Whatever your personal circumstances, we can help you with your Spanish insurance needs. Let us help you compare the market for expat insurance Spain by showing you the lowest and cheapest quotes available for whatever type of insurance in Spain that you need.
The Spanish 
word for insurance is seguros. Insurance in Spain is a massively important subject – as a foreigner in Spain it is more likely that things can go wrong and that you could end up in situations you do not fully understand.
Finding yourself uninsured or under-insured could be financially disastrous. When expected things happen in your home country they are bad enough but when they happen in a foreign country such as Spain you just want to deal with them and get through them in the easiest and most convenient way possible.
As expatriates (expats) ourselves in Spain we understand that when you are looking for costs and quotes for insurance in Spain it is so important that you understand exactly what cover you get and what levels of after-care support do you receive in the event of a 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 Companies in Spain
We only recommend insurance companies Spain and insurance agents that are experienced in and meet and service expats needs in Spain.
Major brokers and companies involved in providing insurance to expats in Spain include: AXA, Allianz, Catalana Occidente, Generali, Zurich, Mutua Madrilena, Caser Seguros, Adeslas, Sanitas, Aviva, Standard Life, HBOS Financial Services, Legal & General, AEGON, 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 Insurance, 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 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.
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.
Remember that living in Spain, you are living in a foreign country – don’t assume things are the same as you have experienced 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 used to in your home country.
Insurance-Spain.com is 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.
Insurance 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 insurance policies now are ones where you can buy on line with Internet only companies which have low overheads.
Use the navigation column to the right to 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.
Top 10 Spanish Insurance Resources:
1. Mapfre Insurance
2. Liberty Seguros
3. Linea Directa
4. Allianz
5. Knight Insurance
6. Abbeygate Insurance
7. Compare The Market
8. Caser Seguros
9. IBEX Insurance
10. Car Insurance Spain
Below we have a quick start guide to the main types of insurance in Spain.
Health Insurance Spain
Most visitors to the Insurance Spain website are looking costs for health cover and 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
Driving in Spain is quite hazardous and dangerous as we know ourselves so car insurance in Spain is essential as well as required by law. 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, motorcycle/motorbike insurance Spain, motorcycle insurance Spain, scooter insurance in Spain, van insurance Spain and caravan insurance for 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.
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
Spanish home 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.
Click here for our main section on home insurance in Spain.
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.
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 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.
Other Types of Insurance in 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.
Maybe you are opening a business and need to insure premises, vehicles or staff in which case you will need commercial insurance in Spain.
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.
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 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 Videos
Below we have a video from a TV news channel who interview an insurance expert who gives great advice on what insurances you really need and what insurance premiums you can probably avoid taking out – use your common sense of course!
Insurance Terminology
Unfortunately when it comes to 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.
We look forward to helping you with your insurance needs for Spain…. the Insurance Spain team.