Should cars and bicycles in Spain be insured?

Whether you are in Central China or immigrated to Spain, you should insure your car when driving. Auto insurance is not only a guarantee for your own safe travel, but also a responsibility for the personal safety of others. In Spain, there are three types of automobile insurance, which are divided into three types: three types of insurance, all risks and comprehensive risks. How to buy Spanish auto insurance when you first arrive in Spain? Auto insurance tips for immigrants in Shenzhen, Australia introduce Spanish immigrants!

I. Introduction of Spanish Automobile Insurance

To immigrate to Spain, we must first know that there are three kinds of auto insurance in Spain: three risks, all risks and comprehensive risks. Three insurances are actually third party insurance. In addition to the most basic glass protection and fire insurance, when an accident occurs, the responsibility lies with the insured, then the insurance company will compensate the other party for the repair cost of the vehicle, and the insured's vehicle damage will be borne by himself. All-insurance means that when the responsibility lies with the insured, the insurance company will pay all the repair costs, whether it is the other vehicle or the insured vehicle.

CON FRANQUICIA insurance in Spain means that if a traffic accident happens, the responsibility lies with the insured, and the FRANQUICIA value insured by Spanish immigrants is paid by themselves, and the rest is borne by the insurance company. For example, FRANQUICIA, a Spanish immigrant, is insured for 300 euros, and the cost of car damage maintenance is 1 1,000 euros. Finally, the immigrants will pay 300 euros, and the insurance company will pay 700 euros. Australian immigrants reminded that there is a very important detail here. FRANQUICIA is every part of the car. If two parts of the car are damaged, namely the left front door and the rear bumper, and the repair cost is1* *1000 euros, then the insured needs to pay 600 euros instead of 300 euros, so Spanish immigrants need to pay special attention when purchasing insurance.

Second, the Spanish immigrants on the road instructions

Novices of Spanish immigrants generally just got a driver's license, with short driving experience and young age. In this case, it will be very expensive to buy all insurance. Because novices are bound to bump into each other when they get on the road, insurance companies themselves have high risks in insuring such people. With the increase of driving experience and age, if there are no frequent accidents in the previous insurance records, the cost of auto insurance will gradually decrease. In order to save some insurance premiums, some people who have just got a driver's license use the driver's license of their relatives and friends with long driving experience to insure their cars, although it will not affect normal driving. However, in the event of an accident, it is necessary to identify the person responsible for the accident. The investigators sent by the insurance company found that the driver was inconsistent with the insured on the vehicle, and the insurance company had sufficient reasons not to compensate. At that time, not only the high repair cost will be borne by the owner himself, but also the bad record of fraudulent insurance will be left in the insurance company, which is not worth the candle.

However, this situation also exists in Spain. Insure your car with the driver's license of relatives and friends with long driving experience, and add your name as one of the drivers of the car, so that the embarrassing situation that the owner and driver are not the same person will not happen. Although this method is feasible in Spain, the insurance company will still take the situation of drivers with less driving experience as a reference when calculating the policy, so the price given will not be cheap. Australian immigrants remind that if you don't always insure with a driver's license, even if you have a long driving experience, the first insurance will not be cheap. Therefore, newcomers to Spain had better insure their cars. After all, they are inexperienced. Although the total insurance cost is high, it is more suitable to insure them than the first year's repair cost. With the increase of driving experience and the accumulation of road experience, you can change to other auto insurance in the second year.