32 min read
A gust of wind, a flowerpot on the terrace wall, and down on the neighbour’s terrace there are shards, soil and a scratched sun lounger. Nobody is hurt, the neighbour is friendly, and still the question comes up at once: who pays for this, and will an insurance policy step in?
You may know personal liability insurance as a policy of its own. In Spain, liability insurance is called responsabilidad civil, and for many households personal liability cover is a section of home insurance, the seguro de hogar. There it is called responsabilidad civil familiar or responsabilidad civil privada. How far this section reaches is set differently by each insurer.
What you are liable for under Spanish law, where liability insurance is compulsory and where a Spanish policy may work differently from what you are used to: all of this can be traced precisely in the Código Civil and in two current sets of policy terms from Spanish insurers. That way you know what to look for in your own policy.
- There is no general legal obligation to have personal liability insurance in Spain. Obligations apply to individual risks, for example for hunters and for owners of potentially dangerous dogs (cover of at least 120,000 euros).
- Since 29 September 2023, the animal welfare law Ley 7/2023 has provided for liability insurance for dogs, with exceptions including herding, livestock guardian and hunting dogs. The minimum amount is to be set by a regulation that had not been published by October 2026. The insurance supervisor considers the obligation not applicable until then, but regions and municipalities can require liability cover.
- In Spain, parents are liable for damage caused by their minor children in their care. The law sets no minimum age for the child. Parents can only avoid liability by proving that they did everything that could reasonably be expected.
- In the two sets of policy terms we reviewed, personal liability is a section of home insurance. What it covers is set out in the condiciones generales, the amount in the condiciones particulares.
- In the two sets of policy terms we reviewed, pets are excluded in one and covered in the other only if the animal is named in the policy.
- When travelling, cover in both sets of terms only applies to stays of up to three months.
- Under the Código Civil, claims for damage outside a contract become time-barred after one year, counted from the moment the injured party learned of it. In regions with their own civil law, such as Catalonia, other periods may apply.
What you are liable for in Spain
The basic rule is in Article 1902 of the Código Civil: anyone who, through an act or omission, causes damage to another person through fault or negligence must make good the damage. Liability insurance takes over exactly this obligation if the damage is one of the insured risks.
Things get more interesting where you have to answer for other people or for things. Here Spanish law is strict in several places.
| Article Código Civil | Who is liable | For what |
|---|---|---|
| 1902 | Everyone | Damage they cause themselves through fault or negligence |
| 1903 | Parents | Damage caused by their children in their care. Exemption only by proving the diligence of a buen padre de familia |
| 1905 | Keeper and user of an animal | Damage caused by the animal, even if it has escaped. Exemption only in the case of force majeure or fault of the injured party |
| 1907 | Owner of a building | Collapse of the building or part of it if necessary repairs were not carried out |
| 1908 | Owners | Among other things, trees falling on paths, unless caused by force majeure |
| 1910 | Head of the household, cabeza de familia, who lives in the home | Things thrown or falling from the home |
The flowerpot from the opening example is therefore a typical case under Article 1910.
Is liability insurance compulsory in Spain?
There is no general legal obligation in Spain to have personal liability insurance. The Spanish Insurance Contract Act, the Ley 50/1980 de Contrato de Seguro, governs liability insurance in Articles 73, 74 and 76 as a type of contract (Article 75 has been repealed). Obligations arise from special laws for individual risks. If you are looking for liability insurance for your car: that is compulsory in Spain, and you will find the details on our page on car insurance in Spain.
Dogs in the law, amount open
Since 29 September 2023, Article 30.3 of Ley 7/2023 has provided for liability insurance for dog owners covering damage to third parties. Under Article 1.3, exceptions include herding and livestock guardian dogs as well as hunting dogs. The amount is to be set by a regulation, and until then the insurance supervisor considers the obligation not applicable. More on this in the section on dogs and cats.
Dangerous dogs compulsory
For the licence to keep a perro potencialmente peligroso, Article 3 of Real Decreto 287/2002 requires liability insurance of at least 120,000 euros. Regions can require more, Catalonia for example 150,253.03 euros per claim.
Hunters compulsory
Anyone who hunts with a weapon needs the seguro de responsabilidad civil del cazador under Real Decreto 63/1994. It covers personal injury up to 90,151.82 euros per victim, and without it there is no hunting licence.
