Company and regulatory identification for SpanishHomeInsurance.es, published in accordance with Law 34/2002 on Information Society Services and Electronic Commerce (LSSICE) and applicable insurance-distribution regulation.
In compliance with Article 10 of Law 34/2002 of 11 July on Information Society Services and Electronic Commerce (LSSICE), we provide the following identification information. SpanishHomeInsurance.es is operated under the 247 Expat Insurance brand.
Neil Peter Osborne is authorised and registered as an Exclusive Insurance Agent under Spanish insurance-distribution law, specifically:
Our registration can be verified in the public register of the Dirección General de Seguros y Fondos de Pensiones (DGSFP): www.dgsfp.mineco.gob.es. As an exclusive agent, we distribute the home insurance products of Grupo Caser Helvetia only. We do not compare or sell products of any other insurer.
As an exclusive insurance agent, we act solely on behalf of Caser and exclusively distribute their products. We do not handle, collect or hold client premiums or payments at any point — all payments are made directly by clients to Caser.
In accordance with Article 26 of Royal Decree-Law 3/2020, exclusive agents whose activities are fully covered by their principal insurer are not required to maintain separate professional indemnity insurance or independent financial-capacity measures. Professional indemnity cover and all financial guarantees are provided by Caser, who assume full responsibility for our distribution activities under the exclusive agency relationship.
Clients therefore benefit from the full financial strength and regulatory compliance of Grupo Caser Helvetia — one of Spain's largest and longest-established insurers.
The purpose of this website is to inform English-speaking residents, non-residents and prospective residents of Spain about home insurance products distributed by us as an exclusive agent of Caser, and to facilitate quoting, application and policy placement. The website is not a contract of insurance; the binding contract is formed between the client and Caser upon acceptance of the application. We arrange home insurance for residential properties located in Spain.
Use of the website is governed by our Terms & Conditions. Personal-data processing is described in our Privacy Policy. Use of cookies and similar technologies is described in our Cookie Policy.
All content on this website, including texts, graphics, images, code, structure and design, is protected by intellectual-property and industrial-property law. The content is owned by Neil Peter Osborne or used under licence, except for third-party trademarks (notably Caser and Helvetia) which belong to their respective owners.
Reproduction, distribution, public communication, transformation or any other use — in whole or in part — of the content of this website without express written authorisation is prohibited. Fair quotation and personal, non-commercial use are permitted provided the source is cited.
The website may contain links to third-party resources, including Caser, the DGSFP and Spanish government portals. Their inclusion does not imply endorsement, sponsorship or partnership. We are not responsible for the content, accuracy, privacy practices or availability of third-party sites.
We make reasonable efforts to ensure the accuracy and timeliness of the information published on the website, but:
Nothing in this Legal Notice excludes or limits liability that cannot be excluded under Spanish law, including liability for death or personal injury caused by negligence, or for fraud.
Complaints can be submitted to info@247expatinsurance.com. If unresolved after two months, or in the first instance with Caser, clients may escalate to:
This Legal Notice and any matter arising from the use of the website are governed by Spanish law. Subject to any mandatory consumer-protection rules, the parties submit to the exclusive jurisdiction of the Courts and Tribunals of Murcia, Spain.
We may update this Legal Notice to reflect changes in law, regulation, our activity or our services. The current version is the one published on this page, with the "Last updated" date shown above.
