{"id":1949,"date":"2025-06-24T14:45:42","date_gmt":"2025-06-24T14:45:42","guid":{"rendered":"https:\/\/lawebdeseguros.com\/?page_id=1949"},"modified":"2025-10-17T14:06:37","modified_gmt":"2025-10-17T12:06:37","slug":"microcar-insurance","status":"publish","type":"page","link":"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/microcar-insurance\/","title":{"rendered":"Microcar 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\/microcar-insurance\/#Seguro_de_Microcoches_Lo_que_debes_saber_antes_de_contratarlo\" >Microcar Insurance: What you need to know before taking out a policy<\/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\/microcar-insurance\/#%C2%BFQue_es_un_microcoche_y_por_que_necesita_un_seguro\" >What is a microcar and why does it need insurance?<\/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\/microcar-insurance\/#Seguro_Obligatorio_para_Microcoches_%C2%BFQue_cubre\" >Compulsory Microcar Insurance: What does it cover?<\/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\/microcar-insurance\/#%C2%BFEs_obligatorio_el_seguro_para_coches_sin_carnet\" >Is insurance compulsory for cars without a licence?<\/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\/microcar-insurance\/#%C2%BFQue_coberturas_ofrece_un_seguro_basico_para_microcoche\" >What covers does a basic microcar insurance offer?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/microcar-insurance\/#Seguro_economico_para_microcoches_%C2%BFes_posible\" >Affordable microcar insurance: is it possible?<\/a><\/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\/microcar-insurance\/#Diferencias_entre_el_seguro_de_un_microcoche_y_el_de_un_coche_convencional\" >Differences between microcar insurance and conventional car insurance<\/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\/microcar-insurance\/#%C2%BFComo_contratar_un_seguro_para_microcoche\" >How to take out microcar insurance?<\/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\/microcar-insurance\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Seguro_de_Microcoches_Lo_que_debes_saber_antes_de_contratarlo\"><\/span>Microcar Insurance: What you need to know before taking out a policy<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Although microcars may seem harmless because of their size and limited power, the law does not treat them so lightly. Did you know that, just like any other motor vehicle, they must also be insured? Many users are surprised to discover that driving a microcar without an insurance policy can lead to serious penalties. But how do you take out insurance for a microcar and what cover is necessary? Here we solve all your doubts.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_es_un_microcoche_y_por_que_necesita_un_seguro\"><\/span>What is a microcar and why does it need insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A microcar, also known as a car without a licence, is a light vehicle, usually a two-seater, which can be driven with an AM licence. It has grown in popularity, especially among young and older people seeking autonomy without a B licence.<\/p>\n<p>Despite their size and limitations, they are considered to be motor vehicles, which means that they <strong>must have compulsory civil liability insurance<\/strong>. This legal obligation is the same as for a conventional passenger car.<\/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\">Drive your microcar in complete safety<\/p>\n                <\/header>\n                <p class=\"cta_general cta-heading h3\">Insure your vehicle without a licence and avoid unnecessary penalties. We help you find the ideal insurance for you.<\/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=Conduce+tu+microcoche+con+total+seguridad\" 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=\"Seguro_Obligatorio_para_Microcoches_%C2%BFQue_cubre\"><\/span>Compulsory Microcar Insurance: What does it cover?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Every microcar owner is required to hire at least one <strong>civil liability insurance<\/strong>The insurance policy shall cover damage to property and personal injury that may be caused to third parties in the course of traffic. This is the <strong>basic microcar insurance<\/strong> and their employment is mandatory by law.<\/p>\n<p>However, there are additional coverages that can offer you greater peace of mind, such as:<\/p>\n<ul>\n<li><strong>Legal defence<\/strong><\/li>\n<li><strong>Travel assistance<\/strong><\/li>\n<li><strong>Theft or fire<\/strong><\/li>\n<li><strong>Own damage<\/strong> (optional, not always available)<\/li>\n<\/ul>\n<p>Not all insurers include these guarantees in their policies, so it is worth reviewing in detail what each company offers.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFEs_obligatorio_el_seguro_para_coches_sin_carnet\"><\/span>Is insurance compulsory for cars without a licence?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Yes, absolutely. Although many people believe that, as smaller and less powerful vehicles, microcars do not need insurance, <strong>Spanish law states that all motor vehicles must be insured.<\/strong> if it is on public roads. This includes cars without a licence.