Owners’ association: no obligation under the law
The Spanish law on owners’ associations, the Ley 49/1960 de Propiedad Horizontal, does not require liability insurance either. Article 9 only says that the comunidad de propietarios may take out insurance for damage to the building from its reserve fund. The association’s statutes may, however, contain rules on insurance. So take a look at the estatutos of your development before assuming that nothing is required.
The fact that something is not compulsory does not mean it is unimportant. Personal injury can lead to claims that a private household cannot bear alone, and in Spain the injured party can take their claim directly to your insurer, if you have one. There is more on this in the section on direct action.
Where personal liability cover sits in Spain
The insurance supervisor also takes the view that liability cover can run through home insurance, the seguro de hogar: in a notice on liability insurance for dogs, the Dirección General de Seguros y Fondos de Pensiones explains that home insurance policies which include liability for pets are also sufficient for this.
How differently insurers handle this is shown by two current sets of policy terms: the home insurance of Línea Directa (file dated March 2026) and the Hogar Directo product from Ocaso (version 04/26). Both split liability cover into several sections:
- Responsabilidad civil familiar or privada: damage arising from the private life of the policyholder and their family. With Línea Directa only if the contents, the contenido, are also insured.
- Responsabilidad civil del propietario: damage you are liable for as the owner or occupant of the home. With Línea Directa only if the building, the continente, is also insured.
- Responsabilidad civil del personal doméstico: damage caused by domestic staff in the course of their work. With Línea Directa likewise only if contents are also insured.
Which sections you have is not stated in the general terms but in your condiciones particulares, the policy schedule. Línea Directa says so explicitly: the cover sections can be taken out individually or together, and what counts is what is in your policy. With Ocaso the same applies to all cover sections.
An open clause and a closed list
The most important difference between the two sets of terms lies in how the cover is worded. Ocaso covers liability for damage you cause to third parties through fault or negligence, and expressly mentions the acts of your private life. Línea Directa covers liability under Articles 1902, 1903 and 1910 of the Código Civil only if the damage results from one of the events listed in the clause. These include, for example, food poisoning of guests, amateur sport other than high-risk sports, minor building work, falling objects and vehicles without an engine. For building work, however, the general exclusions remove cover for damage you cause directly yourself during repair, maintenance or DIY work.
An open clause with exclusions covers in principle everything that is not excluded. A closed list only covers what is in it. Damage that does not appear on any line is then not insured, even if it is not expressly excluded anywhere. So when you read your own policy, start by checking how the cover begins.
They contain three things without which no question about cover can be answered: whether the responsabilidad civil familiar section has been agreed at all, which amount applies per claim and per year, and whether there is a limit per injured person. If any of this information is missing, ask your insurer or broker.
Who is insured and who counts as a third party
Liability insurance protects you when a third party makes a claim. Two questions therefore decide the scope: whose acts are insured, and who counts as a third party in the first place?
Insured persons
Both sets of terms link cover for the family to living together. With Línea Directa, spouses and partners as well as relatives by blood or marriage up to the second degree are insured if they live in the insured home. Liability cover applies to acts of the policyholder, their partner, minor or dependent children and other relatives who live with them and depend on them. Ocaso names the spouse or the partner entered in the official register, as well as persons the insured is responsible for, such as minor children in their care and relatives who are financially dependent on them, in each case if they live with them in the insured home.
For expat families in Spain this means: an adult child who has gone back to your home country to study, or parents who spend the winter with you, are not automatically insured. What counts is who lives in the insured home and how your insurer establishes this. Línea Directa mentions, for example, the certificate of registration with the town hall, the empadronamiento.
Who is not a third party
Damage you cause to the people you live with is not a liability claim under either set of terms, because people who live with you in the same home do not count as third parties. Both sets of terms draw the circle wider, though. With Línea Directa, relatives by blood or marriage up to the second degree are not third parties either, such as parents, siblings, grandchildren and parents-in-law, even if they do not live with you. Ocaso excludes spouses and registered partners, ancestors and descendants, and domestic staff while on duty from the circle of third parties. If your child knocks over the grandparents’ television during a visit, that is not an insured liability claim under these terms. Only for liability as owner or user of the home do both sets of terms expressly treat relatives who do not live with you as third parties.
Domestic help
Both sets of terms cover damage caused by domestic help in the course of their work. Línea Directa limits this to work in the insured home and excludes damage caused by staff who are not registered with Spanish social security. If you employ a cleaner without registering them, you therefore have no cover there.
Children: where Spanish law is strict
When it comes to children, Spanish law contains a rule that has direct consequences for your policy.
