Question 1

Do I need to add a second driver to my car insurance policy in Mallorca?

Accepted Answer

In Spain, the insurance policy is tied to the vehicle, but it strictly evaluates the risk of the declared drivers. Generally, anyone over the age of 25 with at least two years of driving experience can drive your car under a standard policy. However, if you plan to let a 20-year-old with a new license drive your vehicle, they must be explicitly named on the policy; otherwise, the insurer may refuse a claim.

Question 2

Is car insurance cheaper in Mallorca than in mainland Spain?

Accepted Answer

Car insurance premiums are calculated based on risk, vehicle type, and location. Because Mallorca is an island with a high density of vehicles and a massive influx of summer rental cars, accident frequencies can be higher in certain municipalities. However, rates remain highly competitive, and bundling your car insurance with your home or marine policy can lower costs significantly.

Question 3

Do I need an International Driving Permit (IDP) in Mallorca?

Accepted Answer

If you hold a valid driving license from an EU country, you do not need an IDP. If you hold a UK license, following Brexit, you can drive as a tourist for up to six months without an IDP. However, U.S. and Canadian citizens must carry an International Driving Permit alongside their domestic license to drive legally in Spain.

Question 4

Can I use my No-Claims Bonus from my home country in Mallorca?

Accepted Answer

Yes, in many cases, you can. If you are relocating from the UK, Germany, or another European country, obtain an official "Certificate of No Claims" from your previous insurer, this may allow for a discounted premium.

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