Guide to Insurance in Spain

FINDING CHEAP INSURANCE IN SPAIN

insurance-spain-graphic This page is our main page on insurance in Spain. From here you will be able to find more detailed pages about specific types of insurance.

This page aims to help you if you are about to make the move to Spain or if you already live in Spain as an expatriate.

This page can also help if you are visiting Spain for a short holiday or trip.

No matter what your personal situation we can help you with your Spanish insurance needs.

This insurance in Spain page helps you compare the market for expat insurance in Spain by showing you the lowest and cheapest quotes available for whatever type of insurance for Spain that you need.

We also guide you to price comparison websites for Spanish insurance.

save money on insurance in spain

Seguros is the Spanish word for insurances and of course being an English speaking expat or foreigner in Spain, insurance is even more important than it is normally. This is because being an expat in Spain you could easily get involved in situations where the language becomes a problem. Having a Spanish insurance company or Spanish insurance broker to handle matters on your behalf could be priceless.

Given that insurance deals with expensive items such as property and cars you don't want to take a chance by not being insured or finding yourself underinsured or even thinking you are covered for something and later finding out you uninsured. Taking out adequate insurance in Spain enables you to relax and cope with more pressing problems.

EXPATRIATE INSURANCE IN SPAIN

This insurance Spain section is mainly aimed at English speaking people, we are also expatriates (expats) ourselves in Spain so we understand that when you are looking for costs for expat insurance in Spain it is so important that you understand exactly what cover you get and what levels of after-care support you can expect to receive in the event of an insurance claim being necessary. There is no absolutely no point paying annual insurance premiums and not having the right or adequate levels of cover and protection when you really need it.

INSURANCE BROKERS IN SPAIN

As well as direct insurance providers we take a look at the many independent Spanish insurance brokers who often will be able to compare quotes and go to the marketplace to find you the lowest and cheapest annual premiums that you wouldn't be able to source or find yourself.

insurance in Spain is not the same as insurance elsewhere. Always get things in writing and don’t just rely on what an insurance broker Spain or insurance agent tells you. Unlike other countries the concept of all-risk or all risks in Spain is a foreign one so you do need to know the differences between insurance policies and coverage in Spain compared to what you are previously used to in your home country.

We are fully independent and we provide advice and recommendations for a wide range of insurance products in Spain. You do need to be careful when seeking advice on insurance in Spain because insurance brokers in Spain get paid on commission and you need to be sure you are getting the best advice and not being directed to Spanish insurance companies or providers purely based on the size of the commissions. We help you by comparing and searching the many different insurance providers and brokers to get you the best possible prices for your insurance needs. Well-established brokers are Knight Insurance, Jennifer Cunningham and Abbeygate.

INSURANCE COMPANIES IN SPAIN

Below we have a list of the major Spanish insurance companies we recommend for expats insurance needs in Spain.

Major brokers and companies involved in providing insurance to expats in Spain include: Liberty Seguros (car insurance), Linea Directa (car insurance), Knight Insurance Spain, INOV Insurance, William Russell Limited (health insurance), Mapfre insurance Spain, BUPA (health and medical insurance), Abbeygate, Scofields, Nash Warren Insurance, Expat Insurance in Spain, Spanish Insurance Solutions (SIS), The Insurance Centre, Hamiltons, IBEX Insurance, Intasure, Easy Insurance Spain/Easy Cover, Reale Seguros, IIS (Insure in Spain) and Dragon Insurance.

We look to provide you helpful information and guides on the types of insurance available in Spain and when we recommend companies and services we look for Spanish insurance policies in English so you understand what you are getting and we look for companies providing support and services with English-speaking staff and employees. This is particularly important in the case of having to make a claim.

CHEAP INSURANCE QUOTES FOR SPAIN

Insurance in Spain is very competitive and you need to shop around, in this respect price-comparison websites which are increasingly springing up are very useful. You can use them to compare prices for cheap insurance Spain. Often the cheapest Spanish insurance policies now are ones where you can buy on line with Internet only companies which have low overheads.

Below are links to help you find the applicable type of insurance cover that you wish to find more information on. Be sure to read our insurance articles, we have many 'insider tips' on how to get the best deals and save money on your premiums.

Below we have a quick start guide to the main types of insurance in Spain.

HEALTH INSURANCE SPAIN

Most visitors to this insurance in Spain section are looking costs for health cover and private health insurance in Spain. So we have various pages covering topics such as private health insurance and private medical insurance Spain from major Spanish companies such as ASSSA, Arresa, Sanitas etc. These medical cover providers work in a similar way to that of BUPA in the United Kingdom.

We look at the levels of cover you receive and find out how much typical premiums are and what levels of treatment you can expect to receive. We look at the standard of hospitals and the qualifications of doctors and nurses in Spain.

