How to get a cheap insurance quote in Andalucia in English

Mon 25 November 2019

Insurance | INSURANCE IN ANDALUCIA

INSURANCE ANDALUCIA.

INSURANCE FOR EXPATS IN ANDALUCIA.

A GUIDE TO INSURANCE IN ANDALUCIA - COSTA DEL SOL.

If you are looking for the best or cheapest car insurance in Andalucia, or any other form of insurance in Andalucia, you might be better off looking for an online Insurance service provider like www.insuranceinspain.com.

ANDALUCIA INSURANCE PROVIDERS ONLINE.

Online insurance providers often have an extensive range of insurance services that you may not find at your local Insurance Agency in Andalucia. By finding an Insurance provider online, that operates in Spain, you will get a better choice of Insurance Companies to use. At least, the online Insurance provider that covers Andalucia will be able to search a plethora of Insurance companies to find you the right Insurance product. Major online Insurance Agents and Insurance Brokers

LOCAL INSURANCE AGENTS IN ANDALUCIA.

Local Insurance Agents in Andalucia may not be able to provide you with a selection or adequate choice of insurances as they are usually tied Insurance Agents, and therefore you are unlikely to find the right insurance cover at the right price.

Online Insurance markets for Spanish Insurance for Car Insurance, House, Holiday Home, Health, Pet, Marine, Life, Motorhome and all other General Insurance products are easy to find with a quick search online. It’s quick to do and one of the advantages is that you can access the system from anywhere at any time.

You might want to use a local insurance of in Andalucia so that you can pop in and actually see your Insurance Agent in Andalucia. This practice was very popular in the 1990’s and prior to that, Insurance Agents in Andalucia and all over Spain, would actually travel out to your home to discuss all your insurance requirements. Meetings in Bars were commonplace, until it became apparent that there were a lot of “people” pursuing scams to rid you of your money. This practice still goes on.

INSURANCE AGENTS & BROKERS IN ANDALUCIA.

Andalucia is a big place and getting around by car can be difficult, particularly in major shopping areas. Parking is difficult and popping into your Insurance Agent might not be so easy. Few have offices with private parking for clients. They are only open 5 days a week and usually closed between 1 pm and 4 pm for the traditional afternoon break.

www.insuranceinspain.com is an online insurer and we provide insurance products for just about anything. From British registered car insurance for new or vintage and classic vehicles, to specialised cover for business and public and private liability insurances.

We pride ourselves in the fact that we will search and find you just about any form of insurance, no matter how big or small the premium. We will not hound you or pressure you into buying from us and we will give you honest and trustworthy advice from our team of insurance specialists.

FINANCIAL ADVICE IN ANDALUCIA.

www.insuranceinspain.com can also provide you with a local, qualified, registered and regulated, English speaking professional financial consultant, that can come to your house, or meet in their own offices, absolutely free of charge. Sorting out your financial planning, inheritance and Spanish tax issues, can be a complex matter and we treat any financial consultation as completely private and confidential.

CAR INSURANCE IN ANDALUCIA.

Like most car insurance premiums in Spain, they are based on the type, value and condition of the vehicle, your age, driving experience and no claims bonuses. Foreign registered cars can be insured although the number of insurance companies in Spain offering car insurance for British registered cars is diminishing, probably due to the uncertainty of Brexit, it is still available www.insuranceinspain.com can provide Expats with insurance cover for Cars, Motorhomes, SUV’s, 4 x 4 vehicles, Motorcycles, Scooters, Vintage and Classic cars, Lorries, Trucks and Vans, Caravans, Horseboxes, Trailers and just about anything on wheels.

HOUSE INSURANCE IN ANDALUCIA.

With such a large variety of property types in the Andalucian area, insurance for Apartments, Bedsits, Bed and Breakfasts, Holiday Homes, Villas, Penthouses, Businesses and commercial rental properties, beachfront properties and new buildings, it is important to get the right insurance.

BUILDINGS & CONTENTS INSURANCE IN ANDALUCIA.

If you are renting a property in Andalucia, your Landlord should have some form of Landlords insurance and this should, all things being equal, cover the building for damages, burst pipes etc. If the property is supplied with furniture and fittings, they should also provide cover for their own contents.

Their insurance will NOT cover your own personal effects and belongings. Contents insurance is inexpensive, and you can get cover for any form of contents insurance including accidental damage and all risks insurance. Accidental damage insurance will cover your contents from being damaged by any form of accident, even if your dog wags its tail and knocks over your priceless vase.

Art works and items of value will need to be itemised and preferably photographed. If you have a valuation, it helps. All valuables, including jewellery and watches will need to be kept in a safe, that needs to be very secure, by being bolted to the floor or wall. Jewellery and handbags can also be covered with an all risks insurance property, so if your handbag is stolen from your shopping trolley or from your car, with violence, you will be reimbursed. Contact our specialised House and Home insurance team and we will talk you through the best ways to protect your assets in Spain with Insurance.

