insurancesite

Our Insurance Policies. Giving you peace of mind.

Get covered today. See our wide range of products and services that we can provide.

Health Insurance

Choosing a private health insurance provider in spain is one of the most important decisions you will make, please read through our site and have a look at what kind of health insurance plans we offer.

First of all if you are an expat and not entitled to Social Security cover in Spain, then you have to find the best health insurance policies you can afford, the alternative would mean paying for the treatment yourself and furthermore travelling back to the UK and visiting the NHS. Aside from that you have to ask yourself if you are you concerned you won’t be able to communicate with your local GP in your language the event of a problem?

OUR HEALTH INSURANCE POLICY IN UNDER 60 SECONDS

Do you not want to wait for months to visit a specialist on the national health? Do you want the best private health insurance in Spain for your family? Are you moving to Spain and have not reached retirement age and don’t intend to work? Then insuring with usis the best option. Get in touch for a quote.

Health Insurance FAQ's

To be able to obtain residencia in Spain you would need a private health insurance policy without co-payments, proof will be requested when you apply for residency.

There is currently an agreement between the UK and Spain and if a British pensioner retires in Spain and receives their state pension in Spain, they are entitled to free Spanish health care once fully registered.
Depending on the level of cover chosen, the amount of co-payments, your age and area in Spain, you can have a policy that would give you full cover with high co-payments from 25€ a month for an 18 year old to 150€ a month for a 65 year old with no co-payments.

Life Insurance

What is life insurance in Spain? It is a contract with an insurance company to provide beneficiaries of the insured party with a lump-sum payment known as a death benefit. With a life insurance policy in Spain, you can protect your assets and make sure your next of kin is not left with incurring debt.

Life insurance can be a confusing subject for some, so we aim to try and explain what life insurance in Spain is, how theses policies can cover you and protect your assets and inheritance.We are the life insurance specialists for long term life insurance.

Life insurance here is similar to the UK, an insurance policy on your life. In the event the unforeseen happens, the policy will pay out to your next of kin. This agreed amount for life insurance cover or life assurance cover, can serve to cover a loss of income for your spouse, to clear loans or debts, cover inheritance costs or just to make life easy for the beneficiary if something happened.

We can also offer to include a double or even the capital insured in the event of death by accident, death by road traffic accident, permanent invalidity for accidents or road traffic accidents.

 

Get in Touch With us For a Life Insurance Quote

Car Insurance

Spanish car insurance is an agreement that will cover damages to your car, damages to other vehicles if you were to hit someone else and other events that may occur. Car Insurance In Spain Is a legal requirement and includes protected no claims bonus cover, 35 days courtesy car cover, and full European breakdown cover.

Whether you’re looking to switch insurers or find cover for that brand new ride of yours, we have your back! Regarded as the best providers of car insurance in Spain, we strive to meet all the demands of clients by offering the most competitive premiums options against car insurance companies.

Car Insurance FAQ's

That will depend on your insurance policy, most policies cover for drivers over 25 or 27 with more than 2 years license automatically, however named driver policies are also available.

Third party liability cover is obligatory in Spain, all though breakdown cover is not, it is illegal to tow a car with another car in Spain.
Car insurance prices in Spain vary depending on age, no claims bonus, area in Spain, make and model of car, premiums for third party only with breakdown, legal, medical and glass start from 185 euros.

Home Insurance

We offer the most comprehensive home insurance Spain cover for building, contents, jewellery and valuables in your home, rented property or holiday home in Spain as a homeowner or as a tenant.

We offer competitively priced policies in English, English speaking staff to deal with your claim and a professional personal service to take the worry out of insuring your home, holiday home or property in Spain.

In our policies we include:

  • 24-hour home emergency assistance for plumbers, builders, electricians, carpenters and locksmiths
  • Optional full accidental damage cover for building and contents
  • Automatic cover for jewellery and valuables up to 20% of the contents sum insured in your home
  • Cover for excess water consumption up to 1.000€ in the event of a leak, even if no damaged caused
  • Cover for blocked pipes, even if the blockage does not cause any damage
  • Full cover for electrical damages
  • Cover for plants and trees with a limit of 10% of the building sum insured. Maximum 600€ per plant or tree
  • You are not limited to cover for 1 claim per year like some other companies
  • Optional extra for covering jewellery outside the home available
  • Polices in English, claims dealt with in English
  • Cover to travel to Spain if the home has had a major problem.
  • Alternative accommodation if the property is uninhabitable
  • Optional cover for jewellery and valuables outside the home
  • Landlords liability and basic cover for tenants contents

Get in Touch With us For a Home Insurance Quote

Funeral Insurance

Funeral insurance is a solution that intends to help coordinate and provide funeral services when an insured person passes away. Funeral Insurance In Spain Is available for persons who would like funeral costs and administration taken care of so you are not leaving your family with the extra expenses involved with burial or cremation.

Funeral Insurance Policy in Spain are different to life insurance. A life insurance policy will pay out an agreed amount of money in the event of death, permanent invalidity and critical illness, depending on the options you have covered in your policy. (for more information about our life insurance policies please click here.) A funeral insurance policy will cover the costs of your funeral only. Our funeral policies are provided by Liberty Seguros, the Spanish branch of the Fortune 500 American insurer Liberty Mutual, one of the USA´s largest insurers. We have two options, a one-off premium or a regular premium. With years of experience in our hand, we are the leading provider of funeral insurance policy in Spain.

Our funeral insurance policy is the best way to help your loved ones in the funeral expenses when you will no longer there to support them. We are one of the best funeral insurance companies in Spain.

Let us Help With Your Insurance

Got any questions? Want us to help with your insurance?
Fill in the contact form and we will get back to you withing 24 hours due to how busy our team are at the moment with new policies.

    What insurance are you interested in

    Home InsuranceHealth InsuranceLife insuranceCar InsuranceFuneral Insurance

    LUZ123 will review your current bill, ensuring you are on the best rates.  If there are better options available we will let you know and help you switch.

    • Hundreds of happy clients
    • English speaking
    • Quick, free and easy

    Send us your details and we will give you a call

      LUZ123 will review your current bill, ensuring you are on the best rates.  If there are better options available we will let you know and help you switch.

      • Hundreds of happy clients
      • English speaking
      • Quick, free and easy

      Send us your details and we will give you a call