Insurer profile
Occident GCO, S.A.U. de Seguros y Reaseguros (formerly Seguros Catalana Occidente, S.A. de Seguros y Reaseguros)
Occident (formerly Catalana Occidente) is one of Spain's leading insurance groups, part of Grupo Catalana Occidente (GCO). Since January 2024, the traditional business brands Seguros Catalana Occidente, Plus Ultra Seguros, Seguros Bilbao, and (from 2025) NorteHispana Seguros were unified under the Occident brand, offering general, health, life, savings, and investment insurance to over 4.7 million customers through more than 1,200 offices and 13,000 mediators.
Source- Legal entity
- Occident GCO, S.A.U. de Seguros y Reaseguros (formerly Seguros Catalana Occidente, S.A. de Seguros y Reaseguros)
- Headquarters
- Madrid, Spain
- Parent group
- Grupo Catalana Occidente S.A. (GCO)
- Regulator
- Directorate General of Insurance and Pension Funds (DGSFP) — Dirección General de Seguros y Fondos de Pensiones
- Phone
- +34 917 83 83 83
- internet@occident.com
- Founded
- 1864
- Last verified
- May 14, 2026
Products from Occident GCO, S.A.U. de Seguros y Reaseguros (formerly Seguros Catalana Occidente, S.A. de Seguros y Reaseguros)
motor
Third-Party Car Insurance (Basic)
Basic mandatory third-party civil liability car insurance covering damages caused to others, plus legal defence and claims recovery.
motor
Third-Party Extended Car Insurance
Extended third-party car insurance adding fire, theft, windscreen breakage, and roadside assistance on top of the basic third-party coverage.
motor
Comprehensive Car Insurance (with excess)
Comprehensive car insurance with a deductible, covering own vehicle damage, theft, fire and more at a lower premium.
motor
Comprehensive Car Insurance (no excess / Todo Riesgo Premium)
The most complete car insurance with no deductible, covering all possible damages including extended theft and fire protection and driving licence withdrawal coverage.
motor
Motorcycle Insurance
Insurance for motorcycles covering civil liability, roadside assistance, and optional comprehensive coverage.
motor
Electric Scooter / Personal Mobility Vehicle Insurance
Insurance for electric scooters and personal mobility vehicles covering third-party liability, healthcare assistance, and legal protection, compliant with Ley 5/2025.
motor
Van Insurance
Insurance for vans and light commercial vehicles covering civil liability and optional comprehensive coverage.
motor
Boat Insurance
Insurance for leisure boats and vessels covering civil liability, theft, and hull damage.
property
Home Insurance (Familia-Hogar)
Fully customisable multi-risk home insurance covering fire, water damage, theft, civil liability, pet coverage, IT assistance, and home repairs.
property
Premium Home Insurance (Hogar Exclusivo)
High-value home insurance for premium properties, extending standard cover with garden furniture damage, graffiti cleaning, heat accidents, all-risk technology and more.
property
Landlord Home Insurance (Hogar Arrendador / Impago de Alquiler)
Insurance for landlords covering intentional tenant damage and unpaid rent, as well as standard property damage.
property
Tourist/Holiday Home Insurance
Home insurance tailored for tourist and holiday rental properties, including protection against theft and vandalism.
property
Caravan Insurance
Insurance for static caravans protecting them during leisure use and off-season storage.
property
Home-Based Professional / Self-Employed Home Insurance
Home insurance designed for self-employed individuals who work from home, covering both residential and professional equipment.
property
Community (Homeowners Association) Insurance
Multi-risk insurance for residential communities and homeowners associations covering common property, civil liability, and legal protection.
property
SME / Small Business Insurance (Pyme)
Comprehensive multi-risk insurance for small and medium-sized businesses covering property damage, civil liability, business interruption, and legal defence.
property
Commerce / Retail Shop Insurance
Insurance for commercial premises, shops, bars and service businesses covering fire, water damage, theft, civil liability and 24-hour assistance.
property
Large Commercial Premises Insurance
Multi-risk insurance for large commercial premises and chain stores covering content, structure, liability and business interruption.
property
Industrial Multi-Risk Insurance
Comprehensive property and liability insurance for industrial companies covering fire, extended risks, water damage, theft, and third-party liability.
