Insurance in Tenerife

Insurance for Expats in Tenerife — Generali, in English

Tenerife is Spain's most populous island and one of the most diverse expat destinations in the country. British and German residents are the two largest groups, concentrated in the southern resorts — Los Cristianos, Playa de las Américas, Costa Adeje — and the greener northern towns of Puerto de la Cruz, La Laguna and La Orotava. The island has two airports and Santa Cruz de Tenerife is the joint capital of the Canary Islands.

Turner Insurance is an exclusive Generali agency based in Jávea, Alicante. Generali is a national insurer and coverage is available across all Spanish territories including the Canary Islands. We arrange every line of cover an expat household needs — entirely in English, by phone, email and WhatsApp — from the first conversation to the policy documents. Andrew Turner has worked in Spanish insurance since 2001 and has been an authorised Generali agent since 2007, DGS registry C0467B54657010.

Because Tenerife has distinctive local risks — volcanic geology, steep barrancos that channel flash floods, wildfire-prone forested slopes and a huge stock of holiday and rental properties — getting the policy terms right matters. We always confirm the correct occupancy basis and calculate your rebuild value under the regla proporcional at quotation, at no charge.

Insurance We Arrange in Tenerife

From your home and car to your health, your family's future and your holiday let — here are the policies we most often arrange for clients in Tenerife. Click any card for full details.

About Tenerife

Tenerife has two distinct characters: the sunny south resort strip — Los Cristianos, Playa de las Américas and Costa Adeje — with its high concentration of northern European holiday and retirement properties; and the lush, cooler north — Puerto de la Cruz, the UNESCO World Heritage city of La Laguna and the historic valley town of La Orotava. At the island's heart stands Teide National Park (also UNESCO World Heritage), dominated by the 3,715-metre volcano that is the highest peak in Spain and a defining feature of the island's geology and culture.

The year-round subtropical climate, direct flights from across northern Europe, established British and German communities, good private hospitals, international schools and a wide range of property — from seafront apartments in the south to country houses in the Orotava Valley — make Tenerife one of the most complete expat destinations in Spain.

Useful official local resources for Tenerife residents:

• Cabildo de TenerifeIsland government — official services and informationtenerife.es
• Tenerife TourismOfficial tourism portal for the islandwebtenerife.com
• Turismo de CanariasOfficial regional tourism and information portalturismodecanarias.com

Local Insurance Considerations in Tenerife

Insuring property in Tenerife comes with a few local factors that are worth getting right:

• Volcanic and geological background risk: Mount Teide (3,715m) is an active volcano. Extraordinary natural catastrophes — including volcanic events — are covered in Spain by the Consorcio de Compensación de Seguros, the state catastrophe fund automatically included on every valid home policy.
• Flash flooding via barrancos: the island's steep ravines channel heavy autumn and winter rain very quickly. Catastrophic DANA flooding is a Consorcio event; your private policy covers the resulting water damage, contents loss and repair costs.
• Wildfire on forested slopes: the Anaga and Teno rural parks, and forested hillsides across the north and centre, carry genuine wildfire risk — a key consideration for properties in or near these areas.
• Community insurance for resort complexes: the large resort complexes of the south require mandatory community insurance (seguro de comunidad). We arrange this for owners and communities of proprietors.
• Holiday and rental property stock: Tenerife has a very large number of properties used as holiday lets or short-term rentals. The correct occupancy basis and activity declaration are critical — an incorrectly declared holiday let can see claims refused or heavily reduced.