Car Rental Insurance In Spain- What You Need To Know

Here’s everything you need to know about car rental insurance in Spain.

Renting a car in Spain offers unparalleled freedom to explore its stunning landscapes, vibrant cities, and charming villages at your own pace. Before you hit the road, it’s crucial to understand the types of car rental insurance available.

Renting A Car In Spain- The Basics

The process of renting a car in Spain is similar to that in most EU countries. To rent a car, you’ll typically need the following:

• A valid driver’s license
• An International Driving Permit (IDP) – only required if your license is issued outside the EU or is not in Spanish. Check out our guide on IDPs here.
• A valid passport or ID card
• A credit or debit card – Most rental companies require a credit card under the renter’s name, especially for premium vehicles. Some companies, such as Enterprise, may allow debit cards for standard rentals; check the policy in advance. Renting with a debit card will likely impact the deposit!

Be Mindful of Additional Fees

Car rental costs can quickly add up due to hidden charges, such as:

• Young driver fees
• Premium location surcharges (e.g., airport pick-ups)
• Late drop-off fees
• Cleaning fees

Plan your budget carefully by reviewing the rental company’s terms for extra charges.

Car Rental Deposits in Spain

Most rental companies in Spain require a security deposit, usually charged to the credit card provided during booking. While some providers may accept debit cards, this is less common.

Remember that renting with a debit card will impact the deposit- it will be higher and charged before the rental period starts. Make sure you budget this when planning your trip.

Ensure you understand the terms to avoid surprises.

Mandatory Car Rental Insurance in Spain

In Spain, car rental contracts include Third-Party Liability Insurance (also known as Personal Liability Insurance) as a legal requirement. This basic insurance covers damages or injury to others but does not protect the rental vehicle itself.

While mandatory, it’s often insufficient, and additional coverage is highly recommended for peace of mind.

What’s Covered by Liability Insurance?

• Injury and material damage to third parties.
• Unlimited coverage for personal injury under Spanish law.

However, liability insurance does not cover damages to the rental car, leaving you financially responsible in case of accidents or theft. Consider adding additional coverage for peace of mind.

Additional Car Rental Insurance in Spain

For comprehensive protection, consider the following optional coverages:

Collision Damage Waiver (CDW)

CDW reduces or eliminates your financial liability for damage to the rental car. Some credit cards offer CDW coverage, but terms vary. Check with your provider and use the same credit card to pay for the rental.

Theft Protection (TP)

This coverage shields you from financial liability if the car is stolen. Given the risks in urban areas, it is highly advisable for on-street parking.

Personal Accident Insurance (PAI)

PAI covers medical expenses for the driver and passengers. Many travel insurance policies already include PAI, so verify your existing coverage before purchasing.

Declining Additional Insurance: Is It Worth the Risk?

While declining extra insurance may seem cost-effective, it exposes you to potential risks.

Repair Costs

If you damage the car, you’ll be responsible for repairs, which can reach thousands of euros.

Theft Costs

Without Theft Protection, replacing a stolen vehicle could be financially overwhelming.

If you’re confident in your travel or credit card insurance coverage, declining extra insurance might make sense. Otherwise, investing in additional protection is prudent.

Damage Claims for Rental Cars in Spain

Should your rental car be damaged, follow these steps to handle the situation smoothly:

1. Document Everything: Take photos of the damage immediately. When booking with Rentalmoose, we’ll remind you to document the car’s condition during pick-up and drop-off.
2. Contact the Rental Company: Report the damage as soon as possible.
3. Review Your Coverage: Ensure you understand the terms of your insurance or waivers.

For unfair damage claims, consult guides on how to dispute rental car charges.

Bonus: Why Book with Rentalmoose in Spain?

Looking for a reliable car rental provider in Spain? Rentalmoose offers access to trusted suppliers in over 15,000 locations worldwide. Plus, for every booking made, Rentalmoose plants a tree, contributing to environmental sustainability.

Renting a car in Spain provides the ultimate flexibility to explore this diverse and vibrant country. By understanding car rental insurance options, you can enjoy your trip with complete peace of mind.