If I don't use the car during the alarm state, can I cancel or cancel the insurance?

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The exceptional situation we are experiencing due to the state of alarm is raising many doubts among drivers. If you are one of them and you are considering cancelling the insurance or temporarily cancelling the car, we will explain whether you can do it or not.

Due to the mobility restrictions imposed to stop the coronavirus from advancing, most of the population hardly takes the car these days. And, as of today, we can only get behind the wheel to go buy medicines, food or other basic necessities; to go to the doctor or to work; to return to habitual residence; to care for the elderly, minors or dependents; to go to the bank or insurance entities; or due to force majeure or a situation of need.

With this in mind, you may have thought about cancelling your car insurance or temporarily cancelling it to save part of the expenses generated by your vehicle. But is it possible to do it?

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To resolve the main doubts of drivers, the General Directorate of Traffic has published on its website a series of frequently asked questions that answer these types of questions.

In this list, the DGT explains that any vehicle parked on public roads must have insurance, road tax and ITV in force. Therefore, if your car is parked on the street, you cannot cancel the insurance.

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On the other hand, as we can read on the page to process the temporary withdrawal of a vehicle electronically, if you have it parked on private property, you can process the temporary withdrawal and cancel the insurance. If you cancel your car temporarily, it will be exempt from paying road tax and you can do without insurance if you wish. Of course, keep in mind that you will not be able to circulate with it until you register it again and you have both the insurance and the circulation tax and the ITV in force.

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