Prudential and Brokers Finance

24/04/2026

🇬🇧Moving to the Canary Islands is a dream come true: the sun, the ocean, and a peaceful lifestyle. But dealing with a foreign healthcare system in another language can be a real headache. What if you need a specialist and don't speak Spanish?

As your trusted insurance broker, PBF Seguros has access to exclusive health insurance policies designed entirely for expats. Forget about language barriers and stress:

✔️ Manage everything from an app that is 100% in English.
✔️ Access a top-tier network of over 59,000 specialists, where you can easily find doctors who speak your language.
✔️ Enjoy a 24/7 multilingual medical chat.
✔️ Premium Option: Get up to a 90% reimbursement for medical expenses outside the network (with a limit of up to €500,000) and even get blood tests or medications delivered right to your door.

Your health shouldn't depend on your Spanish skills. We compare the market to find the best option for you, hassle-free

Send us a DM or click the link in our bio to get a free quote in 2 minutes. Or come grab a coffee at our sunny office, and we’ll explain everything! ☕

🇪🇸Mudarse a Canarias es el sueño de muchos: sol, océano y tranquilidad. Pero lidiar con un sistema de salud extranjero en otro idioma puede ser un verdadero dolor de cabeza. ¿Y si necesitas un especialista y no hablas español?

Como tu bróker de seguros de confianza, PBF Seguros tiene acceso a pólizas médicas exclusivas diseñadas íntegramente para expatriados. Olvídate de las barreras del idioma y del estrés:

✔️ Gestiona todo desde una app 100% en inglés.
✔️ Accede a una red de más de 59.000 especialistas de primer nivel, donde podrás encontrar médicos que hablen tu idioma.
✔️ Disfruta de un chat médico multilingüe disponible 24/7.
✔️ Opción Premium: Obtén un reembolso de hasta el 90% de tus gastos médicos fuera del cuadro médico (con un límite de hasta 500.000 €) e incluso recibe tus medicamentos o hazte análisis en la comodidad de tu hogar.

25/03/2026

Brisa del océano, asfalto perfecto y 365 días de temporada de moto en Canarias... ¿Sabías que un buen seguro puede proteger no solo tu moto, sino también tu valiosa equipación? 🏍️🌴
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Recorrer la isla en moto es un auténtico placer.
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Y para que nada te distraiga de la libertad y de las rutas escénicas, en PBF Seguros te ayudamos a encontrar algunas de las opciones más potentes del mercado entre las mejores aseguradoras de España.
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Entendemos perfectamente que la “armadura” de un motorista cuesta bastante dinero.
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Esto es lo que un seguro de moto premium actual puede ofrecer:
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🧥 Protección total de equipación y accesorios.
La cobertura puede incluir tu casco (y también el casco de tu pasajero), chaqueta de moto, pantalones con Kevlar, botas y guantes. Además, puede proteger accesorios extra como maletas, sliders y parabrisas.
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💡 Un detalle importante de PBF:
Las aseguradoras suelen fijar por defecto un límite de indemnización para la equipación de unos 400–500 €.
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Pero nosotros, como tu corredor personal, podemos ayudarte a encontrar una póliza donde ese límite sea más alto si prefieres marcas premium como Dainese, Alpinestars, Shoei, entre otras.
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Tu inversión en seguridad merece una protección realmente buena.
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Y además, la póliza puede incluir:
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🚀 Rapidez y asistencia.
Asistencia en carretera desde el kilómetro 0 y, en algunos casos, servicios adicionales que realmente marcan la diferencia cuando surge un imprevisto en la carretera.
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⚖️ Escudo legal.
Asistencia jurídica y apoyo con reclamaciones o asuntos relacionados con multas de tráfico.
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💰 Bonificaciones por experiencia.
Tarifas competitivas y descuentos atractivos para conductores prudentes.
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🏥 Tranquilidad total.
Cobertura de gastos médicos, protección frente al robo y, según la póliza, incluso opciones adicionales útiles para el motorista.
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Suena bien, ¿verdad?
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Disfruta de cada kilómetro y deja la protección en nuestras manos.

24/03/2026

Ocean breeze, perfect asphalt, and 365 days of riding season in the Canaries... Did you know that a good insurance policy can protect not just your bike, but your expensive gear too? 🏍️🌴
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Riding around the island is pure joy.
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And so that nothing distracts you from the freedom and scenic routes, at PBF Seguros we help you find some of the strongest solutions on the market from Spain’s top insurance companies.
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We understand perfectly well that a biker’s reliable “armour” costs serious money.
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Here is what modern premium motorcycle insurance can offer:
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🧥 Full protection for gear and accessories.
Cover may include your helmet (and your passenger’s helmet too), motorcycle jacket, Kevlar trousers, motorcycle boots, and gloves. It may also protect additional accessories such as panniers, sliders, and windscreens.
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💡 An important detail from PBF:
Insurance companies often set a default payout limit for gear at around €400–€500.

