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Insurance in Spain, clearly explained.
Practical guides to understand your insurance and decide better. No jargon, no fine print.
Car insurance in Spain for foreign drivers
Moving to Spain with a car or buying one here? Mandatory cover, licence validity, using your driving history from abroad, and the types of car insurance explained in English.
Read articleComprehensive car insurance with or without excess (franquicia): when each pays off
An excess (franquicia) lowers the price of comprehensive cover, but you pay part of every repair. How to work out if it’s worth it, which excess to choose and when to switch to extended third-party.
Read articleDog insurance in Spain: what the law requires
Liability insurance for potentially dangerous dogs, Spain’s Animal Welfare Law, and vet cover: what’s mandatory for dog owners in Spain, what’s recommended and how to choose.
Read articleInsurance for freelancers and autónomos in Spain
Is insurance mandatory for the self-employed in Spain? Which activities require it, which policies are worth having, and how to work out what you need.
Read articleInsuring a beach apartment or holiday let in Spain
A second home on the coast, or a flat you rent to tourists, needs different cover from your main home. What to check so you’re not left uninsured when something happens.
Read articleRenting in Valencia: do you need home insurance?
Your landlord’s insurance doesn’t cover your belongings or your liability. What tenant home insurance covers in Spain, when it’s worth it and how to choose.
Read articleHow Spanish insurance premiums change with age: natural vs level premium
In Spanish funeral and life insurance, the premium type decides how much you pay over the years. Natural, level and mixed premiums explained, and which suits whom.
Read articleYour yearly insurance check-up in Spain (15-minute checklist)
Once a year, review your insurance: amounts, cover, beneficiaries and prices. This checklist helps you do it in 15 minutes and spot where you’re overpaying.
Read articleFloods in Spain: how the Consorcio de Compensación de Seguros pays out
After an extraordinary flood like Valencia’s 2024 DANA, damage is paid by Spain’s Consorcio de Compensación de Seguros, not your insurer. Who’s covered and how to claim, step by step.
Read articleFuneral insurance with repatriation in Spain: what it covers and what it costs
If your family or roots are in another country, repatriation is the key cover in Spanish funeral insurance (seguro de decesos). What it includes, what to check in the policy and what drives the price.
Read articleFuneral insurance in Spain explained (seguro de decesos)
Seguro de decesos is one of Spain’s most common policies, and often a surprise to newcomers. What it covers, repatriation, premium types and whether you need it.
Read articleHealth insurance with or without co-payment (copago): how to choose
What co-payment (copago) means in a Spanish health policy, when it saves you money and when it costs you more. With examples, a simple rule to decide and the details worth checking.
Read articleHealth insurance in Valencia: a guide for newcomers
How healthcare works in Valencia for people who've just moved here: public vs private, the SIP card, when private insurance makes sense, and how to choose a policy.
Read articleCan I switch the life insurance my bank sold me with my mortgage?
Yes. In Spain you can take your mortgage life insurance with another insurer. What the law says, when it pays off, a step-by-step guide and what to check first.
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