{"id":1603,"date":"2017-05-17T14:14:47","date_gmt":"2017-05-17T13:14:47","guid":{"rendered":"https:\/\/lawebdeseguros.com\/archivos\/1603"},"modified":"2025-11-16T21:24:59","modified_gmt":"2025-11-16T19:24:59","slug":"im-sure-i-need-a-quick-guide-according-to-your-profile","status":"publish","type":"post","link":"https:\/\/lawebdeseguros.com\/en\/im-sure-i-need-a-quick-guide-according-to-your-profile\/","title":{"rendered":"What insurance do I need? Quick guide according to your profile"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Contents\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #0a225d;color:#0a225d\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #0a225d;color:#0a225d\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/lawebdeseguros.com\/en\/im-sure-i-need-a-quick-guide-according-to-your-profile\/#%C2%BFQue_seguro_necesito_Guia_rapida_segun_tu_perfil\" >What insurance do I need? Quick guide according to your profile<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/lawebdeseguros.com\/en\/im-sure-i-need-a-quick-guide-according-to-your-profile\/#No_todos_necesitamos_lo_mismo\" >We don't all need the same thing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lawebdeseguros.com\/en\/im-sure-i-need-a-quick-guide-according-to-your-profile\/#%C2%BFVives_solo_o_sola\" >Do you live alone?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/lawebdeseguros.com\/en\/im-sure-i-need-a-quick-guide-according-to-your-profile\/#%C2%BFTienes_familia\" >Do you have a family?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/lawebdeseguros.com\/en\/im-sure-i-need-a-quick-guide-according-to-your-profile\/#%C2%BFEres_autonomo_o_freelance\" >Are you self-employed or freelance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lawebdeseguros.com\/en\/im-sure-i-need-a-quick-guide-according-to-your-profile\/#%C2%BFTienes_un_coche_o_moto\" >Do you have a car or motorbike?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/lawebdeseguros.com\/en\/im-sure-i-need-a-quick-guide-according-to-your-profile\/#%C2%BFTienes_hipoteca_o_estas_pensando_en_pedir_una\" >Do you have a mortgage or are you thinking of taking out one?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/lawebdeseguros.com\/en\/im-sure-i-need-a-quick-guide-according-to-your-profile\/#%C2%BFEstas_en_una_etapa_de_cambios\" >Are you in a period of change?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/lawebdeseguros.com\/en\/im-sure-i-need-a-quick-guide-according-to-your-profile\/#%C2%BFY_si_no_tengo_ni_idea_de_por_donde_empezar\" >What if I have no idea where to start?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/lawebdeseguros.com\/en\/im-sure-i-need-a-quick-guide-according-to-your-profile\/#Preguntas_frecuentes\" >Frequently asked questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/lawebdeseguros.com\/en\/im-sure-i-need-a-quick-guide-according-to-your-profile\/#%C2%BFComo_saber_que_tipo_de_seguro_contratar_segun_mi_situacion\" >How do I know what type of insurance to take out depending on my situation?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/lawebdeseguros.com\/en\/im-sure-i-need-a-quick-guide-according-to-your-profile\/#%C2%BFQue_seguro_necesito_si_soy_autonomo_en_Espana\" >What insurance do I need if I am self-employed in Spain?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/lawebdeseguros.com\/en\/im-sure-i-need-a-quick-guide-according-to-your-profile\/#%C2%BFExiste_algun_test_online_para_saber_que_seguro_necesito\" >Is there an online test to find out what insurance I need?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_seguro_necesito_Guia_rapida_segun_tu_perfil\"><\/span>What insurance do I need? Quick guide according to your profile<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Imagine something unexpected happens to you today - are you protected? Choosing the right insurance may seem complicated, but with the right information it's easier than it sounds. This quick guide is designed to help you identify, in a straightforward and straightforward way, which insurance is right for you based on your profile and current situation.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"No_todos_necesitamos_lo_mismo\"><\/span>We don't all need the same thing<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Every person, every family and every professional has different needs. The important thing is not to take out \"a lot of insurance\", but the right kind. Below, we show you the most common profiles and what type of insurance they usually need, always with a clear recommendation: <strong>choose according to your life, not according to what is fashionable or recommended to you without knowing your case.<\/strong>.<\/p>\n<section class=\"vc_cta3-container animacion-vc ai-play-skip\">\n    <div class=\"ai-play-skip cta_general vc_general vc_do_cta3 vc_cta3 CAT-VC vc_cta3-style-classic vc_cta3-shape-rounded vc_cta3-align-left vc_cta3-color-white vc_cta3-icon-size-xl vc_cta3-icons-left vc_cta3-actions-right wpb_animate_when_almost_visible wpb_fadeInDown fadeInDown vc_custom_canallas wpb_start_animation animated\">\n        <div class=\"vc_cta3-icons\">\n            <div class=\"vc_icon_element vc_icon_element-outer vc_do_icon vc_icon_element-align-left\">\n                <div class=\"vc_icon_element-inner vc_icon_element-color-white vc_icon_element-size-xl vc_icon_element-style- vc_icon_element-background-color-grey\" style=\"margin-right:10px;\">\n                    <!