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One brokerage, every policy you need.

We compare 20+ insurers on your behalf to find the right coverage at the right price. No exclusive products, no commercial push.

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LUX Insurance brokerage
20+

Insurers

We negotiate simultaneously with the leading insurers in the Spanish market.

48h

Comparison

Three real quotes delivered to you in under two business days.

0

Cost to you

Brokerage advice is free. The insurer you choose pays us.

1·

Single phone line

One call for renewals, questions, claim reports or incidents.

Home insurance

Your home, the way you actually live in it.

Building, contents, water damage, theft, third-party liability. Policies designed for primary homes or second residences — including holiday rentals.

Building & contents

Real-world valuation, not the cadastral value.

Water damage

Leaks from neighbours and burst pipes.

Theft & jewellery

Coverage inside and outside the home.

Liability

Up to €600,000 for third-party damages.

24/7 Assistance

Locksmith, plumber and electrician included.

Holiday rental

Specific coverage for Airbnb and Booking listings.

We compare with: Mapfre · Allianz · Mutua · AXA · Liberty · Catalana Occidente · Generali · and 12 more.
Typical Costa Blanca home insured by LUX Insurance Home · Vega Baja
Family enjoying the coast Life · Health
Life & Health

What matters, always covered.

Life insurance linked to a mortgage or standalone, private health with nationwide provider network, accident and funeral cover. We help you choose what you need — and rule out what you don't.

Term life

Fixed or decreasing capital tied to your mortgage.

Private health

With or without copay, hospitalisation and diagnostics.

Accident

Disability, death, daily indemnity.

Funeral cover

Full service so your family faces no surprises.

Dental

Modular: basic, intermediate or full.

Pet

Veterinary care, liability and humane euthanasia.

We compare with: Sanitas · Adeslas · DKV · Asisa · Mapfre Salud · Aegon · Nationale-Nederlanden · and more.
Vehicles

Third party, extended or comprehensive — you decide.

Car, motorbike, moped, truck, motorhome, trailer and classic vehicle. We negotiate the discounts your driving history deserves.

Third party

Mandatory cover, extendable with theft, windscreen or fire.

Comprehensive

With or without deductible, replacement vehicle included.

Occasional driver

Partner, children, second residence.

Roadside assistance from km 0

Breakdown at home or anywhere in Spain.

Classic & vintage

Cars 25+ years old with dedicated valuation.

Fleets & self-employed

From 3 vehicles upwards, single policy.

We compare with: Mutua Madrileña · Línea Directa · Mapfre · AXA · Reale · Allianz · Pelayo · and 9 more.
Car parked on the Costa Blanca Car · Motorbike · Fleets
Office of a Spanish SME Business · SMEs
Business

Insure your business without insuring what you don't need.

SMEs, self-employed, corporations. Industrial multi-risk, professional and operations liability, cyber risk and collective-bargaining policies. We build the policy piece by piece.

Industrial multi-risk

Building, contents, business interruption.

Professional liability

Coverage tailored to your professional body or sector.

Cyber risk

Breaches, ransomware, legal defence.

Collective-bargaining cover

We meet the policies your sector agreement requires.

D&O (Directors & Officers)

Liability for company directors and executives.

Trade credit

Customer non-payment and export receivables.

We compare with: Hiscox · Allianz Empresas · AIG · Zurich · Generali Negocios · Markel · and more.
Retail & hospitality

Your premises, your stock, your customers — covered.

For hospitality, shops, workshops, salons and professional offices. Modular coverage based on square metres, stock value and turnover.

Building & furnishings

Renovations valued at real cost.

Stock

Seasonal inventory, industrial refrigeration, perishables.

Loss of earnings

We cover the revenue you lose while you rebuild.

Operations liability

Up to €1,000,000 for damages to customers and third parties.

Cash theft

Cash on premises and in transit.

Equipment breakdown

POS, ovens, refrigeration, machinery.

We compare with: Mapfre Empresas · Allianz · Catalana Occidente · Liberty · Plus Ultra · Generali · and more.
Bar and restaurant on the Costa Blanca Hospitality · Retail
Travellers with luggage at the airport Travel · Annual or single
Travel

For short escapes, round trips, and not coming back just yet.

Single, family, school, annual multi-trip or long-expedition travel insurance for digital nomads. International medical assistance, repatriation and cancellation.

Medical assistance

Up to €500,000 abroad.

Cancellation

Illness, job loss, other valid reasons.

Luggage

Delay, loss and theft of checked baggage.

Annual multi-trip

Covers every trip you take this year.

We compare with: Iati · Mapfre Asistencia · Allianz Travel · AXA Assistance · Chapka · Intermundial.

A selection of the 20+ insurers we compare for you

Mapfre
Allianz
AXA
Mutua
Generali
Liberty
Sanitas
Adeslas
DKV
Reale
Pelayo
Plus Ultra
No-obligation comparison

Not sure where to start? We'll start for you.

Tell us what you need to insure — or what you already have, if you want a second opinion. Within 48 hours we'll send you a clear comparison with the three best offers for your case.

Request a comparison Meet the team