Whether you live in Mallorca year-round or spend part of the year at a holiday home, we arrange health, car, home, and holiday home insurance in English — for all nationalities, seven days a week. Palma, Pollença, Alcúdia, Sóller, Andratx and beyond.
Get a Free Quote Call: +34 868 290 730The Island
Mallorca is unlike any other expat destination in Spain. The largest of the Balearic Islands attracts a uniquely diverse international population — and, crucially, one that divides clearly between those who live here year-round and those who own a property but spend only part of the year on the island. This seasonal dimension shapes almost every aspect of insurance on Mallorca, from home cover to healthcare to car insurance. Getting it right requires a agent who understands the island's specific rhythms and risks, not one applying a generic mainland Spain approach.
The German community is the largest single non-Spanish expat group on the island — Mallorca has been affectionately called the "Insel der Deutschen" (Island of the Germans) for decades, and German culture has left a visible mark on everything from restaurants and estate agents to German-language schools and medical practices. British expats form the second-largest group, followed by Scandinavians, Dutch, and other northern Europeans. All of these communities have insurance needs that are best served by an English-speaking agent with access to a multilingual support network — which is precisely what 247 Expat Insurance provides.
We cover all nationalities.
German, British, Scandinavian, Dutch — whatever your nationality, we arrange insurance in English and handle all insurer communication on your behalf. Call +34 868 290 730 or message us on WhatsApp, seven days a week.
Towns like Palma, Pollença, Alcúdia, Sóller, Andratx, and Calvià each have distinct characters and different expat profiles. Palma is the cosmopolitan urban hub with a year-round population. Pollença, Andratx, and Sóller attract more established, higher-net-worth residents in historic stone fincas and renovated rural properties. Alcúdia and the north of the island are popular with families and those who want access to the best beaches. Property values across the island are significantly higher than the mainland average, which makes proper insurance cover more important — and proper sum insured calculations more consequential.
Your Cover Explained
Mallorca's combination of high-value property, a large seasonal resident population, island driving conditions, and significant marine and holiday let activity creates a distinctive insurance landscape. Here is what you need to know.
Healthcare in the Balearic Islands is managed through the regional health authority, which operates its own network of primary care centres and hospitals. The main public hospital on the island is Son Espases University Hospital in Palma, which is a large, well-equipped facility. However, for expats who have not yet qualified for access to the public health system through employment contributions — including non-lucrative visa holders, digital nomad visa holders, and those who are between jobs or retired without an S1 certificate — private health insurance is essential.
Mallorca's private healthcare sector is concentrated primarily in Palma and the surrounding area, with private hospitals and specialist clinics serving the international population. For those living in the north of the island — Pollença, Alcúdia, and the Cap area — or on the western finca belt around Andratx and Calvià, it is important that your health insurance policy covers treatment at facilities across the island, including in Palma, rather than restricting you to a small local network.
A number of private clinics on the island have German-speaking medical staff, reflecting the size of the German community. We work with insurers whose claims teams can handle communication in German as well as English, ensuring that all our clients are properly supported regardless of their preferred language.
Seasonal residents who are on the island for three to six months of the year face a particular question: do you need Spanish health insurance, or does your existing home country policy cover you adequately during your time in Mallorca? The answer depends on your residency status, visa situation, and the terms of any existing cover. We assess this individually and advise you on the most cost-effective and legally compliant solution.
Driving in Mallorca has its own island character. The main roads connecting Palma with the major towns are modern and well-maintained, but the narrow rural roads in the Tramuntana mountains — which are a UNESCO World Heritage landscape — require care and local knowledge. Summer is a particular challenge: tourist rental cars multiply dramatically from June to September, the roads around Alcúdia, Pollença, and Cala d'Or become heavily congested, and the famous Cap de Formentor road is restricted to buses and taxis during peak hours to manage the volume of visitors.
For permanent residents, the standard requirement to register and insure a vehicle in Spain applies — comprehensive cover is strongly recommended given the island's mix of road conditions, summer congestion, and the fact that being in a minor accident in a rural area can be a complicated logistical event. For seasonal residents who keep a car in Mallorca year-round but only use it for part of the year, we can discuss flexible insurance arrangements that reflect actual usage without voiding cover during periods of non-use.
Property insurance is arguably the most important and most varied insurance product for Mallorca expats, because the range of property situations is so wide. You might be a year-round resident in a Palma apartment, a seasonal resident in a historic finca in the Tramuntana, or the owner of a holiday villa in the south of the island that you visit twice a year and let for the remaining forty weeks. Each of these situations requires a different insurance approach.
For year-round residents, a standard home insurance policy covering buildings, contents, and personal liability is appropriate, with particular attention to the rebuild value — which on Mallorca's high-value property market can be very different from the market price. Historic stone buildings and rural fincas have high rebuild costs that standard property valuations often underestimate.
