The most common fines for expats in Spain and how your car insurance can help
Did you know that many expats in Spain overpay for their insurance simply because they don’t know about the options designed specifically for them? Or worse, they discover too late that their policy doesn’t cover what they really need when they need it most.
If you’re looking for expat insurance in Spain, you probably already know you need protection for your home, car, or health. But choosing the right provider makes the difference between having true peace of mind and getting unpleasant surprises when you file a claim.
At The Insurance Centre, we’ve spent 30 years helping expats like you protect what matters most. We’re not just another insurance company: we’re specialists who understand the unique challenges of living in Spain as a foreigner. Here are the top 5 benefits you get when you hire us, so you can make the best decision for you and your family.
1. Multilingual service with personalized 24/7 support
When you live in a country that’s not your own, language can become a huge barrier, especially when you need to file a claim or understand your policy terms.
Our customer service team speaks your language. It doesn’t matter if your Spanish isn’t perfect or if you prefer to communicate in English: we have multilingual agents available to help you every step of the way.
What does this mean for you?
- You’ll never have to use Google Translate to understand your policy
- When you file a claim, we’ll explain everything in simple terms
- 24/7 availability because emergencies don’t follow office hours
- Personalized assistance from hiring to resolution of any incident
Imagine having a problem with your house on a Sunday afternoon. With The Insurance Centre, you don’t have to wait until Monday. We’re here when you need us.
2. Policies specifically designed for expats
Generic insurance for Spanish residents doesn’t always cover the specific needs of expats. You’re not a typical resident, so why settle for typical insurance?
Our expat insurance policies in Spain are designed with your particular situation in mind:
- Home insurance that covers both primary properties and holiday homes
- Coverage options for rental properties
- Private health insurance plans adapted for expats
- Car insurance with options for vehicles registered outside Spain during transition periods
- Coverage for pets, boats, motorcycles, and other assets
We understand that your life as an expat may include frequent travel, properties in more than one country, or specific medical needs. That’s why our policies are flexible and customizable.
Additional benefits that matter:
- Repatriation coverage in funeral insurance
- Roadside assistance throughout Europe
- Annual travel insurance options for those who visit their home country regularly
- Coverage extensions for specific events like floods or earthquakes, common in some areas of Spain
3. Best prices in the Spanish market
Being an expat doesn’t mean you should pay more. In fact, thanks to our 30 years of experience and our relationships with Spain’s leading insurers, we get the most competitive prices in the market.
How do we do it?
We work with multiple insurers, which allows us to compare options and find the best combination of coverage and price for your specific situation. We’re not tied to a single company, so we always look for what’s best for you, not for us.
This means you get:
- Quotes from multiple providers without having to contact each one
- Exclusive discounts for bundling multiple insurance policies (home, car, health)
- Competitive renewals year after year
- Total transparency in pricing, with no hidden charges
Many of our clients are surprised when they discover they can save between 20% and 40% compared to what they were paying before, while maintaining or even improving their coverage.
4. Experience and reputation backed by thousands of satisfied expats
With 30 years in the market, we’re not new to this. We’ve seen it all and know how to help you in any situation.
We’re recognized as the number one insurance provider for expats on the Costa del Sol and other regions of Spain. This reputation isn’t built overnight: it’s the result of decades of exceptional service and satisfied clients who recommend us to their friends and family.
What makes us different?
- Deep knowledge of the Spanish insurance system and how it works for expats
- Team with decades of experience resolving complex claims
- Solid relationships with insurers that facilitate faster processes
- Physical presence in Spain (office in Coín, Málaga) for face-to-face service
When you have a problem, you’re not dealing with a call center in another country. You’re dealing with a local team that knows Spain, understands your needs as an expat, and has the power to resolve your situation quickly.
We’re award-winning agents not by chance, but because we consistently exceed our clients’ expectations.
5. Complete assistance with claims management
This is perhaps the most important benefit of all. Anyone can sell you insurance, but the real test comes when you need to use it.
At The Insurance Centre, we don’t leave you alone when you file a claim. We accompany you through the entire process:
Our assistance process includes:
- Clear explanation of what your policy covers and how to proceed
- Help with all necessary documentation in your language
- Direct communication with the insurer on your behalf
- Active follow-up until your claim is resolved
- Advice on repairs, doctors, workshops, or suppliers when needed
Many expats tell us the same story: they bought cheap insurance online, but when they had a problem, no one helped them. They had to navigate the Spanish system on their own, dealing with the stress of language and bureaucracy.
With us, that doesn’t happen. We’re your representative, your translator, and your advocate. We know the system, we know the insurers, and we know exactly how to get your claim processed quickly and fairly.
Frequently asked questions about expat insurance
Do I need an NIE to get insurance in Spain?
For most insurance policies, yes, you’ll need an NIE, although we can advise you on a case-by-case basis. If you’re in the process of obtaining it, contact us anyway because there are temporary options.
Can I get insurance if I only spend part of the year in Spain?
Absolutely. We have specific policies for part-time residents and holiday properties. Just tell us your situation and we’ll recommend the best option.
What if I don’t speak Spanish?
No problem. Our entire team is multilingual and we communicate with you in your preferred language, both for hiring and for any subsequent management.
Do you charge for quotes?
No. All our quotes are free and without obligation. You can compare options at no cost.
Your peace of mind is just a phone call away
Choosing the right insurance shouldn’t be complicated. With The Insurance Centre, you get comprehensive coverage, competitive prices, service in your language, and the peace of mind of knowing there’s an expert team supporting you 24 hours a day.
For 30 years, we’ve been helping expatriates like you protect their home, their health, and their assets in Spain. Thousands of clients trust us not only for our prices, but for the way we treat them: with respect, transparency, and a genuine commitment to solving their problems.
Ready to get the protection you deserve?
Call us today on 952 451 033 or 619 000 712, contact us via WhatsApp, or request a free quote through our website. We’ll explain all your options with no pressure and help you find the perfect coverage for your situation.
Because when it comes to protecting what matters most, you shouldn’t settle for anything less than the best service for expatriates in Spain.
About Our Team
At The Insurance Centre, we’ve been helping clients since 1999 with friendly, professional, and multilingual insurance services tailored especially for expatriates in Spain. We work with top-tier, reputable insurance providers and have proudly received awards for excellence in customer service and expat insurance for the past 10 years.
We are fully registered with the Dirección General de Seguros (DGS) and are members of the Colegio de Mediadores. Our team speaks English, Spanish, French, and Swedish, ensuring clear and confident communication with clients from around the world.
