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HomeFINANCEWhat coverage do I have with my motorcycle insurance abroad?

What coverage do I have with my motorcycle insurance abroad?

In a survey carried out by the insurer AMV, 60% of those surveyed do not know what their insurance covers when they leave Spain. Read on to clear all your doubts.

August is the month par excellence to organize a motorcycle route, the holidays and the good weather encourage many bikers to tune up their vehicles and devour kilometers beyond our borders. And it is that, according to data from the insurer AMV, four out of ten Spaniards who travel abroad by motorcycle do so in August.

Prepare the luggage, tune up our motorcycle, organize the stops along the way, all the necessary equipment for our driving safety, check the intercoms if we are accompanied, review the budget we have, check the first aid kit and the kit of basic tools and spare parts, and of course, prepare the “motorcycle papers” among which is our insurance. But, do we know what coverage we have outside our borders? Well, AMV has asked its users and six out of ten are not sure what their insurance covers abroad. Therefore, its experts show us everything we should take into account:

Coverage valid outside of Spain

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Currently, the types of insurance that are commonly offered by insurers and that are usually valid outside of Spain are: to third parties, extended third parties, third parties with theft and fire and all risk. In addition, depending on the company, coverage such as driver accidents, roadside assistance with towing service and equipment can be added to these.

In the general and particular conditions of each of the insurances The guarantees that have been contracted must be reflected, and what the subscribed policy covers. But, if we have one of them, we will be protected in the same way as in Spain and with the same coverage.

In which countries is your insurance valid?

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The countries that make up the European Economic Area. It includes the states of the European Union (Germany, Belgium, Croatia, Denmark, Spain, France, Ireland, Latvia, Luxembourg, the Netherlands, Sweden, Bulgaria, Slovakia, Estonia, Greece, Malta, Poland, the Czech Republic, Austria, Cyprus, Slovenia, Finland, Hungary, Italy, Lithuania, Portugal and Romania), as well as Iceland, Liechtenstein and Norway.

Also in the countries adhering to the Multilateral Guarantee Agreement: Andorra, Bosnia-Herzegovina, Iceland, Montenegro, United Kingdom, Norway, Serbia and Switzerland, as well as in Vatican City, Gibraltar, Monaco and San Marino. Finally, you must remember that it is mandatory to have insurance.

Green card and CIS: what do they mean?

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Well basically it’s the same, his real name is International Civil Liability Insurance Certificate of land vehicle automobiles, now known as CIS. Until 2021 in Spain it was popularly known as the “Green Card” because it was printed on paper of that color. However, as of that date, its format is digital and its printing is done on a blank sheet of paper.

The first thing we must say is that This mandatory civil liability coverage is included in all types of insurance, therefore, with it we can demonstrate that we have motorcycle insurance abroad. And by foreign we mean the countries adhering to the Interbureaux Agreement: Albania, Azerbaijan, Belarus, Iran, Israel, Macedonia, Morocco, Moldova, Russia, Tunisia, Turkey and Ukraine.

The CIS, in addition to demonstrating that we are insured, It protects us when we are guilty of a traffic accident and cause damage to other vehicles or people. That is, to third parties. So our insurance company will be responsible for compensating for these damages that we may cause. Regarding the validity of the CIS, it ranges between 15 days and one year from the date of issuance of the document.

How to get the CIS

Although insurance companies are not required to issue the CIS, most of them do. Some include it directly with the insurance policy and it will simply have to be renewed in case it has expired and others will give it to us if we request it. As each company has its procedure, it is best to contact them and have them explain how to achieve it. In addition, for this reason, it is very important to see the coverage offered by the different companies before hiring insurance and if we plan to travel abroad, make sure that they offer us the CIS.

Border Insurance: the solution if we do not obtain the CIS

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In the event that the insurance company with which we have contracted the insurance does not provide us with the CIS, to travel through the countries adhering to the Interbureaux Agreement we would have to contract a Border Insurance. It is a temporary International Certificate of Insurance that we can acquire through the Network of National Insurance Offices and only contemplates the compulsory Civil Liability guarantee, that is, to third parties, so it does not cover roadside assistance damages from our vehicle, legal defenseā€¦ Hiring it is similar to insurance, the cost is calculated, the premium is collected and the documentation is delivered.

It is very important to keep in mind that, unlike the CIS, the Border Insurance It is only valid for one country. So we will have to take out insurance every time we visit one of the states adhering to the Interbureaux Agreement.

Finally, and although the regulations may change in each country, it is convenient that we carry with us the three mandatory “papers” to circulate in Spain: the driver’s license, the circulation permit and the Vehicle Technical Inspection Card. In addition, although in our country, the motorcycle insurance receipt is not mandatory to carry, since traffic agents can check if a vehicle is insured by consulting the Information File of Insured Vehicles (FIVA), abroad they will not be able to check it so, without a doubt, it is also convenient to take it with us.

Check the territorial scope of the voluntary coverage

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In the event that we have contracted insurance with coverage such as roadside assistance, or towing service, we must also check the territorial scope of the same and in which countries they would cover us. For example, from AMV with the optional Travel Assistance coverage, vehicle assistance is included in Europe and the countries bordering the Mediterranean 24 hours a day, 365 days a year, towing service, transfer of the insured and companion, advice on fines and even an App with a geolocator.

Pay attention to the security elements of each country

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Finally, in the event that we have suffered some type of mishap, it is very important know what are the security elements that we must carry in the country in which we find ourselves. Thus, while in Spain, the emergency triangles, the reflective vest, the first aid kit, the triangles, or the new V16 light signal (with or without geolocation) that came into force last year are not mandatory, in other countries are, all of them, or only some of them.

For example, in France it is compulsory to wear a reflective vest in the event of a stop, while in Romania, in addition to the vest, triangles and a first aid kit are also compulsory. Therefore, it will be necessary to find out about the legislation of each country in which we are going to enter before starting.

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