About Your No Claims Bonus

Some Insurance Companies in Spain will not honour your previous entitlement to No Claims Bonus for a variety of reasons and this can dramatically affect the price you pay for your insurance.  At Expat Insurance in Spain, we try to accommodate a whole range of circumstances and aim to keep premiums down by honouring or establishing No Claims Bonus entitlement for our clients.  The chart below will tell you if you could be entitled to a No Claims Bonus.

We will honour your No Claims Bonus in Spain and any discount will be automatically calculated when a quote is provided.  Simply take a copy of the Certificate and hand it to us when requested

Don't worry!!!  In many cases we will still honour your No Claims Bonus.  We will ask you a few questions and you will need to complete a Self-Certificate

There are some circumstances when we may be able to give you a No Claims Bonus to start you off.  These include:

• Drivers who have previously held insurance but have not had insurance for a few years
• Drivers whose No Claims Bonus entitlement has expired
• Drivers who were covered on another persons insurance and therefore did not earn any No Claims Bonus entitlement
• Drivers who previously used a Company vehicle
• Drivers who were previously self-employed and the insurance was in the business name person applying for No Claims Bonus entitlement was a named driver

There are occasions when we are unable to give a No Claims Bonus and some of these are shown below.  The list is not exhaustive as personal circumstances differ and each application is made on it's own merits:

• Where a person has been banned from driving
• Where previous claims have been made
• If the proposed policy holder has held a driving licence for less than two years
• If the proposed policy holder is under the age of 25 years