How to save money on insurance in Spain …

Choosing the best insurance in Spain for you and your family is not always as easy as in your home country. Most companies and websites only offer their own insurance policies. Insurance brokers are not a common as in other countries. This can make searching for insurance in Spain quite a tedious task.

Here’s a solution …

Following months of research we are happy to let you know of a reputable, independent insurance broker who offers all kinds of insurance policies for health cover, home and contents, vehicles, pets and much more, with policies from over twenty different insurance companies.

As an independent broker, they do the work for you, searching for the best policy for your insurance in Spain, whatever type it may be and for the policy that best suits your needs.

Let’s look at the different types of insurance and the next step to receiving a no obligation quote from our broker …

Who should take out Health Insurance in Spain?

Anybody who has not been a resident in Spain since 2012 and is not contributing to the Spanish social security system, either as an employee on a Spanish contract (receiving a nomina) or a self employed worker (autonomo).

(*Please note this does not include pensioners who have reciprocal agreements within member states!)

Most expats take out private medical insurance in Spain, not just for medical care, but also for ambulance and dental services. If you are not covered by the spanish social security healthcare system, it would be wise to take insurance sooner rather than later, so that you do not risk being uninsurable for medical problems which arise over the course of time and to avoid any unexpected and expensive medical bills.

For a no obligation health insurance quote, please send us the following information: (for each person to be insured):

Name, date of birth, place of residence,  contact email 

Upon receipt of this information, the insurance brokers will contact you with your no obligation quotes.

insurance in spainWhat should be covered by Car Insurance?

Basic car insurance coverage should include compulsory civil liability and third party insurance, plus other responsibilities derived from the vehicle catching fire or any damage that occurs. As in other countries, you also have the options of Fully Comprehensive (todo riesgo), Third party (teceros) with options that include windscreen damage (lunas), fire (incendio) and breakdown asisstance (asistencia en viaje).

Each company offers packages to suit all vehicle types. Remebber to ask about the excess on any insurance claims (franquicia).

To request a no obligation vehicle insurance quote please send us the following information:

Your full name, date of birth, make and model of vehicle, registrations number, address,  contact email 

 

Upon receipt of this information, the insurance brokers will contact you to request further details of your requirements.

DSC_1362Who should take out Home Insurance in Spain?

If you are renting a property in Spain, you may want to consider taking out a home content insurance policy (contenido). Many owners who rent out their property will insure only the building itself and their own contents such as furniture, fixtures and fittings. In the event of a fire or theft, you may well discover that your own belongings are not covered.

If you are a property owner in Spain, you should consider both building and contents insurance (contenido y continente). As in other countries, the value you place on the building and its contents will influence the price of the policy.

To request a no obligation home insurance quote please send us the following information:

Your full name, property address, contact email 

 

Upon receipt of this information, the insurance brokers will contact you to request further details of your requirements.

We do not want to dwell on this point but we would like to stress the importance of having the correct type of insurance in Spain to suit your own personal situation. It costs nothing to request a no obligation quote and it could save you a lot of money in the long run.

For any further assistance and quotes for different types of insurance in Spain, please complete this form and a broker will contact you:

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Lisa Sadleir

Founder at Family in Spain SL
We love Family Life In Spain. Join us as we share experiences and essential updates, advice & assistance related to living in and moving to Spain. ¡ Olé !

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