Zurich Foreign Residents

Zurich Foreign Residents

The insurance and care you need when you are in Spain

We take care of you when you are in Spain

We protect what you love most

We draw on all our insurance expertise to provide you with what you really need and ensure you are fully protected in Spain.

  • We bring you premium quality car and home insurance
  • With the covers you need when you are in Spain
  • And the confidence of a large international insurer operating in over 170 countries
We understand you

We know how important it is to have someone who understands you and makes things easier when you are not in your home country.

  • We speak your language to make enquiries, procedures and handling documents easier for you
  • We tell you about local issues you should bear in mind
  • You can open a claim from your home country
  • You can pay using your bank account in your country
We are always by your side

You can always count on us and we will do everything we can to help you.

  • We have a network of expert specialist intermediaries
  • We provide assistance 24/7
  • We geolocate you in case of emergency
  • You can handle your policies on our Mi Zurich app for iPhone and Android

Some examples of our premium quality
We geolocate you in case of emergency
Handel by yourself your policies on our Mi Zurich App
You can open a claim from your home country
You can pay using your bank account in your country
Car Insurance

We take care of your car in Spain

Best in-class car insurance if you live is Spain or if you are in Spain, temporarily.

To make sure you have the insurance you want, we have four levels of protection: you can personalise and extend your level of protection with optional covers to best suits your needs.

Home Insurance

We take care of your home in Spain

Best in-class home insurance to ensure full protection to every house hold in Spain.

Because every home is different you can choose between 2 different levels of protection; no matter if your home is your main.


Life insurance
Commercial insurance

Zurich Foreign Residents
Zurich Foreign Residents
Zurich Foreign Residents
Zurich Foreign Residents
Zurich Foreign Residents
Zurich Foreign Residents

Find your agent

Canary Islands, South Spain, Balearic Islands, Levante, Catalonia

Find your agent

Canary Islands

Find your agent

South Spain

Find your agent

Balearic Islands

Find your agent

Levante

Find your agent

Catalonia

Covers, find out more details
These are the covers and services you can choose from. So that whatever happens, your car and your home and your family is protected against any possible damage.
  • Car Insurance

    Third-party

    Included covers
    Zurich Foreign Residents insurance covers
    COMPULSORY LIABILITY

    If other people are hurt and it’s your fault, we cover the personal injury you’ve caused up to €70,000.

    Zurich Foreign Residents insurance covers
    ESSENTIAL 24-HOUR TRAVEL ASSISTANCE

    If your car breaks down, we fix it on the spot or tow it up to 200 km.

    Zurich Foreign Residents insurance covers
    ESSENTIAL ACCIDENT

    If an accident leaves you disabled, we pay you the sum insured.

    Zurich Foreign Residents in Spain  insurance covers
    ESSENTIAL LEGAL EXPENSES

    If you have an accident and need a lawyer, we assign you one with no expense limit or you choose your own up to €1,500.

    Zurich Foreign Residents in Spain  insurance covers
    FREE CHOICE OF REPAIR GARAGE

    If you need a repair garage after an accident, you can choose the one you prefer within a 200 km radius.

    Zurich Foreign Residents in Spain  insurance covers
    APPROVED REPAIR GARAGES

    If someone damages your car and you need to have it fixed, we have over 800 approved repair garages with exclusive benefits.

    Optional covers
    Zurich Foreign Residents in Spain  insurance covers
    EXTENDED 24-HOUR TRAVEL ASSISTANCE

    If your car leaves you in the lurch, we send a breakdown vehicle that will tow you and your car with no kilometre limit.

    Zurich Foreign Residents in Spain  insurance covers
    WEATHER EVENTS AND GAME ANIMALS

    If hail dents your car, don’t worry; we pay to have it fixed.

    Third-party with glass

    Included covers
    Zurich Foreign Residents in Spain  insurance covers
    THIRD-PARTY COVERS

    All the included covers of the third-party level.

    Zurich Foreign Residents in Spain  insurance covers
    GLASS

    If your windscreen is cracked by a stone, we repair or replace it.

    Optional covers
    Zurich Foreign Residents in Spain  insurance covers
    PLUS 24-HOUR TRAVEL ASSISTANCE

    If your car is in the garage following an incident, you’ll have a replacement car while yours is being repaired.

    Zurich Foreign Residents in Spain  insurance covers
    EXTENDED LEGAL EXPENSES

    If you have an accident and need a lawyer, we assign you one with no expense limit or you choose your own up to €6,000.

    Third-party complete

    Included covers
    Zurich Foreign Residents in Spain - insurance covers
    THIRD-PARTY WITH GLASS

    All the included covers of the third-party with glass level.

    Zurich Foreign Residents in Spain - insurance covers
    THEFT

    If someone breaks into your car and steals your sunglasses, you’re covered up to €300.

