English-speaking Allianz agent in Murcia
Insurance for expats, explained in plain English

Can I deal with you entirely in English?

Yes. From the first quote to renewals and claims, you can speak and write to us in English. Antonio Martínez Serrano, our agency director, personally looks after our international clients. Official Allianz policy documents are issued in Spanish, but we explain every clause to you in English.

Is your health insurance valid for a Spanish non-lucrative or digital nomad visa?

We arrange Allianz private health insurance designed to meet consulate requirements: full cover comparable to the Spanish public health system, no co-payments and no waiting periods, with an insurer authorised in Spain. Requirements vary slightly between consulates, so tell us where you are applying and we will check before you pay.

I’m a UK pensioner with an S1 form. Do I still need private health insurance?

Not to access healthcare: a registered S1 gives you the right to use the Spanish public health system. Many S1 holders still add private cover to avoid waiting lists, get faster access to specialists and diagnostic tests, and find English-speaking doctors more easily.

Do I need an NIE to take out insurance in Spain?

For most policies the policyholder needs an NIE or other valid identification, and a Spanish bank account is usually needed for direct debits. If you are still in the middle of your visa application, contact us and we will tell you exactly what we need in your case.

Does Spanish home insurance cover floods and DANA storms?

Flood damage caused by extraordinary events such as a DANA is compensated by the Consorcio de Compensación de Seguros, the state-backed fund, as long as you have a home policy in force. Everyday water damage, such as burst pipes or leaks, is covered by your Allianz home policy. Keeping your sum insured up to date avoids underinsurance.

I have a holiday home in Murcia that I rent out. What insurance do I need?

A standard home policy may not cover a property let to tourists. For holiday rentals you need specific cover that includes liability towards your guests and damage they may cause. We set up the right policy for second homes, long-term lets and tourist rentals.

What happens if I need to make a claim?

You call or message us, not a call centre. We open the claim with Allianz, coordinate repairers and loss adjusters in Spanish on your behalf, and keep you updated in English until it is resolved.

Do you only work with clients in Murcia city?

No. Our office is in Murcia city centre, but we look after English-speaking clients across the Region of Murcia — the Mar Menor, Cartagena, Mazarrón, Camposol, Águilas and the inland golf resorts — and throughout Spain by phone, WhatsApp, email and video call.

Does it cost more to go through an agent instead of buying online?

No. Our advice is included in the official Allianz premium, so you pay nothing extra for having a dedicated agent. In many cases we find better terms than an online quote, because we review your cover and apply the discounts that fit your situation.