Need a recommendation for reliable and trustworthy home/car insurance

Recommend you contact Grand Alicant Insurance, advertise on this site. Contact Alfonso there, very helpful and professional guy, his English is excellent.

Living now for 58 years permanently in this country, one of the first thinges I had to learn was forgetting about seriousness, trustworthuness, reliability, punctuality, responsability etc. On the contrary, I had to develop an up to then unknown amount of mistrust against everyone and everything. In the US my feelings were to receive more than I expected, in  Spain getting a lot promised and nothing at the end. Do not sign anything you do not fully understand, specially the General Conditions, a booklet of some hundred pages.. Good luck.

I would recommend you contact 

Caren Joyce

Jennifer Cunningham Insurances S.L

Tel: +34 960 500 116

caren.j@jennifercunningham.net

First class, professional service.Hope this helps.

Liberty are one of th major companies with whom most of the better agents deal.

We have them for house and vehicle insurance, as did my mother. They dealt efficiently with a major leak in her property whilst she was hospitalised. We ourselves have had minor domestic claims dealt with very well, and yesterday I wrote off the front wheel and tyre on my small car. We live in the campo down a lane liberally garlanded with large stones and small rocks! Within an hour after ringing them, the grúa was there ready to transport me and car. In the end, the driver changed the wheel for the spare thus enabling me to get to tyre specialist some 15 km away. Efficient and friendly and very kind drivers.

Car insurance I've used Linea Directa and Liberty. I've found both easy to deal with and efficient, both at the admin side and dealing with breakdown. Happy to recommend both. 

House insurance I've used Sabadell and would not recommend them at all. The banking side I still use, but my experience with with the insurance side was abysmal. 

Have used Linea Directa, expensive but not tested. 

I have used Mapfre for the house for a couple of years and will renew this year. 

If you want an English speaking service you will pay a premium for it. If you can deal with everything in Spanish you will save money. 

Hello Canadian Expat, 

First of all, wellcome to Spain!

One thing to consider when taking out home insurance is the Public Liability coverage, this is very important as some companies will "lower" this coverage to give you a better premium. I would always suggest a minimum of 600.000€ even if you are in an appt or a house. 

I would recommend you get an insurance agent or broker that you trust and stay away from banks when taking out home insurance, as they are more expensive with less coverage and they won't help you in case of a claim. The agent or broker will help you deal with claims managment and even negotiate the renewals with the company.

One more thing to consider is that if you are back and forth with your home country, be aware that in some companies they have whats called an "ocuppational period" this means that if you leave your home for some time (the time depends on the company, some are months, other are weeks) you will not be covered in case of an accident if you are out of your home for that period of time.

Feel free to contact me if you need any advice, as I will be happy to help. I would with an insurance agency through AXA (They don't have the ocuppational period).

I hope this helps!

Just want to thank everyone for their assistance in this matter and my apologies for the late response in terms of stating such. Look forward to meeting some of you eventually !