Download Your Free Vehicle Loan Agreement (Comodato) Template in María de Huerva (Word/PDF)

If you are planning to lend your car to a family member, friend, or employee in María de Huerva, doing it with a handshake is never a good idea. To protect yourself from unexpected traffic fines, civil liability, or insurance issues, you need a formal Vehicle Loan Agreement—known in Spain as a Contrato de Comodato de Vehículo. This concept refers to a free-of-charge, legal loan of a movable asset (in this case, a vehicle) where the borrower (comodatario) can use the car temporarily and must return the exact same vehicle in the agreed condition. Below, you will find a complete guide on how to regulate this in María de Huerva along with a bilingual, ready-to-use template.

Instructions on how and where to submit it in María de Huerva

Unlike vehicle transfers (sale and purchase), a private vehicle loan agreement does not strictly need to be registered at the DGT (Dirección General de Tráfico) if the original owner remains the registered holder on the vehicle permit (permiso de circulación). However, to avoid problems with local authorities, speed cameras, or municipal parking fines issued by the Ayuntamiento de María de Huerva, it is highly recommended to follow these steps:

• Signatures: Both parties must sign the contract. While not legally mandatory to notarize it, signing it in front of a notary or at least signing it with a digital certificate gives it undeniable legal weight regarding the exact date.
• Notification to the DGT (Optional but recommended): You can register the habitual driver (conductor habitual) at the DGT. This ensures that any traffic fines are correctly notified to the person actually driving the vehicle in María de Huerva.
• Insurance Company: Crucially, you must inform your car insurance company that a secondary or habitual driver will be using the vehicle. Failure to do so can lead the insurer to deny coverage in the event of an accident.

CONTRATO DE COMODATO DE VEHÍCULO / VEHICLE LOAN AGREEMENT

En María de Huerva (Zaragoza), a [Día] de [Mes] de [Año]. / In María de Huerva, on [Day] of [Month], [Year].

REUNIDOS / PARTIES

DE UNA PARTE, D./Dña. [Nombre Comodante], mayor de edad, con DNI [DNI Comodante] y domicilio a efectos de notificaciones en [Dirección en María de Huerva], en adelante, el COMODANTE (propietario).
ON THE ONE PART, [Lender Name], of legal age, with DNI [Lender ID] and address at [Address in María de Huerva], hereinafter, the LENDER (owner).

Y DE OTRA PARTE, D./Dña. [Nombre Comodatario], mayor de edad, con DNI [DNI Comodatario] y domicilio en [Dirección Comodatario], en adelante, el COMODATARIO (conductor).
AND ON THE OTHER PART, [Borrower Name], of legal age, with DNI [Borrower ID] and address at [Borrower Address], hereinafter, the BORROWER (driver).

Ambas partes se reconocen mutua y recíprocamente la capacidad legal necesaria para el otorgamiento del presente contrato y, a tal fin,
Both parties mutually recognize the necessary legal capacity to grant this contract and, to this end,

EXPONEN / DECLARE

PRIMERO.- Que el COMODANTE es el actual propietario del vehículo cuyas características son:
FIRST.- That the LENDER is the current owner of the vehicle with the following characteristics:

• Marca / Brand: [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 condiciones establecidas en este documento.
SECOND.- That the LENDER transfers the free use of the aforementioned vehicle to the BORROWER, who accepts it under the conditions established in this document.

CLÁUSULAS / CLAUSES

PRIMERA. CARÁCTER GRATUITO. El presente contrato es de carácter estrictamente gratuito (comodato). El COMODATARIO no está obligado a realizar contraprestación económica alguna por el uso del vehículo.
FIRST. FREE NATURE. This contract is strictly free of charge (comodato). The BORROWER is not obliged to make any financial compensation for the use of the vehicle.

SEGUNDA. DURACIÓN. El préstamo del vehículo se establece por un periodo de [Duración, ej: 1 año / indefinido], comenzando el día de la fecha de firma. El COMODANTE podrá reclamar la devolución del vehículo en cualquier momento si media causa justificada o necesidad urgente.
SECOND. DURATION. The loan of the vehicle is established for a period of [Duration, e.g., 1 year / indefinite], starting from the date of signature. The Lender may demand the return of the vehicle at any time if there is justified cause or urgent need.

TERCERA. USO DEL VEHÍCULO. El COMODATARIO se compromete a utilizar el vehículo exclusivamente para fines particulares/laborales, respetando en todo momento las normas de tráfico y seguridad vial. Queda prohibido subrogar, alquilar o ceder el vehículo a terceras personas.
THIRD. USE OF THE VEHICLE. The BORROWER undertakes to use the vehicle exclusively for private/work purposes, complying at all times with traffic and road safety regulations. It is forbidden to sublease, rent, or transfer the vehicle to third parties.

CUARTA. GASTOS Y MULTAS. Serán de cuenta exclusiva del COMODATARIO todos los gastos derivados del uso ordinario del vehículo (combustible, lavado, peajes, estacionamiento), así como el pago de todas las multas e infracciones de tráfico que se impongan desde la firma de este contrato hasta la devolución del mismo.
FOURTH. EXPENSES AND FINES. All expenses derived from the ordinary use of the vehicle (fuel, car wash, tolls, parking) shall be borne exclusively by the BORROWER, as well as the payment of all fines and traffic violations imposed from the signing of this contract until its return.

QUINTA. SEGURO. El vehículo cuenta con seguro obligatorio de automóviles contratado por el COMODANTE en la compañía [Nombre Aseguradora]. El COMODATARIO declara conocer las condiciones de dicha póliza y estar incluido como conductor autorizado/habitual.
FIFTH. INSURANCE. The vehicle has mandatory car insurance contracted by the LENDER with the company [Insurance Company Name]. The BORROWER declares to know the conditions of said policy and to be included as an authorized/habitual driver.

Y en prueba de conformidad, ambas partes firman el presente contrato por duplicado en el lugar y fecha arriba indicados.
And as proof of conformity, both parties sign this contract in duplicate at the place and date indicated above.

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

Additional documentation required

To ensure that the vehicle loan runs smoothly and complies with Spanish transport and civil regulations, keep the following paperwork handy in María de Huerva:

• Permiso de Circulación (Vehicle Registration Certificate): Must be kept in the car (or a digital copy via the miDGT app).
• Tarjeta de Inspección Técnica (ITV): Proves that the vehicle has passed Spain's mandatory technical inspection.
• Insurance Policy and Receipt: Proof that the vehicle is insured and that the insurer is aware of the driver.
• Signed Copy of the Comodato Contract: Carrying a physical or digital copy of the agreement in the glove compartment is highly recommended in case local police (Policía Local de María de Huerva) or Guardia Civil request verification during a routine stop.

Expert Tip: Always update your insurance policy before handing over the keys. In Spain, if an uninsured driver or a driver not declared on the policy causes an accident, the insurance company may cover the third party initially, but they can legally pursue the owner (and the driver) for full reimbursement of the damages (the right of subrogation). Protect yourself by keeping your paperwork in order in María de Huerva.