But as your personal broker, we can help you find a policy where that limit is higher if you prefer premium brands such as Dainese, Alpinestars, Shoei, and more.⠀
Your investment in safety deserves truly good protection.
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The policy may also include:
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🚀 Speed and assistance.
Roadside assistance from kilometre 0 and, in some cases, additional services that can make a real difference when something goes wrong on the road.
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⚖️ Legal shield.
Legal assistance and support with claims or matters related to traffic fines.
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💰 Experience bonuses.
Competitive rates and attractive discounts for careful riders.
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🏥 Complete peace of mind.
Medical expense cover, theft protection, and, depending on the policy, even additional useful options for the rider.
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Sounds great, doesn’t it?
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Now add our signature service to that.
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We will help you find the right policy in your own language.
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If something unpleasant happens on the road, just message your PBF manager on WhatsApp, and we will quickly help you understand the next steps.
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Enjoy every kilometre and leave the protection to us.
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12/03/2026

Did you know there is an insurance policy to protect your home against squatters? 🛑
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The fear of someone changing the locks on your house is real. And it's a huge concern if you have a second home, rent out your property, or live outside of Spain.
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👉 Swipe through the gallery to see the details.
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⚠️ A very common mistake to avoid:
Many people confuse "Unpaid Rent" with "Illegal Occupation" (Squatters/Okupas).
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• A defaulting tenant is someone with a contract who stops paying.
• A squatter (okupa) is a stranger who breaks in.
These are completely different legal issues and, therefore, require different coverages.
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📢 The great news:
Until now, protecting yourself against squatters was complex. But starting March 12th, a new specific guarantee for this problem comes into effect in the market.
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What exactly does this new protection include?
✔ Legal defense: lawyers handle all the procedures and legal costs to recover your home as soon as possible.
✔ Utility bills: coverage for the electricity and water bills generated by the squatters.
✔ Accommodation expenses: payment for a hotel or temporary rental if you cannot access your home.
✔ Property damage repair: compensation for damages to the property and furniture (available in extended plans).
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💡 THE MOST IMPORTANT PART:
Since this is a brand new and optional coverage, no standard home insurance includes it by default. To be protected, you need to update your current policy by adding this supplement, or include it when taking out a new insurance policy.
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Do you want us to update your policy to add this protection and avoid unpleasant surprises?
📩 Message us on WhatsApp, and we will analyze your case so you can sleep with total peace of mind.
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PBF Seguros
Clear protection. Smart decisions.

📲 Contact link in bio
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12/03/2026

Planning to move to the Canary Islands? 🌴

If you’re applying for Spain’s Non-Lucrative Visa, one of the most important requirements is private health insurance that meets immigration rules.

Many applications get delayed or rejected because the policy doesn’t meet the exact conditions.

In our guide you’ll learn:
✔ What health insurance Spain requires for residency
✔ Why travel insurance is not accepted
✔ What coverage immigration expects (no copays, full coverage)
✔ How to avoid the most common mistakes
For this visa, the insurance must provide full medical coverage equivalent to Spain’s public healthcare system, with no deductibles or co-payments and valid for at least one year. �
exteriores.gob.es + 1

Read the full guide here 👇

Health insurance for NLV visa in the Canary Islands: no copayments, full coverage, no waiting periods from day 1, and repatriation. S1 included.

11/03/2026

¿Sabías que existe un seguro para proteger tu vivienda frente a okupas? 🛑

El miedo a que alguien cambie la cerradura de tu casa es real. Y es una preocupación enorme si tienes una segunda residencia, alquilas tu propiedad o vives fuera de España.

👉 Desliza la galería para ver los detalles.

⚠️ Un error muy común que debes evitar:
Mucha gente confunde el "Impago de Alquiler" con la "Ocupación Ilegal".

• El inquilino moroso es alguien con contrato que deja de pagar.
• El okupa es un desconocido que entra a la fuerza.
Son problemas legales totalmente distintos y, por lo tanto, necesitan coberturas diferentes.

📢 La gran noticia:
Hasta ahora, protegerse contra los okupas era complejo. Pero a partir del 12 de marzo, entra en vigor en el mercado una nueva garantía específica para este problema.

¿Qué incluye exactamente esta nueva protección?
✔ Defensa jurídica: los abogados asumen toda la gestión y los gastos legales para recuperar tu vivienda lo antes posible.
✔ Pago de suministros: cobertura de los recibos de luz y agua generados por los okupas.
✔ Gastos de alojamiento: pago de hotel o alquiler temporal si no puedes acceder a tu casa.
✔ Reparación de daños: indemnización por destrozos en la vivienda y el mobiliario (disponible en modalidades ampliadas).

💡 LO MÁS IMPORTANTE:

Al ser una garantía nueva y de contratación opcional, ningún seguro de hogar la incluye por defecto. Para estar protegido, es necesario actualizar tu póliza actual añadiendo este suplemento, o incluirlo al contratar un seguro nuevo.
¿Quieres que actualicemos tu póliza para añadir esta protección y evitar sustos?

