Navigating Spain’s competitive insurance market can be a challenge, especially if you’re new to the country. From protecting your car and home to securing your family’s health and financial future, choosing the right company is a crucial decision.
This guide provides a clear, organized directory of the top insurers in Spain, along with practical, market-specific advice, so you can make an informed and confident choice.
How to Choose the Best Insurer in Spain: 4 Key Steps
Before exploring the list of providers, it’s essential to know how to evaluate them correctly.
1. Define Your Coverage Needs
First, identify what type of insurance you require. Are you looking for comprehensive car insurance, a home policy, private health insurance for expats, or a life plan? Knowing your needs will allow you to compare offers accurately.
2. Verify the License with the DGSFP
This is the most important step for your security. All insurance companies operating legally in Spain must be registered and supervised by the official regulatory body: the Dirección General de Seguros y Fondos de Pensiones (DGSFP). You can check any entity’s registration on the DGSFP’s official website to ensure it is a legitimate and solvent company.
3. Compare Quotes and Coverage (Not Just the Price)
Request quotes from at least three different insurers. Don’t focus solely on the price; read the policy information document and terms carefully. Pay close attention to coverage limits, deductibles, and, most importantly, the exclusions.
4. Research Reputation and Customer Service
Look for reviews from other customers on independent portals. A low price is worthless if the company doesn’t respond efficiently when you need to file a claim. A low ratio of complaints filed with the DGSFP is also a very good indicator.
Directory of Insurers in Spain
Below is our interactive directory of insurance companies. Use the filters to browse by category and click on each logo to find more information on their profile and access their official websites.
- All Insurers
- General & Life Insurers
- Health Insurance Providers
- Specialty Insurers & Global Reinsurers
- Insurance Brokers & Risk Advisors
- Other Financial Institutions (Banks)
Prudential Financial
Helping individuals and institutions improve their financial wellness through life health insurance, retirement services, annuities and investment products
Spanish office General & Life InsurersAllianz Global Health
Part of the global Allianz Group, providing a wide range of car, home, business, and travel insurance products.
Spanish office Health Insurance ProvidersCASER
A major Spanish insurer with a broad portfolio of products.
Spanish office General & Life InsurersCatalana Occidente
A leading Spanish insurance group with a diverse range of coverage.
Spanish office General & Life InsurersMetLife
Offers a range of insurance and retirement solutions, including group benefits and dental/disability plans.
Spanish office General & Life InsurersAlways On
Typically refers to providers of device protection or warranty insurance.
Spanish office Specialty Insurers & Global ReinsurersFidelidade
A leading Portuguese insurer with a full range of life and non-life products.
Spanish office General & Life InsurersBBVA
Provides a full range of personal insurance through its banking network.
Spanish office Other Financial Institutions (Banks)BHSI
(Berkshire Hathaway Specialty Insurance): Provides commercial property, casualty, healthcare professional liability, and other specialty insurance.
Spanish office Specialty Insurers & Global ReinsurersCredit Mutuel
Offers comprehensive personal insurance solutions through its cooperative banking network.
Spanish office General & Life InsurersAetna (a CVS Health company)
Offers a broad range of health insurance products, including medical, pharmacy, dental, behavioral health, and Medicare plans.
Spanish office Health Insurance ProvidersSantander Seguros
A trusted banking partner for your auto, home, and life insurance.
Spanish office Other Financial Institutions (Banks)AIG
A recognized insurer for property, civil liability, financial lines, and global specialty coverage.
Spanish office Specialty Insurers & Global ReinsurersMunich Re
A global reinsurer that provides reinsurance capacity and risks solutions.
Spanish office Specialty Insurers & Global ReinsurersChubb
Offers a broad range of property, casualty, accident, health, and life insurance products.
Spanish office General & Life InsurersPru part of M&G plc.
Pru part of M&G plc: Focuses on long-term savings, investment management, and retirement solutions.
Spanish office Specialty Insurers & Global ReinsurersLiberty Seguros
A subsidiary of Liberty Mutual, offers auto, home, renters, and life insurance.
Spanish office General & Life InsurersAXA
A global insurer providing a wide array of solutions including auto, home, life, and health insurance.
Spanish office General & Life InsurersBupa
Provides premium international health insurance with a strong global network.
Spanish office Health Insurance ProvidersLiberty Specialty Markets
Focuses on specialty insurance, including energy, marine, aviation, and financial lines.
Spanish office Specialty Insurers & Global ReinsurersTOKIO MARINE HCC
Offers a wide range of specialty insurance products, including professional liability and cyber.
Spanish office Specialty Insurers & Global ReinsurersArag
Offers legal insurance covering attorney fees for various legal matters.
Spanish office Specialty Insurers & Global ReinsurersMapfre
Covers life, auto, home, travel, and business insurance with global expertise and local support services.
Spanish officeMapfre Re
Provides reinsurance to other insurers.
Spanish office Specialty Insurers & Global ReinsurersMAPFRE Global Risks
The MAPFRE unit specializing in insurance solutions for large multinational companies.
Spanish office Specialty Insurers & Global ReinsurersMarkel Corporation
Offers a wide range of specialty insurance products, including professional liability and cyber.
