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Motor insurance renewal in Andorra

Written from published rules on 27 August 2026. Not monitored for changes since. A starting point, not official advice — confirm anything that matters with Autoritat Financera Andorrana (Andorran Financial Authority). Rules here vary, so check carefully.

Renewing motor insurance in Andorra involves updating the policy contract with an authorized insurance company to maintain legal coverage for vehicle operation. Most renewals occur on an annual basis and require ensuring that all vehicle and driver information remains current with the insurer.

Your timing

It is generally advised to begin the renewal process at least 30 days before the existing policy expires. This allows sufficient time to compare quotes, address any potential changes in coverage requirements, and ensure the new documentation is processed and received without a lapse in mandatory coverage.

Start 30 days ahead

Advance preparation ensures there is no period where the vehicle is uninsured, which is a legal requirement for all registered vehicles in Andorra.

The process

  1. 1Contact the current insurance provider or a licensed insurance broker to request a renewal quote.
  2. 2Review the policy terms, coverage limits, and any necessary adjustments to vehicle or driver data.
  3. 3Submit the required documentation and confirm the updated premium amount.
  4. 4Complete the payment of the insurance premium through the insurer's accepted payment methods.
  5. 5Obtain the renewed insurance certificate (carta verda or equivalent documentation) to keep in the vehicle.

What to bring

  • Current insurance policy document
  • Vehicle registration document (Permís de circulació)
  • Valid identification (DNI or passport)
  • Proof of payment or bank details for premium collection

Who handles it

Autoritat Financera Andorrana (Andorran Financial Authority)

https://www.afa.ad/

Premiums vary significantly based on vehicle type, driver history, and selected coverage levels; specific current rates must be confirmed directly with the chosen insurance company.

What commonly goes wrong

  • Ensure that any changes in vehicle usage or driver details are updated to avoid future claim denials.
  • Verify that the renewal certificate reflects the correct registration number and coverage period.
  • Avoid gaps in coverage, as operating a vehicle without valid insurance is prohibited under Andorran law.

Sources

This guide is based on one official source.

Other documents in Andorra

Motor insurance renewal in other countries

Often renewed together

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