Spanish · Avería / grúa
You arrange compulsory insurance: what to say in Spanish
You arrange compulsory insurance.
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How it's done. Compulsory is seguro obligatorio (a terceros); comprehensive is a todo riesgo; the price depends on car, age and experience; ask ¿Qué cubre? (what does it cover).Prepared by the Movko team, November 2026. This is language help, not legal or medical advice: check the rules with the office itself.
Cheat sheet for your visit
The first phrase is open: tap ▶ to listen, or “Show” to show it to the other person. The rest of the dialogue is in the course in the app.
1
YOU START
Quiero contratar un seguro para mi coche. ¿Qué opciones hay?
KYEH-roh kohn-truh-TAHR oon seh-GOO-roh PAH-ruh mee KOH-cheh. Keh op-SYOH-nes igh?
I want to take out insurance for my car. What options are there?
THEY SAY
Hay el seguro a terceros, que es el obligatorio, y a todo riesgo.Igh el seh-GOO-roh uh tehr-SEH-ros, keh es el oh-blee-guh-TOH-ryoh, ee uh TOH-doh RYEHZ-goh.
There is third-party, which is compulsory, and comprehensive.
They might also say:
Tiene el básico a terceros o el completo a todo riesgo.
TYEH-neh el BAH-see-koh uh tehr-SEH-ros oh el kom-PLEH-toh uh TOH-doh RYEHZ-goh.
You have the basic third party or the full comprehensive.
2
YOU REPLY
¿Cuánto cuesta el básico?
Koo-AHN-toh koo-ES-tuh el BAH-see-koh?
How much is the basic?
THEY SAY
Unos trescientos euros al año, según su coche.OO-nos tres-SYAYN-tos EH-oo-ros ahl AH-nyoh, seh-GOON soo KOH-cheh.
About three hundred euros a year, depending on your car.
3
YOU FINISH
Gracias. Voy a pensarlo.
GRAH-syuhs. Boy uh payn-SAHR-loh.
Thanks. I'll think about it.
THEY SAY
Claro, sin compromiso. Aquí tiene mi tarjeta.KLAH-roh, seen kom-proh-MEE-soh. Uh-KEE TYEH-neh mee tuhr-KHEH-tuh.
Of course, no obligation. Here is my card.
The course is in the app
This dialogue is part of the course “Spanish for life in Spain”: 416 situations with audio, a pronunciation guide and spaced review.
On the website the first dialogue, the 112 category, the rescue phrases and the “Basics” are fully open.
Words worth knowing
Quiero
KYEH-roh
verb
I want
contratar
kohn-truh-TAHR
verb
to take out (a contract), to hire
seguro
seh-GOO-roh
noun
insurance
coche
KOH-cheh
noun
car
opciones
op-SYOH-nes
noun
options
hay
igh
verb
there is, there are
30 more words, with explanations, base forms and tap-a-word help, are in the app.
If you did not understand
¿Puede repetirlo, por favor?
Poo-EH-deh reh-peh-TEER-loh, por fuh-BOR?
Can you repeat that, please?
¿Puede hablar más despacio, por favor?
Poo-EH-deh uh-BLAHR mahs des-PAH-syoh, por fuh-BOR?
Can you speak more slowly, please?
¿Qué significa esto?
Keh seeg-nee-FEE-kuh ES-toh?
What does this mean?
Similar situations
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