    Zurich Foreign Residents in Spain - insurance covers
    FIRE

    If your car is partially burned, we pay for the repairs.

    Zurich Foreign Residents in Spain - insurance covers
    WEATHER EVENTS AND GAME ANIMALS

    If hail dents your car, don’t worry; we pay for the repairs.

    Zurich Foreign Residents in Spain - insurance covers
    VALUATION AS NEW

    If your car is stolen, we pay for a new one worth the same as yours during the three years following its first registration.

    Optional covers
    Zurich Foreign Residents in Spain - insurance covers
    EXTENDED ACCIDENT

    If you have an accident, you have unlimited care in partner medical facilities and coverage up to €12,000 in the facility of your choice.

    Zurich Foreign Residents in Spain - insurance covers
    TOTAL WRITE-OFF

    If your car is written off with no one else involved, we pay 100% of its value during the three years following its first registration.

    Fully comprehensive

    Included covers
    Zurich Foreign Residents in Spain
    Third-party complete

    All the included covers of the third-party complete level.

    Zurich Foreign Residents in Spain
    TOTAL WRITE-OFF

    If your car is written off with no one else involved, we pay 100% of its value during the three years following its first registration.

    Zurich Foreign Residents in Spain
    OWN DAMAGE WITH OR WITHOUT AN EXCESS

    If you dent your car on a car park pillar, we pay for all the repairs or part of them depending on whether or not you have an excess.

    Zurich Foreign Residents in Spain
    OWN DAMAGE WITH EXCESS

    If you want more protection at an affordable price, you can add.

    Optional covers
    Zurich Foreign Residents in Spain
    LOSS OF DRIVING LICENCE ALLOWANCE

    If you lose points and/or your licence is withdrawn, we pay you a monthly allowance for up to six months.

  • Home Insurance

    Essential protection

    Included covers
    Zurich Foreign Residents in Spain - insurance covers
    24H ASSISTANCE

    If one of your windows breaks or you have a water leak, our 24-hour service will deal with the problem.

    Zurich Foreign Residents in Spain - insurance covers
    WATER DAMAGE

    If a radiator leaks and ruins your floor, we pay for damage to the property you have insured.

    Zurich Foreign Residents in Spain - insurance covers
    BURGLARY

    If someone breaks into your house or cleans out your storage room, we pay for everything you have insured.

    Zurich Foreign Residents in Spain - insurance covers
    LIABILITY

    If a pane of glass in your house falls out and damages your neighbour’s car, we pay compensation up to the sum insured.

    Zurich Foreign Residents in Spain - insurance covers
    TOTAL DESTRUCTION

    If building work in the house next door causes your building to collapse, we pay to rebuild your house

    Zurich Foreign Residents in Spain - insurance covers
    ELECTRICAL DAMAGE

    If an electrical device is damaged by a power surge, we cover the electrical damage.

    Zurich Foreign Residents in Spain - insurance covers
    WINDOW, GLASS AND SANITARY WARE BREAKAGE

    If a pane of glass in a door or window breaks, we replace it with a new one.

    Zurich Foreign Residents in Spain - insurance covers
    LEGAL EXPENSES

    If you are involved in a court case, we cover the cost of the proceedings and your lawyer up to the sum you have taken out.

    Standard protection

    Included covers
    Zurich Foreign Residents in Spain - insurance covers
    ESSENTIAL COVERS

    All the included covers in the esential option.

    Zurich Foreign Residents in Spain - insurance covers
    BURGLARY OF JEWELLERY AND COLLECTIONS

    If someone breaks into your house and steals valuable jewellery, we pay you compensation.

    Zurich Foreign Residents in Spain - insurance covers
    COSMETIC DAMAGE TO BUILDINGS

    If a fire burns part of your parquet, we mend it or replace the flooring in the whole room.

    Zurich Foreign Residents in Spain - insurance covers
    COSMETIC DAMAGE TO CONTENT

    If a water leak ruins your sofa, we mend it or buy you a new one.

    Zurich Foreign Residents in Spain - insurance covers
    FURNITURE ON TERRACE AND GARDEN

    If hailstones ruin your garden table and chairs, we pay for some new ones.

    Zurich Foreign Residents in Spain - insurance covers
    EXCESSIVE WATER USAGE

    If a pipe breaks and the loss of water puts your bill up a lot, we pay you the difference compared with your usual usage.

    Zurich Foreign Residents in Spain - insurance covers
    MUGGING

    If you, your partner or your children are mugged, we cover the sum insured and up to €150 if cash is stolen.

    Zurich Foreign Residents in Spain - insurance covers
    SPOILAGE FOOD IN FRIDGE

    If a power cut ruins the food in your fridge, we pay the sum insured for the ruined food.

