Free Vehicle Loan Agreement Template in Estepona: Download Word and PDF

If you are planning to lend your car, motorcycle, or van to a family member, friend, or employee in Spain without charging any rent, you need a legal document known as a Contrato de Comodato de Vehículo. This is a free vehicle loan agreement that protects both the owner and the driver, clarifying responsibilities regarding fines, maintenance, and insurance while driving around Estepona and the rest of Spain.

Instructions on how and where to submit it in Estepona

Unlike a vehicle sale or transfer of ownership, a private loan agreement does not need to be submitted to the DGT (Dirección General de Tráfico) if the original owner remains the registered holder of the vehicle. However, it is highly recommended to follow these steps in Estepona for your legal security:

• Signing: Both parties must sign two physical copies of the bilingual contract, preferably in the presence of a witness or authenticated digitally.
• Notification to Insurance: Inform your car insurance company in Estepona that a secondary driver will be using the vehicle regularly, ensuring there are no coverage issues in case of an accident.
• Traffic Fines: If the driver gets caught by speed cameras on the AP-7 or A-7 near Estepona, having this signed contract proves who was actually driving at the exact time of the infraction, simplifying the process of identifying the driver to local authorities.
• Town Hall (Ayuntamiento de Estepona): If you need to register the vehicle for resident parking benefits or special permits, present the signed contract at the OAC (Oficina de Atención Ciudadana) of Estepona Town Hall along with your padrón certificate.

CONTRATO DE COMODATO DE VEHÍCULO (PRÉSTAMO GRATUITO) / FREE VEHICLE LOAN AGREEMENT

En Estepona (Málaga), a [Día] de [Mes] de [Año].
In Estepona (Málaga), on [Day] of [Month], [Year].

REUNIDOS / PARTIES

De una parte, D./Dña. [Nombre del Propietario], mayor de edad, con DNI/NIE [Número] y domicilio a estos efectos en [Dirección en Estepona], en adelante el COMODANTE (el propietario).
On one part, Mr./Ms. [Owner's Name], of legal age, with ID/NIE [Number] and address at [Address in Estepona], hereinafter the LENDER.

Y de otra parte, D./Dña. [Nombre del Precarista/Conductor], mayor de edad, con DNI/NIE [Número] y domicilio en [Dirección], en adelante el COMODATARIO (el conductor autorizado).
And on the other part, Mr./Ms. [Borrower's Name], of legal age, with ID/NIE [Number] and address at [Address], hereinafter the BORROWER.

Ambas partes reconocen mutua y recíproca capacidad legal para obligarse y, a tal fin,
Both parties recognize mutual and reciprocal legal capacity to bind themselves and, to that end,

EXPONEN / DECLARE

PRIMERO.- Que el COMODANTE es el legítimo propietario del vehículo cuyas características son:
FIRST.- That the LENDER is the legitimate owner of the vehicle with the following features:
- Marca / Make: [Marca]
- Modelo / Model: [Modelo]< matrícula / license plate: [Matrícula]
- Bastidor / VIN: [Número de bastidor]

SEGUNDO.- Que el COMODANTE cede el uso gratuito del mencionado vehículo al COMODATARIO, quien lo acepta en las siguientes:
SECOND.- That the LENDER transfers the gratuitous use of the aforementioned vehicle to the BORROWER, who accepts it under the following:

CLÁUSULAS / CLAUSES

PRIMERA. CARÁCTER GRATUITO: El presente contrato es de carácter estrictamente gratuito (comodato). El COMODATARIO no está obligado a pagar ninguna contraprestación económica por el uso del vehículo.
FIRST. GRATUITOUS NATURE: This contract is strictly gratuitous. The BORROWER is not obliged to pay any financial consideration for the use of the vehicle.

SEGUNDA. DURACIÓN: El plazo de duración de este préstamo será de [Indicar duración, ej: 1 año / indefinido], comenzando el día de la fecha de firma del presente documento. El COMODANTE podrá reclamar la devolución del vehículo en cualquier momento según lo previsto legalmente.
SECOND. DURATION: The duration of this loan shall be [Indicate duration, e.g., 1 year / indefinite], starting on the date of signature. The LENDER may demand the return of the vehicle at any time as provided by law.

TERCERA. GASTOS Y RESPONSABILIDADES: Serán de cuenta exclusiva del COMODATARIO todos los gastos derivados del uso del vehículo, tales como carburante, peajes, mantenimiento ordinario, ITV, así como el pago de las multas o sanciones de tráfico que se impongan durante la vigencia de este contrato. El seguro obligatorio correrá a cargo del [COMODANTE / COMODATARIO].
THIRD. EXPENSES AND RESPONSIBILITIES: All expenses derived from the use of the vehicle, such as fuel, tolls, routine maintenance, ITV, as well as traffic fines incurred during the term of this contract, shall be borne exclusively by the BORROWER. Mandatory insurance shall be paid by the [LENDER / BORROWER].

Y en prueba de conformidad, ambas partes firman el presente documento por duplicado en Estepona, en el lugar y fecha al principio indicados.
In witness whereof, both parties sign this document in duplicate in Estepona, on the date and place indicated above.

Fdo. El Comodante / Signed Lender: _________________      Fdo. El Comodatario / Signed Borrower: _________________

Additional documentation required

To ensure that this agreement is legally binding and effective when dealing with insurance companies or local authorities in Estepona, make sure to gather and attach the following documents:

• Photocopy of the DNI, NIE, or Passport of both the owner (comodante) and the driver (comodatario).
• Photocopy of the vehicle's Permiso de Circulación (Registration Certificate).
• Photocopy of the Ficha Técnica (Technical Inspection Card), ensuring the vehicle has a valid ITV.
• Proof of current vehicle insurance policy, verifying terms regarding secondary drivers.

As an expert tip, keeping a signed copy of this agreement inside the glove compartment of the car while driving around the Costa del Sol can save you from unnecessary administrative headaches and clearly establish liability in unexpected roadside situations.