How to Draft a Free Vehicle Loan Agreement (Comodato) in Monzón: Downloadable Template
If you are planning to lend your vehicle to a friend or family member in Spain, it is highly recommended to formalize the arrangement with a Contrato de Comodato. This is a "gratuitous loan agreement," a legal document that proves the vehicle is being used with your permission without any financial exchange. Having this document is essential in Monzón to avoid complications with local police (Policía Local) or the DGT, especially if the driver is pulled over and needs to justify why they are driving a vehicle registered to someone else.
Instructions on how and where to submit it in Monzón
Unlike a vehicle transfer (compraventa), a private loan agreement does not need to be submitted to the DGT (Dirección General de Tráfico) in Monzón. Instead, you must keep the original signed document inside the vehicle’s glove box at all times. If the driver is stopped by the authorities, they can present this document to prove they have authorization to use the vehicle. For added security, you may choose to have the signatures verified by a Notary Public in Monzón, though it is not strictly mandatory for the document to be legally binding between the parties.
CONTRATO DE COMODATO DE VEHÍCULO / VEHICLE LOAN AGREEMENT
REUNIDOS / PARTIES:
De una parte, D./Dña. ________________________, con DNI/NIE ______________, con domicilio en ________________________ (en adelante, el "Comodante" / "Lender").
De otra parte, D./Dña. ________________________, con DNI/NIE ______________, con domicilio en ________________________ (en adelante, el "Comodatario" / "Borrower").
EXPONEN / DECLARE:
Que el Comodante es propietario del vehículo marca ____________, modelo ____________, con matrícula ____________ y número de bastidor ____________.
Que ambas partes acuerdan la cesión gratuita del uso del vehículo, regida por las siguientes:
CLÁUSULAS / TERMS:
PRIMERA: El Comodante cede el uso del vehículo al Comodatario de forma gratuita. / The Lender grants the free use of the vehicle to the Borrower.
SEGUNDA: La duración del préstamo será desde el ____/____/____ hasta el ____/____/____. / The duration of the loan shall be from [Date] to [Date].
TERCERA: El Comodatario se compromete a utilizar el vehículo con diligencia y a hacerse cargo de los gastos de combustible, multas de tráfico y sanciones que pudieran derivarse de su uso. / The Borrower agrees to use the vehicle diligently and to cover fuel costs, traffic fines, and penalties derived from its use.
CUARTA: El Comodante declara que el vehículo cuenta con el seguro obligatorio en vigor. / The Lender declares that the vehicle has mandatory insurance in force.
En Monzón, a ____ de ____________ de 20____.
Firma Comodante / Signature Lender: __________________
Firma Comodatario / Signature Borrower: __________________
Additional documentation required
- Vehicle Registration (Permiso de Circulación): Always keep the original or a certified copy in the vehicle.
- Technical Inspection Card (ITV): Ensure the vehicle has passed its technical inspection and the card is up to date.
- Insurance Policy: Carry proof of valid insurance. Ensure your policy covers "authorized drivers" or other people using the vehicle, as some basic policies only cover the owner.
- Identification: Both the owner and the borrower must carry their original DNI or NIE.
As an expert consultant, my top tip is to always check your insurance policy fine print before handing over the keys. Many Spanish insurance companies differentiate between "main driver" and "occasional driver." If the person you are lending the car to is under 25 or has held their license for less than two years, check if your policy requires you to notify the insurer to avoid claims being rejected in the event of an accident. Keep this agreement signed and easily accessible to ensure your peace of mind while traveling through Monzón and beyond.