Do you need to take out private health insurance in Spain? Not necessary so. We have a series of medical insurance in Spain articles that tackle what national heath options Spain provides and whether you are eligible to free health-care in Spain.

In this health insurance in Spain section we also look at Spanish health insurance dental health care plans for Spain as well as critical illness cover in Spain.

CAR INSURANCE SPAIN - MOTOR INSURANCE SPAIN

Car insurance in Spain is absolutely essential as driving in Spain is quite hazardous and dangerous as we know ourselves. We have personally had two car accidents and at times like these you really do feel alone in a foreign country. So what do you do when you have had an accident in Spain?

We will guide you and show you the most competitive places from which to find costs for cheap car insurance Spain, cheap motor insurance in Spain, auto insurance Spain, motorbike insurance Spain, motorcycle insurance Spain, scooter insurance in Spain, van insurance Spain and caravan insurance for Spain. We also help with how do to insure scooters in Spain.

We also look at Spanish commercial insurance for vehicles if you use your car or van for business purposes. We also list Spanish car insurance companies, the most well-known names include Liberty Seguros, Mapfre and Linea Directa.

Premiums and quotes on auto and car insurance for Spain vary widely to make sure you compare prices while being clear what level of protection you are insured for. Use price comparison websites for car insurance in Spain to get the cheapest quote.

Don't necessary choose the cheapest or lowest quote, you don't want to find yourself with major and unaffordable liabilities or losses as the result of an accident. We help you decide whether third-party insurance or fully comprehensive insurance is best.

Also in this section we have tips on how to get cheap car insurance in Spain as well as articles on Spanish car insurance, whether you can insure your UK registered vehicle in Spain as well as driving tips for Spain.

HOUSE INSURANCE SPAIN - HOME INSURANCE SPAIN - PROPERTY INSURANCE SPAIN

Spanish house insurance - if you are buying a house or home in Spain to either live in yourself or to rent out as a holiday home or second home then either way you are going to need property insurance in Spain as protection and cover for various risks such as theft, burglary, damage from tenants and renters, accidental damage, damage from fire and water leaks, floods, structural problems etc. Whether your property in Spain is an apartment or villa you must also consider third-party liability cover to protect yourself against claims if someone injures themselves on your property.

You will certainly need to consider taking out buildings insurance Spain and maybe home contents insurance Spain. If you live in an apartment block you may need what is known as community insurance Spain.

Let us help you compare the different policies on offer and help find you the cheapest, best and lowest quotes available while making clear to you what level of cover and legal protection is included or not. Use price comparison websites for house insurance in Spain to get the cheapest quote for Spanish property insurance. We also list comparison sites on Spanish home insurance.

So in this property insurance Spain section we take a look at costs for home contents insurance in Spain, house insurance in Spain, home insurance in Spain and holiday home insurance in Spain.

TRAVEL INSURANCE SPAIN

Perhaps you are looking to take a holiday or vacation in Spain so you are looking for short-term holiday insurance to Spain or travel insurance in Spain. Perhaps you are a permanent resident in Spain and you need travel insurance from Spain for when you travel out of Spain. You may need a worldwide travel policy or simply a European one. In both instances we have policies for travel insurance for Spain.

LIFE INSURANCE SPAIN

As most expats in Spain are retirees it is important to consider your loved ones in the event of your death. We take a look at cover for life insurance while living in Spain and pre-paid funeral plans. With life assurance in Spain and life insurance in Spain it is so important to ensure you have adequate financial levels of protection. We also cover accidental death policies in Spain and take a look at inheritance tax advice in Spain.

BOAT INSURANCE SPAIN - MARINE INSURANCE SPAIN

If you are living in Spain there are all sorts of reasons to need insurance, perhaps you have a boat or jet-ski to insure in which case you will be looking for information on marine insurance known as marine insurance (boat insurance Spain), especially in case of accidental damage.

BUSINESS INSURANCE SPAIN - COMMERCIAL INSURANCE SPAIN

Maybe you are opening a business and need to insure premises, vehicles or staff in which case you will need commercial insurance in Spain.

PET INSURANCE SPAIN FOR CATS, DOGS AND OTHER ANIMALS

If you have pets such as dogs, cats and horses you may want pet insurance in Spain to insure against the potential high costs of veterinary bills in Spain and the cost of damages in case your pet injures another person.

PERSONAL LIABILITY AND PUBLIC LIABILITY INSURANCE SPAIN

Spain is a great country with a wonderful climate so no doubt you will be outdoors more often, perhaps enjoying playing sports. Consider insuring yourself against injuring others by taking out personal accident cover and liability insurance Spain.

GOLF INSURANCE SPAIN

Golf is a popular activity in Spain and one for which you can obtain golf insurance, reasons would include the risk of loss or theft of your clubs and also injury to someone through an accident while playing golf. Other sports for which insurance is advised would be winter sports such as skiing and snowboarding.

