Short answer
In Andorra the law requires insurance for cars and motorbikes (third-party liability of at least 50 million euros), e-scooters and other personal mobility vehicles, the CASS for anyone who works, liability for tenants and landlords, the building for communities of owners, hunting, dangerous dogs and some regulated professions. Health insurance is compulsory for passive residents and digital nomads. Life insurance is not compulsory, although a bank may ask for it with a mortgage.
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Key facts
- Car and motorbike liability insurance must cover at least 50,000,000 € per claim
- Source: Llei 12/2021, art. 98
- The tenant needs a policy for damage they cause, the landlord one for damage the tenant or others suffer
- Source: Llei 15/2022, arts. 25.5 and 26.7
- Hunters must hold liability cover of 240,000 €
- Source: Llei 18/2024, art. 18.2
- Owners of dangerous dogs need liability cover of at least 240,000 €
- Source: Reglament R20210901H
The list
| Insurance | Who must have it | Source |
|---|---|---|
| Car and motorbike liability | Every vehicle on the road | Llei 12/2021, art. 98 |
| E-scooters and personal mobility vehicles | Every user | Govern regulation, November 2022 |
| CASS | Employees and the self-employed | Llei 17/2008 |
| Damage caused to the landlord or others | The tenant | Llei 15/2022, art. 26.7 |
| Damage suffered by the tenant or others | The landlord | Llei 15/2022, art. 25.5 |
| Building and third-party cover | The community of owners | Llei 12/2004, art. 14 |
| Hunting liability | Hunters | Llei 18/2024, art. 18.2 |
| Dangerous dogs | Their owners | Reglament R20210901H |
| Professional liability | Some regulated professions | Llei 6/2008 |
| Health | Passive residents and digital nomads | Govern immigration rules |
Car and motorbike
The contract must last at least a year and cover 50,000,000 € per claim. Driving without insurance means the vehicle is immobilised (art. 98.6), and the ITV checks that the insurance is in force (art. 99.3). See car insurance in Andorra.
E-scooters
Since the Govern's regulation of November 2022, every user of a personal mobility vehicle must be able to show third-party liability insurance.
Your home
If you rent, you must keep a policy for damage you cause to the landlord or to others (Llei 15/2022, art. 26.7). A landlord needs one for damage the tenant or others may suffer (art. 25.5). In a block of flats, the community's budget has to include building insurance and third-party cover (Llei 12/2004, art. 14).
Hunting and dogs
Hunters need liability cover of 240,000 € (Llei 18/2024, art. 18.2, implemented by the hunting regulation of June 2025). Owners of dogs classed as dangerous need cover of at least 240,000 €.
Health for residents without work
Passive residents and digital nomads don't contribute to the CASS, so their permit depends on a private policy. See the passive residency health policy and the digital nomad permit.
What is not compulsory
Life insurance, ski insurance and a CASS top-up are voluntary. A bank may make life insurance a condition of a mortgage, but that is a contract term, not a law. Whatever you take out, check the company in the list of licensed insurers.
Frequently asked questions
Is home insurance compulsory in Andorra?
For tenants, yes: Llei 15/2022 requires a policy for damage the tenant causes to the landlord or to others. The landlord needs one too.
What is the minimum car insurance in Andorra?
Third-party liability of 50,000,000 € per claim, on a contract of at least a year.
Do I need insurance for an electric scooter?
Yes. Users of personal mobility vehicles must have third-party liability cover.
Is health insurance compulsory?
If you work, the CASS covers you and a private policy is optional. If you are a passive resident or digital nomad, a private policy is required.
Is life insurance compulsory with a mortgage?
No law requires it. The bank may ask for it as a condition of the loan.
Sources
- Codi de la circulació, Llei 12/2021, art. 98
- Llei 15/2022 on urban leases, arts. 25 and 26
- Llei 12/2004 on shared ownership, art. 14
- Llei 17/2008 on social security
- Govern d'Andorra: insurance for personal mobility vehicles
- Llei 18/2024 on hunting, art. 18.2
- Hunting regulation, June 2025
- Regulation on dangerous dogs
- Llei 6/2008 on regulated professions
How we checked this guide
We checked every figure against the official sources listed at the end and reviewed this page on 14 October 2026. Seguros Andorra is not an insurance intermediary: we explain how insurance works, we do not sell it. If something has changed, let us know. Our method is described on how we work (in Spanish).
Keep reading
- Car insuranceCompulsory car insurance in Andorra, foreign plates and the green card.
- Moving checklistThe insurances a newcomer to Andorra needs, in the order they come up.
- Licensed insurersThe 23 insurers authorised by the AFA in Andorra and how to check one.
- The CASS explainedRefund rates of the CASS in Andorra, who is covered and when cover starts.
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