Over 50s insurance in Spain.
OVER 50'S INSURANCE IN SPAIN - IN ENGLISH.
DISCOUNTS & SPECIAL OFFERS ON INSURANCE FOR THE OVER 50'S IN SPAIN.
OVER 50’S AND SENIOR INSURANCE IN SPAIN.
Being classified as over 50 or as a Senior does have some benefits when it comes to insurances in Spain. Like many insurance companies, and the same goes for insurance Companies in Spain, age does have advantages and benefits when it comes to getting better prices and lower quotes for our insurances.
Our age gives us the life experiences they trust, and gets us into the safest, or should I say, lowest premium category for most of our insurances in Spain, with the exception of life insurance.
CAR INSURANCE IN SPAIN FOR SENIORS, PENSIONERS AND THE OVER 50’S.
Getting a car insurance quote if you are over 50 in Spain has the benefits of lower premiums if you have had many years of driving a vehicle and still have Full No Claims Bonus. If you have been insured in the UK, then you can carry on with your full No claims Bonus and transfer it to your Spanish or English registered car insurance in Spain. This will entitle you to at least a 60% discount on the insurance premium.
Don’t use your local Bank in Spain to get an insurance quote for your property, buildings or contents insurance. we have found them to be the most expensive insurance premiums in Spain and they have a lot less cover than you would expect. Speak to one of our Insurance specialists in Spain, in English, or get a comparison quote from us.
We won’t hassle you, or give you a hard time, or force you to take out an insurance with us, we just want to help you get a better service for a better premium.
CASHBACKS ON CAR AND HOME INSURANCE IN SPAIN FOR THE OVER 50’S.
From time to time Expat insurance companies in Spain do promote special cashback offers on new car and home insurance policies. This is why the house and car insurance markets are extremely competitive on price. Not much help if you already have a car or house insurance in Spain, but by transferring a second policy to one of the companies offering a cashback, can net you anything between €40 and €60 Euros as a cashback.
You still have to pay the full Insurance premium up-front and it will be subject to you paying the premium by Direct Debit through your Spanish Bank. They will refund you the cash back amount after 30-60 days, directly to your Spanish Bank Account.
HOUSE, HOME, HOLIDAY HOME, INSURANCE DISCOUNTS IN SPAIN - SAVE 30%.
www.insuranceinspain.com have an exclusive offer on our VIP property insurance in Spain. We can guarantee to save you at least 30% of your house insurance premium, that is a massive minimum saving of €300 or more if your exisiting house insurance premium is currently over €1,000.
EXCLUSIVE VIP HOUSE INSURANCE IN SPAIN. (Only available through us).
Our Exclusive VIP property insurance in Spain looks after our wealthier customers too and it doesn't matter what age you are. You can protect your property properly with Public Liability, renters insurance, buildings and contents, artworks and collections, all risks inside and outside the property, garages, outbuildings, swimming pools and gardens. Our insurance package is very comprehensive and ideal for those expensive, luxury properties in Spain.
HEALTH INSURANCE FOR SENIORS, PENSIONERS AND THE OVER 50’S IN SPAIN.
Reaching the age of 50 is about as late as you want to leave it for taking out a health or life insurance in Spain. This is the age that Private Health Insurance companies, catering to the Expat community, start increasing the annual premiums on an age-related basis. The older you join a Private Health Insurance, the higher the initial premiums are going to be.
Health Insurance Premium in Spain usually increase in 5-year increments, so at the ages of 50-55-60-65 you can expect an increase in Health Insurance in Spain premiums and from 65 years old and upwards, there can be annual premium increases. The premiums will depend on your age and, of course, your medical history.
You can make big savings in health insurance in Spain if you join at an early age. Someone with Health insurance that started at the age of 40 will have a cheaper premium than those joining at 50.
LIFE INSURANCE IN SPAIN FOR THE OVER 50’S.
Life insurance in Spain is also one of those areas where you get premium penalties for starting late, so there are not many savings to be made on life insurance once you get past the age of 50. If you want to make savings, shop around, call us for advice and any life insurance quotes you might need, whether as a family life insurance or an individual one.
Life insurance needs to be done carefully so that it does not form part of your inheritance and there are some life insurance companies that are offering an immediate cash payment, upon production of the death certificate, to cover your initial funeral expenses and therefore reducing the financial burden on any of your dependents.
MULTI-POLICY INSURANCE DISCOUNTS FOR THE OVER 50’S IN SPAIN.
Loyalty to some insurance companies in Spain can benefit you. A lot will depend on the company you are using and which insurance Agent or Broker deals with your enquiries. We will look at your renewals and where possible we will look for savings on your premiums, transfer policies to cash back opportunities and make sure your renewal is done on time.
CANCELLING SPANISH INSURANCE POLICIES IN SPAIN.
Many of the insurance companies in Spain will take you to court if you do not write to them and notify them that you wish to cancel the policy at least two months prior to its renewal. This has become a problem for many people wanting to change their insurances for a company that offers a more competitive quote.
We all tend to leave insurance quotes to the last minute before renewal, so that we know what the renewal insurance premium is going to be and what price we are looking to beat. Part of our insurance services to Expats is making sure that you are notified well within the time frame and chasing better prices and cover for your insurance renewal in Spain.
Some insurance Agents and Brokers just don’t bother letting you know until it is too late to cancel your insurance in time. They are aware, but if they don’t let you know you will have little choice but to continue the renewal whatever insurance you have with them, or you face the prospect of them taking you to court. Car and house insurance cancellations require one month’s notice of cancellation, Medical, Health and life insurances are 2 months’ notice.
Our Insurance Services covers just about every type of insurance an Expat, Pensioner or Senior person (Over 50) could ever need in Spain.
For more information please contact us for a quote or request a call back.
UPDATED FEBRUARY 2020. COPYRIGHT WWW.INSURANCEINSPAIN.COM