For holiday homeowners, the issue is more complex. Any property left unoccupied for more than 30 to 60 consecutive days is outside the scope of a standard home insurance policy, and most Mallorca holiday properties are empty for far longer than that each year. Holiday home insurance covers extended vacancy, provides liability protection for guests and for neighbours (water leaks from empty properties are a common claim), and can include contents cover at appropriate limits for a furnished holiday home. If you rent the property — whether through a local agency or through online platforms — the policy must be arranged with rental activity disclosed and covered. The Balearic Islands have specific regulations around tourist rental licences (VFT — Vivienda de Uso Turístico), and operating a let property without the correct licence can invalidate an insurance policy. We advise you on the declaration requirements before you arrange cover.
Mallorca and the broader Balearic Islands are one of Europe's premier sailing and boating destinations. Many property owners keep a boat at one of the island's marinas — Palma, Port d'Andratx, Puerto Pollença, Puerto Alcúdia, and Port de Sóller among others — or moor a RIB or dinghy on a private jetty. Marine insurance is a separate product from home insurance and covers hull damage, theft, third-party liability, and salvage costs. Jet skis and personal watercraft also require their own cover. We arrange marine insurance for a wide range of vessel types and usage patterns, and we are happy to advise on the level of cover appropriate for how and where you use your boat.
The short-term rental market on Mallorca is significant, and many expat property owners contribute to it. As noted above, operating a short-term let requires a VFT licence from the Balearic Islands government, and any insurance policy covering a let property must reflect that rental activity. We arrange insurance for licensed holiday let properties across Mallorca, covering the structure, furnishings, guest liability, and — where appropriate — loss of rental income following an insured event. Do not assume that your existing home insurance covers paying guests; in most cases it does not.
Even living on a Mediterranean island, you still travel. Regular flights back to the UK, Germany, or Scandinavia are part of island life for many Mallorca expats. An annual multi-trip travel insurance policy designed for Spanish (or Balearic) residents ensures you are covered for emergency medical treatment, trip cancellation, and personal liability on every trip — without the policy collapsing at the claims stage because you are not technically resident in your home country.
Our Products
Year-round and seasonal cover. Island-wide hospital networks. All nationalities welcome.
Explore HealthComprehensive policies for island residents. Seasonal use and summer congestion considered.
Explore CarVillas, fincas, apartments, and holiday let properties. Correct rebuild values and vacancy cover.
Explore HomeBoats, yachts, RIBs, and jet skis. Hull, liability, and theft cover for Mallorca marina owners.
Get a QuoteAnnual multi-trip cover for Mallorca-based residents travelling to the UK and worldwide.
Explore TravelFAQ
Yes. A standard home insurance policy is typically voided or severely restricted when a property is left unoccupied for more than 30 to 60 consecutive days. Holiday home insurance is specifically designed for properties used part of the year and left empty for extended periods. It covers vacancy risk, provides liability cover for guests if you let the property, and can include cover for periods when the property is rented through platforms such as Airbnb or a local rental agency.
If you hold a non-lucrative visa or digital nomad visa, private health insurance is a legal requirement. If you are employed and contributing to social security, you will have access to the Balearic Islands' public health network. However, private health insurance offers faster specialist access, English-language consultations, and a broader choice of facilities. Mallorca has a well-developed private healthcare sector and we arrange policies with island-wide networks.
The same Spanish insurance rules apply in Mallorca as on the mainland, but island driving has its own characteristics. Summer traffic congestion, particularly around Pollença, Alcúdia, and the Cap Formentor road, can be significant. Seasonal residents who only use their vehicle part of the year may benefit from flexible policy options. We arrange comprehensive car insurance for Mallorca-based vehicles and advise on seasonal use considerations.
Yes, provided you have the appropriate tourist rental licence (VFT) required by the Balearic Islands government. A standard home insurance policy will not cover rental activity by paying guests. We arrange holiday let insurance that covers the property during rental periods, including guest liability, accidental damage by guests, and loss of rental income cover.
Absolutely. Mallorca has the largest German expat community of any Spanish destination. While our primary language of communication is English, we work with insurers who have German-speaking claims teams and are accustomed to German clients. We are committed to ensuring every expat on the island gets the support they need, regardless of nationality.
Yes. Mallorca is one of Europe's premier sailing and boating destinations, and many property owners keep a boat at one of the island's marinas. We can arrange marine insurance covering motorboats, sailing yachts, RIBs, and jet skis, including third-party liability, hull damage, and theft. Speak to us about your specific vessel and mooring situation.
Year-round resident, seasonal owner, or holiday homeowner — we have the right insurance for your situation. Available seven days a week, with contacts in Spain, the UK, and the USA.
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