Liberty Seguros

What Liberty Seguros does

Regal is a direct-to-consumer insurance brand operating in Spain under the legal entity GENERALI España de Seguros y Reaseguros, S.A. (NIF A48037642), a subsidiary of the multinational Generali Group. The company sells personal lines insurance—auto, motorcycle, home, and life—plus specialty products including pet, accident, commercial, and boat coverages, primarily to individual consumers and small businesses. It is positioned among the top ten insurers in Spain and claims a customer base of roughly two million, supported by approximately 473 employees and headquarters in Madrid (Plaza de Manuel Gómez-Moreno 5, 28020 Madrid).

The core operating model is digital-first and direct, with no broker or intermediary channel. Distribution is built around (i) online quote calculators that produce pricing in roughly two minutes for auto, motorcycle, and home lines, (ii) a dedicated phone sales operation with product-specific numbers, and (iii) a 24/7 self-service customer portal ("Oficina de Clientes") for policy administration, claim filing, and claim tracking. The product architecture is modular: policies are constructed from a base liability block (e.g., Terceros auto from €189/year, Terceros Ampliado from €201/year) with optional add-ons for windshield, fire, theft, total loss, and own damages (Todo Riesgo auto from €291/year; motorcycle from €85/year; life from €60/month with €6,000–€100,000 capital). Pricing is personalized by driver and property profile, billed predominantly on annual subscription cadence, and supported by loyalty bonuses of up to 65%.

Underwriting and balance-sheet risk sit with Generali España, while Regal functions as the direct digital brand. Supporting integrations include Carglass for glass repair routing and an OpenStreetMap-based workshop locator. The brand is currently navigating a merger process within the Generali Group structure (referenced in accessibility disclosures) and is adapting its operations to the European Accessibility Act (Ley 11/2023) and WCAG 2.1 AA. Marketing is omnichannel—website, X/Twitter, Facebook, YouTube—and includes a referral program paying €30 Amazon gift cards to both referrer and referee for motorcycle policies.

Name

Liberty Seguros

Legal name

GENERALI España de Seguros y Reaseguros, S.A.

Website

https://regal.es

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

251–500 employees

Short description

Regal is a direct-to-consumer insurance brand in Spain, operating under Generali España (part of Generali Group), offering modular auto, motorcycle, home, and life insurance to individual consumers via digital quote tools, phone sales, and a self-service portal.

Ownership category

akta.pro rank

Product category

Personal Insurance

NAICS

Insurance Carriers and Related Activities (524), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Direct Life, Health, and Medical Insurance Carriers (52411), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331), Life Insurance (6311)

akta.pro primary industry

General Liability Insurance (FSAJAMAE)

Keywords

• Personal insurance products
• Auto insurance coverage
• Home insurance protection
• Life insurance policies
• Motorcycle insurance plans

Headquarters

HQ city

Madrid

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Insurance Premiums: Regal generates revenue through annual insurance premiums paid by customers for car, motorcycle, home, and life insurance coverage. Policies are priced based on individual driver profiles and coverage needs with modular options.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Liberty Seguros operates as a direct-to-consumer personal insurance provider in Spain under the Regal brand, selling car, motorcycle, home, and life insurance products with modular, customizable coverage tiers. Policies are underwritten by Generali España de Seguros y Reaseguros, S.A. and distributed via telephone sales, an online quote calculator, and a 24/7 customer self-service portal. The company also offers specialty lines including pet, personal accident, commercial, and boat insurance, with personalized pricing based on driver and property profiles.

Product overview

Regal (Liberty Seguros) operates as a digital-first insurance provider offering a modular product portfolio across four core insurance lines: auto (car and motorcycle), home, and life insurance, supplemented by specialty products including pet, accident, commercial, and boat insurance. The flagship auto product allows customers to build customized policies using modular coverage blocks—starting with third-party liability as the base and layering on optional protections for windshield, fire, theft, total loss, own damages, and enhanced driver benefits. The customer-facing digital ecosystem includes an online pricing calculator, a self-service customer portal (Oficina de Clientes) for claims management and policy administration, and a coverage comparison tool. All products are underwritten by Generali España, with Regal operating as the direct-sales digital brand.

