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Santa Lucia, S.A: cancelling, claims and complaints

SANTA LUCIA, S.A. COMPAÑIA DE SEGUROS Y REASEGUROS has its head office in Madrid, Spain. The Spanish insurance supervisor DGSFP lists it under code C0174. This page explains where your cancellation goes, the notice period under Spanish law, how to report a claim and whom to contact with a complaint.

How to cancel with Santa Lucia, S.A

Send the cancellation to the address on your policy. If none is given, the head office is right:

SANTA LUCIA, S.A. COMPAÑIA DE SEGUROS Y REASEGUROS
Plaza de España, 15
28008 Madrid
Spain

Spanish policies usually renew for one year at a time. To stop the renewal you must tell the insurer in writing at least one month before the current period ends; the insurer needs two months (article 22 of the Spanish Insurance Contract Act, Ley 50/1980).

Give your policy number, your name and the date, and ask for confirmation of receipt.

Reporting a claim to Santa Lucia, S.A

  1. Spanish law requires you to report the loss within seven days of learning about it, unless the policy allows longer (article 16, Ley 50/1980).
  2. You must do what you can to limit the consequences (article 17, Ley 50/1980).
  3. Collect photos, receipts and names of witnesses; for theft you also need a police report (denuncia).
  4. Keep your policy number at hand.

Phone and website from the register; your policy takes precedence.

Complaints about Santa Lucia, S.A

Each year the Spanish supervisor DGSFP publishes which insurers drew the most complaints to its complaints service. Santa Lucia, S.A appears in these tables of the 2024 report:

  • Most complaints: rank 8 of 25, 354 complaints (334 the year before)
  • Highest rate per premium: rank 22 of 25
  • Largest premium volume: rank 5 of 25
  • Highest rate per policy: rank 20 of 25
  • Cases decided: 244, of which 86 in favour of the customer, including cases where the insurer gave in
  • Complaints to the insurer's own customer service compared: rank 22 of 25

Rank 1 means the most complaints or the highest rate. The DGSFP does not rate insurer quality with this list; large insurers have more customers and therefore more complaints.

Where to complain

In Spain every insurer must run its own complaints service (Servicio de Atención al Cliente). If it does not answer or the answer does not satisfy you, you can turn to the complaints service of the supervisor DGSFP (Orden ECC/2502/2012).

Customer complaints service (register)

Plaza de España, 15, 28008 Madrid
915419387
atencion@santalucia.es

Premiums in the official statistics

According to the DGSFP annual statistics for 2024: non-life premiums 1,449.6 million euros, market share 2.77 per cent; life 401.7 million euros, market share 1.36 per cent.

What Santa Lucia, S.A is licensed to insure

According to the register the company is licensed for 10 classes:

  • 00 Life
  • 01 Accident
  • 02 Sickness
  • 08 Fire and natural forces
  • 09 Other damage to property
  • 13 General liability
  • 16 Miscellaneous financial loss
  • 17 Legal expenses
  • 18 Assistance
  • 19 Funeral expenses

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Questions

Where do I send a cancellation to Santa Lucia, S.A?

To the address on your policy, otherwise to the head office: SANTA LUCIA, S.A. COMPAÑIA DE SEGUROS Y REASEGUROS, Plaza de España, 15, 28008 Madrid.

How much notice do I need to give?

At least one month before the current period ends, in writing (article 22, Ley 50/1980).

Who supervises Santa Lucia, S.A?

The Spanish insurance supervisor DGSFP (Dirección General de Seguros y Fondos de Pensiones).

Sources

Updated: 16 October 2026 · Insurers in Spain · Insurers in Germany