<\/p>\n<p>In fact, not having this insurance can lead to significant financial penalties, immobilisation of the vehicle and legal problems in the event of an accident.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_coberturas_ofrece_un_seguro_basico_para_microcoche\"><\/span>What covers does a basic microcar insurance offer?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The <strong>basic microcar insurance<\/strong> is one that only covers compulsory civil liability. In other words, if you have an accident and cause damage to another person or their property, the insurance will be liable.<\/p>\n<p>That's right, <strong>will not cover damage to your own vehicle<\/strong>Theft, fire or repair costs. If you are looking for more protection, you can add optional covers that some insurers include in their more comprehensive packages.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Seguro_economico_para_microcoches_%C2%BFes_posible\"><\/span>Affordable microcar insurance: is it possible?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Finding a <strong>economic insurance for microcars<\/strong> is not always straightforward. As this type of vehicle is not as widespread, they are <strong>few companies offer specific policies<\/strong>. And when there is little competition, prices tend to rise.<\/p>\n<p>However, at La Web de Seguros we work with a network of specialised insurers and make a comparative comparison for <strong>finding the best possible option without compromising on quality of service<\/strong>.<\/p>\n<p>If you are looking for an economical and suitable option for your microcar, we recommend that you contact us. We will analyse your case and tell you the steps you need to take to contract it.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Diferencias_entre_el_seguro_de_un_microcoche_y_el_de_un_coche_convencional\"><\/span>Differences between microcar insurance and conventional car insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Although many coverages are similar, <strong>microcar insurance and conventional car insurance are not the same.<\/strong>. The main differences are usually in:<\/p>\n<ul>\n<li><strong>The type of cover available<\/strong> (some warranties do not apply to microcars).<\/li>\n<li><strong>Driver profile<\/strong> (usually younger or without a traditional driving licence).<\/li>\n<li><strong>The availability of insurers<\/strong> (many do not include microcars in their catalogue).<\/li>\n<\/ul>\n<p>This means that <strong>comparison and professional advice become even more important<\/strong> in this type of policy.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFComo_contratar_un_seguro_para_microcoche\"><\/span>How to take out microcar insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Since not all companies offer this type of insurance and coverages can vary widely, the best option is to <strong>to a specialist insurance adviser<\/strong> who can guide you. At La Web de Seguros we can help you understand what cover you need and which insurers are available to you according to your profile.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The <strong>microcar insurance<\/strong> is a legal obligation that can also save you a lot of hassle in the event of an incident. Although there are fewer options on the market, good advice can make all the difference and help you get an affordable policy that suits your needs.<\/p>\n<p>Remember: even if the microcar is small, <strong>the responsibility as a driver is just as great<\/strong>. Don't leave this issue for tomorrow. If you have any doubts, contact us and we will help you make the best decision.<\/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-info\" ><div class=\"vc_message_box-icon\"><i class=\"fa fa-solid fa-circle-info\"><\/i><\/div><p>If you want to know in more detail the guarantees that can be included in your policy, we recommend you to visit our section of <a href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/motorbike-insurance-warranties\/\" target=\"_blank\" rel=\"noopener\">insurance guarantees<\/a>. Although geared towards motorbikes, many of these coverages also apply to microcar insurance, and can help you better understand what protection options are available to you.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Ideal solution for small urban vehicles. Coverage adapted to their characteristics and daily use, including civil liability, theft and assistance.<\/p>","protected":false},"author":2,"featured_media":2663,"parent":1895,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"_joinchat":[],"footnotes":""},"categories":[22],"class_list":["post-1949","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\/1949","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=1949"}],"version-history":[{"count":0,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1949\/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\/2663"}],"wp:attachment":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media?parent=1949"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/categories?post=1949"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}