Offering Professional Services Since 2013

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

Comprehensive Cover at Competitive Prices

We Make Sure You Are Properly Covered

Rated 4.9 / 554 Google reviews →

Cover for Almost EverythingOver 25 Years’ ExperienceEstablished in Javea 2013DGS Reg. C0467B54657010English-Speaking Specialists

Free Advice

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Speak to our team. Andrew has over 25 years of insurance experience in Spain. We answer your questions in plain English and find the right plan for your situation.

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Most popular cover

Car Insurance in Spain

Terceros through to fully comprehensive todo riesgo, arranged and claimed in English.

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Home Insurance in Spain

Buildings, contents and civil liability for your main home, including squatter cover.

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Health Insurance in Spain

Private medical plans with no co-payments and no waiting periods, accepted for residency visas.

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Life Insurance in Spain

Term life, mortgage protection and critical illness cover, compared in plain English.

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Travel Insurance in Spain

Single-trip and annual multi-trip cover, with medical evacuation and cancellation included.

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Holiday Home Insurance

Cover for a villa or apartment that stands empty for months at a time between visits.

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Quality Insurance Cover for Expats Throughout Spain

Turner Insurance Specialists is an established, fully licensed insurance agency based in Javea, 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, backed by over 25 years of insurance experience in Spain. Turner Insurance offers a comprehensive range of quality insurance products in English, from one office, with one of the most experienced English-speaking teams on the coast. Close to home, the cover we are asked for most is home insurance in Javea — buildings, contents and holiday-let policies written for Montgó hillside villas, Arenal apartments and Pueblo townhouses.

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 quality insurance products a Spanish agent would offer, but with full English-language explanation, ongoing support and claims handling included as standard.

We give you access to a comprehensive range of insurance 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 Javea. Drivers bringing a vehicle over, or buying one here, will find the cover levels, pricing and no-claims transfer set out in full on our car insurance in Spain page.

31 Different Policies. Personal, Business and Specialist Cover

Our most popular products for expats in Spain include:

We also arrange specialist business cover including commercial and office insurance, hotel insurance, professional indemnity, fleet insurance, marine insurance, transport insurance 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, Javea, 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, EU, Canadian and US no-claims bonus accepted.
Yes. Under Ley 7/2023, all dog owners in Spain must hold third-party liability cover. We arrange compliant pet policies that meet this requirement and also cover 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. We arrange compliant health policies that meet all the requirements. Turner Insurance provides the official certificate required by Spanish consulates.
A private 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 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 Spanish policy and your UK no-claims bonus is accepted. Temporary import cover during the re-registration process is available — contact us for details.
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Get in touch

Ready to Talk?

Get a free, no-obligation quote from our English-speaking team in Javea. We compare the market and give you honest advice — at no charge.

Get a Free Quote → 📞 966 461 625 💬 WhatsApp

Monday–Friday 09:30–15:00 (09:30–14:00 in July and August) · info@turnerinsurance.es · Avenida del Pla 135, Buzon 37, Javea 03730, Alicante

Proudly supporting our community

Turner Insurance Specialists has been part of the Javea community for over a decade. We are long-time supporters of two important local causes:

👶

Friends of the Children of EMAÚS

Sponsor of the annual Javea Christmas Fayres since 2018, which raised over €6,600 in 2024 for this registered Spanish charity (G-54138805) supporting children in residential care across the Costa Blanca.

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🎯

Javea Green Bowls Club · 2017–2024

Annual championship sponsor every year from 2017 until the club's closure in 2024. Andrew Turner attended each year's prize-giving in person at the Inn on the Green.

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