Insurance in Málaga for expats
Living in Málaga means sunshine, sea views, and a busy expat community – but also specific insurance questions. From coastal apartments and holiday rentals to driving on Andalusian roads and private healthcare, we help you find the right cover in Málaga with clear English support.
Quick overview – insurance in Málaga
- Popular with Northern European expats and retirees
- Mix of city apartments and coastal villas
- Strong demand for home, health, and car insurance
Málaga at a glance (for insurance)
Who lives here?
Retirees, remote workers, and families from across Europe – many with second homes or long-stay rentals.
Typical properties
City apartments, coastal flats, and villas around the Costa del Sol – often used as second homes or holiday lets.
Most requested cover
Home insurance, health insurance, car insurance, and public liability for small businesses and autónomos.
What expats ask us
'Is my apartment covered when I'm away?', 'Which health insurance works best in Málaga?', 'How do I insure a car registered in Spain?'
How living in Málaga affects your insurance
Home insurance in Málaga
Coastal weather, older buildings, and periods where properties are empty can all influence home insurance in Málaga. Many expats own second homes or use their apartments as holiday rentals, which requires the right combination of buildings, contents, and landlord or short-let cover.
Learn more about home insurance in Spain.
Car insurance in Málaga
Driving in and around Málaga means a mix of city traffic, coastal highways, and visitors renting cars. Whether you've registered your car on Spanish plates or just arrived with a foreign vehicle, we help you find cover that fits local rules and your driving profile.
See our car insurance for expats in Spain.
Health insurance in Málaga
Málaga has good access to both public and private healthcare. Many expats choose private health insurance for faster appointments, English-speaking doctors, and visa or residency requirements. We compare Spanish insurers that work well for expats in Málaga.
Explore private health insurance in Spain.
Business & liability for autónomos in Málaga
If you run a small business, work as an autónomo, or offer services from Málaga, you may need public liability or professional indemnity cover. We help you understand what's required for your activity and what's simply smart protection.
Read more about business and liability insurance.
Popular insurance types in Málaga
Choose the insurance that fits your situation in Málaga. All policies available in English with local expertise.
Home insurance in Málaga
Protect your Málaga apartment or villa against leaks, storms, theft, and liability – even if you're away for long periods.
Best for: Second homes, rentals, and long-stay flats
View home insurance
Health insurance for expats in Málaga
Get private health cover with English-speaking support, access to local clinics, and visa-compliant plans if needed.
Best for: Residency, retirees, and families
View health insurance
Car insurance in Málaga
Cover for cars registered in Spain and guidance if you're switching from foreign plates. Third-party to full comprehensive.
Best for: Spanish and EU-registered vehicles
View car insurance
Travel insurance from Málaga
If you regularly fly between Málaga and your home country, annual multi-trip cover can be more cost-efficient.
Best for: Frequent travelers and expats visiting home
View travel insurance
Business & liability cover
Public liability and professional indemnity for autónomos and small businesses based in Málaga.
Best for: Self-employed and business owners
View business insuranceFrequently asked questions – insurance in Málaga
Common questions from expats living in Málaga.
Is home insurance more expensive in Málaga because it's on the coast?
Coastal risk (storms, salt, humidity) can affect pricing, but it depends on the exact location, building type, and how often the property is occupied. We compare offers from multiple insurers to find a balanced option.
Can I insure a holiday home in Málaga if I live in another country?
Yes. Many of our clients are non-residents with second homes in Málaga. You'll need to choose the correct type of policy (second home / holiday let) and declare if you rent it out.
Do I need health insurance to live in Málaga as an expat?
It depends on your residency and visa status. Many non-EU expats need private health insurance that meets specific requirements. We can recommend plans that work for Málaga-based expats.
Can I get car insurance in Málaga with a foreign driving licence?
In many cases yes, but insurers may ask how long you've been in Spain and whether you've exchanged your licence. We'll guide you through what each insurer needs.
Does my travel insurance need to mention Málaga specifically?
Usually not; what matters is your country of residence and where you're travelling. For Schengen/Spain-focused trips, your address in Málaga is enough.
What documents do I need for home insurance in Málaga?
Typically your property deed (escritura), community fees confirmation (if apartment), and photos of the property. For holiday lets, you may need the tourist rental licence (VFT/VUT number).
Are there English-speaking insurance agents in Málaga?
Yes. We're a licensed broker based in Spain with native English speakers on our team. All quotes, policies, and claims support are available in English.
Related guides
Learn more about insurance in Spain
Ready to get the right insurance for Málaga?
Speak with our English-speaking team about your specific needs in Málaga. We'll compare quotes from multiple insurers and find the best fit for you.