to retain ownership. For a fee, they will allow you to retain title and issue a certificate to this effect

Should you want to do this, please contact DVLA directly.

 

Will I need to change my insurance policy?

 

Yes. It is recommended that you have your insurance ready to go as soon as possible after you obtain your Spanish plates, meanwhile continue to drive with your existing policy.

 

Re-Platemate is not qualified to give detailed advice regarding insurance; we recommend that you speak to Expat Insurance in Spain via this website. who are experts in this field

 

How long does it take to complete the replating process?

 

Once your vehicle has been matriculated and passed the ITV (about half a day), then the documentation normally takes 4-7 working days after this. Public holidays, Red days and Fiestas will add to this timescale

At the end of the replating process, what do I get?

 Your car will have been accepted into Spain and ITV’d as being in a legal, roadworthy condition. You also get the ITV sticker for your windscreen, SUMA (road tax), a brand new Spanish registration document and the new number plates for your vehicle

How can I be reassured that the process is fully legal?

 We work in conjunction with a firm of Gestors (lawyers) who specialise in motoring law and are well used to dealing with the bureaucracy that has to be undertaken during the re-registration process. We are more than happy to supply their details so that you can have any doubts put to rest

What do you charge?

 We charge a flat fee for ficha reducida (matriculation), ITV testing, provision of all Spanish documents, legal costs and number plates. Please contact us for a full quotation

What additional costs may be involved?

 You will be liable for SUMA (road tax) and possibly for import tax. These costs vary depending upon the type and age of your vehicle and where you live.

How much tax will I be liable for?

 Road tax for all vehicle types is less than in the UK. The SUMA is charged locally with the rate being set by your SUMA office (ayuntamiento in larger towns) not nationally and so varies in cost. For a full year it will be approximately 100-150 euros

 Import tax (if applicable) is calculated on the value of your vehicle, its age and its engine size and type.

For petrol cars it will be 7% of your car’s value for cars of 1599cc or less and 12% for cars above 1600 cc.

For diesel cars, it will be 7% of your car’s value for cars of 2000cc or less and 12% for cars above 2001 cc.

For all motorcycles, there is no import tax where the bike is less than 250cc. Above 250cc; the tax is levied at 12% 

For an exact quote, please contact us with full details of your vehicle

 Re-Platemate will arrange for your taxes to be paid and provide you with the receipts from the relevant tax collecting authority. This way you can be certain that you have only paid the right amount of tax and no “mark-up”

Can I avoid paying import tax?

Yes, the Spanish authorities will class your vehicle as part of your personal possessions brought with you to Spain, but only for a limited time and if can meet the following criteria

 a)      You have owned the car for more than 6 months

b)      Your “Padron” is less than 30 days old

c)      You have a Baja Consular from the British Consulate

(Should you need a Baja Consular, then a trip to the British consulate in Alicante is necessary as you have to apply in person, though we will be happy to accompany you there, should you wish us to do so. The cost of a Baja Consular is 132 euros, which is usually less than the cost of import tax)

This all sound very complicated and confusing; can it be made simpler?

To someone not familiar with all of the processes involved and in particular dealing with the Spanish authorities, it can seem very daunting. Re-Platemate is well established and its sole purpose is to make the whole process as simple and easy for the client as possible

How do I go ahead?

Contact us on 0034 605 319 889, quoting reference Expat Insurance or send us an email. 

ALL VALUES WHERE QUOTED ARE CORRECT AS AT APRIL 2007