{"id":1943,"date":"2025-06-24T14:45:24","date_gmt":"2025-06-24T14:45:24","guid":{"rendered":"https:\/\/lawebdeseguros.com\/?page_id=1943"},"modified":"2025-10-18T10:02:06","modified_gmt":"2025-10-18T08:02:06","slug":"automobile-insurance","status":"publish","type":"page","link":"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/automobile-insurance\/","title":{"rendered":"Car Insurance"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Contents\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #0a225d;color:#0a225d\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #0a225d;color:#0a225d\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/automobile-insurance\/#%C2%BFComo_contrato_un_seguro_de_automovil_sin_errores_que_me_cuesten_caro\" >How do I take out car insurance without costly mistakes?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/automobile-insurance\/#%C2%BFQue_cubre_el_seguro_obligatorio\" >What does compulsory insurance cover?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/automobile-insurance\/#%C2%BFBuscas_un_seguro_barato_Atencion_a_esto_primero\" >Looking for cheap insurance? Check this out first<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/automobile-insurance\/#%C2%BFCual_es_la_diferencia_entre_seguro_a_terceros_y_todo_riesgo\" >What is the difference between third party and comprehensive insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/automobile-insurance\/#Marca_modelo_y_version_que_no_te_quiten_lo_que_es_tuyo\" >Make, model and version: don't let them take away what's yours<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/automobile-insurance\/#%C2%BFPor_que_es_tan_importante\" >Why is it so important?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/automobile-insurance\/#Accesorios_opcionales_declaralos_o_podrias_perderlos\" >Optional accessories: declare them or you could lose them.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/automobile-insurance\/#%C2%BFTienes_remolque_Ojo_con_este_detalle\" >Do you have a trailer? Watch out for this detail<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/automobile-insurance\/#Revisa_bien_las_condiciones_particulares\" >Check the particular conditions carefully<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/automobile-insurance\/#%C2%BFComo_elegir_el_mejor_seguro_de_automovil\" >How to choose the best car insurance?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFComo_contrato_un_seguro_de_automovil_sin_errores_que_me_cuesten_caro\"><\/span>How do I take out car insurance without costly mistakes?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Imagine you've just bought your car, you're happy, you're proud... but one little detail wrongly placed in your policy could lose you thousands of euros. Yes, it's that easy. Today in <strong>The Insurance Web<\/strong> we explain everything you need to know in order to hire <strong>motor insurance<\/strong> with your head. It is not just about complying with the law, but about being well protected.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_cubre_el_seguro_obligatorio\"><\/span>What does compulsory insurance cover?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Any motor vehicle is required by law to have a policy covering the <strong>Compulsory Civil Liability<\/strong>. This means that if you cause an accident and there is damage to third parties (people or things), your insurance will take care of it.<\/p>\n<p>But beware: this minimum cover does not protect you or your car. That's why many insurers - like us at <a href=\"https:\/\/lawebdeseguros.com\/en\/\"><span data-no-translation=\"\">La Web de Seguros<\/span><\/a> they offer you <strong>additional safeguards<\/strong> that can make a difference in the event of a claim.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFBuscas_un_seguro_barato_Atencion_a_esto_primero\"><\/span>Looking for cheap insurance? Check this out first<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>It is logical to want to make savings. But in <strong>CAR INSURANCE<\/strong>If you don't pay attention to a few key details, cheap can be expensive. From <strong>The Insurance Web<\/strong>We give you practical advice to help you make the best decision.<\/p>\n<section class=\"vc_cta3-container animacion-vc ai-play-skip\">\n    <div class=\"ai-play-skip cta_general vc_general vc_do_cta3 vc_cta3 CAT-VC vc_cta3-style-classic vc_cta3-shape-rounded vc_cta3-align-left vc_cta3-color-white vc_cta3-icon-size-xl vc_cta3-icons-left vc_cta3-actions-right wpb_animate_when_almost_visible wpb_fadeInDown fadeInDown vc_custom_canallas wpb_start_animation animated\">\n        <div class=\"vc_cta3-icons\">\n            <div class=\"vc_icon_element vc_icon_element-outer vc_do_icon vc_icon_element-align-left\">\n                <div class=\"vc_icon_element-inner vc_icon_element-color-white vc_icon_element-size-xl vc_icon_element-style- vc_icon_element-background-color-grey\" style=\"margin-right:10px;\">\n                    <!-- span class=\"fas fa-shield-alt icono-seguro\"><\/span -->\n                    <img decoding=\"async\" src=\"http:\/\/lawebdeseguros.com\/img\/logo_solo.svg\" alt=\"Logo\" style=\"width: 70px;\">\n                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"vc_cta3_content-container\">\n            <div class=\"vc_cta3-content\">\n                <header class=\"vc_cta3-content-header\">\n                    <p class=\"cta-heading h2\">Avoid surprises with your car insurance<\/p>\n                <\/header>\n                <p class=\"cta_general cta-heading h3\">Receive free advice on how to take out the insurance that best suits your car and your profile as a driver.<\/p>\n            <\/div>\n            <div class=\"vc_cta3-actions\">\n                <div class=\"vc_btn3-container vc_btn3-inline\">\n                    <a class=\"cta_general vc_general vc_btn3 vc_btn3-size-md vc_btn3-shape-rounded vc_btn3-style-flat vc_btn3-color-green\" href=\"https:\/\/api.whatsapp.com\/send?phone=34659929495&#038;text=Evita+sustos+con+tu+seguro+de+autom%C3%B3vil\" target=\"_blank\" id=\"ga_whatsapp\" rel=\"noopener\">\n                        <i class=\"fab fa-whatsapp\"><\/i> Request for information                    <\/a>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFCual_es_la_diferencia_entre_seguro_a_terceros_y_todo_riesgo\"><\/span>What is the difference between third party and comprehensive insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Third party insurance<\/strong>only covers damage you cause to other people or vehicles. It is cheaper, but you assume the risks on your own car.