English-Speaking Insurance Broker in Spain for Expats – 2026 Guide
A complete 2026 guide explaining how an English-speaking insurance broker in Spain works, what types of cover expats really need, approximate price ranges, and how ExpatInsurances.es helps you compare Spanish insurers and get the right policy with confidence.
Quick Summary
Using a licensed, English-speaking insurance broker in Spain helps you understand how Spanish insurance works, compare offers from multiple insurers, get residency-compliant policies, and handle all your insurance needs with one trusted partner who speaks your language.
- Compare multiple Spanish insurers instead of getting just one quote
- Get residency-compliant policies for non-lucrative, digital nomad, student, and family visas
- English, Spanish, German and Finnish support for all insurance types
- Since 2012, we've helped over 15,000 expats across Spain
- Handle claims and policy changes with multilingual assistance
Why Use an English-Speaking Insurance Broker in Spain in 2026?
Spain has a strong insurance market, but most information, call centres and policy documents are still in Spanish. For expats, that creates three problems: you're never 100% sure what is and isn't covered, you don't know if the offer you have is actually good value, and you may miss important conditions that affect visas or claims.
Multilingual Support
Explaining everything in clear English, Spanish, German, or Finnish
Multiple Insurers
Comparing policies from several Spanish insurers to find the best fit
Expat-Focused
Cover tailored to visas, non-resident status, and international families
At ExpatInsurances.es, we are DGSFP licensed (registered Spanish insurance broker), independent from any single insurer, and focused on expats living, working or retiring in Spain since 2012.
What Types of Insurance Can We Arrange in Spain?
As a multi-product insurance broker, we help you with the main types of expat insurance in Spain:
Private Medical & Health Insurance
- Residency & visa-approved health insurance
- Private medical insurance for faster appointments
- Family health plans and English-speaking doctors
Car Insurance in Spain
- Car insurance for residents and non-residents
- Insurance for foreign plates and licence transfers
- Third-party to comprehensive packages
Home & Contents Insurance
- Buildings and contents cover for main residences
- Second home insurance for non-residents
- Landlord insurance for rental properties
Business & Liability Insurance
- Public liability and professional indemnity
- Cover for autónomos and small companies
- Business contents and office insurance
Life, Funeral & Repatriation
- Life insurance to protect mortgages and families
- Funeral insurance (decesos) and repatriation
- Plans for international families
Pet, Boat & Specialty Cover
- Pet insurance (vet bills & liability)
- Boat and yacht insurance
- Other specialized coverage options
How an Insurance Broker in Spain Actually Works
Many expats are used to buying insurance directly from a website or bank. In Spain, using a broker is often easier and safer, especially if you are new to the system.
We Work for You
We're independent from any single insurer. Our role is to analyze your needs and check options with multiple providers.
No Extra Cost
You don't pay extra for our advice – our commission is paid by the insurer, not by you.
Handle Paperwork
We help with policy documents in Spanish and English, official visa certificates, and proof for banks or landlords.
When Should You Contact an Insurance Broker in Spain?
You should talk to us before:
How to Get Insurance in Spain Through Our Broker – Step by Step
Contact an Insurance Expert
Reach us via call, WhatsApp or email and tell us where you live (or will live) in Spain, what cover you need, your visa type, and any special requirements.
We Analyse Your Situation
We'll clarify what is mandatory, what is recommended and what is optional. We check if you need visa-compliant insurance or standard cover, and identify the best insurers for your profile.
We Compare Leading Providers
You receive a clear summary showing monthly or annual prices, what is covered & excluded, waiting periods, and whether a policy meets residency/visa requirements.
You Choose – We Handle the Paperwork
Once you choose an option, we complete the application and documentation. For health insurance, we arrange the official certificate needed for consulates and visa applications.
Ongoing Support & Claims Help
After the policy starts, you can contact us for policy questions, adding family members, changing address, help with claims and renewals, or guidance if your situation changes.
Need an English-Speaking Insurance Broker in Spain?
Our licensed insurance team at ExpatInsurances.es helps you understand your options in clear English, compare multiple Spanish insurers, get residency-compliant insurance certificates, and enjoy ongoing support throughout your stay in Spain.
expatinsurances.es – licensed DGSFP broker helping expats in Spain since 2012
Expert reviewed
Written and reviewed by licensed insurance agents Maya Kallio and Marco Elsinger, who have helped over 15,000 expats in Spain since 2012.
Maya Kallio
Licensed Insurance Agent
Since 2012
Marco Elsinger
Licensed Insurance Agent
10+ years
Languages: English, Finnish, Spanish, German, Swedish
Frequently asked questions
Still have questions? Check these answers or get in touch.
Is my European Health Insurance Card enough?
No – EHIC is meant for short stays and emergencies, not for long-term residency. Most expats still need private medical insurance for visa applications and comprehensive healthcare coverage.
Can I insure my car if I'm not yet resident?
In many cases yes, but conditions depend on your documents, driving licence and plate status. We check the options across insurers for you to find the best solution for your situation.
Can I have one broker for all my insurance in Spain?
Yes. Many clients prefer to have one English-speaking contact for health, car, home, life and business insurance. This simplifies communication and ensures all your policies work together properly.
Do I pay extra to use a broker?
No. Our commission is paid by the insurer, not by you. Using a broker often helps you find better value policies because we can compare multiple providers and explain coverage details clearly.
Related guides
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Ready to get covered?
When you're ready, compare real insurance options in Spain and request a personalised quote in English.
Talk to an Insurance Expert
Get personalized advice from our licensed team. We'll help you compare Spanish insurers and find the right coverage for your situation.