Insurance in Spain for Expats

Every type of cover an English-speaking expat needs in Spain — health, car, home, travel, motorbike, reverse mortgage, funeral and more — under one DGSFP-registered roof.

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DGSFP-Registered Broker English-Speaking, 7 Days Every Insurance an Expat Needs Trusted by Expats Across Spain

One Broker. Every Insurance an Expat Needs in Spain.

Living in Spain as an expat means stitching together a stack of policies that almost no single Spanish insurer sells well in English — private health for your residency, car cover that recognises your UK or US licence, home insurance that understands holiday-let usage, travel cover for trips back to family, plus the practical extras like motorbike, reverse mortgage and funeral cover. Doing it piece by piece across five different call-centres in Spanish is how most expats end up overpaying and underinsured.

247 Expat Insurance is a Spanish DGSFP-registered broker built around that exact problem. We quote across the leading Spanish insurers in one conversation — in clear English, seven days a week — so you can keep your whole insurance file with a single team that already knows your residency status, your renewal dates and your claims history.

Whether you’re moving over on an NLV, a Digital Nomad Visa or as a returning Spaniard, retiring on the Costa del Sol, riding a motorbike across Andalucía or releasing equity from a Spanish property — the categories below cover what we write every day. Pick the product you need now and add the others as life in Spain settles in.

DGSFP-RegisteredAuthorised by the Spanish insurance regulator (Dirección General de Seguros y Fondos de Pensiones) — real broker, real compliance, real recourse.

English-SpeakingEvery quote, policy wording, claim and renewal handled in clear English by a team that works with expats every day.

7 Days a WeekWhatsApp, phone and email support across the whole week — including weekends when most Spanish insurers are closed.

9 Core Insurance LinesHealth, car, home, travel, motorbike, funeral, reverse mortgage and visa-specific health — all under one broker file with shared renewals.

Insurance Categories We Cover

Nine core categories cover what expats in Spain ask us about every day. Each branches into the sub-products that match how you actually live here — NLV vs DNV health, comprehensive vs third-party car, villa vs apartment home, annual vs single-trip travel.

Health Insurance

Private health cover for families relocating, retirees, over-65s and expats with pre-existing conditions — with English-speaking specialist referrals and nationwide hospital networks.

NLV Health Insurance

Consulate-compliant health cover for the Spanish Non-Lucrative Visa — zero co-payments, full repatriation and the certificate wording your consulate expects.

DNV Health Insurance

Health insurance worded for the Digital Nomad Visa and the Unidad de Grandes Empresas — no co-pays, no waiting periods, full repatriation and an English certificate.

Car Insurance

Third-party, third-party extended and fully comprehensive cover for expat drivers — including EVs, hybrids and UK licence holders post-Brexit. NCD transfer help included.

Motorbike Insurance

Third-party, extended and comprehensive cover for British and international riders on Spanish plates — tourers, sports bikes, scooters and classic motorbikes.

Home Insurance

Buildings and contents cover for villas, apartments, holiday homes, fincas and landlord lets — with Airbnb-friendly extensions and comunidad-aware policies.

Travel Insurance

Single-trip, annual multi-trip, senior and worldwide cover — for trips back to the UK, US or Australia, European city breaks and longer-haul travel from your Spanish base.

Reverse Mortgage and Equity Release in Spain

Reverse Mortgage & Equity Release

Spanish hipoteca inversa for British and international retirees who own their Spanish home — release equity, stay in the property, lifetime tenure protected by Spanish law.

Funeral Insurance

Decesos cover that handles repatriation, cremation or burial logistics in Spain — with English-speaking case managers who walk your family through Spanish funeral paperwork.

Who We Insure

If you’re an English-speaking resident, applicant or property owner in Spain, the chances are one of these profiles already looks familiar — and the right insurance stack looks different for each.

NLV applicants and holders — consulate-compliant private health with no co-pays, plus the home, car and travel cover you’ll need once residency is granted.
Digital Nomad Visa applicants — health insurance worded for DNV requirements, paired with tenant or home cover for your Spanish base.
UK retirees post-Brexit — private health to bridge the S1 gap, motor cover that handles UK licence and NCD transfer, and travel cover for trips back to family.
US and Canadian retirees — cover sized for higher-value households, with English claims handling and US-style expectations on service.
Families relocating to Spain — multi-policy bundles covering health for kids, family car, home and school-trip travel under one renewal cycle.
Riders and motorbike owners — British and international riders on Spanish plates, including tourers, sports bikes, scooters and classics.
Retired homeowners considering equity release — the Spanish hipoteca inversa route for British and international retirees who own their property mortgage-free.
Second-home owners, students and returning Spaniards — holiday-home buildings cover, student visa health policies and re-establishment cover for Spaniards returning from abroad.

Why Expats Choose 247 Expat for Their Insurance

After many years insuring English-speaking residents across mainland Spain and the islands, the same six reasons come up in almost every renewal conversation we have.

