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C1 Broker · Independent insurance brokerage since 1998
Insurance in Murcia
Personalised insurance advice for residents, property owners and businesses in Murcia and the Costa Cálida. C1 Broker, with Jan Peter Stuursma from Emphiera as your local contact, helps you explore insurance options suited to your situation, from Los Alcázares and the Mar Menor to Cartagena, Lorca and beyond.
- Personalised advice
- Local contact in Los Alcázares
- Independent insurance broker
- Support with insurance claims
Insurers we work with in Murcia
Four areas where we can help
Health insurance in Murcia
We compare health insurance based on access to doctors, hospitals and specialists, as well as co-payments, waiting periods and policy conditions. We help you consider suitable options for living in Murcia.
Home insurance in Murcia
Whether you own a main home, a second property near the Mar Menor or a holiday rental, we review buildings, contents, personal liability and terms that depend on how the property is used.
Car insurance in Murcia
If you drive between Los Alcázares, Murcia, Cartagena and Lorca, it is worth reviewing the level of cover, roadside assistance and replacement vehicle conditions. We help you compare options.
Life insurance in Murcia
Life insurance can help provide financial protection for people who depend on you. We review sums insured, benefits, exclusions and policy terms to help you assess your options.
Insurance advice throughout Murcia and the Costa Cálida
Los Alcázares and Mar Menor
Around Los Alcázares and the Mar Menor, we can help you compare home, car, health and other insurance. Emphiera is your local point of contact.
Murcia and Cartagena
For residents, homeowners and businesses in Murcia and Cartagena, we look at your personal or commercial needs and explain suitable cover.
Serena Golf, Roda Golf and Mar Menor Golf
In developments such as Serena Golf, Roda Golf and Mar Menor Golf, the use of the property—main residence, second home or rental—can affect the right cover.
Santa Rosalía and La Manga Club
For homes in Santa Rosalía and La Manga Club, we review contents, liability, periods of unoccupancy and other policy conditions.
Las Terrazas de la Torre, La Torre Golf and Hacienda Riquelme
A year-round home may need different protection from a holiday property. We help compare policies based on actual use.
Lorca and other Murcia residential areas
We also welcome enquiries relating to Lorca, Sierra Golf, El Valle Golf, Altaona, Corvera Golf, Peraleja Golf, Condado de Alhama and Hacienda del Álamo.
From first enquiry to your policy
Tell us what you need
Looking for new insurance, thinking of switching provider or unsure about an existing policy? Call or email us and explain your situation.
We look at the details
We review what makes different policies distinct. You can contact us by telephone or email; please arrange any in-person meeting in advance.
We compare options
We explain relevant cover, excesses and exclusions so you can make an informed decision. Requesting a quote does not oblige you to purchase.
Personal assistance in Murcia and the Costa Cálida
Murcia and the Costa Cálida include cities, residential areas, golf developments and coastal locations such as Los Alcázares and the Mar Menor. Insurance needs can vary between a main home, a holiday property and a business.
Jan Peter Stuursma of Emphiera is your local C1 Broker commercial contact. Contact him by phone or email to discuss your requirements.
Jan Peter Stuursma · Emphiera
Your C1 Broker commercial contact for Murcia and the Costa Cálida through Emphiera. Enquiries about home, health, car and life insurance.
Contact address: C/ Fuster 38, 30710 Los Alcázares, Murcia.
- Phone: +34 684 74 16 50
- Email: [email protected]
- Address: C/ Fuster 38, 30710 Los Alcázares, Murcia
We also support you after you buy
Help with claims
If something happens, we can help you understand the insurer's claim process, the documentation needed and the next steps.
Options from different insurers
We compare products from different insurers and look for cover suited to your needs. If your existing policy is already appropriate, we can tell you.
Clear explanation of the terms
Before you buy, we review relevant cover, limits and exclusions so you know what your policy does and does not include.
Authorised insurance broker
C1 Broker is registered with the Spanish Directorate-General for Insurance and Pension Funds under number J-3790.
Insurance should fit the way you live
When choosing health insurance, consider the provider network, co-payments and waiting periods. For home insurance, the property’s use and its contents matter. For cars, assistance and the precise extent of cover are important. Businesses need cover that reflects their actual operations.
From Murcia and Cartagena to the Costa Cálida and golf developments, each property and situation is different. C1 Broker and Emphiera can help you compare options and understand the conditions before committing.
Frequently asked questions about insurance in Murcia
Do I need private health insurance if I live in Murcia?
That depends on your circumstances and public healthcare entitlement. If you also want access to private doctors and clinics, we can compare provider networks, co-payments, waiting periods and cover. Check any insurance requirements for residency applications with the relevant authorities.
Does the community insurance cover my apartment?
Community insurance generally covers shared elements such as roofs, facades and common pipes, not necessarily your belongings, improvements or personal liability. We can review the policy and identify potential gaps.
I rent my apartment to guests. Do I need different home insurance?
Possibly. A main home, a holiday property that stays empty and a short-term rental have different risks. Tell us how you use the property so we can check liability, unoccupancy and policy conditions.
What insurance does a car registered in Spain require?
Third-party liability insurance is compulsory. Depending on the car and its use, you may also consider comprehensive cover, glass, theft and roadside assistance. We can explain the options and limitations.
I already have a policy. How can I change insurer?
We first review the policy renewal date and cancellation notice requirements. If a suitable alternative is available, we can help coordinate the change without gaps in cover.
How can I contact C1 Broker in Murcia?
Contact Jan Peter Stuursma of Emphiera on +34 684 74 16 50 or email [email protected]. Contact address: C/ Fuster 38, 30710 Los Alcázares, Murcia. Please ask ahead about availability for in-person appointments.
How much does insurance advice cost?
The initial conversation and comparison of insurance options are normally free for customers. As a broker, C1 Broker typically receives commission from the insurer included in the premium. We will explain any specific conditions before you decide.
Let's talk about insurance in Murcia
Contact Jan Peter Stuursma at Emphiera and tell us what you need. We can help you take the next step towards suitable cover in Murcia and the Costa Cálida.