Oscar
Lawyer · Barcelona, Spain
- 677 cases handled · 6 in this service
- 20+ years in practice
- Speaks: English, Spanish
- Law, University of Barcelona
-
4.97(57 reviews)
Insurance Claim Disputes in Spain
This page is for residents and expats in Spain whose insurance claim was refused, reduced or delayed. It explains the complaint steps and what English-speaking registered lawyers can do.
About Insurance Claim Disputes in Spain
An insurance claim dispute arises when an insurer in Spain refuses, reduces or delays a claim. People also search for insurance claim denied, insurer refuses claim, insurance claim lawyer or reclamación a la aseguradora. Typical cases involve home damage, health, car or travel insurance and life insurance linked to a mortgage. This page is for residents and expats; it is general information, not legal advice. Some older lists and lawyer pages call this service “General Insurance Claims”.
The usual steps
A dispute usually starts with a written claim to the insurer, then a complaint to its customer service department or insured's ombudsman. A complaint can then be made to the insurance supervisor's complaints service (DGSFP); its opinion is not binding and it does not set the amount. The last step is a court claim. Disagreements about the amount often involve an expert assessment (peritaje).
What a lawyer can do
English-speaking registered lawyers can read the policy and the reasons for refusal, collect documents, negotiate with the insurer and start a claim if talks fail. Insurance law can add interest when an insurer delays payment without justified reason.
Related pages: breach of contract and consumer law and disputes; see also litigation in Spain.
Questions and answers
Why can an insurer refuse a claim?
Common reasons are policy exclusions, late notification, missing information or a disagreement over the cause of the loss.
Which documents matter?
The policy, all correspondence, the refusal letter, reports, photos and invoices usually matter most.
Is there a time limit?
Yes, time limits exist and differ by policy type. A lawyer can check them early.
Does a complaint to the supervisor settle the dispute?
Not by itself. It is an opinion that can support a later claim, not a binding decision.
Does it matter that the policy is in another language?
Policy wording is read as written; a lawyer can explain it in English.
21 lawyers who provide Insurance Claim Disputes in Spain
Sorted by experience in this service. Write to any of them — the reply comes from the lawyer, without obligation.
-
-
Alvaro
Lawyer · Fuengirola, Spain
- 1,584 cases handled · 5 in this service
- 14+ years in practice
- Speaks: English
- Law, Jaén
-
4.97(146 reviews)
-
Inma
Lawyer · Valencia, Spain
- 716 cases handled · 5 in this service
- 18+ years in practice
- Speaks: English, Spanish
- Law, University of Valencia
-
4.99(56 reviews)
-
Inma
Lawyer · Murcia City, Spain
- 910 cases handled · 4 in this service
- 11+ years in practice
- Speaks: English, Spanish
- Law
-
4.95(59 reviews)
-
María-José
Lawyer · Murcia City, Spain
- 691 cases handled · 4 in this service
- 22+ years in practice
- Speaks: English
- Law, Universidad CEU Cardenal Herrera - Campus Elche
-
4.98(53 reviews)
-
José
Lawyer · Alicante City, Spain
- 786 cases handled · 3 in this service
- 22+ years in practice
- Speaks: English, Spanish
- Law, Alicante University
-
4.99(97 reviews)
-
Francisca
Lawyer · Gandia, Spain
- 469 cases handled · 3 in this service
- 21+ years in practice
- Speaks: English, Spanish
- University of Valencia
-
4.83(35 reviews)
-
Raffaele
Lawyer · Barcelona, Spain
- 1,553 cases handled · 2 in this service
- 15+ years in practice
- Speaks: English, Portuguese, Italian, Spanish
- Spanish Law; Italian Law, Universitat Pompeu Fabra - Università degli Studi di Milano
-
4.90(38 reviews)
-
Federico
Lawyer · Madrid, Spain
- 440 cases handled · 2 in this service
- 25+ years in practice
- Speaks: English, German, French, Spanish
- Law, Complutense University Madrid (San Pablo)
-
4.82(14 reviews)
-
María
Lawyer · Estepona, Spain
- 184 cases handled · 2 in this service
- 8+ years in practice
- Speaks: Spanish, English
- Law, University Granada
-
4.60(5 reviews)
-
Daniel
Lawyer · Mallorca, Spain
- 137 cases handled · 2 in this service
- 11+ years in practice
- Speaks: Spanish, Italian, English, Portuguese, French
- Law, UIB
-
5.00(5 reviews)
-
Francisco
Lawyer · Cadiz, Spain
- 136 cases handled · 2 in this service
- Speaks: English
-
4.63(5 reviews)
-
Maria
Lawyer · Girona, Spain
- 60 cases handled · 2 in this service
- 23+ years in practice
- Speaks: English, Spanish
- Law, Universidad Pompeu Fabra, Barcelona
-
4.38(8 reviews)
-
Rafael
Lawyer · Seville, Spain
