Insurance in Lanzarote

Insurance for Expats in Lanzarote — Generali, in English

Lanzarote is the easternmost of the Canary Islands and one of the most popular destinations for British expat property owners in Spain. The island's year-round warm climate, dramatic volcanic landscape, and UNESCO Biosphere Reserve status attract both retirees and working expats. Main expat communities are concentrated in Puerto del Carmen, Playa Blanca, and Costa Teguise.

Insurance in Lanzarote differs from mainland Spain in several key respects: the Canary Islands use IGIC tax rather than mainland IVA, construction types differ (flat roofs, lava-stone walls), and Consorcio cover includes protection against volcanic eruptions and earthquakes — risks unique to the island's geological context. Turner Insurance arranges Generali cover tailored to these Canary Islands specifics.

Turner Insurance is based in Jávea on the mainland. We arrange insurance for clients in Lanzarote entirely remotely — by phone, email, or WhatsApp — with all policies in English. We are exclusive Generali agents with DGS registry C0467B54657010 since 2007.

Insurance We Arrange in Lanzarote

From home and vehicle cover to health, life, and funeral insurance — here are the policies we most often arrange for clients in Lanzarote. Click any card for full details.

About Lanzarote

Lanzarote covers 845 km² and has a population of approximately 155,000, with significant seasonal additions from tourism. The island's landscape was shaped by volcanic eruptions in 1730–1736 that covered a quarter of its surface with lava and cinder. César Manrique's iconic architectural style has shaped the island's appearance and strict planning laws preserve its distinctive character.

The island economy is driven by tourism, with over 3 million visitors annually. The main airport (ACE) near Arrecife has direct flights to dozens of UK airports year-round. IGIC (Impuesto General Indirecto Canario) at a lower rate than mainland IVA applies to purchases and services, including insurance premiums.

• Cabildo de LanzaroteOfficial island government website with administrative information for residentscabildolanzarote.com
• Aeropuerto de Lanzarote (ACE)Lanzarote Airport — flight information and connections to the UKaena.es
• Reserva de la Biosfera LanzaroteUNESCO Biosphere Reserve information and planning guidancereservalanzarote.com

Local Insurance Considerations in Lanzarote

Lanzarote has specific insurance considerations for expat residents:

• IGIC not IVA: insurance premiums in the Canary Islands are subject to IGIC (Impuesto General Indirecto Canario) rather than mainland IVA. This affects the premium calculation and is shown on all policy invoices. Turner Insurance applies the correct Canary Islands tax rate automatically.
• Volcanic construction: Lanzarote properties often feature flat roofs, lava-stone (picón) walls, and water cisterns (aljibes). Rebuild values must reflect these specialist construction methods, which are more expensive per square metre than standard mainland properties.
• Consorcio covers volcanic risk: the Consorcio de Compensación de Seguros applies throughout Spain including Lanzarote, and specifically covers volcanic eruptions and earthquakes — risks unique to the Canary Islands. A valid policy must be in force for Consorcio cover to activate.
• Inter-island medical transfers: complex medical procedures not available on Lanzarote require transfer to Gran Canaria. Health insurance plans should include inter-island transfer cover. Turner Insurance confirms this when arranging your health plan.