Living in Spain inevitably brings up the issue of insurance, be it Household, Health, Life or Motor and also for your visits to the UK, travel!
The easiest way to obtain Insurance is from Brokers who speak English, of which there are many on the Costas, Islands and in the major cities of Spain.
Buying property in Spain with a mortgage will require you to take out a Home Owners Insurance Policy and a Life Insurance policy.
Private medical health insurance is also available and can be obtained from many familiar English named Health Insurance companies. Costs are very competitive and enable you to have all the advantages of first class treatment with English speaking Doctors, Consultants and Surgeons.
Car Insurance and Motorcycle Insurance is mandatory. As of 1995, Spanish law requires that all vehicles be covered with at least minimum insurance that would compensate any damage incurred against a third party. You are required by law to carry your license and Insurance policy with you in your car, if you don┬ĺt, be aware that Spanish police, particularly the Guardia Civil, are taking special care to find drivers without insurance in order to help them keep illegal drivers off Spanish roads. Now, there is even an agreement between the insurance industry and the police that allows the latter to check the records of the former in order to identify uninsured vehicles.
The price for driving without insurance ranges from 600 to 3,000 euros and the exact amount of the fine depends on what type of vehicle you are driving, what the vehicle is used for and how long you have been driving without insurance.
Driving without the relevant documentation is not only illegal and foolish it can lead to hefty fines and even imprisonment in extreme cases.