Download Free Vehicle Loan Agreement (Contrato de Comodato) Template for Miraflores de la Sierra (Word/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 specific legal document known as a Contrato de Comodato de Vehículo (Free Vehicle Loan Agreement). Under Spanish law, a "comodato" is a gratuitous loan where one party delivers a non-perishable item—in this case, a vehicle—to another so they can use it for a certain period, with the obligation to return the exact same item. Having this contract is essential in Miraflores de la Sierra and throughout Spain to avoid legal liabilities, clarify responsibilities regarding fines and maintenance, and prove to authorities that the driver is legally authorized to use the vehicle.

Instructions on how and where to submit it in Miraflores de la Sierra

Unlike a vehicle sale, a private vehicle loan agreement does not strictly need to be registered with the DGT (Dirección General de Tráfico) if the vehicle remains registered under the owner's name. However, to ensure full legal validity and protect yourself against third-party liabilities (such as unpaid speeding tickets, tolls, or parking fines in Miraflores de la Sierra), it is highly recommended to follow these steps:

• Sign the agreement: Both the lender (comodante) and the borrower (comodatario) must sign and date the document. Printing two copies is standard practice.
• Notarization (Optional but recommended): To give the document official standing against third parties and the Spanish tax agency (Hacienda), you can have the signatures legitimized before a notary public or register it digitally.
• Notification to DGT (Optional): While not mandatory for short-term loans, you can notify the DGT of the regular driver (conductor habitual) if the loan is long-term, though this is more common for renting or leasing.
• Local procedures in Miraflores de la Sierra: If you need to present this document to the local authorities (Ayuntamiento de Miraflores de la Sierra) to contest a municipal traffic fine or prove vehicle authorization, you can do so at the Town Hall's Citizen Service Office (Oficina de Atención al Ciudadano) or via their electronic headquarters (Sede Electrónica).

CONTRATO DE COMODATO DE VEHÍCULO / VEHICLE LOAN AGREEMENT

En Miraflores de la Sierra, a [Día] de [Mes] de [Año].
In Miraflores de la Sierra, on [Day] of [Month], [Year].

REUNIDOS / PARTIES

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

Y de otra parte, D./Dña. [Nombre del Autorizado], mayor de edad, con DNI [Número de DNI] y domicilio a efectos de notificaciones en [Dirección completa], en adelante el COMODATARIO (el usuario).
And on the other part, Mr./Ms. [Borrower's Name], of legal age, with ID [ID Number] and address for notification purposes at [Full Address], hereinafter the BORROWER (the user).

Ambas partes se reconocen mutuamente la capacidad legal necesaria para otorgar el presente contrato y, a tal efecto, / 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 las siguientes:
FIRST.- That the LENDER is the current owner of the vehicle with the following characteristics:
- Marca / Make: [Marca]
- Modelo / Model: [Modelo]
- Matrícula / License Plate: [Matrícula]
- Número de Bastidor / VIN: [Número de Bastidor]

SEGUNDO.- Que el COMODANTE cede de forma gratuita el uso del citado vehículo al COMODATARIO, quien lo acepta, bajo las siguientes:
SECOND.- That the LENDER gratuitously yields the use of the aforementioned vehicle to the BORROWER, who accepts it, under the following:

CLÁUSULAS / CLAUSES

PRIMERA. Objeto y gratuidad. El presente contrato tiene por objeto el préstamo gratuito (comodato) del vehículo descrito. El COMODATARIO no estará obligado a abonar cantidad alguna en concepto de renta o alquiler por el uso del mismo.
FIRST. Object and gratuitousness. The purpose of this contract is the free loan (comodato) of the described vehicle. The BORROWER shall not be obliged to pay any amount as rent for its use.

SEGUNDA. Duración. El préstamo del vehículo se realiza por un periodo de [Indicar duración, ej: un año / indefinido], comenzando el día [Fecha de inicio] y finalizando el día [Fecha de fin]. No obstante, el COMODANTE podrá reclamar la devolución del vehículo en cualquier momento si concurriere urgente necesidad.
SECOND. Duration. The loan of the vehicle is made for a period of [Indicate duration, e.g., one year / indefinite], starting on [Start Date] and ending on [End Date]. However, the LENDER may demand the return of the vehicle at any time in case of urgent necessity.

TERCERA. Gastos y Mantenimiento. Serán de cuenta exclusiva del COMODATARIO todos los gastos corrientes derivados del uso del vehículo, tales como consumo de combustible, peajes, lavado, ITV, así como las reparaciones derivadas del uso ordinario o negligencia. Los impuestos de circulación (IVTM) y el seguro obligatorio correrán a cargo del COMODANTE (o especificar lo contrario).
THIRD. Expenses and Maintenance. All current expenses derived from the use of the vehicle, such as fuel consumption, tolls, washing, ITV (technical inspection), as well as repairs derived from ordinary use or negligence, shall be exclusively borne by the BORROWER. Road tax (IVTM) and mandatory insurance shall be borne by the LENDER (or specify otherwise).

CUARTA. Responsabilidad y Sanciones. El COMODATARIO será único responsable de las infracciones de tráfico, multas, sanciones y daños a terceros que se produzcan desde la fecha de firma del presente contrato hasta la devolución del vehículo.
FOURTH. Liability and Penalties. The BORROWER shall be solely responsible for traffic violations, fines, penalties, and damages to third parties occurring from the date of signature of this contract until the return of the vehicle.

Y en prueba de conformidad, firman las partes el presente documento por duplicado en el lugar y fecha al principio indicados.
And as proof of conformity, the parties sign this document in duplicate at the place and date indicated above.

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

Additional documentation required

When driving a borrowed vehicle in Spain, or when submitting this documentation to authorities in Miraflores de la Sierra, it is vital that the driver carries the proper paperwork inside the vehicle at all times. Spanish traffic police (Guardia Civil de Tráfico or Policía Local) routinely request:

• Permiso de Circulación (Vehicle Registration Certificate): Proving who the registered owner is.
• Tarjeta de Inspección Técnica (ITV Card): Showing that the vehicle has passed Spain's mandatory technical inspection.
• Proof of Valid Insurance: Although the insurance policy is tied to the vehicle, it is recommended to check if the policy restricts drivers under a certain age or with fewer years of license experience, as this could affect coverage in case of an accident.
• Valid Driving License: The driver must hold a valid and recognized driving license in Spain.
• Signed Copy of the Contrato de Comodato: Carrying a copy of the loan agreement in the glove compartment is a best practice to instantly clarify to traffic officers why the driver and the owner have different surnames or addresses.

As an expert tip, always ensure that your vehicle insurance policy covers secondary drivers, especially if you are lending the car regularly. Even with a signed comodato contract, some insurance companies apply higher deductibles (franquicias) if an unauthorized or undeclared young driver has an accident. Keep your paperwork updated and enjoy peace of mind while driving through the Sierra de Madrid.