<\/li>\n<li><strong>All risks<\/strong>The insurance policy also covers damage to your car, even if you are responsible for the damage. It may or may not include excess.<\/li>\n<\/ul>\n<p>This choice depends on many factors: age of the car, current value, driver's profile... If you are in doubt, <a href=\"\/en\/contact\/\">contact us<\/a>we help you decide.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Marca_modelo_y_version_que_no_te_quiten_lo_que_es_tuyo\"><\/span>Make, model and version: don't let them take away what's yours<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>One of the most common mistakes when hiring a <strong>motor insurance<\/strong> is not correctly indicating the <strong>exact version<\/strong> of the car.<\/p>\n<p>Imagine this: you have a SEAT LE\u00d3N 1.9 TDI SPORT, but in your policy it is listed as the STELLA version. If you have a total loss due to fire, the insurer will value the car on the basis of the STELLA version (cheaper), not SPORT. You could lose up to \u20ac3,000 for a simple oversight.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%C2%BFPor_que_es_tan_importante\"><\/span>Why is it so important?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Because each version has different accessories and features that affect the value of the vehicle. Insurers calculate compensation based on what is in the policy, not what you think you have.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Accesorios_opcionales_declaralos_o_podrias_perderlos\"><\/span>Optional accessories: declare them or you could lose them.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Anything that is not standard - such as alloy wheels, metallic paint, reversing camera, tow ball, etc. - must be declared when you take out insurance. If you do not do so and a theft or fire occurs, these items will not be covered.<\/p>\n<p>Did you buy the car new? Check the dealer's order form. Did you buy it second-hand? Check in detail or ask for help to find out what extras your car comes with.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFTienes_remolque_Ojo_con_este_detalle\"><\/span>Do you have a trailer? Watch out for this detail<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If your vehicle has a towbar, you need to check if it is covered by your policy.<\/p>\n<ul>\n<li>If the trailer <strong>exceeds 750 kg<\/strong> of Maximum Allowable Weight (MAW), you will need a <strong>own registration and independent insurance<\/strong>.<\/li>\n<li>If it is below that weight, <strong>shares number plates with the car<\/strong> and does not require additional insurance, but <strong>should be expressly reflected<\/strong> in your policy.<\/li>\n<\/ul>\n<p>In many cases, this coverage is automatically included as part of the <strong>voluntary civil liability insurance (RCSV)<\/strong>. However, always check with your insurer.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Revisa_bien_las_condiciones_particulares\"><\/span>Check the particular conditions carefully<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>It may seem obvious, but many people don't even read the information on their policy: name, registration number, car version, coverages, deductibles...<\/p>\n<p>A mistake here can have major consequences in the event of a claim. Before signing, <strong>review or ask your advisor to review with you<\/strong> each of the sections. At <a href=\"https:\/\/lawebdeseguros.com\/en\/\">The Insurance Web<\/a> We do this work with our customers to avoid unpleasantness later on.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFComo_elegir_el_mejor_seguro_de_automovil\"><\/span>How to choose the best car insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The best insurance <strong>not the cheapest<\/strong>It's not the one that advertises the most. It is the one that best suits your needs and circumstances. To find it, you need to compare coverages, exclusions, added services and not get carried away by price alone.<\/p>\n<p>And if you are a young driver, don't rely on promises of \"miracle\" fares. There are options for you, but each case requires a personalised study. We can help you find cheap car insurance for young drivers without compromising your safety.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"vc_message_box vc_message_box-standard vc_message_box-rounded vc_color-warning\" ><div class=\"vc_message_box-icon\"><i class=\"fa fa-solid fa-circle-question\"><\/i><\/div><p><strong>Do you have any doubts? <\/strong>If after reading this article you are still not sure which <strong>motor insurance<\/strong> you need, <strong>don't worry<\/strong>. The most important thing is <strong>do not decide blindly<\/strong>. <a href=\"\/en\/contact\/\">Contact us at<\/a> Tell us about your case and we will advise you without obligation. This way you will know what steps to take to take out your insurance with all the information.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"vc_message_box vc_message_box-standard vc_message_box-rounded vc_color-info\" ><div class=\"vc_message_box-icon\"><i class=\"fa fa-solid fa-circle-info\"><\/i><\/div><p>If you would like to find out more about all the cover that you can include in your policy, we invite you to visit our section on <a href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/warranties-for-your-car-insurance-and-automobile-insurance\/\">Guarantees for your car and motor insurance<\/a>. There you will find a clear and simple explanation of each optional warranty, so you can make your decisions with confidence and without surprises.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Complete insurance for private cars. Flexible coverage including liability, damage, theft, assistance and legal defence. Ideal for daily drivers.<\/p>","protected":false},"author":2,"featured_media":2532,"parent":1895,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"_joinchat":[],"footnotes":""},"categories":[22],"class_list":["post-1943","page","type-page","status-publish","has-post-thumbnail","hentry","category-seguros-para-vehiculos","description-off"],"_links":{"self":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1943","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/comments?post=1943"}],"version-history":[{"count":0,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1943\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1895"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media\/2532"}],"wp:attachment":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media?parent=1943"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/categories?post=1943"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}