247 Expat Insurance holds approved broker partner status with Caser, one of Spain’s longest-established insurers and part of the Swiss-headquartered Helvetia Group. For expat clients, that designation is more than a logo on a website — it determines which products we can place, how quickly we can issue cover, and how directly we can intervene when a claim needs pushing through.
This explainer sets out what the partnership covers, why Caser carries the weight it does in the Spanish market, and what clients can expect when their broker operates inside that approved channel.
What “Approved Partner” Actually Means
Approved partner status is not a marketing label. It is a contracted distribution relationship that gives the broker direct quoting, binding, and servicing access across an insurer’s product range. For 247 Expat Insurance, that means we transact Caser business through dedicated broker portals rather than through a generic comparison feed, with named underwriters and claims handlers available for escalations.
The practical effect for clients is faster issuance, accurate pricing on day one, and a single point of contact who can move a case forward without bouncing the customer between call centres.
The Five Caser Lines We Place
Our Caser appointment spans the five product lines that matter most to British and international residents in Spain.
Caser Salud (Health)
Caser’s private medical insurance sits at the premium end of the Spanish market, with policies suitable for residency applications, NIE/TIE holders, and expats who want a co-payment or full-cover structure. We place individual, family, and senior products through the broker channel.
Caser Hogar (Home)
Home insurance for owner-occupiers, landlords, and second-home owners. Caser Hogar is widely accepted by Spanish mortgage lenders and pairs cleanly with property purchases where the bank requires buildings cover from a recognised carrier.
Caser Auto (Car)
Third-party and fully comprehensive motor cover for residents driving Spanish-plated vehicles. Useful where a client wants to consolidate their household, health, and motor cover under one broker and one renewal calendar.
Caser Hipoteca Inversa (Reverse Mortgage)
A specialist product aimed at homeowners aged 65 and over who want to release equity from their Spanish property while retaining occupancy. Caser is one of the few mainstream Spanish carriers active in this space, and the product is highly regulated — broker placement gives clients a structured walk-through rather than a direct cold quote.
Caser Decesos (Funeral Cover)
Decesos is a uniquely Spanish line covering funeral arrangements, repatriation, and the administrative aftermath of a death. Caser has been writing decesos cover for more than a century and operates one of the largest funeral service networks in the country. For British and Irish expats, this product removes a significant logistical and financial burden from surviving family members.
Caser’s Position in the Spanish Market
Caser was founded in 1942 and joined the Helvetia Group in 2020, giving it the backing of a major European composite insurer alongside its established Spanish franchise. Three features set Caser apart in the segments we place:
- Regional clinical network. Caser Salud’s provider directory is dense across both the major cities and the coastal regions where expats cluster — Costa Blanca, Costa del Sol, the Balearics, Catalonia and Madrid.
- Premium positioning. Caser is not the cheapest carrier in Spain, and it does not try to be. Its pricing reflects broader hospital access, faster authorisation turnaround on specialist treatment, and a service tier appropriate for clients with complex needs.
- Decesos heritage. Few European insurers carry an in-house funeral operation. Caser’s decesos book is one of its oldest lines and remains a market leader, which matters when families need a single phone number at the worst moment.
What Clients Get From a Caser-Partnered Broker
Working through 247 Expat Insurance rather than going direct to Caser produces three concrete client benefits.
Multi-product placement under one broker. Clients can hold their health, home, motor and decesos cover under a single broker file. Renewals are tracked centrally and we flag overlaps, gaps, or pricing drift across the portfolio.
Claims advocacy in English. Caser’s customer-facing channels operate primarily in Spanish. Our role on a claim is to translate, escalate, and where necessary challenge a decision with the underwriter directly. That intervention is available to every client on every line we place.
Bundling and household consolidation. Because we sit across the Caser product range, we can structure households with logical renewal dates and consistent excesses. For clients with property, a car, and family health cover in Spain, that consolidation is meaningful.
Where Caser Sits Alongside Sanitas
247 Expat Insurance operates as a broker with appointments at both Caser and Sanitas, the two carriers we have judged appropriate for the expat market we serve. Each has its strengths, and a properly conducted advice conversation should establish which carrier — or which combination — fits the client’s residency status, location, age profile, and budget.
The Caser appointment exists so clients have a substantive choice, not a single-carrier default.
Or contact our team to discuss multi-product cover.
247 Expat Insurance is an approved broker partner of Caser, part of the Helvetia Group. Product availability, eligibility, and pricing are subject to underwriting and to the terms of each policy. This article is provided for general information and does not constitute personal insurance advice.