-- span class=\"fas fa-shield-alt icono-seguro\"><\/span -->\n                    <img decoding=\"async\" src=\"http:\/\/lawebdeseguros.com\/img\/logo_solo.svg\" alt=\"Logo\" style=\"width: 70px;\">\n                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"vc_cta3_content-container\">\n            <div class=\"vc_cta3-content\">\n                <header class=\"vc_cta3-content-header\">\n                    <p class=\"cta-heading h2\">What insurance do I need? Quick guide according to your profile<\/p>\n                <\/header>\n                <p class=\"cta_general cta-heading h3\">Define your situation in one minute and receive precise guidance on choosing the right protection.<\/p>\n            <\/div>\n            <div class=\"vc_cta3-actions\">\n                <div class=\"vc_btn3-container vc_btn3-inline\">\n                    <a class=\"cta_general vc_general vc_btn3 vc_btn3-size-md vc_btn3-shape-rounded vc_btn3-style-flat vc_btn3-color-green\" href=\"https:\/\/api.whatsapp.com\/send?phone=34659929495&#038;text=%C2%BFQu%C3%A9+seguro+necesito%3F+Gu%C3%ADa+r%C3%A1pida+seg%C3%BAn+tu+perfil\" target=\"_blank\" id=\"ga_whatsapp\" rel=\"noopener\">\n                        <i class=\"fab fa-whatsapp\"><\/i> Request for information                    <\/a>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFVives_solo_o_sola\"><\/span>Do you live alone?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>An independent profile often thinks it does not need insurance, but there are some basics that should not be overlooked:<\/p>\n<ul>\n<li><strong>Health insurance<\/strong>: quick access to specialists and tests without long waits.<\/li>\n<li><strong>Home insurance (even if it is a rental)<\/strong>protects you against theft, fire or water damage.<\/li>\n<li><strong>Life insurance<\/strong>If you have dependants, even if you live alone, it can be useful to leave everything covered.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFTienes_familia\"><\/span>Do you have a family?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When you have children, a partner or dependants, your priorities change. Here, insurance is not a luxury, but a tool to ensure stability if something unexpected happens.<\/p>\n<ul>\n<li><strong>Family health insurance<\/strong>: rapid medical access for all.<\/li>\n<li><strong>Life insurance<\/strong>financially covers your loved ones if you are absent.<\/li>\n<li><strong>Home insurance<\/strong>essential if you own or rent your home.<\/li>\n<\/ul>\n<p><strong>How to know what type of insurance to take out depending on my situation:<\/strong> Think about who depends on you, your routines and your real risks. Working in an office is not the same as working on a construction site or travelling every week.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFEres_autonomo_o_freelance\"><\/span>Are you self-employed or freelance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Self-employment involves more risks. Your activity does not stop because of sick leave and there is no company to cover you in case of an unforeseen event.<\/p>\n<ul>\n<li><strong>Health insurance with extra coverage<\/strong>to minimise waiting times and ensure your productivity.<\/li>\n<li><strong>Temporary incapacity or sick leave insurance<\/strong>If you don't work, you don't bill. This insurance can help you.<\/li>\n<li><strong>Professional liability insurance<\/strong>essential if your activity is likely to cause damage to third parties.<\/li>\n<li><strong>Life or accident insurance<\/strong>especially if you have a family or dependants.<\/li>\n<\/ul>\n<p><strong>What insurance do I need if I am self-employed in Spain?<\/strong> depends on your sector and level of exposure to risk. A graphic designer is not the same as an electrician.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFTienes_un_coche_o_moto\"><\/span>Do you have a car or motorbike?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Although vehicle insurance is compulsory, there are differences between the legal minimum and real protection.<\/p>\n<ul>\n<li><strong>Basic third party insurance<\/strong>The minimum, but it does not cover your own damage.<\/li>\n<li><strong>Extended third party insurance<\/strong>including glass, theft or fire.<\/li>\n<li><strong>Comprehensive insurance<\/strong>ideal if the vehicle is new or heavily used.<\/li>\n<\/ul>\n<p>If you share a vehicle, make frequent trips or depend on your car for work, it is best to opt for comprehensive cover. And if you also drive motorbikes or special vehicles, we recommend that you consult a specialist advisor.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFTienes_hipoteca_o_estas_pensando_en_pedir_una\"><\/span>Do you have a mortgage or are you thinking of taking out one?