All-English service from quote to claim. Every policy document, certificate, renewal letter and claims call handled in clear English — not a Google-translated PDF or a Spanish call-centre script.
Single point of contact across products. One broker file holds your health, car, home, travel and motorbike cover. Move house, add a teenager, get a new bike — one WhatsApp thread updates everything.
DGSFP-authorised and regulated. We’re registered with the Spanish insurance regulator, so the policies we sell sit inside Spain’s compulsory consumer-protection framework with proper claims recourse.
NCD transfer help for new arrivals. We help UK, Irish and other European drivers transfer their no-claims discount onto a Spanish motor policy — often saving 30–60% versus a Spanish quote from scratch.
Weekend availability when it matters. Saturdays and Sundays are when expats actually buy property, collect cars and decide on insurance. We’re reachable on WhatsApp the whole week.
Multi-insurer quoting in one conversation. We quote across Sanitas, Caser and other leading Spanish insurers — so you see the real options for your situation, not one captive product.

Why Choose 247 Expat Insurance

We’re a Spanish DGSFP-registered broker built specifically for English-speaking residents in Spain — with a single team handling every insurance category an expat is likely to need.

DGSFP-Registered

Authorised and regulated by the Dirección General de Seguros y Fondos de Pensiones — the Spanish insurance regulator. Real broker, real compliance, real recourse.

English Across Every Product

Quote, policy wording, certificates, claims and renewals — all in clear English, whether the line is health, motor, home or motorbike.

7 Days a Week

WhatsApp, phone and email support across the whole week, including weekends — because moving to Spain doesn’t pause for office hours.

Expat-Specialist

We understand NLV consulate requirements, DNV wording, NCD transfers, Brexit motor rules, comunidad bylaws and Hacienda paperwork — not generic insurance advice.

One Broker, Every Product

Health, car, motorbike, home, travel, funeral, reverse mortgage and visa-specific health — all under one file. One renewal calendar, one team, one WhatsApp.

Multi-Insurer Quoting

We quote across the leading Spanish insurers in a single conversation — you see the real market for your profile, not one captive product.

Frequently Asked Questions

What insurance do I need as a Spanish resident?

Spanish law makes a few specific policies compulsory — minimum third-party motor insurance for any registered vehicle, employer’s liability if you employ staff under a convenio colectivo, and decennial insurance for new-build construction. Beyond that, comunidad bylaws often require basic home insurance for apartments, and the NLV and DNV residency routes require private health cover that meets specific consulate criteria. Most expats build a stack of private health, home, car and travel cover as a baseline, then add motorbike, reverse mortgage or funeral cover as life in Spain settles in.

Can I have one broker for everything?

Yes — that’s exactly how most of our expat clients use us. We hold your health, car, motorbike, home, travel and any specialist cover on a single broker file, so when you move house, change cars, add a partner or buy a holiday home, one conversation updates every relevant policy. Renewals are aligned where possible so you’re not juggling six different dates across six different Spanish insurers, and claims always come back to the same English-speaking team.

Do you only sell DGSFP-authorised policies?

Yes. Every policy we place sits with an insurer authorised by the Dirección General de Seguros y Fondos de Pensiones — Spain’s insurance regulator. That means the cover falls inside Spain’s compulsory consumer-protection framework, with a clear complaints route through the Servicio de Reclamaciones del Cliente. We’re also DGSFP-registered as a broker ourselves, which is a separate authorisation from the insurer’s, and which carries its own professional indemnity requirements.

How quickly can I get cover started?

For most personal lines — health, car, motorbike, home, travel — we can issue a binding certificate the same working day, often within a couple of hours once the quote is accepted and the first premium is paid. NLV and DNV health certificates can usually be sent the same afternoon. For reverse mortgages and higher-value home policies, the underwriter may want extra documentation, but we’ll tell you exactly what’s needed up front so there are no surprises.

Do you serve digital nomads, NLV applicants and retirees?

Those three groups make up a large share of our book. We write consulate-compliant NLV health policies with zero co-pays and full repatriation; DNV health policies worded for the Unidad de Grandes Empresas requirements; and retiree-focused health, home and travel bundles for over-60s and over-65s including pre-existing condition cover. Each route has its own paperwork quirks, and we handle the wording, certificates and apostille questions in English.

Why use a broker vs a direct insurer?

A direct Spanish insurer can only sell you their own product, in Spanish, on their own terms — and if there’s a claims dispute you’re negotiating directly with the company that owes you money. A DGSFP-registered broker like 247 Expat works for you, quotes across multiple insurers in one conversation, translates the wording into English, and acts as your advocate at claim time. For expats the difference is usually decisive: better price, clearer cover, English support and a single point of contact across every product.

Specialist Lines for Expats

Beyond the nine core categories above, we also write a number of specialist lines for expats with specific situations — pets in tow, rented accommodation or a visa-specific health requirement.

Pet Insurance — veterinary fees, third-party liability and travel cover for dogs and cats relocating to or living in Spain, including breed-specific PPP policies.
Tenant Insurance — contents and liability cover for expats renting a flat, villa or studio in Spain, with English-speaking claims and landlord-friendly certificates.
Student Visa Health Insurance — consulate-compliant student health policies with zero co-pays, full repatriation and English certificates for the visa file.
Digital Nomad Visa Health Insurance — private health cover worded specifically for the DNV consulate and Unidad de Grandes Empresas requirements.

Get Your Insurance Quote — Any Product

Tell us what you need cover for and where you’re based in Spain. We’ll quote across the leading Spanish insurers in clear English, seven days a week — whether it’s a single policy or your whole expat insurance stack.

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