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Frequently Asked Questions

Find answers to all your questions about insurance with Exactly

General Questions

How quickly can my insurance start?

Most insurance policies can be activated the same day your details are verified. For health or business cover, our team takes care of the documents and updates you until the policy goes live.

Do I have to pay for your service?

No, our advice is completely free. You only pay the insurer for your chosen policy — no hidden fees or broker charges from us.

Can I change insurers anytime?

Yes, we can review your existing coverage and manage a smooth switch at renewal — or earlier if your policy allows. We make sure you stay protected every step of the way.

What is the cooling-off period?

Every policy includes a 14-day cooling-off period where you can cancel your insurance at no cost. This gives you time to review the policy terms and ensure it meets your needs.

Services & Support

Do you provide help in my language?

Absolutely. Whether you prefer English, Spanish, or another language, our multilingual team supports you from quote to claim.

I've just moved to Spain — can you help?

Of course. We assist new residents and expats daily, explaining local insurance rules and suggesting affordable, reliable cover to get you settled fast.

What types of insurance do you offer?

We provide a wide range of insurance options including home, car, health, business, travel, and life insurance. Our experts will help you find the right coverage for your specific needs.

How do I get a quote?

You can get a quote by contacting us via phone, email, or through our website. We’ll ask for some basic information about your needs and provide you with personalized options within 24 hours.

Claims & Policies

How do I make a claim?

You can initiate a claim by contacting our support team via phone, email, or through your online account. We’ll guide you through the process and handle communication with the insurance provider on your behalf.

Can I modify my policy after purchase?

Yes, most policies can be adjusted to better fit your changing needs. Contact our team, and we’ll help you make the necessary changes, whether it’s increasing coverage, adding new items, or adjusting your deductible.

What happens if I miss a payment?

If you miss a payment, we’ll contact you to help resolve the situation. Most insurers provide a grace period. We’ll work with you to prevent any lapse in coverage and find a solution that works for your situation.

How are premiums calculated?

Premiums are calculated based on various factors including the type of coverage, your personal circumstances, the value of items being insured, and your claims history. We work with multiple providers to find you the best value.

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Monthly premium starting from

Premiums vary based on multiple factors including:

  • Age and health condition
  • Coverage amount selected
  • Policy term length
  • Smoking status and lifestyle
  • Occupation and hobbies

Basic term life insurance starts from approximately €15 per month for young, healthy individuals.
Whole life or investment-linked policies typically range from €30-€100 monthly.

All prices are subject to individual risk assessment and policy terms.