    Zurich Foreign Residents in Spain - insurance covers
    UNBLOCKING PIPES

    If a pipe gets blocked, we send a specialist to repair it.

    Optional covers
    Zurich Foreign Residents in Spain - insurance covers
    BURGLARY OF HIGH VALUE OBJECTS

    If someone breaks into your house and steals an antique vase, we pay you the sum insured.

    Full protection

    Included covers
    Zurich Foreign Residents in Spain - insurance covers
    STANDARD COVERS

    All de included covers of the essential option.

    Zurich Foreign Residents in Spain - insurance covers
    ALL RISK ACCIDENTAL

    If shelf falls down and a number of objects are broken, we cover the damage.

    Optional covers
    Zurich Foreign Residents in Spain - insurance covers
    BURGLARY OF HIGH VALUE OBJECTS

    If someone breaks into your house and steals an antique vase, we pay you the sum insured.

  • Life insurance

    Classic protection

    Included covers
    Zurich Foreign Residents in Spain - insurance covers
    DEATH

    We pay the covered benefit if the insured dies.

    Optional covers
    Zurich Foreign Residents in Spain - insurance covers
    PERMANENT DISABILITY

    We pay the covered benefit if the insured becomes absolutely disabled.

    Additional services
    Zurich Foreign Residents in Spain - insurance covers
    ONLINE WILL

    If you want to leave things sorted out, you can use our free service to draw up your will online.

    Zurich Foreign Residents in Spain - insurance covers
    INTERNET PRESENCE

    If you pass away and your family want to close your social media accounts, a team of specialists will do it for them.

    Zurich Foreign Residents in Spain - insurance covers
    ADVICE BY PHONE IN CASE OF DEATH

    If you pass away and your family don’t know which procedures they have to carry out, our specialists will advise them about what to do.

    Zurich Foreign Residents in Spain - insurance covers
    INHERITANCE ADVICE AND PROCEDURES

    If you pass away and your family have to handle the inheritance process, we will provide them with ongoing legal help by phone.

    Zurich Foreign Residents in Spain - insurance covers
    MEDICAL GUIDANCE

    If you’re not sure for example about some medicine you’ve been prescribed, you can ask a specialist for more information.

    Zurich Foreign Residents in Spain - insurance covers
    NUTRITIONAL GUIDANCE

    If you want to watch your diet, our nutritionists will give you advice.

    Zurich Foreign Residents in Spain - insurance covers
    VIP SERVICES

    To save you time and money in your everyday tasks you’ll have 24/7 professional help so you can take out the services you need at your own expense.
    Only for pólizas contratadas con un capital igual o superior a 200.000€, y siempre que la póliza del seguro esté vigente.

    Mortgage or loan protection

    Included covers
    Zurich Foreign Residents in Spain - insurance covers
    DEATH

    We pay the covered benefit if the insured dies.

    Optional covers
    Zurich Foreign Residents in Spain - insurance covers
    PERMANENT DISABILITY

    We pay the covered benefit if the insured becomes absolutely disabled.

    Additional services
    Zurich Foreign Residents in Spain - insurance covers
    ONLINE WILL

    If you want to leave things sorted out, you can use our free service to draw up your will online.

    Zurich Foreign Residents in Spain - insurance covers
    INTERNET PRESENCE

    If you pass away and your family want to close your social media accounts, a team of specialists will do it for them.

    Zurich Foreign Residents in Spain - insurance covers
    ADVICE BY PHONE IN CASE OF DEATH

    If you pass away and your family don’t know which procedures they have to carry out, our specialists will advise them about what to do.

    Zurich Foreign Residents in Spain - insurance covers
    INHERITANCE ADVICE AND PROCEDURES

    If you pass away and your family have to handle the inheritance process, we will provide them with ongoing legal help by phone.

    Zurich Foreign Residents in Spain - insurance covers
    MEDICAL GUIDANCE

    If you’re not sure for example about some medicine you’ve been prescribed, you can ask a specialist for more information.

    Zurich Foreign Residents in Spain - insurance covers
    NUTRITIONAL GUIDANCE

    If you want to watch your diet, our nutritionists will give you advice.

    Zurich Foreign Residents in Spain - insurance covers
    VIP SERVICES

    To save you time and money in your everyday tasks you’ll have 24/7 professional help so you can take out the services you need at your own expense.
    Only for pólizas contratadas con un capital igual o superior a 200.000€, y siempre que la póliza del seguro esté vigente.

    Disability protection

    Included covers
    Zurich Foreign Residents in Spain - insurance covers
    DEATH

    We pay the covered benefit if the insured dies.

    Optional covers
    Zurich Foreign Residents in Spain - insurance covers
    PERMANENT DISABILITY

    We pay the covered benefit if the insured becomes absolutely disabled.