INSURANCE SPAIN RESOURCES

The listing of Spanish insurance resources below is intended as the ultimate resource for all things related to insurance in Spain. These websites and companies are listed are your benefit but we stress that we cannot take any responsibility for the content or accuracy of these third-party sites.

This resource lists providers of insurance policies to people in Spain, particularly to expats who are searching for insurance policies in English. This resource page also lists the many insurance brokers based in Spain as well as other insurance brokers who are in the United Kingdom but who offer various types of insurance in Spain. Thanks to Insurance Spain for much of this useful information.

Abbeygate

Abbeygate are an insurance brokers providing various types of insurance for expatriates in Spain including motor insurance, car insurance, home insurance from 72 Euros a year, house insurance, marine insurance, health insurance, commercial insurance and travel insurance.

Abbeygate Contact Details:
Telephone: +34 902 877 728.
Website: http://www.abbeygateinsure.com/

BC-Seguros

Telephone: Spain Office: +34 954 627 716 - United Kingdom: +44 20 3287 8564
Website: http://bc-seguros.com/

BC-Seguros tailor products developed by the AXA companies for the Spanish market to meet the needs of clients, especially the English speaking expatriate community in Spain. Types of insurance provided include: home insurance (property insurance), AXA private health insurance for English speaking expats in Spain, landlords insurance, commercial insurance, tenant contents insurance, boat insurance, construction insurance, building insurance, business insurance, car insurance, home contents insurance, life insurance, liability insurance, accident insurance, diving insurance, car insurance and more.

Dragon Insurance

Dragon Insurance claim to insure just about anything. Benefits of using Dragon Insurance include:

General insurance and financial consultants - Costa Blanca - Spain
Costa Blanca Insurance and financial consultants
The one stop Insurance Agent for Expatriates living in Spain
Let Dragon Insurance take care of all your Insurance needs while you get on with living in Spain
Best prices for all kinds of Spanish and British vehicle insurance
Full Spanish medical health insurance
Worldwide travel insurance policies
Life insurance policies for Spanish residents
Secure Spanish and British home insurance
Marine insurance for all types of vessel
Spanish commercial insurance for most businesses
Fully experienced, mature, multi-lingual staff to help you find the policy for your needs
Dragon Insurance Contact Details:
Telephone: +34 96 649 3762.
Website: http://www.dragoninsure.com

Easy Insurance

"We cover all your insurance needs in Spain. We offer comprehensive motor insurance, home insurance, life insurance, travel insurance and health insurance to the ex-pat community in the Costa Blanca, Costa Cálida and Costa del Sol, Spain."

EasyInsurance Contact Details:
Telephone: 902 31 04 04.
Website: http://www.easycover.net/

Horizons Consultants CB

"Get the best deals for your car and house. With English and Spanish speaking staff we can ensure a quick and easy service when dealing with your insurance enquiries in Spain. All our policy's in Spain are underwritten by Lloyd's providing the confidence and security for the world's market. Contact us now."

Horizons Consultants CB Contact Details:
Telephone: +34 96 6481382.
Website: http://www.horizonsconsultants.com

Ibex Insurance Services

"Ibex was established in 2000 as a coverholder for Lloyd's, the world's leading insurance market. Over the years we have rapidly expanded to become the largest insurance provider for expatriates based in the Iberian Peninsula."

Ibex Insurance Products:

Motor: Competitive cover for UK, Spanish, Portuguese and Gibraltar registered vehicles
Home: Cover for your buildings & valued possessions
Holiday Apartment: Fixed annual rates for your holiday home
Travel: Single and Annual multi trip policies for European & Worldwide
Pet: Cover for cats & dogs
Medical: Tailor made cover designed for you
Marine: Tailored cover for UK, Spanish and Gibraltar Flags.
Ibex Insurance Contact Details:
Telephone: 900 102 527.
Website: http://www.ibexinsure.com/

INOV Insurance

INOV Insurance collaborates in partnership with leading insurance companies and our aim is to find the most appropriate solution to your needs, offering the best cover/price ratio.

INOV Insurance Contact Details:
Telephone: +34 93 268 8742.
Website: http://www.inovinsurance.com

Insure in Spain (IIS)

"Insure in Spain can provide you with the most competitive insurance in Spain. We can insure your Car, House, Motorcycle, Pets, Travel and Legal Expenses, Marine as well as cover Medical and Funeral Plans. Insure in Spain have a full portfolio of insurance policies and are confident we can find the right cover at the right price."
Insure in Spain Contact Details:
Telephone: +34 96 648 2667.
Website: http://insureinspain.com/

Intasure

Specialist in holiday home insurance for second homes in Spain. A plain English property insurance policy underwritten by some of the world's leading insurers and administered in the UK via English-speaking staff.

