Free Vehicle Loan Agreement Template (Comodato) for Soñariño Residents

If you are planning to lend your vehicle to a friend or family member in Soñariño, it is highly recommended to formalize the arrangement with a "Contrato de Comodato." In Spain, this is a gratuitous (free) loan agreement that clarifies who is responsible for fines, maintenance, and insurance during the period the vehicle is in another person's possession. This legal document protects the owner from potential liabilities related to traffic infractions or accidents involving the borrower.

How and where to submit your document in Soñariño

Unlike a vehicle transfer (compraventa), a Comodato agreement does not necessarily need to be registered with the DGT (Dirección General de Tráfico) to be valid between private parties. However, keeping a signed copy in the glove compartment is essential. If you wish to provide official notice to the authorities to ensure that any traffic fines are redirected to the borrower, you should submit a copy to the Jefatura Provincial de Tráfico or via the DGT electronic headquarters.

CONTRATO DE COMODATO DE VEHÍCULO / VEHICLE LOAN AGREEMENT

REUNIDOS / THE PARTIES:

De una parte, D./Dña. [Owner's Full Name], con DNI/NIE [Number], en adelante "el COMODANTE" (the LENDER).

De otra parte, D./Dña. [Borrower's Full Name], con DNI/NIE [Number], en adelante "el COMODATARIO" (the BORROWER).

EXPONEN / AGREEMENT:

1. El Comodante es propietario del vehículo marca [Brand], modelo [Model], matrícula [License Plate].

The Lender is the owner of the vehicle brand [Brand], model [Model], license plate [License Plate].

2. El Comodante cede gratuitamente el uso del vehículo al Comodatario por un periodo de [Duration/Dates].

The Lender grants the free use of the vehicle to the Borrower for the period of [Duration/Dates].

3. El Comodatario asume la responsabilidad civil y administrativa derivada del uso del vehículo, incluyendo multas de tráfico y mantenimiento básico.

The Borrower assumes civil and administrative responsibility derived from the use of the vehicle, including traffic fines and basic maintenance.

En Soñariño, a [Date]. / In Soñariño, on [Date].

Firma Comodante / Lender Signature: ____________________

Firma Comodatario / Borrower Signature: ____________________

Additional documentation required

• A clear photocopy of the Owner’s DNI/NIE.
• A clear photocopy of the Borrower’s DNI/NIE and a valid Spanish driver's license.
• A copy of the vehicle’s "Permiso de Circulación" (Registration Certificate).
• Proof of valid insurance (ensure the insurance policy covers secondary drivers if the loan is for an extended period).
• The "Ficha Técnica" of the vehicle (the ITV card).

Expert Tip: Always verify that your current insurance policy allows for secondary drivers. Many insurance companies in Spain will refuse to pay out in the event of an accident if the person driving the car at the time of the incident is not listed on the policy. Additionally, if the loan is for more than 30 days, consider notifying your insurance provider to avoid complications during a potential claim in Soñariño.