Car Insurance

How to know if a Car has Insurance

Car insurance is not only mandatory, but it is highly recommended since it covers possible damages that may occur as a result of an accident to third parties and even to the vehicle. 

Car insurance is not only mandatory, but it is highly recommended since it covers possible damages that may occur as a result of an accident to third parties and even to the vehicle. It is essential, therefore, to hire car insurance that best suits our needs and that of our vehicle, so as to provide us with the best possible protection.

To do this, it is best to contact and have the experience of a good insurance advisory. This is the case of Euroteide Seguros, an insurance consultancy located in the south of Tenerife that, with more than 25 years of experience in the insurance sector, will put all its good work at your disposal to find the best car insuranceHome insurance or Life insurance —among a great infinity of products— that adapts to you and your needs.

Is it possible to know if a car has insurance?

Current legislation obliges all vehicles to circulate after signing basic car insurance: third party insurance. However, this rule is not fulfilled by all drivers, so it will sometimes be necessary to check whether or not a car has contracted third party insurance. But is it possible to know if a car has Third Party Insurance?

The answer to this question is yes. Through the Insured Vehicle Information File or FIVA, we can find out if a car has insurance or not. This data is of primary importance, since non-compliance with the legal obligation to contract car insurance entails a series of risks, both for the driver himself, as well as for other drivers and other road users, so that It must be strange that this infraction carries some financial penalties.

What is the Insured Vehicle Information File

The Informative File of Insured Vehicles, or FIVA, is a file that constitutes the official source through which information regarding whether a car circulates with Third Party Insurance or not can be obtained. This file is managed by the Insurance Compensation Consortium, so the information is not only official but is also guarded and can be consulted by anyone.

FIVA has a dual purpose :

  • Provision of the necessary information for those people who have been affected or involved in a traffic accident. Thus, these people will be able to know in the shortest possible time which insurance company is the one that covers the damages to third parties caused by the person responsible for the traffic accident.
  • Facilitation of the control and surveillance of the obligation that all drivers have to subscribe car insurance to be able to circulate with their vehicle. Thus, FIVA provides us with information regarding which drivers comply with the legal obligation to subscribe to Third Party Insurance and which drivers do not. Furthermore, this control is completely reliable, as it will be carried out by the Insurance Compensation Consortium and the General Directorate of Traffic.

How to know if a car has compulsory insurance: steps to follow

When we have suffered an accident, knowing the information regarding the insurance companies that must take care of the damages that may have been caused as a result of the accident is essential. This is why FIVA is so important. However, how can we request the information we require from this official file? Let's see what steps have to be followed:

  1. Request the required information in person

It is possible to request the information contained in the FIVA in person at any of the official delegations of the Insurance Compensation Consortium. It is only necessary to fill out an official application and present certain documentation for the application to be attended. This documentation is as follows:

  • Copy of the report of damages that have occurred in the traffic accident or, where appropriate, a copy of the friendly part of the traffic accident.
  • Specify if the information is requested on your own behalf or on behalf of another person, in which case it will be necessary to provide the corresponding documentation that proves said representation.
  1. Request the information by fax or email

Undoubtedly, via email or fax is a good and convenient way to request the information required from FIVA. Thus, all you have to do is fill out the corresponding application and send it to FIVA, either by email or by fax. In these cases, the required documentation must also be attached, being the same that must be attached when this procedure is carried out in person.

  1. Request information virtually

Without a doubt, the easiest and fastest way to consult the information we need from FIVA is through its virtual office. However, this option does not exist for everyone, but only insurance companies that meet certain quality and reliability standards will be able to consult it. Likewise, health centres and medical emergency services will be able to consult the FIVA information.

In any of the three previous cases, FIVA allows you to know reliable, official and first-hand information, which will be essential in the event of an accident. However, it should not be forgotten that the FIVA information can only be consulted freely in the event of an accident, not in other cases (for example, to check whether the company car is insured or not). In any case, the fastest way to know this information is to ask the driver responsible for the accident directly, trying to reach an amicable agreement.

Without a doubt, car insurance, in addition to being a legal obligation, is a good way to protect drivers and other road users. It is therefore essential to hire the product that best suits our needs and requirements

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