When you’re moving to Andorra, there’s more to consider than just taxes and scenery. You also need to understand the country’s legal requirements, especially regarding compulsory insurance.
Andorra has a structured system that protects residents and the state. Whether you’re driving, working, or living, certain types of insurance are not optional.
In this article, we explain which types of insurance are mandatory, how they work, and what you must do to stay compliant from day one.
Health coverage requirements
Health insurance for employed residents
If you’re employed, you must contribute to the Caixa Andorrana de Seguretat Social (CASS). This covers your basic health insurance.
- CASS provides coverage for medical visits, surgeries, and part of prescription costs.
- You contribute automatically through your salary.
- Your employer also contributes a percentage on your behalf.
Once you are registered, you gain access to public healthcare services in Andorra.
Health insurance for self-employed professionals
If you are self-employed, you must register with CASS and pay monthly contributions. These are based on your declared income level.
This ensures you are covered by the public health insurance system, just like employed residents.
Health insurance for passive residents
If you move to Andorra under a passive residence scheme, CASS does not cover you. You must obtain private health insurance.
- Your policy must cover you in Andorra and across Europe.
- Authorities require proof of coverage during the residency application.
- Coverage must include hospitalization and emergency care.
Without valid health insurance, you cannot secure legal residency as a passive resident.
Car and vehicle coverage
Car insurance is mandatory
If you plan to drive in Andorra, you must have valid car insurance. The law requires civil liability coverage at a minimum.
- This covers damages caused to others in an accident.
- Additional coverage for your own vehicle is optional but recommended.
- Driving without car insurance can result in serious fines and legal issues.
You must also register your vehicle in Andorra within a set period after arrival.
Importing a foreign car
If you’re bringing your own vehicle when moving to Andorra, be aware of the import process:
- All imported cars must pass an inspection and comply with local safety standards.
- You must insure your vehicle with a local or accepted international provider.
- Temporary insurance may be valid, but only for a limited time.
Once your car is registered, local car insurance becomes mandatory.
Property and liability protection
Personal liability insurance
Liability insurance protects you if someone is injured or suffers property damage due to your actions.
While not always legally required, liability insurance is highly recommended. It is often included in home or tenant insurance policies.
- It may be required for some visas or residence applications.
- Many landlords request it before signing a rental agreement.
- It adds legal and financial protection in case of unexpected incidents.
Having liability insurance provides peace of mind for new residents.
Home and tenant insurance
Homeowners are not legally obligated to insure their property. However, mortgage lenders may require property insurance for financing.
If you are renting, landlords may expect tenants to hold home insurance. These policies typically include liability insurance.
- Insurance can cover fire, water damage, and theft.
- Policies vary depending on the property and insurer.
- Coverage can be tailored to your personal needs.
When moving to Andorra, it’s wise to secure proper protection for your residence and belongings.
Business insurance obligations
Self-employed and business owners
If you plan to operate a business, you must meet specific insurance requirements, including:
- Registration with CASS and payment of contributions
- Coverage for workplace risks and occupational accidents
- In some cases, professional liability insurance
Certain sectors, such as finance or healthcare, may have stricter requirements. Consulting a local expert ensures full compliance.
Professional liability insurance
Professionals offering services to clients, such as consultants or developers, may require professional liability insurance.
- This covers claims resulting from negligence or errors in your services.
- It is often mandatory in regulated sectors.
- Even if not required, it builds trust and protects your business.
If you’re moving to Andorra to work independently, check whether your profession has specific insurance obligations.
Optional but useful insurance
Travel insurance
While not compulsory, travel insurance can be useful, especially before your CASS or private policy becomes active.
- Covers medical emergencies during your initial stay
- Can be arranged for short-term visitors or during visa processing
- Some residency applicants use this while waiting for long-term coverage
Life and income protection
Expat professionals often consider life insurance and income protection insurance. These policies are not required but offer financial stability.
- Supports family or dependents in the event of disability or death
- Can be integrated into tax planning strategies
- Often available through international providers
MCA Assessors can help you assess whether these options are suitable for your situation.
Key takeaways
- Health insurance is required for all residents, whether public through CASS or private for passive residents
- Car insurance is mandatory for any vehicle on Andorran roads
- Liability insurance is recommended and often expected in rental or professional contexts
- Business owners and freelancers must meet specific insurance regulations depending on their field
Not having the required insurance can delay or block your residency application.
If you’re moving to Andorra, understanding compulsory insurance requirements is essential. From health insurance to car insurance and liability insurance, these protections are part of integrating into life in the principality.
Each case is different, and the right coverage depends on your lifestyle and residency type. Ensuring compliance from the start will save time, stress, and money.
At MCA Assessors, we help new residents understand their obligations and make the transition as smooth as possible.
