Home, car and health insurance for expats in Spain
Moving to Spain, or already living here? We are an independent insurance broker in Marbella, in business since 1976. We explain how Spanish insurance works, help you choose and take care of the paperwork, in English.
Home and car cover on this page is for clients of non-Spanish nationality.
What we can insure for you
Three types of cover that people who move to Spain ask us about most.
Home insurance
For owners and tenants: your main home, a second home you use part of the year, or a property you rent out.
Home insurance for expatsCar insurance
From compulsory third party to fully comprehensive, for cars on Spanish or temporary plates. Drivers aged 25 and over.
Car insurance for expatsHealth insurance for residency visas
Private health cover with no co-payments and no waiting periods, with the certificate your visa application asks for.
Residency visa health insuranceHow Spanish insurance differs
A few things work differently from what you may be used to at home. These are the ones that catch people out.
Home policies split building and contents
A Spanish home policy insures two things separately: the building (walls, floors, roof, fitted kitchen, fixed installations) and the contents (furniture, appliances, clothes and belongings). Owners usually insure both. Tenants usually insure their contents and their liability, because the landlord insures the building.
Third party car liability is compulsory
Every car used in Spain must carry compulsory third party liability insurance, which pays for injury and damage you cause to others. Driving without it is a serious offence and the car can be taken off the road. Everything above that minimum, such as glass, theft or damage to your own car, is voluntary and you choose it.
What you need to take out a policy
Your nationality, your passport or NIE, and the details of the property or the car: where it is, how you use it and, for a car, its make, model and plates. We tell you exactly what we need for your case before you send anything.
How we work
- 1
Tell us what you need
Message us on WhatsApp, email or call. Tell us your nationality and what you want to insure.
- 2
We check and compare
We confirm you can take out the policy and look for the cover that fits how you live in Spain.
- 3
We explain it in English
Before you decide, we go through what is covered, what is not and what the policy asks of you.
- 4
We stay with you
Changes, renewals and claims: you deal with the same people in Marbella, not a call centre.
Business and rental
Beyond your own home and car.
Your shop or business in Spain
Many of our expat clients run a shop, restaurant or small business on the coast. We insure those too.
Shop and business insuranceRenting out your property?
If you let a property in Spain, rent default cover is available. It is subject to underwriting and a waiting period, and it does not apply to tenants already in arrears.
Rent guarantee insuranceFrequently asked questions
Clients of non-Spanish nationality. Home insurance is for adults aged 18 or over who own or rent the home. Car insurance is for drivers aged 25 or over, as private individuals or companies.
Tell us whether you have a passport, an NIE or both, and we will tell you what the policy needs. You do not have to send any document to ask for a quote.
No. We insure cars on Spanish plates, or on temporary plates while the Spanish registration is completed. A car on foreign plates cannot be insured on this policy.
Health insurance for residency visas has its own page, because it works differently and is open to any nationality: health insurance for a Spanish residency visa.
Yes. Alberto and Cristina look after expat clients and reply in English, in writing, on WhatsApp and by phone.
No. Segurmar is an independent insurance broker based in Marbella since 1976. We arrange the policy with the insurer, explain it to you and help you when you need to make a claim.
Talk to us
Tell us your nationality and what you would like to insure, and we will come back to you. Our office is in Marbella.
Monday to Friday, 9:00 to 14:00 (Spanish time)
- WhatsApp Message us on WhatsApp
- Email [email protected]
- Phone +34 952 82 23 73
This page explains in general terms how insurance works in Spain. It is not advice on your particular case: cover, limits and exclusions depend on the policy and are set out in its documents. Ask us before you decide.