Home insurance
Your home in Spain is an asset. A house represents a big lifetime investment whether you decide to use the property as your own residence, rent it out or indeed sell it. Floods, fires and break-ins, they all happen in Spain and your home in Spain is at risk of all of the above. Protect your investment – a small premium paid now can avoid any future problems.
Main Difference from the UK
Most properties are located on urbanizations. All the properties within an urbanization form a community. Most communities have insurance policies to cover public areas and may cover the buildings part of your insurance. However, beware! Many community covers are very basic and you may need additional gap/first loss cover to ensure that you are properly protected so prior to making a decision, find out what exactly your community is covered for.
Car Insurance in Spain
Driving in Spain can be daunting for even the most proficient drivers. Roads, road signs and driving styles are different to what we are used to, so make sure that you are properly protected.
Main Difference from the UK
In the UK, it is the driver and not the car that is insured. In Spain, it is the car and not the driver that is insured. So if you want to drive someone else’s car, make sure that their car policy covers you to drive. Your own insurance is non-transferable. Find out more from our quick insurance guide.
Pet Insurance in Spain
Dogs roaming freely around the streets and stray cats would lead you to believe that the Spanish have a very relaxed attitude to pet care. On the contrary, Spanish laws regarding pets and dangerous animals, have just been updated and are being enforced. At present there is a huge clamp down on pet owners, ensuring that all paperwork, documentation and insurance are in place.
Main Difference from the UK
Standard pet insurance is usually suffice for the average dog or cat. However some of these will not cover dangerous breeds of dog. Often Spanish household policies will enable you to add in cover for a dangerous dog and will cover the legal amount of public liability covered required.
Travel Insurance in Spain
Don’t think that just because you are living in Spain, your all time favourite destination, that you will never leave the country again. It s always good to have a change of scenery, even in paradise! Travel insurance is essential as you will probably be travelling more, visiting family in the UK or running away from them when they come to visit you! There are different types of travel policies and if you are planning to travel more than once a year, you may find it more economical to purchase a multi-trip policy
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Main Difference from the UK
In the event of repatriation, many travel policies will send you back to where you came from. If you start your journey from Spain you will be sent back to Spain - however you may want to be sent back to where your family is.
