Post-Brexit Checklist

Moving to Spain After Brexit — Insurance Checklist

Post-Brexit, UK nationals moving to Spain face the full non-EU visa application process. This checklist covers the insurance and documentation items UK movers need to think about as a result of the post-Brexit framework — from visa-compliant health insurance to the FCDO Legalisation Office apostille chain.

UK Post-Brexit Mover Help

Send your route and intended Consulate (London/Manchester/Edinburgh).

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What changed after Brexit for UK movers

  • UK nationals now follow the non-EU long-stay visa process (NLV, DNV, Student Visa, etc.)
  • EHIC replaced by GHIC for short-term travel (not residency)
  • Full apostille and translation chain on UK documents
  • Driving licence exchange typically required within 6 months
  • UK private health plans typically don’t meet Spanish visa requirements

Insurance checklist for UK movers

Before applying

  • Confirm which visa route applies (NLV most common for retirees, DNV for remote workers)
  • Quote Spanish-regulated cover for the visa file
  • Plan ACRO criminal record certificate timing

At the visa application stage

  • Spanish-regulated health insurance certificate referencing the visa type
  • Annual payment receipt
  • Policy schedule
  • Repatriation cover where required

After arrival in Spain

  • TIE registration within 30 days
  • Empadronamiento
  • Spanish bank account
  • Driving licence exchange

UK-specific apostille

The FCDO Legalisation Office handles UK document apostille — ACRO criminal record, marriage certificates, birth certificates. Allow 4–8 weeks for the combined ACRO + FCDO chain plus translation.

UK private health insurance and the visa

UK private plans (Bupa UK, AXA PPP Healthcare, Vitality UK, AVIVA, WPA) are designed for healthcare within the UK. They typically don’t hold Spanish regulatory authorisation and may not meet the structural requirements for Spanish visa-compliant cover. See UK insurance for Spanish visa.

UK tax considerations

UK-Spain double tax treaty applies. Once Spanish tax resident (typically after 183+ days), worldwide income is taxable in Spain. Pension and capital gains treatment depends on type. Speak to a UK/Spanish tax adviser.

Practical UK setup items

  • UK bank account — keep active for transition
  • UK driving licence — exchange in Spain within 6 months
  • NHS deregistration considerations
  • UK voter registration / overseas voter status
  • UK property considerations if keeping or selling

Speak to an Adviser

Send your UK Consulate and route.

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FAQs

Do UK citizens need a visa post-Brexit?

Yes for stays over 90 days — through one of the long-stay routes.

Will my UK private health insurance work?

Typically not for the Spanish visa application or Spanish residency.

Is GHIC accepted for residency?

GHIC is designed for short-term care during temporary stays, not residency.

Can I exchange my UK driving licence?

UK driving licences typically need exchange for a Spanish licence within 6 months of becoming resident.

What about my UK pension?

UK state pension and private pensions can be paid to Spanish accounts. Tax treatment per UK-Spain treaty applies.

UK Post-Brexit Move Help

Send your route and timing.

Get a QuoteTalk to an Adviser