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The bank has probably told you about <a class=\"wpil_keyword_link\" title=\"LIFE INSURANCE\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/seguros-de-vida\/\" data-wpil-keyword-link=\"linked\">LIFE INSURANCE<\/a>or home insurance or even payment protection. The important thing here is to know what you need, not what suits the bank.<\/p>\n<ul>\n<li><strong>Mortgage-linked life insurance<\/strong>can guarantee that, if you default, the debt will be paid.<\/li>\n<li><strong>Payment protection insurance<\/strong>useful in case of unemployment or prolonged sick leave.<\/li>\n<li><strong>Compulsory home insurance<\/strong>If you have a mortgage, the bank usually requires it, but you can choose the company.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFEstas_en_una_etapa_de_cambios\"><\/span>Are you in a period of change?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Moving house, maternity, retirement, new job... Every major life change is an opportunity to review your insurance. Sometimes, what wasn't useful before is useful now. For example:<\/p>\n<ul>\n<li>A young person may not think about life insurance until they have children.<\/li>\n<li>A professional may not need sickness insurance until he or she changes employment status.<\/li>\n<\/ul>\n<p>Ask yourself these questions:<\/p>\n<ul>\n<li>Who depends on me?<\/li>\n<li>What would happen to me if I am unable to work tomorrow?<\/li>\n<li>Could you cover an unexpected health, household or vehicle expense?<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFY_si_no_tengo_ni_idea_de_por_donde_empezar\"><\/span>What if I have no idea where to start?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>It's OK. The important thing is to know that you are not alone. There are tools, such as a <strong>online test to find out what insurance I need<\/strong>who can guide you with just a few questions. And if you prefer to talk to a person, our advisors can help you without obligation.<\/p>\n<p>You can visit <a href=\"https:\/\/lawebdeseguros.com\/en\/\">lawebdeseguros.com<\/a> and tell us about your situation. Our team will analyse your profile and recommend which insurances would best protect you.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Preguntas_frecuentes\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"%C2%BFComo_saber_que_tipo_de_seguro_contratar_segun_mi_situacion\"><\/span>How do I know what type of insurance to take out depending on my situation?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Think about your real needs: if you have a family, if you are self-employed, if you own a house, etc. The key is to personalise.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%C2%BFQue_seguro_necesito_si_soy_autonomo_en_Espana\"><\/span>What insurance do I need if I am self-employed in Spain?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It depends on your activity. The most common are <a class=\"wpil_keyword_link\" title=\"health insurance\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/seguros-de-salud\/\" data-wpil-keyword-link=\"linked\">health insurance<\/a>The insurance covers sick leave, sick leave, civil liability and accidents.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%C2%BFExiste_algun_test_online_para_saber_que_seguro_necesito\"><\/span>Is there an online test to find out what insurance I need?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, there are interactive tools that can help you find your way around with just a few questions. But the best thing to do is to complement it with professional advice.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"vc_message_box vc_message_box-standard vc_message_box-rounded vc_color-warning\" ><div class=\"vc_message_box-icon\"><i class=\"fas fa-question-circle\"><\/i><\/div><p>Check the conditions carefully and remember: you can take out your insurance with any entity. <strong class=\"cursor-pointer\">The Insurance Web<\/strong> we help you to check if what you are offered is the best fit or if there are better options.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Discover the ideal insurance according to your personal, family or professional profile. Find the key coverages and the best option adapted to your real needs. What insurance do I need?<\/p>","protected":false},"author":2,"featured_media":3628,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_joinchat":[],"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1603","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-1","description-off"],"_links":{"self":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/posts\/1603","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/comments?post=1603"}],"version-history":[{"count":0,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/posts\/1603\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media\/3628"}],"wp:attachment":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media?parent=1603"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/categories?post=1603"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/tags?post=1603"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}