Insurance for Expats in Spain

Get a Free Quote →About Turner Insurance

Offering Professional Services Since 2013

30+ Products · One English-Speaking Team · One Call

Comprehensive Cover at Competitive Prices

We Make Sure You Are Covered — Authorised Generali Agents

Generali Authorised Exclusive AgentOver 25 Years’ ExperienceEstablished in Jávea 2013DGS Reg. C0467B54657010English-Speaking Specialists

Free Advice

Get a Free Quote

Speak to our team. Andrew has over 20 years of insurance experience in Spain. We answer your questions in plain English and find the right plan for your situation.

Get a Free Insurance Quote →

Authorised Generali Agents offering cover for expats throughout Spain

Turner Insurance Specialists is an authorised exclusive Generali agency based in Jávea, Alicante. We provide insurance for British, Irish and international expats across the Costa Blanca, throughout mainland Spain, and in the Balearic and Canary Islands. Andrew Turner founded the company in 2013. He has worked in insurance since 2001 and as an exclusive agent since 2007. Turner Insurance offers the full range of Generali products in English, from one office, with a five-person English-speaking team.

We cover everything. If we cannot insure it, chances are it is not insurable. From health and life to cars, homes, boats, hotels, businesses and pets — we arrange comprehensive insurance at competitive prices and make sure you are properly covered. Free no-obligation quotes by phone, WhatsApp or email. All advice delivered in plain English by fully licensed insurance professionals.

Why Expats in Spain Choose Turner Insurance

Moving to Spain means navigating a different insurance system. The terminology is different. Policy structures are different. Legal requirements differ from the UK or Ireland. Policies arrive in Spanish. Claims require Spanish-language correspondence. Turner Insurance exists to solve this problem. We provide the same Generali insurance products that any Spanish agent would offer, but with full English-language explanation, ongoing support and claims handling included as standard.

As authorised exclusive Generali agents, we give you access to the full Generali product range through a single, English-speaking point of contact. One relationship covers your health, home, car, life, business and more — with consistent service, renewal reminders, and claims support all handled by our team in Jávea.

31 Different Policies. Personal, Business and Specialist Cover

Our most popular products for expats in Spain include:

Private health insurance — Generali EXPAT Medcare and Salud Opción Premium
Life insurance and mortgage protection
Car insurance — UK no-claims bonus accepted
Home insurance for main homes, holiday homes and rental properties
Funeral insurance with no age limit, travel insurance, pet insurance (mandatory dog liability under Ley 7/2023) and community insurance.

We also arrange specialist business cover including commercial and office insurance, hotel insurance, professional indemnity, fleet, marine, transport and cyber risk insurance.

Turner Insurance Specialists S.L. is registered with the Dirección General de Seguros y Fondos de Pensiones (DGS) under registry number C0467B54657010. Andrew Turner is Mediador Colegiado (registered insurance intermediary) del Colegio de Mediadores de Seguros de Alicante. Serving clients from Denia, Jávea, Moraira, Calpe, Altea, Benidorm and Alicante since 2013. Call 966 461 625 for a free English-speaking quote.

Common Questions

Insurance in Spain — FAQs for Expats

Yes. To obtain a Spanish residency permit — including the Non-Lucrative Visa and Digital Nomad Visa — you must hold private health insurance with no co-payments and no waiting periods, issued by a DGS-registered insurer. Turner Insurance provides the certificate typically in a few days.

Yes. Third-party liability cover (terceros) is the legal minimum for all vehicles registered or driven in Spain, under Royal Decree 1507/2008. Driving without it carries fines from €601 and immediate vehicle immobilisation. Turner Insurance arranges English-language policies with UK no-claims bonus accepted.

Yes. Under Ley 7/2023, all dog owners in Spain must hold third-party liability cover. Generali ON Mascotas meets this requirement and also covers vet fees and lost-pet assistance. Turner Insurance arranges compliant policies for expat dog owners across Spain.

You need private health insurance with no co-payments, full Spain-wide cover, and no waiting periods — issued by a DGS-registered Spanish insurer. Generali Salud Opción Premium meets all requirements. Turner Insurance provides the official certificate required by Spanish consulates.

A Generali health policy in Spain ranges from approximately €40 per month for a healthy adult under 40, to €150 per month for a 65-year-old with no co-payments. The exact premium depends on age, plan tier, cover level and province. Call us on 966 461 625 for a free, personalised quote.

No. Spanish insurers, including Generali, cannot provide standard annual insurance for UK-registered vehicles in Spain. Vehicles you intend to keep in Spain long-term must be re-registered on Spanish plates — a process called matriculación. Once on Spanish plates, we can arrange a normal Generali policy and your UK no-claims bonus is accepted. Temporary import cover during the re-registration process is available — contact us for details.

Insurance Articles