Spanish office Specialty Insurers & Global ReinsurersGenerali Österreich
Specializes in corporate insurance, employee benefits, life, health, and property risk management services.
Spanish office General & Life InsurersQBE
Offers commercial, specialty, reinsurance, crop, and liability insurance.
Spanish office Specialty Insurers & Global ReinsurersAON
A global professional services firm providing a broad range of risk, retirement, and health solutions
Spanish office Insurance Brokers & Risk AdvisorsSwiss Re
Offers reinsurance, risk transfer, and insurance solutions for life, health, and property sectors worldwide
Spanish office Specialty Insurers & Global ReinsurersAXA XL
AXA's division for complex property, casualty, and specialty risks for large corporations and businesses.
Spanish office Specialty Insurers & Global ReinsurersHannover Re
Provides reinsurance services for life, health, and property lines to local and international insurance companies.
Spanish office Specialty Insurers & Global ReinsurersCREDIT AGRICOLE GROUP
A leading European bancassurer providing life, health, and general insurance.
Spanish office Other Financial Institutions (Banks)Solunion
Offers credit insurance and surety bond solutions.
Spanish office Specialty Insurers & Global ReinsurersHDI
A German-backed insurer with a strong international presence.
Spanish office Specialty Insurers & Global ReinsurersERGO
A large European insurance group offering comprehensive products in the general and life insurance markets.
Spanish office General & Life InsurersGen RE
A global reinsurer that provides capacity to other insurance companies.
Spanish office Specialty Insurers & Global ReinsurersLLOYD’S
Operates as a specialist insurance market.
Spanish office Specialty Insurers & Global ReinsurersCigna
Provides a range of health insurance products, including medical, dental, vision, pharmacy, and Medicare/Medicaid plans.
Spanish office Health Insurance ProvidersEverest
Offers a wide range of specialty insurance, reinsurance, and property casualty products.
Spanish office Specialty Insurers & Global ReinsurersZurich
Delivers global insurance services including commercial, life, auto, and liability coverage for diverse clients.
Spanish office General & Life InsurersManulife
Offers life insurance, annuities, and retirement solutions.
Spanish office General & Life InsurersPrudential Life
A provider focused specifically on life insurance policies.
Spanish office General & Life InsurersBeazley
Specializes in specialty insurance, including professional liability and cyber.
Spanish office Specialty Insurers & Global ReinsurersHSBC
Offers life and investment insurance tied closely with banking services.
Spanish office Other Financial Institutions (Banks)HSBC Expat
Offers a range of international insurance products for expatriates.
Spanish office Specialty Insurers & Global ReinsurersMonument Re: Solid and reliable reinsurance solutions
Provides solid and reliable reinsurance solutions.
Spanish office Specialty Insurers & Global ReinsurersLegal & General
Offers a variety of investment and insurance solutions.
Spanish office General & Life InsurersHowden
An international insurance broker with a focus on corporate risk.
Spanish office Insurance Brokers & Risk AdvisorsAtradius
Specializes in trade credit insurance.
Spanish office Specialty Insurers & Global ReinsurersHelvetia: The Austrian branch of the Swiss insurance group.
A Swiss insurance group with a variety of insurance and pension solutions.
Spanish office General & Life InsurersCoface
Provides credit insurance, risk assessment, and debt collection services to support international trade and exports.
Spanish office Specialty Insurers & Global ReinsurersThe Leading Insurance Companies in Spain
While there are many options, a few companies stand out due to their market share and premium volume in Spain.
- Mapfre: The leading Spanish-native insurer, with a dominant presence in car, home, and multi-risk insurance.
- Allianz Seguros: One of the strongest multinational players in Spain, offering a complete catalog of products for individuals and businesses.
- AXA: Originally from France, it is another industry giant in Spain, with a strong focus on innovation in health, life, and home insurance.
- Zurich Insurance Group: With a solid international reputation, it offers a wide range of insurance products for individuals and companies in the Spanish market.
- Catalana Occidente: A long-standing and solid Spanish insurance group that has grown to become one of the market leaders.
- Caser Seguros: Originally focused on insurance for savings banks, today it offers a full range of products, with a strong position in home and health.
Health Insurance in Spain: Public vs. Private
Understanding the healthcare system is fundamental for residents and expats.
- Public Health (Seguridad Social): Spain has an excellent universal healthcare system, the Sistema Nacional de Salud (SNS). It is accessible to all residents who contribute to social security.
- Private Health Insurance: Many people choose private insurance to complement the public system. Its main advantages are faster access to specialists and diagnostic tests, the comfort of private rooms, and a choice of doctors and hospitals. It is especially popular among expats.
Frequently Asked Questions (FAQ)
Who is the largest insurance company in Spain? By premium volume, VidaCaixa (part of CaixaBank group) leads in the life insurance sector, while Mapfre is generally the leader in non-life insurance (car, home).
How can I verify if an insurance company is reliable in Spain? The most secure way is to check that it is registered and authorized by the official regulatory body, the Dirección General de Seguros y Fondos de Pensiones (DGSFP), via its public website.
Do I need private health insurance as an expat in Spain? For many residence visas (like the non-lucrative visa), having a fully comprehensive private health insurance policy with no co-payments is a mandatory requirement. For others, it is a highly recommended option to avoid public waiting lists.
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