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You probably know that all vehicles must have mandatory car insurance. But you should also know that getting car insurance in the Canary Islands isn't just a legal requirement, as there are many different types and coverages available to protect your car and ensure safe driving.
Can I drive my car without insurance?
Driving a car without insurance is not permitted . This is stated in Article 2 of Royal Legislative Decree 8/2004, of October 29, which obliges the owner to take out Civil Liability insurance up to the limits established by the law itself: 70 million for personal injury and 15 million for property damage.
What does third party car insurance cover?
Third-party insurance is the common name for Compulsory Civil Liability insurance, which covers material or bodily damages caused to third parties.
What does car insurance cover in Tenerife and Las Palmas?
In addition to mandatory insurance or third-party insurance, car insurance can be enhanced with additional coverages designed to protect the vehicle: broken windows, theft, fire, and comprehensive coverage.
Can you drive a vehicle without having my data in the insurance?
Anyone can drive a vehicle even if they are not listed as a driver on the car insurance policy. However, if the person who will be driving is under 25 years old or has held a driver's license for less than two years, they are considered an occasional driver and must be listed on the policy as either the primary or occasional driver. Our insurance brokers in Tenerife and Las Palmas can explain this important information in more detail when you purchase car insurance from Canarisk.
Does my father's car insurance cover me?
Generally speaking, if you have held your license for more than two years and are over 25 years old, you are covered under your father's or mother's insurance policy , without needing to be expressly declared as an occasional driver.
What does comprehensive car insurance cover?
Comprehensive car insurance is a type of insurance that guarantees against damage to the vehicle itself, even in accidents where the insured party is at fault.
What is the deductible in the All Risk auto insurance?
The deductible is an option you can choose when taking out comprehensive car insurance. In the event of an accident involving damage to your own vehicle, you cover a portion of the repair costs, which typically ranges from €180 to €600. This allows you to save on the price of your car insurance in Tenerife or Las Palmas without sacrificing comprehensive coverage.
What does driver's accident insurance cover?
When you take out car insurance with Canarisk , you can choose to also include driver and passenger accident insurance. This includes not only medical assistance in case of accidents, but also compensation in the event of death or disability. Ask our team of insurance brokers in Tenerife and Las Palmas about this option , and they will be happy to answer any questions you may have.
Is it mandatory to carry the insurance policy in the car?
It is not mandatory since the verification can be carried out electronically. Although, it does not hurt to have insurance documentation.
Can I be fined for having the car parked without insurance?
Any vehicle found on public roads is considered to be in circulation and therefore the obligation to insure the car to third parties must be fulfilled.
What is roadside assistance?
Roadside assistance coverage mainly consists of towing service in case of breakdown or accident of the insured vehicle.
Can I change cars in the insurance?
Yes, you can modify your policy at any time to change your car. Generally, a policy addendum or amendment is issued to change the vehicle. If you are a Canarisk customer and need to change the car on your insurance policy with us, you can manage this through the Customer Area.