What is sometimes assumed
Young children cannot cause a claim
It is easy to assume that damage caused by a very young child leads to no claim at all, or that the injured party has to show that the parents failed to supervise. Neither can be taken for granted in Spain.
Spain
Parental liability without a minimum age for the child
Under Article 1903 of the Código Civil, parents are liable for damage caused by their minor children in their care. The article sets no minimum age for the child. Parents can only avoid liability if they prove that they exercised all the diligence of a buen padre de familia to prevent the damage.
For families this means that in Spain, damage caused by a child is, as a rule, a matter for the parents. Liability cover for the children is therefore the core of a family policy.
The clause to look for
Article 1903 depends on whether the child is in your care, not on where the damage happens. A child who causes damage at the playground, playing football in the park or on holiday is just as much in your care as at home. This is exactly where policies can differ.
In its list of exclusions, Línea Directa excludes acts of minors who are, even temporarily, in the custody or care of third parties or who are outside the insured home. In the original wording: “o se hallen fuera de la vivienda asegurada” (“or are outside the insured home”). Ocaso, by contrast, links cover for children to living together in the insured home, not to where the act takes place.
In your terms, look under the exclusiones of the responsabilidad civil for words such as menores, custodia, vigilancia de terceros and fuera de la vivienda. If there is an exclusion for children outside the home or in the care of others, for example at school, a large part of typical damage caused by children is not insured.
Whether such a clause holds up in a dispute is a legal question that we do not answer here. In Article 3, the Insurance Contract Act requires clauses that limit your rights to be specially highlighted and separately accepted by you in writing. In practice something else counts: with a policy without this exclusion, the question does not arise in the first place.
Dogs and cats
In Spain, the keeper of an animal is liable particularly strictly. Under Article 1905 of the Código Civil, anyone who keeps an animal or makes use of it is liable for the damage it causes, even if it has escaped. They can only avoid liability in the case of force majeure or if the injured party caused the damage themselves. This applies to cats just as much as to dogs. The animal welfare law only provides for an insurance obligation of its own for dogs, however.
Liability insurance for dogs under Ley 7/2023
In Article 30.3, the animal welfare law requires dog owners to take out liability insurance for damage to third parties for the whole of the animal’s life, which also covers the people responsible for the dog. Under Article 1.3, exceptions include herding and livestock guardian dogs as well as hunting dogs, for which separate rules apply. The amount is to be set reglamentariamente, that is, by regulation. By October 2026 this regulation had not been published in the Spanish official gazette.
In September 2023, the insurance supervisor and the Directorate-General for Animal Rights stated that without this regulation the obligation could not legally be applied, unless a regional or municipal rule or the nature of the activity with the dog provides otherwise. For you the consequence is simple: liability insurance for your dog makes sense in any case, and your municipality or region may already require it. How the rule made its way into the law is described in our earlier article on the new animal welfare law from 2023.
What home insurance does for animals
The two sets of terms we reviewed take opposite approaches here:
Línea Directa excluded
Liability arising from keeping animals, responsabilidad civil por tenencia de animales, is on the list of exclusions. A dog then needs cover of its own.
Ocaso named animals only
Damage caused by pets that are described and identified in the condiciones particulares is covered. An animal that is not listed there is not insured.
So with every new dog, check whether it is in your policy and have it added. If you want to cover vet costs and liability together, you will find the options on our page on pet insurance in Spain.
As an owner, landlord or tenant
If you own or rent a property in Spain, you are liable not only for your own conduct but also for the condition of the home. These risks often run through home insurance, and this is where there are gaps that can become expensive.
Owners
As an owner, you are liable under Article 1907 of the Código Civil if your building collapses wholly or partly because necessary repairs were not carried out, and under Article 1908 for, among other things, trees falling on paths. Línea Directa names these two articles in the responsabilidad civil del propietario section, which only applies if the building is also insured. Ocaso covers damage arising from your capacity as owner or user of the home, as well as objects that fall or are thrown. In their general exclusions, however, both sets of terms exclude damage caused by failing to carry out necessary repairs or by known wear and tear, which is exactly the typical case under Article 1907. So keep your property in good repair and ask your insurer to confirm in writing how far owner’s liability cover reaches on this point.
In Article 9, the law on owners’ associations also requires every owner to make good damage they cause through their own negligence or through persons they are responsible for. A leaking drain in your flat that damages the ceiling of the neighbour below is the classic case. Which section of your home insurance in Spain pays for water damage of this kind at the neighbour’s varies from policy to policy. Ask for specific confirmation.
