Car Rental Insurance and Deductibles in Spain: What You Need to Know
In Spain, third-party liability coverage is always included in the rental contract and covers damage you cause to other people and their property. It applies with no deductible.
The part that hits your budget is the deductible on the damage and theft coverages. It typically runs between $1,130 and $2,250*.
If you cause an accident, if the car is stolen, or if it's damaged and no other party can be identified, that deductible is taken from your security deposit. So the amount held on your card at pickup is not a mere formality.
What's often excluded
- Tires
- Undercarriage
- Keys
These items are often left out of the basic coverage, even when the deductible is advertised as reduced. Check the exclusions list before you pay for a deductible buyback.
How to limit what you owe out of pocket
You have two options: a deductible buyback (offered by the rental company, or a third-party policy from an independent insurer) or a premium credit card, subject to conditions. Either way, ask what is actually covered for tires, undercarriage and keys.
Driving to Portugal or France
Depending on your type of contract, you can drive into neighboring countries like Portugal or France. That permission depends on the contract itself: the authorization has to be written into the one you sign.
An undeclared border crossing can void your coverage. Have it added to the contract before you leave.
Frequently asked questions
How much does a one-week car rental in Spain cost?
Which fuel policy should you choose to avoid extra fees when renting a car in Spain?
Is my US driver's license enough to drive in Spain?
- at least one year of driving experience
- a minimum age of 21, sometimes 23 to 25 depending on the car category