Tax, Insurance and Recovery

Information on car tax, insurance and what to do in the event of an accident..


The Marchamo is the obligatory annual car tax and compulsory insurance policy regulated by the Instituto Nacional de Seguros. It ensures that all cars that can legally be driven on the road have a form of insurance protection.

The insurance policy incorporates an annual car tax, which increases or decreases according to the age and weight of the vehicle. It must be paid between mid November and the end of December every year.

The tax can be paid at most banks, at offices of the Ministerio de Obras Públicas y Transportes (MOPT) or online at the INS website (in Spanish).

  • For information on the amount to pay: Click here (in Spanish)

It is worth noting that the Marchamo cannot be paid if there are any outstanding fines (multas) attached to the vehicle or if there is no roadworthiness (RTV) certificate.

When the tax has been paid, the receipt should be kept in the vehicle and the sticker should be placed in the windscreen.

Additional insurance and breakdown cover

Some private individuals choose to have the added protection of personal motor insurance policies in addition to the compulsory insurance. As well as giving added insurance cover, they also come with breakdown cover.

For an additional fee it is possible to incorporate basic breakdown cover into the Marchamo.


In the event of an accident, vehicles must not be moved until both the police and an insurance assessor have made reports. It is advisable, if possible, to take photographs of the accident.

  • For the emergency services - Tel: 911