Could your insurance be better?
Forward us your insurer’s email with the policy. We check the cover, the terms and the price, and tell you whether there is an alternative that makes sense. Or whether it is already fine.
No obligation. We reply within 48 working hours.
- Since 1976
- Independent broker
- Marbella
How will you send us your policy?
Thirty seconds. Nothing to fill in.
Forward my insurer's email The quickest way. Recommended.
- 1. Search for "policy" or your insurer’s name in your email. It usually arrives when you take out or renew the policy.
- 2. Tap Forward and paste our address.
- 3. That is it. We will reply within 48 working hours.
If your insurer only sends you a link to its customer area, download the PDF from there, or take a photo and send it on WhatsApp.
Send a photo or PDF on WhatsApp If you have it on paper or on your phone.
Take a photo of the schedule of cover: the page showing your cover and the price. That is enough to get started.
Open WhatsAppI am already a Segurmar client You do not need to send anything.
We already have your policy. Just tell us which one to review.
Is your PDF password-protected?
That is normal: many insurers use your ID number. Forward it anyway. We will ask for the password by phone or WhatsApp, never in the same email.
We use your policy only to review it and delete it once we are done. More information in our privacy policy.
We do not just look at the price
Tap each part of the policy to see what we check and why it matters.
Car insurance
- Policyholder
- Paco Seguro Marbella
- Vehicle
- Seat Marbella 1.2
- Registration
- 1976 SGM
- Period
- 01/01 to 31/12
Tap a line to see what we check
Home insurance
- Policyholder
- Paco Seguro Marbella
- Risk
- Main residence
- Address
- Avenida del Mar, Marbella
- Period
- 01/01 to 31/12
Tap a line to see what we check
What the insurance pays for and when. Two "third party plus" policies can be very different: windscreens, theft, fire, roadside assistance from your doorstep or only beyond a certain distance.
How much each cover pays up to. A low limit on legal expenses or assistance can fall short exactly when you need it.
A €300 excess means you pay the first €300 of every claim. It lowers the premium, but it should be your choice, not a surprise.
What it does not cover even if it seems to: an undeclared driver, business use of the vehicle… It is usually in the general terms, not on the first page.
We look at it, of course. But always together with everything above: a cheaper policy may be covering a lot less.
What the insurance pays for and when. With water damage, for example: does it cover finding the leak, or only repairing what got wet? And theft away from home?
What your home and everything in it are worth, according to the policy. If the sum insured is lower than the real value, the insurer may pay only part of a claim: this is underinsurance.
A €150 excess means you pay the first €150 of every claim. In home insurance, with many small claims, it adds up more than it seems.
What it does not cover even if it seems to: slow leaks, cosmetic damage, a home left empty for months… It is usually in the general terms.
We look at it, of course. But always together with everything above: a cheaper policy may be covering a lot less.
Sample policy. Figures are illustrative.
Better does not always mean cheaper
Once we have reviewed it, this is what we can tell you.
-
Pay less
If there is an equivalent alternative that costs less.
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More cover
Better protection at a reasonable price.
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Fix the gaps
Exclusions or limits that leave you short.
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Make it fit you
If your life has changed and your policy has not.
Or confirm it is already fine
"Your insurance is well set up. We do not see an improvement that would justify changing it."
If that is the conclusion, we will tell you so. Reviewing it does not commit you to changing anything.
Time to review your insurance?
Three questions. Ten seconds.
Answer the three questions and we will tell you what we see.
Probably fine
If you like, we will take a look anyway and confirm it. Sometimes the best news is that nothing needs to change.
Send my policyWorth a look
Something is different since last time. Checking it takes little time and clears up any doubts.
Send my policyA good time to review it
Time has passed, something has changed or the price has gone up. This is exactly when it pays to check it still suits you.
Send my policyFrequently asked questions
No. The review is free and there is no obligation.
No. You can send us a policy taken out with any insurer or through any channel.
48 working hours from when we receive the policy.
Forward it anyway. We will ask for the password by phone or WhatsApp, never in the same email.
First we review. Then we recommend.
We are an independent broker in Marbella, since 1976. We work with several insurers, so we can compare. And if your insurance is already fine, we will tell you.
Review my insurance