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Insurance Spain |
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Posted: Mon Jul 02, 2007 8:51 pm |
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Cocky |
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| Joined: Jun 07, 2005 |
| Posts: 40 |
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| MH: Carthago |
| Location: Wombourne & Taberno Spain |
Medals: None
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Status: Offline |
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Hi all,
Jill and I have now moved to Spain but of course have taken our Carthago with us (it is now our UK home when we return for holidays)..
We have just gone through the process of importing the MH into Spain, what a nightmare! If you think there is red tape bringing one into the UK, think again! Importing it from Germany to the UK was a breeze compared to the Spanish experience.
THe big subject for us now is changing the insurance. We are currently insured with the Caravan Club, but of course need to find a competive quote here in Spain or a European insurer..
Any help would be appreciated. We had quotes of 1700 euros at a local broker today..
Cheers,
Colin |
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Posted: Mon Jul 02, 2007 9:27 pm |
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thieawin |
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| Joined: Jun 07, 2006 |
| Posts: 266 |
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| MH: Flair 7000i |
| Location: Isle of Man |
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Under EU rules you must insure witha company issuing policies and having offices in the country of registration. So you must use a Spanish insurer.
Just as in UK lots of choice and lots of different pricing. There are bound to be specialist insurers. maybe through a Spanish Motorcaravan club.
Get hold of a Spanish motorhome magazine and see, you must have some grasp of the lingo to get where you did. Remember now you are Spanish registered your UK insurance is no longer valid, so do hurry
One thing, why re register? You can keep a vehicle in Spain for 6 months per year on UK plates, the ITV test is much tighter than MOT and the 6 months is very liberally interpreted as "on the road". In other words keep a record and all the days off road in a park, as long as not taken out, or for a car in garage, don't count. I have an IOM registered car in Spain, had it there for 4 years,not brought it back, we don't have MOT in IOM, but as it is garaged for 200+ days it is OK
I presume you are not permanent spanish residents and haven't taken out spanish residency? If you have, then you do have to register straight away. |
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Posted: Mon Jul 02, 2007 9:50 pm |
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billym |
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| Joined: Dec 17, 2005 |
| Posts: 621 |
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| MH: damon challenger |
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| I do not know the answer but surely there are loads of adverts in the Costa Blanca/ del Sol News etc for insurance brokers in English. I guess it is just like here you have to trawl through them all. One day one will be cheaper than another, the next the opposite. Try www.mvseguros.com who do motorhomes . |
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Posted: Wed Jul 04, 2007 9:21 pm |
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Cocky |
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| Joined: Jun 07, 2005 |
| Posts: 40 |
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| MH: Carthago |
| Location: Wombourne & Taberno Spain |
Medals: None
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Status: Offline |
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Thanks both,
We will be more in Spain than anywhere else, so importing the MH makes sense and in real terms we will be residents as we are likely to spend the most amount of time at our house in Almeria region.
It is all well and good running around on UK (or other EU) plates so long as you keep the legal requirements for that Country up to date, ie for the UK a current MOT test certificate and excise licence! The Guardia in this area have been having a huge clamp down here, I am not surprised nor do I blame them. We see dozens of vehicles with tax discs displayed that ran out 4 years ago! Offenders are having their vehicles seized and crushed.. So be warned if you are keeping such vehicles in Spain or at least our region.
Thanks for the link for the MH specialists, that is the sort of info we are really after.. I'll look out for a Spanish MH magazine.. I expect I'll have to find a newsagent on the coast .. our town has only just dicovered newspapers let alone periodicals!!
Cheers
Cocky |
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Posted: Wed Jul 04, 2007 9:29 pm |
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Cocky |
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| Joined: Jun 07, 2005 |
| Posts: 40 |
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| MH: Carthago |
| Location: Wombourne & Taberno Spain |
Medals: None
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Status: Offline |
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| Cocky wrote:
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Thanks both,
We will be more in Spain than anywhere else, so importing the MH makes sense and in real terms we will be residents as we are likely to spend the most amount of time at our house in Almeria region.
It is all well and good running around on UK (or other EU) plates so long as you keep the legal requirements for that Country up to date, ie for the UK a current MOT test certificate and excise licence! The Guardia in this area have been having a huge clamp down here, I am not surprised nor do I blame them. We see dozens of vehicles with tax discs displayed that ran out 4 years ago! Offenders are having their vehicles seized and crushed.. So be warned if you are keeping such vehicles in Spain or at least our region.
Thanks for the link for the MH specialists, that is the sort of info we are really after.. I'll look out for a Spanish MH magazine.. I expect I'll have to find a newsagent on the coast .. our town has only just dicovered newspapers let alone periodicals!!
Cheers
Cocky
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By the way the ITV (MOT) was more severe in some respects than the UK test, very similar in fact to the UK HGV test. Having said that the import examination is more severe than the normal, and then it is only tested every two years (something the UK is looking at).. Thankfully the only thing they cound find wrong was the tow bar..
