Insurance Lanzarote

Lanzarote is one of the most distinctive and beautiful islands in the Canary archipelago — and one of the most popular with British expats. Its otherworldly volcanic landscape, protected as a UNESCO Biosphere Reserve, combined with year-round sunshine, clean beaches, and a relaxed pace of life, have attracted a significant and established international community. The areas of Playa Blanca, Puerto del Carmen, and Costa Teguise are the main expat hubs, each with good English-language infrastructure.

The Expat Community in Lanzarote

Lanzarote has one of the highest proportions of expat residents of any Canary Island. British residents are the dominant group, followed by German, Irish, and Scandinavian expats. The island is small enough to feel like a genuine community — social clubs, English-speaking churches, and dedicated expat services are well established in the main resort areas. At Insurance Spain, we serve Lanzarote's international community in English, Norwegian, and German.

IGIC and the Canary Islands Tax Regime

Like all Canary Islands, Lanzarote operates under the IGIC tax system. All insurance products on the island are subject to IGIC, not mainland IVA. Our partner insurers are authorised under Canary Islands regulations.

Health Insurance in Lanzarote

Lanzarote's main private facility is the Clínica Lanzarote in Arrecife. For complex procedures, patients are typically referred to Las Palmas de Gran Canaria or the Spanish mainland. This makes comprehensive private health insurance with emergency evacuation cover particularly important on Lanzarote. The policy must also confirm Canary Islands coverage rather than "peninsular Spain only." Mandatory for Non-Lucrative Visa holders.

Home Insurance in Lanzarote

Lanzarote's property market is dominated by villas, bungalows, and apartments, most of which are used as primary residences or holiday homes. Key insurance considerations include:

• Volcanic and seismic risk — Lanzarote sits on active volcanic geology; verify your policy covers volcanic events
• Wind damage — the island is significantly windier than mainland Spain, and flat-roof properties and outdoor structures can be vulnerable to storm damage
• Holiday home vacancy cover — many properties are used part-time or let seasonally
• Pool and terrace liability — outdoor living areas are important on Lanzarote

Car Insurance in Lanzarote

Lanzarote has limited public transport outside the main resort areas. Car ownership is essential for most expats. The island is small — you can cross it in 45 minutes — but distances between urbanisations require a vehicle. We compare car insurance from all major Spanish providers and arrange cover for UK-registered vehicles.

Other Cover in Lanzarote

• Life insurance and funeral insurance with UK repatriation — important for the island's predominantly retired expat community
• Pet insurance including mandatory PPP breed liability
• Boat insurance — Playa Blanca and Puerto del Carmen both have marinas

Frequently Asked Questions — Insurance in Lanzarote

Does my home insurance cover volcanic damage in Lanzarote?

This varies significantly by policy. Standard Spanish home insurance may or may not include volcanic events — it depends on whether the policy includes extraordinary risk coverage via the Consorcio de Compensación de Seguros (CCS). We ensure your Lanzarote home insurance is correctly structured and that volcanic and geological risks are addressed.

How do I get a quote for insurance in Lanzarote?

Contact us or fill in the quote form. We understand the Lanzarote market and respond in English, usually within one working day.