Intasure Contact Details:
Telephone: 900 11 0680
Website: http://www.intasure.com

Jennifer Cunningham y Asociados

"Provides a full advice and recommendation service on a wide range of insurance products in Spain. We offer ASSSA Private Health, Dental and Funeral plans, especially tailored to meet the needs and requirements of the expatriate.

We also provide competitive premiums on contents and home insurance, car insurance, classic car insurance, motorbike insurance, travel insurance, boat insurance, golf insurance and pet insurance."

Jennifer Cunningham Contact Details:
Telephone: 902 373 444.
Website: http://jennifercunningham.net/

Knight Insurance

Knight are one of the best-known names in the world of Spanish insurance brokers. As an independent insurance broker Knight offer every types of insurance you can need but the main ones are: household insurance , business, travel, health insurance, pet insurance, motor/car insurance and marine insurance.

Knight Insurance Contact Details:
Knight Insurance head office address: Ed. Lance del Sol, Pta.I, 1ª, Avda. Jesus Santos Rein s/n, Los Boliches, Apartado 113, 29640 Fuengirola, Malaga, Spain.
Telephone: 952 660 535.
Website: http://www.knight-insurance.com/

Liberty Seguros

Liberty Seguros are one of the best-known companies in the Spanish insurance industry. Often when you go to an insurance broker in Spain to arrange car insurance, when you receive your policy documents you will often find you have been insured through Liberty Seguros. They also offer boat insurance, household insurance, life insurance, business insurance and golf insurance.

Liberty Seguros contact details:

Website: www.libertyseguros.es

Linea Directa

The Spanish equivalent of United Kingdom based Direct Line Insurance. Services include: Fully comprehensive car insurance from just €299. Moped insurance. Motorbike insurance (Your scooter from €110 and your trail bike from €99). SME motor policy (fleet insurance). Home insurance. Quad insurance. Linea Directa have English speaking support staff and policy documents in English. They operate in a similar manner to Direct Line in the UK in that they specialise in competitive low-cost cover over the telephone.

Linea Directa Contact Details:
Telephone: 902 123 148.
Website: https://www.lineadirecta.com

Millie Munro

"Millie Munro offers the best possible advice available on the Costa Blanca for private health insurance and pre-paid funeral plans (from Golden Leaves). From her office in Benitachell, Millie and her staff bring a wealth of experience to her clients."

Millie Munro Contact Details:
Telephone: 966 493 082.
Website: http://milliemunro.com/

Nash Warren Insurance Services

Nash Warren are principally a United Kingdom based insurance company and broker who now have representation in Spain, so they are ideal if you are an expat living in Spain who wants insurance in Spain. Three main product areas are:

1. Spanish Motor Insurance Policies. Nash Warren is now able to offer you a comprehensive range of motor insurance products which cover UK or Spanish registered vehicles and can incorporate protected bonus schemes.

2. Spanish Commercial Insurance Policies. We cover a wide range of businesses from cafe's to shops and offices.

3. Spanish Property Insurance. Nash Warren Insurance is now able to offer property insurance for which includes residential property, holiday homes and Buy-to-Let properties.

Nash Warren Contact Details:
Telephone 0034 968 156 583 .
Website: http://www.nashwarren.co.uk/Spain/index.shtm

Reale Seguros Spain

Reale Seguros (Reale Insurance) provides insurance in Spain. Reale is part of the Reale Mutual Group of Italy which was founded in 1828. Reale has 285 offices throughout Spain.

Telephone: 902 365 240

Reale Seguros/Reale Insurance Website

Protectapet Insurance

"Protectapet Insurance provides you with Comprehensive Pet Insurance and was introduced by Wayne Massingham in 1999 when he discovered that Spain did not have a policy for Expatriates living abroad. As Spain’s leading Pet Insurer for Expatriates in Spain, with European cover, Protectapet Insurance policies have been specifically tailored to suit the needs of your pets in Spain and Europe."

Protectapet Contact Details:
Telephone: 900 801 123
Protectapet Website

INSURANCE TERMINOLOGY

Unfortunately when it comes to Spanish insurance there is a lot of jargon and contracts contain a lot of terms and words which most people find hard to understand. Put simply, insurance involves a contract between two parties. You are often referred to as the insured and the company who insure you are referred to as the insurer. Your contract is often referred to as a policy (póliza in Spanish). This sets out in writing the terms and conditions of the agreement between you both. You the insured agree to make specific payments for an agreed period (usually one year) and that payment of the premiums means the insurer indemnifies you against certain specified risks i.e. accidents, damages, theft etc. The item that is insured is referred to as the subject, often a car, house or even yourself. Should a claim be necessary, the contract will specify the precise amount(s) to be paid to the beneficiary.

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