Insurance guide for residents, expats and property owners
Insurance in Spain simply explained
Information on car insurance in Spain, health, home, liability and accident insurance — clearly explained in English, with checklists, cost guidance and common pitfalls.
Insurance inquiries with personal support
Quotes through a partner MAPFRE agency in Spain
Enquiries submitted through versicherunginspanien.com may be forwarded to a partner MAPFRE agency in Spain. The agency prepares the personalised quote, arranges the policy and then handles policies, premiums and claims.
Official MAPFRE brochures in German (PDF)
The contents of this website remain general information. Only the personalised quote and the general and special insurance conditions are binding.
Important insurance policies in Spain
Start with the topic that is important to you right now. Car insurance for Germans in Spain is currently particularly sought after.
🚗 Car insurance Spain
Third-party, extended third-party and comprehensive cover, roadside assistance, costs and documents for German residents in Spain.
Read about car insurance →🏥 Health insurance
Public care, private health insurance, S1, residents and self-employed.
Read about health insurance →🏠 Home insurance
Buildings, household goods, holiday properties, rentals, water and storm damage in Spain.
Read about home insurance →🛡️ Liability
Private liability, pet owner liability and protection for tenants, owners and families.
Read about liability insurance →🩹 Accident insurance
Additional protection in the event of permanent consequences of an accident – for work, leisure, sport and travel.
Read about accident insurance →Insurance in Spain: what Germans should pay attention to
Anyone who emigrates to Spain, works here, owns a property or spends a longer period of time will encounter different terms, contract models and processes than in Germany. Especially when it comes to car insurance, health insurance and home insurance it is worth not just looking at the price.
What is important are coverage amounts, excesses, exclusions, language in the event of a claim, assistance/breakdown assistance, waiting times for health insurance and the question of which documents an insurer actually requires.
Check quickly
- Is the insurance in Spain really valid and suitable for your situation?
- Are important additional services such as assistance, glass, theft or water damage included?
- Can you understand conditions, exclusions and claims procedures in German?
Frequently asked questions about insurance in Spain
What insurance is compulsory in Spain?
Valid motor vehicle liability insurance is mandatory for vehicles. Other insurance may be important depending on the situation, for example health insurance, home insurance or liability.
Why is car insurance so important in Spain?
A vehicle may not be driven without valid insurance. In addition, assistance, comprehensive insurance, driver information and claims service differ greatly between the plans.
What is the next sensible step?
For specific inquiries, car insurance is currently the strongest topic. That's why there is a separate detailed page with costs, documents and typical errors.
Spanish insurance terminology
Look up insurance terms
What do Franquicia, Póliza, Siniestro and Copago mean? Our Spanish insurance glossary explains key terms in English and links to the relevant insurance topics.