Holiday home and second property
Owner’s liability cover applies to the home named in the policy. Ocaso expressly excludes liability arising from any other home or property. If you own a holiday home in addition to your main residence, you need separate cover for it. Línea Directa also limits personal liability cover to damage outside any gainful activity, al margen de cualquier actividad profesional o lucrativa (“outside any professional or profit-making activity”). If you let a property, even only for the season, check with your insurer whether the letting is covered.
Tenants
Tenants are subject to a rule that is easy to overlook. Under Article 1563 of the Código Civil, the tenant is liable for deterioration and loss of the rented property unless they prove that they are not at fault. Under Article 1564, they are also liable for damage caused by the members of their household. The burden of proof therefore lies with the tenant.
Tenant’s liability cover in the two sets of terms we reviewed is narrow by comparison: Línea Directa only covers damage to the rented home towards the landlord to the extent that it falls under the cover for fire, implosion, explosion and smoke. Ocaso only covers it in the case of fire or explosion.
A family rents a flat on the Costa Blanca. During a weekend away, the washing machine’s inlet hose bursts, water floods the living room and lifts the solid wood parquet. The landlord has the floor replaced for 4,000 euros and claims the amount from the family.
Under Article 1563, the family has to prove that they are not at fault. Tenant’s liability cover in the two sets of terms we reviewed does not apply, because the damage was caused neither by fire nor by explosion. Whether another section of their policy or the landlord’s buildings insurance pays for the damage to the floor depends solely on the wording of the terms in question.
This example is entirely made up for illustration and is not a case from our advice work. The amount is rounded.
Bicycles, e-scooters, sport and boats
With vehicles, sport and boats, the two home insurance policies we reviewed draw particularly clear lines.
Bicycles and e-scooters
Both sets of terms cover damage caused by bicycles and scooters without an engine, Línea Directa only if they belong to the insured contents and are not used in competitions. As soon as an engine is involved, cover ends: Línea Directa expressly names e-scooters and e-bikes as excluded vehicles, and Ocaso excludes every motor vehicle and defines it regardless of size, weight and speed. With Ocaso this can lead to a surprising situation: the e-bike itself counts as insured contents, but liability for an accident with it is not covered. In its general exclusions, Línea Directa also excludes damage arising from charging or storing motor vehicles and their batteries in the home, expressly including damage to third parties.
For e-scooters and other light electric vehicles, Spain has created a separate compulsory insurance with Ley 5/2025. Ordinary pedal-assisted e-bikes up to 25 km/h and no more than 250 watts are expressly excluded by the law. There is no obligation for them, but liability cover of their own still makes sense, because the two home insurance policies we reviewed do not cover them. How the rules work in detail is explained in our article on compulsory insurance for e-scooters in Spain.
Sport
Ocaso covers damage in any sport you practise as an amateur. Línea Directa only covers amateur sport if it is not a high-risk sport, and excludes, among others, polo, gliding, parachuting, water sports and combat sports such as boxing, wrestling and judo. If you regularly sail, surf or do combat sports, check specifically.
Boats and hunting
With both insurers, motor boats fall outside personal liability cover; separate rules and separate policies apply to them. Handling weapons is also excluded, with Línea Directa any kind of weapon, with Ocaso firearms. For hunters, the compulsory insurance under Real Decreto 63/1994 applies in any case, and both sets of terms expressly exclude damage that compulsory insurance has to cover.
Abroad and with a policy from your home country
If you live in Spain for part of the year and spend the rest in your home country, or travel a lot, the territorial scope of cover matters, and in the two home insurance policies we reviewed it is narrow.
- Línea Directa: personal liability cover and liability cover for domestic staff apply beyond Spain in the EU, the United Kingdom and Andorra if the stay lasts no longer than three months.
- Ocaso: damage outside Spain is covered during occasional stays of up to three consecutive months, except in the USA and Canada. Payment is made in euros and in Spain.
And a liability policy from your home country?
If you have kept the personal liability policy you took out before the move, whether it suits a life in Spain depends on where you are resident. Some policies cover damage abroad only during a temporary stay, and each insurer sets in its own contract how long a stay counts as temporary. A policy may also assume that you live in the country where it was issued.
If you have moved the centre of your life to Spain, you will generally no longer count as temporarily abroad under such a clause. So check three points in your contract: the time limit for stays abroad, whether residence in your home country is required, and whether your insurer knows about the move. For a residence in Spain, a Spanish policy is the more reliable route.
