Insurance in Alicante

Alicante — the Provincial Capital, and Our Own Province

Alicante is the capital of the province this agency is registered in, and by some distance the most complete city on the Costa Blanca: a working port and cruise terminal, the Explanada de España, the Castillo de Santa Bárbara on Benacantil, the Barrio de Santa Cruz, the Postiguet beach in the middle of town and the long high-rise seafront at Playa de San Juan and Albufereta. Around 372,000 people live here, and roughly a quarter of them — 24.3% at 1 January 2025 — hold a foreign nationality, a mix that has shifted well beyond the traditional northern-European retirement profile towards younger working residents, students and remote workers.

Turner Insurance is an authorised exclusive Generali agent registered in Alicante province, with Andrew Turner a mediador colegiado of the Colegio de Mediadores de Seguros de Alicante and over 25 years of insurance experience. The office is in Javea, about an hour up the coast, but almost all business — quotes, documents, renewals and claims — is handled by phone, email and WhatsApp, entirely in English. There is no need to travel to arrange cover in Alicante city.

Insurance We Arrange in Alicante

Every Generali product we place anywhere in Spain is available to Alicante city residents. These are the main ones — each page explains the cover, the Spanish terminology and roughly what it costs.

Also arranged in Alicante

Local Insurance Considerations in Alicante

City cover is a different problem from coastal-villa cover. These are the points that come up most often with Alicante clients:

• Flats, not houses: most Alicante policies are contents-and-liability rather than full buildings cover, because the structure sits on the comunidad de propietarios policy. The two most common errors are assuming the community policy covers the inside of your flat (it does not) and forgetting to insure fitted improvements you paid for yourself.
• Water damage between neighbours: in dense blocks the classic claim is a leak that damages the flat below. That is a civil liability question as much as a buildings one, and the limit on your policy is what decides how comfortable the conversation with your neighbour is.
• Storm and flash flood: Alicante's barrancos — Las Ovejas and Juan XXIII among them — carry very little water for most of the year and a great deal of it during a DANA. Flood and storm damage above the legal threshold are Consorcio de Compensación de Seguros events, payable only where a valid policy is in force and only up to the sums insured declared in it.
• Seismic exposure to the south: the Bajo Segura fault zone behind the historic 1829 Torrevieja earthquake lies south of the city. The exposure at Alicante is modest, but earthquake is also a Consorcio risk — again, only with a policy in force.
• Second homes at San Juan and Albufereta: much of the seafront apartment stock is used seasonally. Standard policies expect occupation every 30–60 days, so declared holiday home terms, or tourist rental cover if you let it out, is the correct structure rather than a standard hogar policy.
• Health network: the public referral hospital is the Hospital General Universitario Dr. Balmis (around 800 beds), with Hospital Universitario de Sant Joan d'Alacant serving the north of the city. Privately, Alicante has one of the deepest networks in the region, which makes a cuadro médico plan good value here.
• Cars in a city: theft, vandalism and parking damage are all more likely than on the coast, so the gap between bare terceros and terceros ampliado is worth more in Alicante than almost anywhere else we cover.

Alicante-Elche Miguel Hernández airport is around ten minutes from the city, which is why annual multi-trip travel insurance is so popular with residents here; the TRAM runs north along the coast to El Campello, Benidorm and Dénia.

Useful Local Links for Alicante Residents

• Ayuntamiento de AlicanteOfficial city hall and municipal servicesalicante.es
• Alicante TurismoOfficial city tourism portalalicanteturismo.com
• Colegio de Mediadores de Seguros de AlicanteThe provincial college of insurance intermediaries — Andrew Turner is a membermediaseguros.es
• Consorcio de Compensación de SegurosThe state fund that pays flood, storm and earthquake claimsconsorseguros.es