Denisse Montserrat
Owner & advisor
Founder and sole advisor at LUX Insurance. She handles every enquiry, every policy and every claim personally — no intermediaries, no departments.
Our story
We started as two people in a small office on Concepción Street.
It was 2013, and half of our clients walked in with policies they did not understand. Some were paying twice for the same coverage. Others were convinced they were covered against a burglary that would never have been paid out. The banks were selling insurance as a financial product; the large networks were selling whatever was in their portfolio. Someone on the client's side was missing.
a good insurance policy is chosen by a person, not an algorithm
Twelve years later we are a team of three, we look after families and businesses across the Vega Baja and southern Alicante, from our office in Orihuela Costa. We have been through two economic crises, a pandemic, several regulatory changes and the rise of online comparison sites — and the conclusion is always the same: a good insurance policy is chosen by a person, not an algorithm.
We believe that insurance is, above all, a promise of peace of mind — not just a financial product. And that promise is only worth as much as the person on the other end of the phone when it matters.
Independence
We have no exclusivity agreement with any insurer.
Transparency
We always explain what we charge and why.
Local service
Physical office, local team, no scripted calls.
