Short answer
On 15 October 2026 the AFA (Autoritat Financera Andorrana) listed 23 active insurance companies: 11 Andorran and 12 branches of foreign insurers. Seven only sell life insurance, ten only non-life (car, home, health) and six do both. The AFA's own search tool is the place to check any company before you sign.
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Key facts
- 23 active insurance entities in the AFA register, 11 Andorran and 12 branches
- Source: AFA, register of authorised entities
- Non-life insurance for risks located in Andorra must be taken out with authorised entities
- Source: Llei 12/2017
- From 14 January 2027, insurance mediators will have to hold liability cover of 1,000,000 € per claim and 1,500,000 € a year
- Source: AFA, communiqué 1-2026/M
Why the register matters
The AFA supervises insurers in Andorra. A company outside its register cannot insure risks located here, such as your car or your flat. If something goes wrong, a supervised company also gives you somewhere to complain. Llei 12/2017 sets the information you are owed before signing (art. 46) and the routes for mediation and arbitration (art. 48).
Andorran insurers
| Code | Company | Life | Non-life |
|---|---|---|---|
| A01 | Andorra Assegurances Agrícol Reig, S.A.U. | Yes | |
| A02 | Credit Assegurances, S.A.U. | Yes | |
| A03 | CA Vida Assegurances, S.A. | Yes | |
| A05 | Assegur Diversos, S.A. | Yes | Yes |
| A06 | Mora Assegurances, S.A.U. | Yes | |
| A07 | Assegurances Ivori, S.A. | Yes | |
| A10 | Becser Assegurances, S.A. | Yes | |
| A11 | Companyia Andorrana d'Assegurances, S.A. | Yes | Yes |
| A12 | Financera d'Assegurances, S.A. | Yes | |
| A13 | Global Risc Assegurances, S.A. | Yes | Yes |
| A14 | Multisegur Assegurances, S.A. | Yes | Yes |
Branches of foreign insurers
| Code | Company | Life | Non-life |
|---|---|---|---|
| A16 | ARAG SE | Yes | |
| A17 | Atradius Crédito y Caución, S.A. de Seguros y Reaseguros | Yes | |
| A18 | AXA France IARD SA | Yes | |
| A20 | DKV Seguros y Reaseguros, S.A.E. | Yes | |
| A21 | FIATC Mutua de Seguros y Reaseguros | Yes | Yes |
| A22 | Generali IARD, S.A. | Yes | |
| A23 | Generali Vie, S.A. | Yes | |
| A24 | OCASO, S.A. Compañía de Seguros y Reaseguros | Yes | |
| A26 | Occident GCO, S.A.U. de Seguros y Reaseguros | Yes | Yes |
| A27 | Vital Seguro, S.A. | Yes | |
| A28 | Zurich Insurance Europe AG | Yes | |
| A29 | Zurich Vida Compañía de Seguros y Reaseguros, S.A. | Yes |
Register as listed by the AFA on 15 October 2026. Gaps in the numbering correspond to entities that are no longer active.
Reading the list
- For car, home or health insurance you need a non-life entity: 16 of the 23, 6 Andorran and 10 branches.
- A life-only company cannot sell you car or home cover.
- Being on the list shows that the company is authorised. It tells you nothing about price or service, and we don't rank them.
Are DKV, Vital, Occident and AXA licensed in Andorra?
People moving from Spain or France ask about these four names a lot. All four are in the AFA register as branches of foreign insurers:
- DKV: yes, as DKV Seguros y Reaseguros, S.A.E., number A20, non-life only.
- Vital: yes, as Vital Seguro, S.A., number A27, non-life only.
- Occident: yes, as Occident GCO, S.A.U. de Seguros y Reaseguros, number A26, life and non-life.
- AXA: yes, as AXA France IARD, SA, number A18, non-life only.
Check that the company named on your contract is that entity, with that number, and that its licence covers what you are buying. For a life policy, the insurer needs the life class in the register.
Checked in the AFA register of foreign insurers on 15 October 2026.
How to check a company yourself
- Open the AFA search tool.
- Type the name on your quote or policy.
- Check that it is active and authorised for the type of insurance you are buying.
If you are dealing with an agent or broker, the AFA also keeps a register of insurance mediators.
Frequently asked questions
How many insurance companies are licensed in Andorra?
23 active entities on 15 October 2026: 11 Andorran and 12 branches of foreign insurers.
Can a foreign insurer cover my car or home in Andorra?
Only if it is authorised by the AFA, as the branches on this list are.
Is AXA licensed in Andorra?
AXA France IARD SA appears in the register as a branch authorised for non-life insurance.
Which ones can sell health insurance?
Health is non-life, so look at the 16 companies marked non-life, then ask each one whether it offers health cover.
Does the list tell me which is best?
No. It only shows who is authorised. The list doesn't recommend any company, and we don't sell insurance.
Sources
How we checked this guide
We checked every figure against the official sources listed at the end and reviewed this page on 15 October 2026. Seguros Andorra is not an insurance intermediary: we explain how insurance works, we do not sell it. If something has changed, let us know. Our method is described on how we work (in Spanish).
Keep reading
- Mandatory insuranceEvery insurance that is compulsory in Andorra, with the law behind it.
- Health insuranceHow the CASS and private health insurance fit together in Andorra.
- Car insuranceCompulsory car insurance in Andorra, foreign plates and the green card.
- Moving checklistThe insurances a newcomer to Andorra needs, in the order they come up.
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