{"id":6675,"date":"2026-03-25T10:45:29","date_gmt":"2026-03-25T10:45:29","guid":{"rendered":"https:\/\/grupoxandra.eu\/?p=6675"},"modified":"2026-03-25T15:36:13","modified_gmt":"2026-03-25T15:36:13","slug":"franquicia-uitgelegd-de-vrijstelling-bij-uw-autoverzekering-in-spanje","status":"publish","type":"post","link":"https:\/\/grupoxandra.eu\/en\/2026\/03\/25\/franquicia-uitgelegd-de-vrijstelling-bij-uw-autoverzekering-in-spanje\/","title":{"rendered":"Franchise explained: the deductible on your car insurance in Spain"},"content":{"rendered":"<p class=\"wp-block-paragraph\">In Spain someone\u00a0<strong>All-Risk Car Insurance (Todo Riesgo)<\/strong>\u00a0closed, almost always sees the word\u00a0<strong>franchise<\/strong>\u00a0in the policy are listed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In Dutch we speak of a\u00a0<strong>Exemption<\/strong>\u00a0<strong>of own risk<\/strong>).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Many drivers know that it has \u2018something to do with the deductible.\u2019.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But what does that mean specifically for your car?<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">What is a franchise (exemption)?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A&nbsp;<strong>franchise<\/strong>&nbsp;or&nbsp;<strong>Exemption<\/strong>&nbsp;is the amount you pay yourself for damage to your own vehicle before the insurer intervenes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This applies exclusively to damage to\u00a0<strong>your own car<\/strong>\u00a0within a <strong><a href=\"https:\/\/grupoxandra.eu\/en\/2026\/02\/10\/waarom-een-all-risk-autoverzekering-in-spanje-vaak-toch-zinvol-is\/\">All Risk Coverage<\/a><\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Example:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your policy has a <strong>franchise\/exemption of \u20ac300<\/strong><\/li>\n\n\n\n<li>You caused the accident yourself.<\/li>\n\n\n\n<li>The repair costs \u20ac2,400.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You pay \u20ac300.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The insurer pays \u20ac2,100.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Is the damage \u20ac250?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dan pays for everything himself.<\/p>\n\n\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">When does the exemption apply?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When it comes to car insurance in Spain, the <strong>franchise usually at<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Damage by <strong>a mistake<\/strong><\/li>\n\n\n\n<li><strong>Parking damage<\/strong> without counterparty<\/li>\n\n\n\n<li><strong>Vandalism<\/strong><\/li>\n\n\n\n<li><strong>Too bad<\/strong> by a <strong>unknown<\/strong> Perpetrator<\/li>\n\n\n\n<li><strong>Collision with<\/strong> a <strong>pole<\/strong>, <strong>wall<\/strong> or <strong>curbstone<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In case of damage to third parties (<strong>civil liability<\/strong>is there <strong>no exemption<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The insurer will then pay in full according to the coverage.<\/strong><\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">Large amount or percentage?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In Spanish car insurance, the deductible is usually a <strong>large sum<\/strong>, for example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u20ac200<\/li>\n\n\n\n<li>\u20ac300<\/li>\n\n\n\n<li>\u20ac600<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The higher the deductible, the lower the premium is typically.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A percentage exemption is less common for vehicles, but can occur with specific contracts or leasing formulas.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">Why do Spanish car insurance policies work with a deductible?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">An exemption ensures that:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>minor damage not automatically <\/strong>be<strong> indicated<\/strong><\/li>\n\n\n\n<li><strong>affordable housing<\/strong> stay<\/li>\n\n\n\n<li>drivers <strong>more conscious approach<\/strong> with <strong>damage claims and <a href=\"https:\/\/grupoxandra.eu\/en\/2026\/02\/04\/schadeafhandeling-in-spanje-wat-kunt-u-realistisch-verwachten\/\">how to correctly report damage in Spain<\/a><\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At <strong>Spain<\/strong> come <strong>many more minor damages<\/strong> for then in Belgium or the Netherlands, such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>scratching in parking lots<\/li>\n\n\n\n<li>light collisions in narrow streets<\/li>\n\n\n\n<li>tourist traffic<\/li>\n\n\n\n<li>seasonal crowds<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With a deductible, you pay for smaller repairs yourself, while remaining protected against larger costs.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">What is a sensible choice?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">That depends on your situation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A <strong>higher exemption<\/strong> can be interesting if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>u <strong>seldom damage has<\/strong><\/li>\n\n\n\n<li>you <strong>financial reserve<\/strong><\/li>\n\n\n\n<li>you are <strong>want to keep the premium lower<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A <strong>lower exemption<\/strong> can provide more peace of mind if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>u <strong>often drives in busy cities<\/strong><\/li>\n\n\n\n<li>your <strong>car still a high value<\/strong> has<\/li>\n\n\n\n<li>u <strong>unexpected costs<\/strong> want <strong>avoid<\/strong><\/li>\n<\/ul>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">Summary<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Franchise<\/strong> is the Spanish term for <strong>Exemption<\/strong><\/li>\n\n\n\n<li>It is the amount you pay yourself for damage to your own vehicle<\/li>\n\n\n\n<li>It applies to <strong>All Risk<\/strong> (<strong>Todo Riesgo<\/strong>)<\/li>\n\n\n\n<li><strong>Third-party damage is not covered.<\/strong><\/li>\n\n\n\n<li>She <strong>influences<\/strong> <strong>directly<\/strong> your <strong>premature<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Anyone who understands how the excess works will not be surprised by damages and can make a conscious choice within Spanish car insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Are you unsure about your car insurance or deductible? Avoid unexpected costs in case of damage. <strong><a href=\"https:\/\/grupoxandra.eu\/en\/autoverzekering\/\">Receive your car insurance proposal<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Wie in Spanje een\u00a0All Risk-autoverzekering (Todo Riesgo)\u00a0afsluit, ziet bijna altijd het woord\u00a0franquicia\u00a0in de polis staan. In het Nederlands spreken we van een\u00a0vrijstelling\u00a0(of eigen risico). Veel bestuurders weten dat het \u2018iets met eigen risico\u2019 is. Maar wat betekent dat concreet voor uw wagen? Wat is een franquicia (vrijstelling)? Een&nbsp;franquicia&nbsp;of&nbsp;vrijstelling&nbsp;is het bedrag dat u bij schade aan [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":6672,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[39],"tags":[49],"class_list":["post-6675","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-mobiliteit","tag-uitleg-begrip"],"_links":{"self":[{"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/posts\/6675","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/comments?post=6675"}],"version-history":[{"count":12,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/posts\/6675\/revisions"}],"predecessor-version":[{"id":6713,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/posts\/6675\/revisions\/6713"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/media\/6672"}],"wp:attachment":[{"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/media?parent=6675"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/categories?post=6675"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/tags?post=6675"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}