health
Healthcare Insurance (Asistencia Sanitaria)
Private health insurance with access to a medical panel of over 50,000 professionals, flexible co-payment options, specialist reimbursement for paediatrician and gynaecologist.
health
Reimbursement Health Insurance
Health insurance covering 80–100% of medical expenses for any chosen doctor or specialist, valid both in Spain and abroad.
health
Wellness Health Insurance (Bienestar)
Health insurance without waiting periods combining medical panel access, specialist consultations, home care reimbursement, and 24-hour video consultations.
health
Senior Wellness Insurance (Bienestar Sénior)
Health insurance tailored for policyholders aged 60 and over, launched as 'Senior Life', providing adapted medical and wellness cover.
health
Hospitalisation Subsidy Insurance
Health insurance providing a daily cash indemnity for each day of hospitalisation regardless of the cause.
life
Renewable Term Life Insurance
Term life insurance with annually renewable premiums and capital, providing financial protection for family in case of death or permanent disability, including a critical illness advance payment.
life
Fixed-Term Life Insurance
Term life insurance with fixed premiums and capital throughout the policy term, offering stable protection for family in case of death or permanent disability.
life
Mortgage/Loan Amortisation Life Insurance
Life insurance designed to cancel outstanding mortgage or loan balances in the event of the policyholder's death or permanent disability.
life
Funeral / Death Expenses Insurance (Decesos)
Funeral expenses insurance covering the full cost of funeral services and repatriation, with single-premium and standard options available.
life
Individual Accident Insurance
Personal accident insurance covering death and permanent disability resulting from accidental causes.
life
Group / Collective Accident Insurance (Sports, Family, Professional, Travel)
Group accident insurance for sports, educational, cultural, leisure, family, professional or travel groups covering death and disability from accidents.
financial
Savings Insurance / Capital Savings
Savings insurance products combining life protection with long-term capital accumulation and guaranteed annual interest (e.g. 2.9% in the latest issue).
financial
Pension Plans (Individual and for the Self-Employed)
Individual and self-employed pension plans for long-term retirement savings with tax advantages.
financial
Investment Funds
Investment fund products for wealth management and capital growth.
travel
Travel Insurance
Travel insurance covering medical assistance, repatriation, and travel-related incidents for trips within Spain and abroad.
liability
Family Civil Liability Insurance
Civil liability insurance for families covering accidental personal injury or property damage caused to third parties in daily life.
liability
Hunting and Fishing Liability Insurance
Civil liability insurance for hunters and fishermen covering damages caused to third parties during hunting or fishing activities.
liability
Professional Civil Liability Insurance
Professional indemnity insurance covering damages or financial losses caused to third parties in the course of professional activities.
liability
Construction Civil Liability Insurance
Civil liability insurance for construction companies and contractors covering damages to third parties during construction activities.
liability
Environmental Liability Insurance
Environmental liability insurance covering costs and damages arising from pollution or environmental incidents caused by business operations.
liability
Real Estate / Property Owners Liability Insurance
Civil liability insurance for property owners covering damages caused to third parties arising from ownership or management of real estate.
other
Legal Protection Insurance (Family, Community, Drivers)
Legal protection insurance for families, homeowners associations, and drivers, including driving licence withdrawal defence.
pet
Pet Insurance
Comprehensive veterinary insurance for pets including civil liability, access to a veterinary directory, and own network of pet care facilities.
Regulatory updates
Occident GCO S.A.U. de Seguros y Reaseguros (DGSFP code C0468) resulted from the merger of Seguros Catalana Occidente, Plus Ultra Seguros, and Seguros Bilbao effective January 2024, with NorteHispana Seguros joining in January 2025. The DGSFP authorized the asset and liability transfer from Aseq Vida y Accidentes to Catalana Occidente (BOE, August 2019). The DGSFP also previously authorized Seguros Catalana Occidente to operate in the railway vehicle insurance line. AM Best affirmed Occident's Financial Strength Rating of A (Excellent) and Long-Term Issuer Credit Rating of 'a+' (Excellent) with stable outlook in July 2025. Following a voluntary takeover bid by Inoc S.A., GCO shares were delisted from the Spanish stock exchanges as of 5 January 2026.