How to Draft a Free Vehicle Loan Agreement (Comodato) in Salinas de Pamplona: Downloadable Template

If you are lending your vehicle to a friend or family member in Salinas de Pamplona, it is highly recommended to formalize the arrangement with a Contrato de Comodato. In Spanish law, a Comodato is a gratuitous loan contract where the owner (the lender) allows another person (the borrower) to use the vehicle for a specific period without any financial compensation. Having this document is essential for insurance purposes, avoiding liability for traffic fines, and proving that the vehicle was not stolen or being used illegally.

Instructions on how and where to submit it in Salinas de Pamplona

This document is a private contract between two parties and does not need to be submitted to a government office to be valid. However, you should keep it in the glove compartment of the vehicle. If the borrower is stopped by the Guardia Civil or Local Police in the Navarra region, this document proves they have your explicit authorization to drive the car.

• Print two copies of the document below.
• Both the lender (comodante) and the borrower (comodatario) must sign every page.
• For extra legal security, you can have the signatures notarized at a notary office (Notaría) in Pamplona, though it is not strictly mandatory for the contract to be legally binding.

CONTRATO DE COMODATO DE VEHÍCULO / VEHICLE LOAN AGREEMENT

EN SALINAS DE PAMPLONA, a [Date]

REUNIDOS / THE PARTIES
De una parte, D./Dña. [Full Name], con DNI/NIE [Number], en calidad de propietario/a (en adelante, el "Comodante").
(On one part, [Full Name], holder of DNI/NIE [Number], as the owner, hereinafter the "Lender".)

De otra parte, D./Dña. [Full Name], con DNI/NIE [Number] (en adelante, el "Comodatario").
(On the other part, [Full Name], holder of DNI/NIE [Number], hereinafter the "Borrower".)

OBJETO / OBJECT
El Comodante cede gratuitamente el uso del vehículo marca [Brand], modelo [Model], matrícula [License Plate], al Comodatario.
(The Lender gratuitously lends the use of the vehicle [Brand], model [Model], license plate [License Plate], to the Borrower.)

CONDICIONES / CONDITIONS
1. El vehículo se cede en régimen de préstamo gratuito (comodato) desde el [Start Date] hasta el [End Date]. (The vehicle is lent under a free loan agreement from [Start Date] until [End Date].)
2. El Comodatario se compromete a utilizar el vehículo de forma diligente y a asumir el coste de las multas de tráfico e infracciones cometidas durante el periodo de uso. (The Borrower agrees to use the vehicle diligently and to assume the cost of all traffic fines and infractions committed during the period of use.)
3. El Comodante mantiene la titularidad del seguro, debiendo el Comodatario cumplir con las normas de circulación vigentes en España. (The Lender maintains the insurance policy, and the Borrower must comply with current traffic regulations in Spain.)

FIRMAS / SIGNATURES

[Signature Lender] ____________________ [Signature Borrower] ____________________

Additional documentation required

To ensure the borrower is fully covered while driving in Navarra, they should carry the following original documents in the vehicle:

• The signed Contrato de Comodato (the template provided above).
• A photocopy of the owner’s DNI/NIE (to verify the identity of the lender).
• The vehicle’s Permiso de Circulación (Registration Certificate).
• The valid ITV (Inspección Técnica de Vehículos) card.
• Proof of valid insurance (the borrower should verify with your insurance company that they are covered as an authorized driver).

Expert Tip: Always notify your insurance company before handing over the keys. Some policies only cover specifically named drivers; if the borrower is not included, the insurance company might refuse to cover damages in the event of an accident. A quick phone call to your insurer can save you thousands of euros in potential liabilities.