How Spanish Home Insurance collects, uses, stores and protects your personal data, in compliance with EU GDPR, Spanish LOPDGDD and insurance-sector regulation.
Spanish Home Insurance ("we", "our", "us") is the SpanishHomeInsurance.es website, operated by Neil Peter Osborne, trading as 247 Expat Insurance, an Exclusive Insurance Agent of Grupo Caser Helvetia, registered with the Dirección General de Seguros y Fondos de Pensiones (DGSFP) under number C0031Y0339267P. This Privacy Policy explains how we collect, use, store and protect your personal data when you visit our website, request a quote, correspond with us, or otherwise interact with our services.
This Policy complies with Regulation (EU) 2016/679 (GDPR); Spanish Organic Law 3/2018 (LOPDGDD); Law 34/2002 (LSSICE); Law 20/2015 (LOSSEAR) and Royal Decree-Law 3/2020 transposing the EU Insurance Distribution Directive.
Where a quote is issued or a policy is contracted, Caja de Seguros Reunidos, Compañía de Seguros y Reaseguros, S.A. (Caser, part of Grupo Caser Helvetia — Avenida de Burgos 109, 28050 Madrid) acts as an independent data controller in its capacity as insurer.
Depending on your interaction with us, we may collect the following categories of personal data:
You guarantee that the data you provide is true, accurate, complete and up-to-date. Where you provide data about third parties (e.g. tenants or co-owners), you confirm you have a legal basis to do so and have informed them of this Privacy Policy. Home insurance does not normally require special-category (health) data; please do not send us health or other sensitive information unless we specifically request it for a defined purpose.
We rely on one or more of the following legal bases under GDPR Article 6:
| Purpose | Legal basis |
|---|---|
| Quote calculation & policy issuance | Pre-contractual measures / performance of a contract (Art. 6(1)(b)) |
| Enquiry handling & customer support | Legitimate interest in responding to your request (Art. 6(1)(f)) |
| Marketing emails & newsletters | Consent (Art. 6(1)(a)) |
| Legal, tax & AML compliance | Legal obligation (Art. 6(1)(c)) |
| Website security & fraud prevention | Legitimate interest (Art. 6(1)(f)) |
| Analytics & advertising cookies | Consent (Art. 6(1)(a)) — see Cookie Policy |
| Live chat / quote-form support (HubSpot) | Legitimate interest / pre-contractual measures (Art. 6(1)(f)/(b)) |
We share your personal data only where necessary and only with the following categories of recipients:
We do not sell your personal data.
Once your application is submitted to Caser, Caser becomes an independent data controller for the data processed within its systems. Caser's own privacy practices, retention periods and rights-exercise procedures are governed by its own privacy policy. Caser Data Protection Officer: dpogrupocaser@caser.es.
Your data is primarily stored and processed within the European Economic Area (EEA). Where a service provider is located outside the EEA (for example, email or analytics platforms in the United States), we rely on European Commission adequacy decisions (including the EU–US Data Privacy Framework where applicable), Standard Contractual Clauses, and supplementary technical and organisational measures where required.
We apply appropriate technical and organisational measures to protect your data against loss, unauthorised access, alteration or disclosure — including TLS encryption in transit, encrypted storage, access controls, staff awareness and regular review of processors' security standards. No internet-based service is entirely risk-free; we will promptly notify you and the supervisory authority of any breach that meets the thresholds in Art. 33–34 GDPR.
Our website uses cookies and similar technologies to ensure essential functionality, measure usage, and — where you consent — personalise content and advertising. Full details are in our Cookie Policy.
Under GDPR and LOPDGDD you have the rights of access, rectification, erasure, restriction, portability, objection (including to direct marketing at any time) and withdrawal of consent. You may also lodge a complaint with the Spanish Data Protection Agency (www.aepd.es). To exercise any of these rights, email info@247expatinsurance.com with proof of identity. We will respond within one month, as required by Art. 12 GDPR.
Our website and services are not directed at children under 14. We do not knowingly collect data from children.
We may update this Privacy Policy periodically to reflect changes in our practices or in applicable law. The "Last updated" date above reflects the most recent revision. Material changes affecting you will be notified by email or a prominent notice on the website.
Neil Peter Osborne — trading as 247 Expat Insurance (Exclusive Agent of Grupo Caser Helvetia).
C. Alcalde Clemente García, 19, 5, 30169 San Ginés, Murcia, Spain.
DGSFP register no.: C0031Y0339267P.
Email: info@247expatinsurance.com.
Caser Data Protection Officer: dpogrupocaser@caser.es
