What changes for holidaymakers and residents?

Anyone who was on one of the two trains on 28 October is covered by the same mandatory insurance as every other passenger. That includes holidaymakers and residents from the Canary Islands, the research found.

In Barcelona, Sánchez said the decree would double the aid from this insurance. It would also pay compensation in advance and create a procedure for temporary incapacity to work.

New “oficinas de apoyo integral”, meaning offices offering full support, are to open in the victims’ home provinces. Whether one will open in the Canary Islands is not confirmed.

How affected people can apply, and by when, stays unknown until the BOE (the Spanish official state gazette) publishes the decree. That is expected after 3 November.

What will the government decide on 3 November?

Pedro Sánchez said in Barcelona on Monday that the cabinet would pass a dedicated royal decree on Tuesday. He spoke at the World in Progress forum run by the Prisa group.

The package has four parts: doubled aid from the mandatory insurance, advance compensation, a procedure for temporary incapacity to work and the support offices. The eldiario.es report gave no amounts in euros.

Sánchez said the measures resemble those after the Adamuz crash (Córdoba) in January 2026. It is open whether the decree will be issued as a Real Decreto or a Real Decreto-ley.

What does the mandatory insurance pay so far?

According to Diari de Tarragona, the mandatory travellers’ insurance (SOV) pays 72,121.46 euros for each passenger who died. The family does not have to prove negligence, and deaths up to 18 months after the crash count if the injuries caused them.

On top comes an advance of at least 21,000 euros per victim, due within 15 days. The insurer later deducts it from the final liability compensation.

Claims can target Renfe, Iryo or the network operator Adif. The amount is not fixed, and courts have the final say.

Diari de Tarragona advises families to check private life and accident policies, loan protection and card insurance too. The Justice Ministry’s insurance register can be consulted 15 days after the death.

What happened after the Adamuz and Gélida crashes?

After Adamuz, the government approved a package of 20 million euros on 27 January 2026, according to Moncloa. Half, 10 million euros, was direct aid, and the other half was advances on compensation.

The Congress confirmed the decree on 26 February 2026. The government has not said whether Urda will receive the same sums.

What is known about the crash?

On the Madrid–Seville line near Urda (Toledo), a Renfe high-speed train ran into a stationary Iryo train, according to El Heraldo. The Renfe train carried 378 passengers and the Iryo train 147.

El Heraldo reports 69 dead and 110 injured, 50 of them in hospital. The cause is unclear, and investigators and the courts are working on it.

According to RTVC, the Canarian government offered help to Toledo. The research found no confirmed victims from the Canary Islands.