Skip to content
LUX Insurance.
Independent insurance broker · Torrevieja

Your insurance is chosen by a person, not an algorithm.

We don't sit across from our clients. We sit beside them.

We compare 20+ insurers by hand, piece by piece, until we find the cover you actually need. No fine print, no algorithms, no obligation.

LUX Insurance advisor meeting with a client
4.9/5
Average rating from our
clients on Google
Advisor explaining a policy
01 · We listen Before we compare prices, we understand your life.
Signing a policy on a desk
02 · We negotiate More than 20 insurers competing to cover you.
Attentive phone support
03 · We stay with you One call — we handle the rest.
12·
Years advising families and businesses in Torrevieja.
1,200+
Active clients, Spanish and international, who renew with us.
20+
Insurance companies compared on every policy you sign.
How we work

Four steps. Zero fine print.

A transparent, human process designed so you understand exactly what you're signing — and why.

Documents and pen on a desk during analysis

We review your situation

We listen. Family, assets, vehicles, business: we map out what really needs covering.

Policy comparison on screen

We compare 20+ insurers

We negotiate in parallel with the leading insurers to find you the best cover-to-price match.

Advisor presenting options to a client

We present clear options

No empty jargon. We explain what each policy covers, what it doesn't, and why we recommend one over another.

Ongoing phone support for a client

We look after your policy for its entire life

Renewals, changes, claims. One call and we take care of it. For as long as you're a client.

What our clients say

Voices of people who no longer call their insurer.

More than 1,200 active clients trust us. These are three of their stories.

★★★★★
"We've been with them for seven years. Last year we had a serious claim at the shop and they resolved it in a week — all I had to do was sign."
María Hernández
María Hernández
Retail insurance · Torrevieja
★★★★★
"They compared my car insurance across five insurers and saved me €340 with the same cover. Personal service, in my language."
James Whitaker
James Whitaker
Car insurance · Orihuela Costa
★★★★★
"They walked us through the life insurance and the mortgage policy. They explained everything twice, with no rush. I don't buy insurance now without going through them."
Carmen Ruiz
Carmen Ruiz
Life + home · La Mata

On the day of a claim, our clients don't call their insurer. They call us.

And that is precisely a broker's job.
Why a broker

A broker does not sell one company's insurance. A broker works for you.

The difference is structural. A tied agent is paid by one insurer, so they can only offer what that insurer lets them sell. We are independent: we earn our living by advising you well.

Which means we sit on your side of the table when there's a claim, when your premium goes up without warning, or when you discover your policy didn't cover what you thought it did.

Javier Mira, LUX Insurance's lead broker
"When a claim comes in, I handle it. Not the insurer."
Javier Mira · Lead broker · DGSFP J-2847

Talk to a broker

 
Broker
Agent
Works for…
You
One insurer
Insurers compared
20+
Only their own
Defence in claims
Represents you
Represents the insurer
Costa Blanca · Expats

Living on the Costa Blanca?

We know that insuring your home, your health or your car in Spain as a foreign resident comes with details: NIE, tax residency, translations, cover that was automatic back home and isn't here.

We work in Spanish, English and German, and we understand the typical cases of people living between two countries: second residence, repatriation, European retirees, digital freelancers.

Talk to a multilingual advisor
Retired couple enjoying the Costa Blanca
Comparison with no obligation

Over 12 years we have resolved more than 4,300 claims, without a single client ever having to speak to their insurer.

Tell us what you need to insure. In less than 48 hours we'll send you a comparison of the three best offers on the market for your case, explained in plain language — and from there, we take it from you.

The LUX Insurance team at the Torrevieja office
"You're looked after by them, not a call centre. And when you walk into the office, they know your name."