Expat Insurance Broker in Spain
Independent Insurance Advice for Expats in Spain
- Independent insurance broker regulated in Spain (DGSFP)
- Regulated brokerage · Independent guidance · Real advisors
Regulated oversight
Expat Insurance Broker Regulated in Spain
UEI is an independent insurance broker registered with the Spanish regulator (DGSFP).
We assess your situation, identify authorised insurers and structure coverage aligned with Spanish legal and regulatory requirements.
As part of our regulated brokerage structure in Spain, UEI also collaborates with selected professionals through a structured insurance collaboration model in Spain, aligned with applicable regulatory standards.
Policies are issued by insurers authorised to operate in Spain.
- Registered Insurance Broker — DGSFP No. F3480
- Supervised by the Dirección General de Seguros y Fondos de Pensiones
- Based in Valencia, Spain
- Working exclusively with authorised insurers
Insurance broker services in Spain are typically included within the policy, allowing clients to receive independent advice without additional fees.
To understand how different policies fit within the broader insurance landscape, see our:
Expert guidance
Insurance Advice for Expats in Spain
Insurance for expats in Spain depends on residency status, visa requirements, property ownership and long-term plans.
Health insurance must meet visa conditions. Property ownership creates liability exposure. Driving in Spain requires motor insurance. Long-term planning defines how policies are structured.
Insurance must be aligned from the outset to avoid gaps, duplication or compliance issues.
We assess your situation before recommending any policy and remain available after activation.
Working with an insurance broker in Spain for expats ensures policies are structured, compliant and aligned from the outset.
For visa-specific insurance requirements:
Core insurance areas
Insurance Solutions for Expats in Spain
We advise expats in Spain across the main insurance areas:
Built on expat experience
Why Expats Rely on Structured Insurance Advice in Spain
UEI was created to help international residents navigate insurance in Spain with clarity and structure.
Insurance in Spain involves legal requirements, documentation and long-term planning. Many expats face difficulties understanding how policies should be arranged and maintained.
Structured insurance advice becomes particularly important when:
- Applying for visas or residency in Spain
- Arranging insurance as a non-resident property owner
- Insuring imported vehicles or driving with a foreign licence
- Managing multiple policies across different insurers
- Planning long-term residence or financial protection
In these situations, insurance must be structured to avoid gaps, compliance issues or unnecessary risk.
This approach is based on clear, regulated and ongoing advisory support for expats living in Spain.
Choosing an insurance broker in Spain ensures proper structure, compliance and long-term alignment.
Professional oversight
Leadership & Insurance Advisory Responsibility
United Expat Insurance operates under the leadership of Sergio Agustí, overseeing advisory standards, client alignment and long-term insurance structuring for expats in Spain.
With over 15 years of experience working with international clients, he ensures recommendations remain clear, consistent and adapted to each situation.
This oversight provides continuity, accountability and properly structured insurance advice.
Faqs
FAQs — Expat Insurance Broker Spain
1.Are you an insurance company or an independent broker in Spain?
We are an independent insurance broker in Spain, not an insurance company. This means we work on your behalf, assessing different insurers and recommending policies that best match your situation, rather than selling products from a single provider.
2.Do you charge fees for insurance advice in Spain?
In most cases, no. Our advisory services are typically included within the policy arrangement through the insurer. If a specific advisory service involves a fee, this is clearly disclosed in advance.
3.Can you help arrange insurance before I move to Spain?
Yes. We regularly assist clients before relocation, helping them arrange visa-compliant health insurance in Spain before arrival, property cover and other policies required for moving to Spain.
4.What does an expat insurance broker in Spain actually do?
An expat insurance broker assesses your situation, identifies suitable insurers and structures insurance that aligns with legal requirements, residency status including property protection through home insurance in Spain, motor insurance required to drive legally in Spain, and long-term needs. The role includes advising, arranging and supporting policies over time.
5.Does insurance in Spain cover me outside the country?
In most cases, insurance in Spain is designed to cover risks within the country and may include only limited protection abroad, depending on the policy.
For international travel, medical emergencies and repatriation, expats typically require travel insurance for expats in Spain, which provides specific coverage outside Spain.
It is important to review each policy carefully to understand territorial limits and avoid gaps in protection when travelling abroad.
6.Do you work with multiple insurers in Spain?
Yes. As an independent broker, we work with a range of authorised insurers in Spain. This allows us to compare options and structure policies based on suitability rather than being tied to a single provider.
7.What happens if I need support during a claim?
We provide support throughout the claims process, helping you communicate with insurers, understand policy conditions and manage documentation. This ensures a smoother and more efficient resolution.
8.Is your advice regulated in Spain?
Yes. We operate as a regulated insurance broker registered with the Dirección General de Seguros y Fondos de Pensiones (DGSFP). All advice is provided within the Spanish legal and regulatory framework.
9.Can you manage my insurance long-term in Spain?
Yes. We provide ongoing support beyond policy setup, including renewals, adjustments and long-term portfolio alignment as your situation evolves in Spain.
10.Why use an insurance broker in Spain instead of buying directly from an insurer?
Using an independent insurance broker in Spain allows you to access multiple insurers and receive advice tailored to your situation, rather than choosing from a single provider’s products.
A broker assesses your residency status, legal requirements and long-term needs, ensuring your expat insurance in Spain is properly structured and compliant from the outset.
This reduces the risk of gaps in coverage, unsuitable policies or issues during claims, while providing ongoing support as your situation evolves in Spain.
Clear guidance
When to Trust An Insurance Broker
If your insurance involves visas, property, international exposure or long-term planning in Spain, structured advice becomes essential.
Working with a broker ensures your coverage is aligned from the outset.
Clear advice. Proper alignment. Long-term support.
- Independent brokerage · Regulated advisory · Professional guidance