01
Document overview
Indexes the official instrument governing compulsory motor cover, policyholders, injured parties and insurers.
02
Scope and exclusions
Applies to
Applies to persons, bodies, assets and procedures expressly brought by the instrument within compulsory motor cover, policyholders, injured parties and insurers, subject to later changes.
Limitations and exclusions
Does not replace road traffic, insurer licensing, voluntary own-damage terms, cross-border cover or liability outside the Law; current status and special rules require separate review.
04
Official source
Royal Decree 34/1994 · Ministry of Justice and Legal Affairs
September 13, 2026
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