Differentiator

Problem solved

Functional benefit

Products and services

• Car Insurance (Seguro de Coche) Car insurance for individual vehicle owners providing modular coverage options including third-party liability, extended third-party protections, and full-coverage plans covering windshield, fire, theft, total loss, own damage, and enhanced driver accident benefits. Sold directly to consumers via phone, online, and customer portal.
• Motorcycle Insurance (Seguro de Moto) Motorcycle insurance for individual riders with multiple coverage tiers including third-party simple, extended third-party, third-party with total loss, collision damage, and own damage plans. Pricing adapted to driver profile and motorcycle type.
• Home Insurance (Seguro de Hogar) Home insurance for individual homeowners and renters covering dwelling, contents, theft, fire, water damage, electrical damage, glass breakage, and providing 24/7 home assistance with handyman services.
• Life Insurance (Seguro de Vida) Life insurance for individuals aged 18-64 providing death benefit (€6,000 to €100,000), absolute/permanent disability advance, international second medical opinion, and a wellness program with discounted health services. Coverage continues until age 80.
• Pet Insurance (Seguro de Mascotas) Pet insurance for individual pet owners covering veterinary expenses, civil liability coverage for pets, and 24/7 support for pet-related queries.
• Personal Accident Insurance (Seguro de Accidentes) Personal accident insurance for individuals providing coverage for injuries and related medical expenses.
• Commercial Insurance (Seguro de Comercios) Commercial insurance for retail shops and small businesses covering property, civil liability, and business interruption.
• Boat Insurance (Seguro de Embarcaciones) Boat and watercraft insurance for individual owners covering vessels against damage, theft, and liability.

Named customers1 record

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature2 records

Partnerships

Two partnerships are on record, tiered core and flagship.

• CarglasscoreChannel Partner/ Reseller/ DistributorCarglass provides glass repair and replacement services for Regal auto insurance customers. Customers can book Carglass appointments online through Regal's website for windshield and glass damage claims. This partnership ensures quality glass repair services for the motor insurance product.
• Generali GroupflagshipStrategic or Co-development PartnerRegal is a brand of Generali España de Seguros y Reaseguros, S.A., part of the Generali Group, a multinational insurance group present in more than 60 countries with over 450 companies and nearly 80,000 employees. Generali has more than 200 years of history, providing the brand strength and backing for Regal insurance products.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• SegurCaixa Adeslas: Major Spanish insurer (linked to CaixaBank) covering auto, home, health, and life, primarily via bancassurance; competes with Regal in overlapping personal-lines categories.
• Mapfre: Spain's largest insurer and the parent of Verti; competes with Regal across auto, home, and life and shares the same Spanish personal-lines market dynamics.
• Mutua Madrileña: One of Spain's largest insurers with broad auto, home, and life coverage distributed through agents and direct channels; competes head-to-head with Regal in personal lines while operating at much greater scale.
• Allianz Seguros Spain: Spanish arm of Allianz offering personal and commercial lines via agents, brokers, and direct channels; comparable scale, product breadth, and parent-group structure to Generali/Regal.
• Zurich Insurance Spain: Global insurer's Spanish subsidiary offering auto, home, and life through agents and direct channels, providing a comparable multi-line competitor benchmark for Regal in the Spanish market.

Direct peers

• Verti Seguros: Mapfre's digital-first direct insurance brand in Spain, offering auto, moto, and home via online quote tools and self-service portals—directly comparable to Regal's modular product and channel strategy.
• Santalucía: Spanish insurer specializing in home, auto, life, and funeral insurance with significant direct-distribution presence; directly comparable to Regal in personal-lines focus and channel mix.
• Linea Directa Aseguradora: Spanish direct-to-consumer auto and home insurer selling via phone and online, structurally identical to Regal's auto-led D2C model and a benchmark for direct distribution economics in Spain.

Regional players

• Helvetia Seguros Spain: Spanish subsidiary of Swiss Helvetia offering personal and commercial lines including auto and home; comparable mid-sized multi-line competitor in the same Spanish market as Regal.

Others

• Generali Italia / Generali Group: The ultimate parent of Regal via Generali España; comparable as a peer for capital strength, product breadth, and group-level insurance capabilities that back Regal's offerings.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/regalseguros
• YouTubeyoutube.com/user/SegurosRegal
• Facebookfacebook.com/SegurosRegal

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Liberty Seguros