What is regularly not covered
The home insurance policies of Línea Directa and Ocaso contain exclusions that matter especially to private individuals:
- Professional activity: anything connected with a professional, commercial or profit-making activity is excluded. If you are self-employed, you need separate cover for this. More on this in our article on professional liability insurance for the self-employed in Spain.
- Motor vehicles: car, motorbike, motor boat, e-scooter and e-bike. For cars, compulsory motor insurance applies; details on our page on car insurance in Spain.
- Borrowed and entrusted items: damage to third-party property in your possession is excluded. The neighbour’s lawnmower you have borrowed is therefore not insured.
- Intent and gross negligence: both sets of terms exclude damage you cause deliberately, and in their general exclusions also gross negligence, culpa grave. Línea Directa also excludes damage arising from criminal acts, including negligence that counts as a criminal offence.
- Fines and penalties: neither set of terms pays multas or sanciones.
- Internet: Línea Directa excludes liability arising from acts on the internet.
A mishap as a guest, such as the vase that breaks over dinner at the neighbours’, is not reliably covered either. With a closed list, it depends on whether the incident falls under one of the listed events. And even with an open clause, a vase you are holding in your hand can fall under the exclusion for other people’s property in your possession. So find out in advance what kind of clause your policy has and how far the exclusion for other people’s property in your possession reaches.
Limit of cover, legal defence and direct action
How much personal liability cover pays when a claim arises, who defends against unjustified claims and whom the injured party turns to are governed jointly by your policy and the Spanish Insurance Contract Act.
The amount is in your policy
Neither set of terms states an amount in the general terms. Línea Directa refers to the insured sum per claim and per year and to a limit per injured person, both in the condiciones particulares. Ocaso speaks of a capital específico. How high your amount is can only be seen in your own policy.
Pay attention to both limits. An amount per claim and per year means that two claims in the same year may have to share it. A limit per victim can be well below the total amount in an accident with several injured people. Whether the amount suits your life is therefore the first question to ask of any policy.
Defence against unjustified claims
Under Article 74 of the Insurance Contract Act, unless otherwise agreed, the insurer takes over the legal defence against the injured party and bears the costs. Both sets of terms state expressly that the defence also covers unfounded claims. With Línea Directa this is a separate section, the defensa jurídica, which must be agreed in your condiciones particulares. If it is agreed, Línea Directa does not deduct court costs from the limit of cover.
The injured party can go directly to your insurer
Article 76 gives the injured party a direct claim against your insurer, the acción directa. Under the law, the insurer generally cannot raise against the injured party defences that only concern the relationship between you and the insurer. It may, however, rely on the injured party being solely at fault. If it has paid even though you caused the damage intentionally, it can recover the money from you. So pass on any claim that reaches you to your insurer immediately.
When damage has happened
A liability claim in Spain follows a clear sequence. If you know the deadlines, you avoid disputes with your insurer.
immediately
Record
- Take photos of the damage and the location
- Note the names and contact details of the injured party and any witnesses
- No payment and no admission of liability without consulting your insurer
by day 7
Report
- Article 16 requires notification within seven days, unless the policy provides for a longer period
- If you report late, you risk claims for damages from the insurer
- Pass on letters from the injured party immediately
afterwards
Get support
- Under Article 74, the insurer assesses the claim and handles the defence, unless the policy provides otherwise
- Answer any questions from a loss adjuster
- Collect receipts and estimates
one year
Keep the limitation period in mind
- Claims under Article 1902 become time-barred after one year, from the moment the injured party learned of the damage
- Claims between contracting parties, such as between tenant and landlord, follow their own periods, as do regions with their own civil law such as Catalonia
The one-year period comes from Article 1968 of the Código Civil. It matters most when someone has caused damage to you: do not wait too long to make your claim.
Six mistakes with personal liability insurance in Spain
Gaps in personal liability cover often arise where the policy no longer fits life in Spain.
Frequently asked questions
The following answers sum up important questions about liability insurance in Spain. They are based on the Código Civil, the Insurance Contract Act and the general terms of Línea Directa and Ocaso.
Is personal liability insurance compulsory in Spain?
There is no general legal obligation. Obligations exist for individual risks, for example for hunters under Real Decreto 63/1994 and for owners of potentially dangerous dogs, with cover of at least 120,000 euros. For dogs, Ley 7/2023 provides for liability insurance, with exceptions including herding, livestock guardian and hunting dogs. The minimum amount is to be set by a regulation that had not been published by October 2026. The insurance supervisor considers the obligation not applicable until then, but regions and municipalities can require liability cover.
