Registered Exclusive Insurance Agent in Spain
247 Expat Insurance is an English-speaking expat insurance service in Spain, working with our partner insurers through registered insurance channels and helping foreign residents arrange suitable cover.
Spanish insurance is a regulated market. Anyone arranging policies for the public must operate through one of the recognised distribution channels set out under Spanish and EU law — whether as an insurer, an agent, a broker or another authorised intermediary. For consumers, this matters: it determines who you are dealing with, what regulation applies and where you can turn if something goes wrong.
247 Expat Insurance operates as an English-speaking expat insurance service in Spain. We work with our partner insurers through registered insurance channels, which lets us help foreign residents arrange suitable cover while staying within the regulated framework.
How Spanish Insurance Distribution Is Regulated
The Spanish insurance market is regulated by the Dirección General de Seguros y Fondos de Pensiones (DGSFP), under the Ministry of Economy. Insurers, agents and brokers must meet specific requirements and operate within set categories of distribution. The main categories include:
- Insurers — the companies that issue the policies and pay the claims (Sanitas, Caser and others we work with).
- Exclusive agents — agents who represent one insurer (or a small group of insurers under one mandate) and place business on their behalf.
- Brokers — independent intermediaries who place business across multiple insurers without exclusivity to any of them.
- Other distribution channels — banks, comparison portals, affiliates and tied operators, each with their own regulatory category.
The category an organisation operates in determines its regulatory obligations and its relationship to the insurer.
How 247 Expat Insurance Operates
247 Expat Insurance is an English-speaking expat insurance service in Spain. We work with our partner insurers (notably a Spanish-regulated insurer and Caser) through registered insurance channels to help foreign residents arrange suitable cover — with an English-language experience from quote to claim.
The practical effect for you: you get the same a Spanish-regulated insurer or Caser policies you would get directly from those insurers, with the same underwriting, the same terms and the same regulatory protections — plus an English-speaking service layer to help you understand the cover, choose the right plan and handle issues if they arise.
What This Means for You
- Your policy is issued by a Spanish-licensed insurer (Sanitas, Caser or other).
- The policy is regulated by the same Spanish framework as any other policy from that insurer.
- You have the same consumer protections, the same Consorcio de Compensación de Seguros (CCS) backstop where it applies, and the same Dirección General de Seguros oversight.
- You get an English-speaking adviser to help you understand the cover, set things up correctly for your visa or residency route, and handle issues if they arise.
- One point of contact across health, home, car, travel and pet insurance.
Why English-Speaking Service Matters in the Spanish Market
Spanish insurance policies are written in Spanish, and the regulatory framework, claim processes and customer service channels are built around Spanish-speaking residents. For foreign residents — particularly those on visa routes like the NLV, DNV or student visa — this can introduce friction at every stage: understanding the small print, choosing between options, issuing the right certificate, dealing with the insurer at claim time.
247 Expat Insurance exists to remove that friction. We explain Spanish policy wording in English. We know what consulates and the UGE expect on certificates. We have a team that knows expat life in Spain — from Costa Blanca retirees to Madrid digital nomads to Costa del Sol families — and we help you make sensible choices based on your situation, not a template.
What We Don't Do
- We do not position ourselves as a broker operating across the whole market. We work through registered channels with selected partner insurers.
- We do not give regulated financial advice, tax advice or legal advice. For those, speak to a Spanish gestor, abogado or financial adviser.
- We do not arrange health cover that does not meet visa standards just because it is cheaper. If a cheaper policy would not pass the consulate or UGE, we will tell you.
Frequently Asked Questions
Is 247 Expat Insurance a broker or an agent?
Who issues my policy?
What regulator oversees this?
What is the Consorcio de Compensación de Seguros and how does it apply?
Can I see the policy documents in English?
What if I want a different insurer?
How do I make a claim?
Talk to an English-Speaking Adviser
Got a question about how we operate, the regulatory framework, or which insurer is right for your situation? Get in touch — we will explain in plain English.