Which insurance is compulsory for expats living in Spain?

By law you need third-party liability insurance for any car, motorbike, camper, motorhome or e-scooter you use in Spain, for most motor-powered boats and jet skis, and for your dog. Private health insurance is required for most residency visas, and your bank will require buildings insurance if you have a mortgage. Life and funeral insurance are optional.

Can I keep my UK or foreign car insurance once I live in Spain?

Foreign motor policies are designed for temporary stays. Once you are resident and your car is registered in Spain, it needs a policy from an insurer authorised to operate here. We arrange that Spanish cover for you and explain every clause in English.

Will Allianz take my driving history into account?

If you have driven in Spain, your claims history is recorded in the SINCO database and Allianz recognises it, so you keep your no-claims discounts. If your history comes from another country, bring a no-claims letter from your previous insurer and we will check how it can be taken into account.

Is e-scooter insurance compulsory in Spain?

Yes. Since 2 January 2026, Law 5/2025 requires third-party liability insurance for e-scooters and other personal mobility vehicles (VMP). Pedal-assisted e-bikes that meet EU rules are exempt. Riding uninsured can lead to fines and to the scooter being immobilised.

Does my dog need insurance in Spain?

Yes. Spain’s Animal Welfare Law (Ley 7/2023) requires dog owners to have third-party liability insurance, whatever the breed or size. Our Allianz dog policy includes liability cover of up to €300,000 and 24/7 vet video calls, and we can issue the certificate that potentially dangerous breeds (PPP) need for their licence.

My family is visiting from outside the EU. Can you arrange their Schengen travel insurance?

Yes. Allianz’s inbound Schengen travel insurance meets visa requirements, including at least €30,000 of medical cover and repatriation, and we send you the certificate your relatives need for their embassy appointment.

I keep a boat or jet ski in the Region of Murcia. What insurance do I need?

Under Royal Decree 607/1999, motor-powered recreational boats and jet skis, and sailing boats over 6 metres, must carry third-party liability insurance. On top of that, we can add own-damage, towing and wreck-removal cover for sailing boats and motorboats moored in marinas across the Region of Murcia.

Do I get a discount if I insure several things with you?

Usually, yes. Allianz rewards clients who group several policies — for example home, car and health — under the same policyholder, with cross-discounts on each product. We review your current policies free of charge and tell you what you could save.

Do I need to come to the office to sign, and can you cancel my old policy?

You can sign online with a secure SMS or biometric signature and receive your documents by email within minutes. We also prepare the cancellation letter for your current insurer; in Spain it must be sent at least one month before the renewal date, so tell us your renewal dates early.