What does responsabilidad civil familiar mean?
This is the name in Spain for the section of home insurance that covers damage to third parties arising from the private life of the policyholder and their family. In the two sets of policy terms we reviewed, there are also separate sections for liability as owner of the home and for damage caused by domestic staff. Which sections you have is stated in your condiciones particulares.
Are parents in Spain liable for their children?
Yes. Under Article 1903 of the Código Civil, parents are liable for damage caused by their minor children in their care. The article sets no minimum age for the child. Parents can only avoid liability if they prove that they exercised the diligence of a buen padre de familia. Check in your policy whether damage caused by children outside the home is excluded.
Is my dog covered by my home insurance?
That depends on the policy. In one of the two sets of policy terms we reviewed, liability arising from keeping animals is excluded; in the other, only animals described in the condiciones particulares are covered. Check whether your dog is listed there and have it added if necessary.
Is my liability policy from my home country valid in Spain?
That depends on your contract. Some policies cover damage abroad only during a temporary stay, and each insurer sets the maximum length itself. If you have moved your residence to Spain, you will generally no longer count as temporarily abroad under such a clause. Check the time limit and the residence clause in your contract and tell your insurer about the move.
Am I insured as a tenant for damage to the home?
Only to a limited extent. In the two sets of policy terms we reviewed, tenant’s liability cover only covers damage to the rented home in the case of fire and explosion, and in one of the two also implosion and smoke. Under Article 1563 of the Código Civil, the tenant has to prove that they are not at fault.
Is an e-scooter covered by personal liability insurance?
Not in the two sets of policy terms we reviewed. Both only cover bicycles and scooters without an engine, one of them only if they belong to the insured contents, and exclude motor vehicles, and one expressly names e-scooters and e-bikes. For e-scooters and other light electric vehicles, Spain has created a separate compulsory insurance with Ley 5/2025; pedal-assisted e-bikes up to 25 km/h are exempt from it.
Does Spanish personal liability cover apply on holiday?
In the two sets of terms we reviewed, only for short stays: cover outside Spain applies for up to three months, in one case in the EU, the United Kingdom and Andorra, in the other worldwide except the USA and Canada. If you are away for longer, you need suitable additional cover.
How quickly do I have to report a liability claim?
Under Article 16 of the Spanish Insurance Contract Act, within seven days of becoming aware of it, unless your policy provides for a longer period. If you report late, you may be liable to the insurer for the resulting loss. Pass on letters from the injured party immediately.
How long can an injured party claim compensation in Spain?
Claims for damage outside a contract under Article 1902 of the Código Civil become time-barred after one year, counted from the moment the injured party learned of it. Claims between contracting parties, such as between tenant and landlord, follow their own periods, and in regions with their own civil law, such as Catalonia, other periods may apply.
Our advice as an independent broker
In Spain, personal liability insurance is not a product you take out once and forget. It is tied to your home insurance, your home, your family and the animals that live there. If any of these changes, the policy should change with it.
As an independent insurance broker, we are not tied to any insurer. We read the terms of your existing policy, show you where the gaps are and compare solutions from several insurers. We advise you in English, and when a claim arises we handle the process with the Spanish insurer and its loss adjusters for our clients. For an overview of the cover sections, see our page on home insurance in Spain.
We review your existing policy for the amount of cover, children, animals, tenant’s liability and stays abroad, and make you an offer if there is a better solution. In English and with no obligation.
Phone: +34 922 94 16 10 or via our contact form.
We advise you on Tenerife, La Palma, Gran Canaria, the Costa Blanca and Mallorca.
Note: This guide is for general information only and does not replace legal advice or a review of your specific insurance contract. The information reflects the position as of October 2026 and is based on the linked versions of the Código Civil, Ley 50/1980 de Contrato de Seguro, Ley 7/2023, Real Decreto 287/2002, Real Decreto 63/1994, Ley 49/1960 and Ley 5/2025. The statements on Línea Directa and Ocaso are based on their publicly available general terms (Línea Directa, file dated March 2026; Ocaso Hogar Directo, version 04/26), are our own summary of the Spanish wording and may change. What your policy covers follows solely from your condiciones generales and condiciones particulares. Regional and municipal rules, for example on keeping dogs, may contain additional obligations. Get in touch if you would like us to review your policy.