📩 Escríbenos por WhatsApp y analizamos tu caso para que duermas con total tranquilidad.

📲 Contacto en la bio

03/02/2026

🇬🇧 English Version
VV OWNERS: NEW REQUIREMENTS 2025/2026
⚡ Important update for everyone renting out property in Spain!
If you have a tourist license (Vivienda Vacacional) or rent out property short-term, the rules are changing again. Referencing legal experts, I want to warn you about the new requirements coming into force (Royal Decree 1312/2024).
🏢 What is happening?
The portal sede.registradores.org has launched a new section. Owners are now required to register their activity in the Land Registry via the digital "Depósito de Arrendamientos" section.
Why is this necessary?
1️⃣ Single Window: A step towards a unified European rental database.
2️⃣ Anti-Fraud: Platforms (Airbnb, Booking) will soon require this registration number. No number = listing deleted.
3️⃣ Taxes: Full transparency for Hacienda.
🛡 Why am I posting this as an insurance broker?
This is critical for your policy validity!
If your rental activity is deemed "illegal" due to a lack of mandatory registration, the insurance company has the right to deny a claim payout.
A "Holiday Rental" policy only works when your business is fully legal "on paper."
✅ What to do?
Contact your gestor or lawyer immediately to check if your property is listed in the new registry. Don't wait for blocks or fines!
📌 Save this post so you don't lose the link!
NIE PBFInsurance

02/02/2026

Why is it a holiday in Corralejo today?

You might have noticed the quiet streets or closed shops. Today isn't just a Monday — it’s the Feast of the Virgen de la Candelaria, a very special day for our islands.

While she is the Patron Saint of the entire Canary archipelago, today is specifically a local holiday for us in the La Oliva Municipality (including Corralejo)!

Here is why today matters:

🕯️ Our Local Guardian: The historic church in La Oliva is named after her. For locals, this is a day of deep tradition and family.
🕯️ A Symbol of Light: "Candelaria" comes from "candela" (candle). It represents light guiding us through the winter darkness.
🕯️ History: Legend says the original statue was found by two Guanche shepherds on a beach in Tenerife over 600 years ago, long before the Spanish conquest.

At PBF Seguros, we love the history of the place we call home. We wish all our neighbors and clients a peaceful and bright holiday!

🟢 Our office is closed today, but we will be back tomorrow at full speed.

👇 Spanish version in the first comment / Versión en español en el primer comentario

27/01/2026

Replacement Car: Luxury or Necessity? 🚗🔄

On the islands, spare parts can take weeks to arrive. If your car is in the shop, how do you get to work or take kids to school?
“Coche de Sustitución” (replacement car) is not always automatic — in many policies it’s an optional add-on.

ℹ️ How it usually works (varies by insurer):
This coverage typically applies under certain conditions:

• Accident: if the repair takes more than a minimum time (hours/days).
• Theft: replacement may be provided once the theft is confirmed.
• Breakdown: sometimes included, sometimes optional — often only if the car can’t be fixed the same day.

💶 Cost vs. benefit:
Car rental on the islands can be expensive, especially in high season.
Adding replacement-car cover is often relatively affordable — and can pay off quickly if your car is stuck in repair.

💡 PBF tip: Always check the limits:

• number of days (e.g., 7 / 15 / 30)
• triggers (when it starts)
• car category (sometimes a lower class)
• where/how you pick it up (availability depends on the island)

27/01/2026

Off-Road Driving & the “Vías No Aptas” Clause 🌵

Papagayo, Cofete, remote trails — island life includes dirt roads.
But many Spanish policies include a key clause: “Vías No Aptas” (Unsuitable Roads). In practice, roadside assistance can be limited when the road is not considered suitable/accessible.

What this can mean:
Standard roadside assistance is often contractually limited to paved roads (asphalt).
If you break down, get a flat tire, or get stuck on a dirt track:

• A tow truck may refuse to enter certain tracks due to access, safety, or insurer rules.

• Recovery from sand/rough terrain can be treated as a separate/private service.
Specialized off-road recovery is a private service (cost: €300–€600+).

🔎 Mini-guide: check your policy in 30 seconds

Open your policy and look for:

1.“Asistencia en viaje” / “Asistencia en carretera”

2. Words like “vías no aptas”, “caminos sin asfaltar”, “pistas”, “tierra”, “acceso no adecuado”

3. If it specifies where assistance applies (paved roads only vs. also unpaved)

✅ Pro tip (island-proof):

If you often drive to dirt-road beaches, choose a policy that explicitly includes assistance on unpaved roads—or you risk paying out of pocket when it matters.

💡 The PBF Solution:

Living in the Canaries, off-road driving is part of the lifestyle.
We specifically work with insurers that include assistance on unpaved roads.
Don’t let a flat tire ruin your beach day. Make sure your policy is “Island Proof.”