COSEBA Expatriates
Insurance for those who wish to live in Spain... wherever they may be.
We are the answer to your insurance in Spain.
ENSURE YOUR PEACE OF MIND
Welcome to COSEBA Expatriates, the ideal place for foreign residents in Spain!
Find insurance in your language and with personalised service, clear documentation and multilingual assistance.
GET A QUOTE FOR YOUR INSURANCE
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Please provide us with your details and our team will contact you shortly to give you more information about our Expatriate Car Insurance in Spain.
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Please provide us with your details and our team will contact you shortly to give you more information about our Expatriate Health Insurance in Spain.
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Please provide us with your details and our team will contact you shortly to give you more information about our Expatriate Home Insurance in Spain.
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Please provide us with your details and our team will contact you shortly to give you more information about our Expatriate Pet Insurance in Spain.
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Please provide us with your details and our team will contact you shortly to give you more information about our Expatriate Life Insurance in Spain.
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Please provide us with your details and our team will contact you shortly to give you more information about our Expatriate Commerce Insurance in Spain.
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Please provide us with your details and our team will contact you shortly to give you more information about our Expatriate Death in Spain.
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Please provide us with your details and our team will contact you shortly to give you more information about our Expatriate Community in Spain.
FAQs
Do you have questions? We have answers.
It's a type of insurance designed for individuals living outside their country of origin, offering coverage adapted to their specific needs (Motor, Home, Commercial, Life, Funeral, Civil Liability, Health, Repatriation, etc.).
Health
In Spain, having health insurance is mandatory. Furthermore, the local public health system may not cover you if you are not a resident.
Motor
Compulsory Third-Party Liability insurance is required in Spain, covering up to 70 million for personal injury and 15 million for material damages. Current legislation provides for an additional voluntary liability capital that extends the compulsory insurance limits by 50 million. Many expats opt for extended third-party coverage (compulsory civil liability, voluntary civil liability, fire, theft, glass, and roadside assistance), or comprehensive coverage (covering own vehicle damages).
Home
It is not mandatory, except for mortgages or rental clauses.
Common policies: Water damage, damage to the building and contents, civil liability, and handyman services.
Life and Repatriation
These ensure capital upon death, often linked to mortgages.
Companies with a strong presence: Reale, Generali, Allianz, Zurich, Admiral, Fidelidade… offer specific repatriation plans.
Civil Liability
Essential for homes, vehicles, businesses, companies, and pets.
Travel
Ideal if you travel frequently to your country of origin.
Pets
Common insurance among expats with pets: veterinary, civil liability, theft (mandatory for certain types of breeds and weight).
Motor and Entrepreneurship
Freelancers or SMEs opt for business or self-employed insurance.
Includes professional liability, equipment, and commercial premises.
Nautical and Special Vehicles
Boats, jet skis, caravans, microcars... among others.
Yes, many insurance providers allow you to purchase a policy while already overseas. However, some, particularly for health insurance, may require you to buy it before leaving your home country.
You need it to cover the risks you face in a country different from your country of residence. This gives you the peace of mind that your assets are protected in case of a claim, and through my brokerage, you can easily and calmly process them.
- No co-payments (100% coverage from day one).
- No waiting periods (no waiting times for services).
- Coverage throughout the entire national territory.
- Coverage equivalent to the Spanish public health system (primary care, specialists, hospitalization, emergencies, etc.).
- Validity for the entire stay (minimum 1 year).
- Travel insurance: Designed for short stays (generally less than 90 days), focusing on medical emergencies.
- Expat insurance: Intended for long-term residency, covering regular medical care, chronic illnesses, maternity, and more.
Assistance
Didn’t find your answer?
If you didn’t find the answer you were looking for and need to ask a question, our team of specialists will help you get more information.
Or, if you prefer, we'll call you when it suits you best.
COSEBA EXPATRIATES
WHAT DO WE OFFER IN OUR EXPATRIATE FOR PORTFOLIO?
We distribute car, home, health, community, life, death, pet, commercial and other insurance policies to foreign residents in Spain, offering assistance and pre-contractual and contractual multilingual documentation.
Motor Insurance
Home Insurance
Health Insurance
Pet Insurance
Funeral Insurance
Life Insurance
Community Insurance
Commercial Insurance
Other Insurances
TRUST OUR 40 YEARS OF EXPERIENCE
OUR SERVICES
At Coseba Expatriates we understand the importance of providing a comprehensive and quality service to your expatriate clients. By joining our team, you will be able to comprehensively meet their needs and exceed their expectations. Here are some of the advantages that will make your clients completely satisfied:
Multi-language insurance
Our multilingual approach is one of our greatest assets. We offer insurance in English, French, German or Dutch, allowing your clients to communicate in their native language and fully understand the terms and conditions of their policies. This will give them confidence and peace of mind, knowing that they are receiving a personalised service tailored to their linguistic needs.
Wide range of coverage
At Coseba Expatriates, we offer a wide range of insurance products that cover different aspects of your expatriate clients' lives. From home, car, commercial to community insurance, you will have at your disposal a complete portfolio of products to meet all your clients' protection needs.
Multilingual assistance and documentation
We understand that assistance and documentation are fundamental aspects of the client experience. At Coseba Expatriates, we ensure that we provide fast and efficient assistance in multiple languages, making it easy to resolve any problems or queries your expatriate clients may have. In addition, our pre-contractual and contractual documentation is available in different languages, ensuring that your clients fully understand the terms and conditions of their policies.
OUR EXPATRIATE INSURANCE PARTNERS
We work with the main insurance companies in Spain
The strength of our agreements guarantees the best service for each client, regardless of nationality or need.
OTHER INSURANCE PARTNERS
Start today with the backing of a great brand.
Whether you are looking for insurance in your language or are a professional with international clients, at COSEBA Expatriates you will find a tailored solution, with the trust and experience of a leading brokerage since 1986.