- 204 cases handled · 1 in this service
- 31+ years in practice
- Speaks: English, Spanish
- Law, University of Seville
-
4.81(27 reviews)
-
Juan Ignacio
Lawyer · Vera, Spain
- 117 cases handled · 1 in this service
- 15+ years in practice
- Speaks: English, Spanish
- Law, University of Almeria
-
4.93(21 reviews)
-
Domingo
Lawyer · Las Palmas de Gran Canaria, Spain
- 372 cases handled
- 19+ years in practice
- Speaks: English, Spanish
- Law, Salamanca
-
4.94(28 reviews)
-
Miguel
Lawyer · Oviedo, Spain
- 254 cases handled
- 26+ years in practice
- Speaks: English, Spanish
- Law, University of Oviedo
-
4.98(22 reviews)
-
Juan
Lawyer · Madrid, Spain
- 164 cases handled
- 10+ years in practice
- Speaks: English, Spanish
- Degree in Law, Deusto University (Bilbao, Basque Country)
-
4.86(7 reviews)
-
David
Lawyer · Las Palmas de Gran Canaria, Spain
- 12 cases handled
- 10+ years in practice
- Speaks: French, Italian, English, Spanish
- Law, Universidad de Granada
-
Pablo
Lawyer · Granada, Spain
- 11 cases handled
- 21+ years in practice
- Speaks: Spanish, English, French
- Degree in Law, Universidad de Granada
-
Ramon
Lawyer · Almeria, Spain
- 13+ years in practice
- Speaks: English, Spanish
- Law, Almeria University
Contact form · a chat with a lawyer
Talk to a lawyer about Insurance Claim Disputes
21 registered lawyers provide this service in Spain. Describe your situation in a short chat — what happened, where, and how to reach you. Your enquiry is reviewed and passed to a lawyer who handles exactly this kind of case, with no obligation.
We are not just a place to list a profile: we work with every lawyer individually. Each one is registered with a bar association, and their experience, languages and client reviews are shown openly on their card.
Enquiries are answered by lawyers of AdvocateAbroad. This site provides legal information, not legal advice.
What our clients say about our service in Spain
-
The lawyer is very professional and very helpful. She has helped me with problems caused by another lawyer and, when I mixed up the time of an appointment, she was very understanding and arranged another one. Her English is perfect, so we never had any misunderstandings. I would definitely recommend her services to anyone.
— Elzbieta19 Nov 2021 -
Very happy with the service.
— Bill05 Nov 2020 -
The service dealt with my issue promptly and professionally. The lawyer was highly competent and friendly, and explained things clearly whenever I asked questions.
— Vince04 Nov 2025Insurance Claim Disputes -
Brilliant lawyer, for whom nothing was too much trouble. Others had advised me that my issue could not be fixed, yet she resolved it. I am truly grateful for her hard work, and I am very satisfied with the result.
— Georgina05 Sep 2023 -
Even though the case dragged on for more than a year, I was always kept informed about the process and got an immediate answer to every question. I am very satisfied with the final result.
— Tomas05 Aug 2020 -
I am very satisfied with the service the lawyer provided.
— Teodor02 Dec 2022 -
Our lawyer did a great job helping us resolve a purchase we made from a dishonest car dealer in Spain. She was honest with us from the beginning, always replied on time, and dealt with a very difficult person on the other side, closing the case successfully. We highly recommend this service!
— Anna27 Jun 2022 -
The Spanish court system has been slow, but for roughly three years the lawyer has pursued my case successfully and won a judgement in my favour. The final outcome is still uncertain, since the judgement is in its appeal period and the money owed to me still has to be collected. So far I have been very satisfied with his work, and his assistance has been excellent.
— Boris12 May 2022 -
The lawyer was extremely quick to get back to me with answers or advice. She was very approachable and very knowledgeable, and she explained clearly, in perfect English, what the law did and did not allow and how to move forward. I was extremely stressed about my situation, but I found her very reassuring.
— Georgina25 Apr 2022 -
For all my legal needs in Spain I will absolutely turn to the lawyer. His knowledge is great, he is very helpful and his legal experience is very broad.
— Gina24 Mar 2022 -
The service I asked for was provided, and very professionally.
— Lyn19 May 2021 -
Excellent service. The lawyer was very quick to explain all the procedures and the possible outcomes, in perfect English. Once she began she was extremely professional and thorough, with clear communication at every stage. The problem was dealt with in a very short time, and I could not have asked for a better or more professional service.
— Malcolm07 Mar 2022