I asked Towtal (Stoke on Trent) if their bracket was acceptable in the EU and in particular Spain. I was assured it was! Let that be a lesson.. they will only accept it if it has a certificate of conformity and a correctly stamped plate, neither of which was supplied by Towtal.. So the bracket (which is showing serious signs of rusting after only 18 months) has been removed.. |
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Posted: Thu Jul 05, 2007 12:45 pm |
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Detourer |
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| Joined: May 09, 2005 |
| Posts: 922 |
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| MH: Merc Unimog |
| Location: Nr Malaga,Spain and Meski, Morocco |
Medals: None
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Hi Cocky
As your vehicle is now Spanish reg'd your only problem is insurance [as you say]. The concept of Motorhomes is at a loss with most Spanish insurance companies, result is they do not offer cover. I in fact know of only one company here......Unfortunately details are not to hand but I will forward asap......
Registration is not an issue, as you have done it........But for those starting the expensive and complicated process I would say the best advice is form some of the Spanish ex-pat forums.......such as
Only registered users can see links on our Forum Join Now or Login |
where vehicle reg, insurance, documents etc etc is posted regular.
There are just too many myths flying around. Bottom line, hide and dodge around in a UK reg'd vehicle as long as you like, but if it is here for more than the statuary number of days [only bonded warehousing counts as "off the Road"...even then that is questionable] then you will at some time get nicked......I could take you to a Guadia compound near Cartimar........You would die at the sight of dozens of non-Spanish high-end cars, boats, caravans and motorhomes that have been there years......You are given a very limited time to get you paperwork in order before that are stacked, stored and auctioned at a later date...... |
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______________________________________________________________ Ray
Only registered users can see links on our Forum Join Now or Login |
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Life should not be a journey to the grave with the intention of arriving safely in an attractive and well preserved body, but rather to skid in sideways, women on each arm, champagne in one hand, credit card in the other, body thoroughly used up, totally worn out and screaming …."WOO HOO, WHAT A RIDE" |
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Cocky
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Posted: Sat Jul 07, 2007 9:44 pm |
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Cocky |
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| Joined: Jun 07, 2005 |
| Posts: 40 |
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| MH: Carthago |
| Location: Wombourne & Taberno Spain |
Medals: None
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Status: Offline |
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| Detourer wrote:
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Hi Cocky
As your vehicle is now Spanish reg'd your only problem is insurance [as you say]. The concept of Motorhomes is at a loss with most Spanish insurance companies, result is they do not offer cover. I in fact know of only one company here......Unfortunately details are not to hand but I will forward asap......
Registration is not an issue, as you have done it........But for those starting the expensive and complicated process I would say the best advice is form some of the Spanish ex-pat forums.......such as
Only registered users can see links on our Forum Join Now or Login |
where vehicle reg, insurance, documents etc etc is posted regular.
There are just too many myths flying around. Bottom line, hide and dodge around in a UK reg'd vehicle as long as you like, but if it is here for more than the statuary number of days [only bonded warehousing counts as "off the Road"...even then that is questionable] then you will at some time get nicked......I could take you to a Guadia compound near Cartimar........You would die at the sight of dozens of non-Spanish high-end cars, boats, caravans and motorhomes that have been there years......You are given a very limited time to get you paperwork in order before that are stacked, stored and auctioned at a later date......
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Thanks Ray,
As you say there is much misinformation and rumour on the subject.
We get annoyed at the number of illegal vehicles running around Spain, when the locals are paying their dues ! Imagine the comments from the same people if they see Lutuianian vehicles running around their old home towns without the relevant papers!
I would appreciate the company details.. I take it they cover fro trips to other parts of Europe and north Africa!!
Cheers,
Cocky |
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Posted: Sun Jul 08, 2007 12:09 am |
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Detourer |
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| Joined: May 09, 2005 |
| Posts: 922 |
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| MH: Merc Unimog |
| Location: Nr Malaga,Spain and Meski, Morocco |
Medals: None
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[quote="I would appreciate the company details.. I take it they cover fro trips to other parts of Europe and north Africa!!
Cheers,
Cocky[/quote]
I will get company details to you as soon as I get docs back that I have left in a vehicle I have loan'd out
Most/all of the Spanish insurance co's are NOT including North Africa [Morocco] in new policies.......but ARE covering rest of Europe without the time/duration restrictions of UK isueing companies. |
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______________________________________________________________ Ray
Only registered users can see links on our Forum Join Now or Login |
------------------------------
Life should not be a journey to the grave with the intention of arriving safely in an attractive and well preserved body, but rather to skid in sideways, women on each arm, champagne in one hand, credit card in the other, body thoroughly used up, totally worn out and screaming …."WOO HOO, WHAT A RIDE" |
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Posted: Mon Jul 16, 2007 3:06 pm |
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hogan |
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| Joined: Oct 31, 2006 |
| Posts: 324 |
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| MH: Hymer B574 |
| Location: Near Gandia, Valencia, Spain |
Medals: None
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Status: Offline |
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Hi Colin
Having the same problem,but as i lived here before I imported from Germany it was even more stressfull I have just found this insurance company in Madrid that specialises in motorhomes give them a ring on 914087841 ask for george or pilar or e mail them at
Only registered users can see links on our Forum Join Now or Login |
good luck |
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