Where can I check what my insurance policy includes? Complete guide 2026
Understanding what you have arranged
The question people ask most often is not “what insurance do I need?”, but “what exactly do I already have in the policy I am paying for?”. Most people do not know for sure.
This is not a lack of interest; the sector does not always make documents easy to read. A 20-page document full of technical terms does not invite closer study.
This article explains where the information is, what it is called and what each part means, so there are no surprises when you genuinely need to use the insurance.
The key documents: specific versus general conditions
Every policy has two main sections that you should be able to tell apart:
• Specific Conditions: your personalised document. It contains your name, policy number, the exact cover you chose, the price and the beneficiaries.
• General Conditions: the rules shared by all customers of the same product. They explain how the insurance works in general and the standard exclusions.
Important: if the two conflict, in Spain the specific conditions prevail. What you signed specifically for yourself is what governs.
Where can you find your policy right now?
1. Online customer area or app: the quickest route. You log in with your NIF and can download the PDFs immediately.
2. Insurance email: search your inbox for words such as “policy”, “certificate” or the insurer’s name.
3. Public Register (MJUS): for life insurance held by deceased people, you can use the Ministry of Justice register to find which company provided the cover.
4. FIVA: for vehicle insurance, the Insured Vehicles Information File can confirm whether cover is in force using the registration number.
Warning signs when reviewing your insurance
• The capital is out of date: what you arranged 10 years ago may be insufficient today if your mortgage or family has grown.
• The beneficiaries are outdated: after a divorce or family changes, the money could end up with the wrong people.
• You have duplicate cover: it is common to pay for travel assistance in three different policies without knowing it—home, health and credit card.
• Unnoticed exclusions: identify what your policy does NOT cover before it happens, so you can decide whether to accept the risk or extend the insurance.
Frequently asked questions
We answer your questions on this topic
The Specific Conditions. They are tailored to you and your particular needs.
Yes. You can review bank statements for payments or use official registers such as FIVA for cars or the Life Insurance Register.
It is a situation that the policy explicitly says it does not cover. Knowing exclusions is the only way to avoid surprises when there is a claim.
Ideally once a year, around renewal, to check that the price and cover are still appropriate.
Yes. In most life and disability policies you can change them at any time by notifying the insurer in writing.
It is usually due to indexation or age-adjustment clauses for the insured person included in your contract’s general conditions.
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