HOLIDAY HOME INSURANCE IN ANDALUCIA.

Owning a holiday home in Andalucia Spain is a dream come true for many. Protecting it should be your most important priority. You have worked hard to buy it, so make sure you do protect it with the right type of insurance. A holiday home insurance or Landlords insurance is different from conventional house insurance. Both of these insurance policies do offer a very important Emergency Call out service, 24 hours a day 365 days a year and can be used even if you are not there.

LANDLORDS AND RENTERS INSURANCE ANDALUCIA.

Landlord and Renter insurance is designed to protect your property from damages, rental arrears and loss of income, Liability insurance and provide Emergency Insurance cover for plumbers and repairmen, 365 days a year, 24 hours a day. Vital if you rent your property and live in another country.

HEALTH INSURANCE IN ANDALUCIA.

Having an EHIC card, a European Health Insurance Card from your country of origin will get you treated under the Spanish National Health System. Brexit and other issues may change all this in the near future.

Health insurance for your Residencia in Andalucia.

A recent requirement for living in Spain is that Expats have a minimum requirement of a health insurance policy to be able to obtain a Residencia. Many are turning to Private Health Care and Medical Insurance in Spain.

Private Health Insurance is big in Spain. Longer life expectancy and the great Mediterranean diet, sunshine and proximity to the United Kingdom, lure many to Spain The National Health Service in Spain is fabulous, but like the UK, waiting times are getting longer ass the system comes under stress from the number of people using the system.

Advances in medicine, and the rising costs of Health Care is being offset with insurance. Some insurance companies in Spain will cover some pre-existing conditions and the premium is based on your age and medical history. Health insurance policies in Spain are usually annual policies and start from January and end in December. If you contract a policy in September, you will be required to pay for the premium from September to the end of December and renew the policy in January.

With Private Health Insurance you can visit a Doctor that is on the list of Doctors provided by the Health insurance Provider. If you want a specific Doctor in a certain area, then find out what Health Insurance companies have that Doctor on their lists. Doctors do operate for several different insurance companies and the medical centre or Doctor you want to use will tell you which insurance companies he is operating under.

Be aware that some Health Insurances operate in specific areas and may not cover you anywhere else in Spain. Contact our Health and Medical Insurance specialists and we can tell you which Health Insurance covers the areas you want to be covered for.

Health Insurance premiums increase with age and usually within 5-year increments. You will be given a Health Insurance Card and a booklet containing the list of Doctors surgeries, hospitals, specialists and medical centres that you can use throughout Spain.

Some Health Insurance companies will allow you to see any doctor of your choice anywhere in the world and you will have to pay for the consultation upfront and then be reimbursed by the health insurance company you have contracted. Not all operate in this way and you may not get back the full amount.

Cancelling or changing a Health insurance provider.

If you decide after some time that you are not happy with the Health insurance company you are using, you will need to make sure that you have notified the health insurance company of cancellation at least 3 months in advance. You will not be able to cancel it within the last two months and you will be charged the next years premium, and they will take you to court if you do not.

When changing to another health Insurance provider, they may, in some cases, accept any existing medical conditions to secure your business, but check first before changing as premiums may be affected.

LIFE INSURANCE IN ANDALUCIA.

Life insurance in Spain can provide you with mortgage protection, a lump sum to cover your funeral and funds for your family in the event of your death, by accident or ill health. Terminal illnesses and critical illnesses are also covered.

It is very important to remember that life insurance can also form part of your Estate and be caught up in the inheritance tax trap. It is important to make sure that the Life insurance policy you contract, will cover you for any future needs, such as moving to a different country. Not all life insurance policies in Spain offer worldwide cover, so be careful.

As always, the earlier you start a Life Insurance policy, the cheaper it will be. Whole of life, which covers you until death, at whatever age, or term life insurance, which covers you for a specific period, are two of the most common ones.

Life insurance Companies can also offer a life insurance policy that has a certain amount of investment in it so that if you are protecting a mortgage or loan, as the value of the loan or mortgage decreases, the value of the life insurance increases.

Don’t take life insurance policies from Spanish Banks. They are more expensive, offer less cover, and usually increase in premium every year, even though the cover amount will remain the same. Banks in Spain have been trying to make life insurance compulsory as a condition of taking up one of their mortgages or loans. This practice has been made illegal, so don’t let the Spanish Banks bamboozle you into taking one of their life insurance policies.

INSURANCE IN SPAIN FOR EVERYTHING.

We could be considered as the one stop shop for insurance in Spain. We don’t just sell insurance; we try to advise and educate our clients on the best type and the most economical ways to achieve their goals, whatever you want to protect.

For any form of insurance, even if you just want to find out what your existing policy does cover, contact us for a no obligation, private and confidential quote or chat. www.insuranceinspain.com