Insurance That Matches How You Actually Ride
A daily scooter commute and a weekend touring bike don't carry the same risk — your insurance shouldn't be priced like they do. Ask us for quotes built around your actual riding.
No hard sell, no named insurer favored — just real quotes explained plainly.
Why Choose Confialy for Your Motorcycle Insurance
A low-cc scooter used for short city commutes usually only needs the legal minimum, since the vehicle's own value is low. A larger touring or sport bike carries more value and often more risk exposure, so own-damage and gear cover start to make financial sense. The fit depends on engine size, how often you ride, and what the bike would cost to replace.
Compare across scooters, commuter bikes, and larger motorcycles.
Clear coverage summaries — no jargon to decode before you can compare.
We flag legally required minimums clearly so you know what's non-negotiable vs. optional.
Who Is Motorcycle Insurance For?
You commute daily on a scooter and want cover that reflects low-speed city risk.
You ride a larger bike and want comprehensive protection, not just the legal minimum.
You're new to riding in Spain and aren't sure what's actually required.
What Does Motorcycle Insurance Cover in Spain?
- Third-party liability (legal minimum). Injury or damage caused to others — required to legally ride in Spain.
- Theft & fire. Your bike against theft or fire, typically from mid-tier plans upward.
- Own-vehicle damage. Repairs to your own bike after an accident, available on comprehensive plans.
- Rider accident cover. Personal injury cover for the rider, sometimes separate from the vehicle policy.
- Passenger cover. Injury to a pillion passenger — not automatic on every policy, worth confirming if you ride two-up.
- Roadside assistance. Towing home or to a garage after a breakdown — especially useful since a broken-down bike can't just be left at the roadside.
- Legal defense for traffic incidents. Legal representation after an accident or a fine dispute.
- Vandalism. Scratches or deliberate damage while parked — relevant since bikes are usually left outdoors.
- Gear cover. Helmet and riding jacket damaged in a covered accident — not included on every plan.
Worth checking before you buy
Whether gear (helmet, jacket) is actually covered if damaged in a covered accident — many basic plans cover only the bike, not what you were wearing.
Exact coverage, limits and exclusions depend on the insurer and plan you select — full policy conditions are shown before you buy.
How to Get Your Motorcycle Insurance Quote in 4 Steps
Send us your details
A short message through our contact form — no obligation to buy.
We compare real quotes
We check offers from multiple insurers on your behalf.
You choose the plan
We explain the options in plain language. No push toward any one insurer.
We help you get covered
We stay in touch until your policy is active.
Frequently Asked Questions About Motorcycle Insurance in Spain
Is motorcycle insurance mandatory in Spain?
Yes — third-party liability cover is legally required, the same as for cars.
Does engine size affect my motorcycle insurance price?
Significantly, yes — larger engines are typically priced higher; we show you real numbers for your specific bike rather than a generic estimate.
Is a scooter treated the same as a motorcycle for insurance purposes?
Requirements and pricing can differ by engine size and license category — this is accounted for automatically in your quote.