Insurance guides
Practical guides written by our brokers — currently available in Spanish.
Mandatory e-scooter insurance in 2026: dates, fines and prices
From January 2026, e-scooter insurance is mandatory in Spain. What Ley 5/2025 says, who it affects, fines for riding uninsured and how much it costs.
Read guide →How much does funeral insurance cost? Premium types and what suits your age
The price of funeral (decesos) insurance in Spain: what it covers, what drives the premium and the difference between level, natural and single premiums. Which one suits your age.
Read guide →Is life insurance mandatory with a mortgage? What the bank doesn't tell you
Mortgage life insurance is not required by law in Spain. What the bank can demand, how interest-rate discounts work and how much you save buying it elsewhere.
Read guide →How to pay less for car insurance: 10 tricks that actually work
Real ways to save on car insurance in Spain: matching cover to your car's age, deductibles, annual payment, declaring the driver correctly and comparing every year.
Read guide →Buildings and contents: the key to not overpaying for home insurance
What counts as buildings (continente) and contents (contenido) in Spanish home insurance, how to calculate the sums insured correctly and how to avoid underinsurance and the proportional rule.
Read guide →Collective agreement insurance: the obligation many companies discover too late
What collective agreement (convenio) insurance is in Spain, which companies must have it, what happens if you don't and how to find out what sums your agreement requires.
Read guide →Third-party, extended third-party or fully comprehensive? Which suits your car
The differences between third-party, extended third-party and fully comprehensive car insurance, with and without a deductible. Which one suits your car's age and value.
Read guide →Car insurance for young drivers: why it costs so much and how to pay less
Why a novice driver's car insurance costs so much in Spain and which tricks actually work: building history as an occasional driver, choosing the right car and comparing.
Read guide →Car insurance by the day: how it works and when it pays off
What daily car or motorbike insurance is, how much it costs, when it beats an annual policy and what alternatives exist.
Read guide →What is the best e-scooter insurance? Prices and what to look for
We compare what a good e-scooter or personal mobility vehicle policy should include, how much it costs per year and the most common mistakes when buying one.
Read guide →49cc moped insurance: how much it costs and how to pay less
The price of insuring a 49cc moped in Spain, why it is more expensive than it looks and real ways to bring it down.
Read guide →Civil liability insurance for the self-employed: is it mandatory and how much does it cost?
Which self-employed workers in Spain must carry civil liability insurance, how much it costs by activity and exactly what it covers.
Read guide →Co-payments and waiting periods: what nobody explains when you buy health insurance
What co-payments and waiting periods are in Spanish health insurance, when it pays to spend more to avoid them and the fine-print traps.
Read guide →How much does private health insurance cost? Real prices by age
Indicative prices for private health insurance in Spain by age and family, what makes it more expensive and why it costs the self-employed less than they think.
Read guide →Can I get car insurance while on the ASNEF blacklist? Yes — here's how
Being on ASNEF does not stop you insuring a car in Spain. Where the real problem lies, which insurers object, how to pay for the policy and how we handle it.
Read guide →Policyholder, owner and driver: insuring a car in someone else's name or without a licence
Who is who on a Spanish car policy: policyholder, owner and driver. Insuring a car that isn't yours, occasional drivers and the risks of falsifying details.
Read guide →Travel medical insurance: what it covers and when it's mandatory
What travel medical insurance covers, when it is mandatory (Schengen visas and other countries), how it differs from the European Health Insurance Card and why repatriation matters.
Read guide →Health insurance and pregnancy: waiting periods, what's covered and when to sign up
How the childbirth waiting period (8-10 months) works, when to take out health insurance if you're planning a pregnancy and what is covered in prenatal care, delivery and for the newborn.
Read guide →Motorbike insurance for young riders: why it costs so much and how to pay less
Why motorbike insurance skyrockets for under-25s and recent licences, the advantage of 125cc bikes, and which covers and tricks genuinely lower the premium.
Read guide →How much does insurance for a homeowners' association cost?
Indicative prices for Spanish homeowners' association (comunidad) insurance: what drives the premium, what it must cover (liability, fire, water damage) and in which regions it is mandatory.
Read guide →Home insurance: what it really covers (and what it doesn't)
The home insurance covers you will actually use: water damage, theft, family civil liability — and the exclusions that cause the most grief.
Read guide →What is the best car insurance? How to choose well and not overpay
The best car insurance is not the same for everyone: it depends on the car, the driver and the use. Real criteria for choosing, common mistakes and how to compare across more than 20 insurers.
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