Insurance in Spain: claim denied, low valuation, rental-car accident and coverage — in one place
Everything about insurance in Spain in one hub: how to complain when a claim is denied or delayed, how to challenge a low valuation (the independent-expert procedure (tercer perito)), what to do after a rental-car accident, and what your policy actually covers — explained simply and routed to a free check with NAVI.
Check my insurance →✓ No account · ✓ A few minutes
Pick your situation
Complain to the insurer, the DGSFP and arbitration or court.
Open guide → Low valuationIndependent-expert review and underinsured property.
Open guide → Coverage & cancellationWhat it covers, exclusions, and how to cancel or not renew.
Open guide → Rental-car accidentWhat to record, how to protect the deposit and how to claim.
Open guide →Report the accident, damage or loss and ask for a written answer.
Prepare claim → Refusal, delay or low offerPrepare a complaint when the insurer denies, delays or underpays.
Prepare complaint → Accident compensationCheck the compensation route after traffic, travel or other injury.
Check route → Insurer documentUnderstand an insurer letter, offer, refusal, calculation or policy clause.
Check document →Not sure about your insurance?
Tell NAVI the policy and the problem — a denial, a low payout or a cancellation. It explains the route and the next step, no account.
Describe my case →Explore the other hubs
Informational guide on insurance for people in Spain. Rules and deadlines change — check your case with NAVI.
This guide is general information about Spanish law, not a legal opinion on your case. Rules change and outcomes depend on your own facts and documents — check your situation before you act on it.
Need everyday protection, not just a one-off check?
Included: checks of Spanish documents, letters, requests and contracts before signing, Action Plans, consultation and sending your claims by burofax.