International resident in Murcia using our English-speaking Allianz agency
International resident in Murcia using our English-speaking Allianz agency
International resident in Murcia using our English-speaking Allianz agency

English-speaking Allianz agent in Murcia

Insurance for expats in plain English: health cover for your visa or residency, home, car, life and inheritance planning, from an exclusive Allianz agency that has looked after families in Murcia since 1993.

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1,300+

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30+

Years of experience

#1

Global insurer

Insurance for expats

Your life in Spain, properly protected.

Your life in Spain, properly protected.

Whether you live here all year, split your time between Spain and home, or are just starting your residency application, we build your cover around you — with the financial strength of the Allianz Group behind every policy.

Whether you live here all year, split your time between Spain and home, or are just starting your residency application, we build your cover around you — with the financial strength of the Allianz Group behind every policy.

Insurance in Spain, explained

Four things every expat should know before signing

Glossary

Spanish insurance terms, translated

Carencia — waiting period

The period after you take out a policy before certain treatments or benefits are covered. Health policies for visa applications normally need to have no waiting periods.

Copago — co-payment

A small fee you pay each time you use a medical service. Consulates usually require health insurance without co-payments for residency visas.

Franquicia — excess

The part of each claim you pay yourself. Choosing a higher excess lowers your premium, especially in car and home insurance.

Continente / Contenido — buildings / contents

Continente covers the structure of the property — walls, roof and fixed installations. Contenido covers your furniture, belongings and appliances.

Tomador, asegurado y beneficiario — who’s who

The policyholder signs and pays, the insured person is the one covered, and the beneficiary receives the payout. They can be three different people.

Decesos — funeral insurance

A very common Spanish policy that pays for and organises the funeral and all the paperwork, so your family doesn’t have to — with repatriation options for foreign residents.

Consorcio de Compensación de Seguros — catastrophe cover

The state-backed body that pays for damage caused by extraordinary events, such as floods, earthquakes or exceptional storms, through your existing home or car policy.

Infraseguro — underinsurance

When the sum insured is lower than the real value of what you insure. After a claim, the payout is reduced proportionally — so review your values regularly.

FAQs

Questions expats ask us

Antonio Martínez Serrano, director of our exclusive Allianz agency in Murcia and adviser for English-speaking clients
Antonio Martínez Serrano, director of our exclusive Allianz agency in Murcia and adviser for English-speaking clients

Ready to feel at home in Spain, properly covered from day one?

Ready to feel at home in Spain, properly covered from day one?

Tell us what you need in English. Antonio Martínez Serrano, our agency director and adviser for international clients, will design a plan around you — no obligation, and with the backing of the Allianz Group.

Tell us what you need in English. Antonio Martínez Serrano, our agency director and adviser for international clients, will design a plan around you — no obligation, and with the backing of the Allianz Group.

Visit us: Av. General Primo de Rivera, 6, Entresuelo B
30008 Murcia · Mon–Thu 9:00–14:00 & 16:30–19:00 · Fri 8:00–15:00

Visit us: Av. General Primo de Rivera, 6, Entresuelo B
30008 Murcia · Mon–Thu 9:00–14:00 & 16:30–19:00 · Fri 8:00–15:00