    Additional services
    Zurich Foreign Residents in Spain - insurance covers
    ONLINE WILL

    If you want to leave things sorted out, you can use our free service to draw up your will online.

    Zurich Foreign Residents in Spain - insurance covers
    INTERNET PRESENCE

    If you pass away and your family want to close your social media accounts, a team of specialists will do it for them.

    Zurich Foreign Residents in Spain - insurance covers
    ADVICE BY PHONE IN CASE OF DEATH

    If you pass away and your family don’t know which procedures they have to carry out, our specialists will advise them about what to do.

    Zurich Foreign Residents in Spain - insurance covers
    INHERITANCE ADVICE AND PROCEDURES

    If you pass away and your family have to handle the inheritance process, we will provide them with ongoing legal help by phone.

    Zurich Foreign Residents in Spain - insurance covers
    MEDICAL GUIDANCE

    If you’re not sure for example about some medicine you’ve been prescribed, you can ask a specialist for more information.

    Zurich Foreign Residents in Spain - insurance covers
    NUTRITIONAL GUIDANCE

    If you want to watch your diet, our nutritionists will give you advice.

    Zurich Foreign Residents in Spain - insurance covers
    VIP SERVICES

    To save you time and money in your everyday tasks you’ll have 24/7 professional help so you can take out the services you need at your own expense.
    Only for pólizas contratadas con un capital igual o superior a 200.000€, y siempre que la póliza del seguro esté vigente.

  • Commercial insurance

    Premises protection

    Zurich Foreign Residents in Spain - insurance covers
    WATER DAMAGE

    If a tap leaks and ruins your floor, we fix it and pay for damage to the property you have insured.

    Zurich Foreign Residents in Spain - insurance covers
    FIRE

    If there is a fire or explosion in your premises, we pay for 100% of the damage.

    Zurich Foreign Residents in Spain - insurance covers
    TOTAL COLLAPSE OF THE BUILDING

    If works in the building next door completely destroy your premises, we help you and pay you so you can rebuild them.

    Zurich Foreign Residents in Spain - insurance covers
    COSMETIC DAMAGE

    If your floor is ruined by a water leak, we repair it. And if we can’t find the same parts, we replace the entire floor by ones that are as similar as possible.

    Zurich Foreign Residents in Spain - insurance covers
    DAÑOS ELÉCTRICOS

    Si se estropea un aparato o el cuadro eléctrico por una subida de tensión. Venimos a repararlo y cubrimos los daños hasta el importe asegurado.

    Zurich Foreign Residents in Spain - insurance covers
    BREAKAGE OF GLASS, WINDOWS AND SIGNS

    If one of your business’s window panes breaks, we pay for a new one plus transport and fitting.

    Zurich Foreign Residents in Spain - insurance covers
    FORCED EVACUATION

    If there is a fire and you cannot use your premises, we cover rental expenses for the duration of the repair up to 12 months.

    Zurich Foreign Residents in Spain - insurance covers
    RETURN FOLLOWING SERIOUS INCIDENT

    There is an incident in your business while you’re on a trip, we pay up to €600 for you to come back as soon as possible.

    Money and goods protection

    Zurich Foreign Residents in Spain - insurance covers
    CASH-IN-TRANSIT

    If your takings are stolen when you’re on the way to the bank to pay them in, we cover the sum you have insured.

    Zurich Foreign Residents in Spain - insurance covers
    BURGLARY AND ROBBERY

    If someone breaks into your business and steals cash, we pay 100% of the sum insured. If your customers are mugged in your establishment, we cover up to €300 per person.

    Zurich Foreign Residents in Spain - insurance covers
    MACHINERY AND ELECTRONIC EQUIPMENT BREAKDOWN

    If you accidentally drop a laptop and it breaks, we try to recover any information lost and also pay for a new one.

    Zurich Foreign Residents in Spain - insurance covers
    REPLACEMENT OF KEYS

    If your keys are stolen, we immediately send an emergency locksmith to change your lock.

    Lliability protection

    Zurich Foreign Residents in Spain - insurance covers
    OPERATING LIABILITY

    If a customer slips on entering your business and hurts themselves, we cover the cost of compensation.

    Zurich Foreign Residents in Spain - insurance covers
    EMPLOYER’S LIABILITY

    If an employee stumbles and hurts themselves, we arrange your representation in any claims and cover the injury or damage.

    Zurich Foreign Residents in Spain - insurance covers
    PRODUCT LIABILITY

    If a customer gets food poisoning from a product in poor condition supplied in your business, we see to your representation and cover any injury.

    Zurich Foreign Residents in Spain - insurance covers
    LEGAL EXPENSES

    If you are involved in a lawsuit, we cover the cost of the proceedings and your lawyer up to €6,000.

Happy to help you

The coverages displayed on this web site , are indicated to comply with the general terms and conditions of your policy.