Know more about Ocaso

Ocaso started its journey in 1920, when the Company was founded by Ramón d’Ortega y Hervella, and has since maintained its independence from banking or financial groups. Ocaso is privately owned by the founding family and has no external debt.

Always at the forefront, in 1988 Ocaso became the first Spanish insurance company authorised to operate in the direct insurance sector in the United Kingdom.

A.M. Best & Company (, has confirmed Ocaso’s financial strength with an A (Excellent) rating.

Ocaso SA UK provides residential property insurance for the UK Market with specialisms in let property, unoccupied property, and Public Sector property risks.

At Ocaso, we pride ourselves with our commitment to the broker market and the strong relationships we have with our trading partners.

Ocaso are committed to delivering quality insurance products and service levels to partners and policyholders alike.

Looking for a quotation?

Ocaso products are exclusively available via brokers, contact your local insurance broker to obtain a quotation or to find out more.

Home Insurance

  • Owner Occupied Home Insurance

    Buildings & contents insurance for the place you love most.

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    We are pleased to be able to offer you a comprehensive household policy which can be tailored to suit your requirements for buildings, contents or combined policies.

    • £50 standard excess
    • Trace and access cover up to £5,000
    • £2m Property Owners Liability
    • The buildings sum insured is index linked
    • £250 replacement locks cover
    • £1,000 theft from garages or outbuildings
    • Buildings cover available on individual flats
    Flood Re

    Our portal will return quotes for suitable cases in flood exposed areas where Flood Re is available

    This will work by returning two quotes:

    • Excluding flood cover
    • Including flood cover with the flood aspect ceded to Flood Re
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  • UK Holiday Home

    Peace of mind for your home away from home.

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    If your client owns a second home as a family retreat or a short term holiday let we can help you to keep it protected. Our UK Holiday Home product has been designed with the needs of property owner in mind.

    What type of risks can I cover?
    • Second Homes
    • Holiday Homes
    • Short term holiday let investment
    • Properties where minimum security is not in place
    • Contents cover available
    • Flexible 30-day visitation requirement
    • Buildings cover available on individual flats
    Product features
    • £250 standard excess
    • £2m Property Owners Liability
    • Up to £25,000 contents cover can be included
    • The buildings sum insured is index linked
    • Loss of rent cover included up to 20% of both Buildings and Contents sum insured
    • Buildings cover available on individual flats
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  • Unoccupied Home

    Various cover levels for your unoccupied residential property

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    Whatever the reason for your property becoming unoccupied, you will usually find that Ocaso has a suitable insurance solution. Whilst we expect you to regularly inspect the property and for it to be kept in a good state of repair, we are able to offer a range of flexible solutions to cater for the majority of needs.

    What risks are suitable?
    • Properties awaiting sale
    • Pending probate settlement
    • Properties undergoing structural renovation
    • Properties where minimum security is not in place
    • Contents cover available
    • Flexible 30-day visitation requirement
    • Buildings cover available on individual flats
    Three levels of cover to choose from
    1. Fire, lightning, explosion, earthquake and aircraft only
    2. Fire, lightning, explosion, earthquake, aircraft and subsidence
    3. Full cover including malicious damage and theft
    • These can be offered as 3, 6, 9 or 12 month policies.
    • Our interest-free direct debit option is also available.
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Property Owners Insurances

  • Residential Let

    Flexible options to protect your investment properties.

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    The Residential Let Plus policy, which is Defaqto 5-Star rated, was specifically designed to suit the typical landlord scenario, giving your client peace of mind in various situations

    Key features
    • Full perils on unoccupied properties awaiting tenants for up to 90 days
    • Wide range of works and renovation permitted
    • Flexible tenancy type, including professional, students and benefit-assisted tenants
    • £5m Property Owners Liability
    • Trace & access up to £5,000
    • MD by tenants up to £5,000 (excluding students)
    • Buildings cover available on individual flats
    Useful information
    • Residential Let PLus can cater for multiple properties on one policy
    • 5-Star Defaqto rating
    • Let Legal Protection available as an optional cover
    • Interest-free direct debit available
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  • Property Owners Portfolio

    Coming soon!

    Enjoy the convenience of a single insurance policy to cover your residential properties with the ability to add or remove properties mid-term. Our policy is designed with the property investor in mind, offering a flexible approach and wide ranging covers.

  • Commercial Property Owners

    Coming soon!


Why with us

UK Claims, Accounts, and Underwriting teams.

An “A” rated Insurer, not an MGA.

Privately owned with no external debt.

Our figures

Ocaso are dedicated to the broker market, currently working with more than 600 UK Insurance Brokers providing cover to more than 75,000 UK policyholders.

30,000 Agents

Ocaso works with numerous agents to ensure that service is always at the forefront.

Since 1920

Ocaso has been offering insurance to customers since 1920.

More than 1 bn Euros

The company has more than 11 times the MCR (Minimum capital requirement) and more than 3 times the SCR (Solvency capital requirement)

Know more about Ocaso

Find out why brokers are giving us such great feedback!

Contact us

Are you a customer?

If you're an existing customer or even a potential customer, visit our Customer page to find out more about Ocaso and how to best access our products and services.

All customer info

Public Sector Property Insurance Experts

Ocaso has specialist property insurance products for Housing Association property and Local Authority Leaseholders property.

All public sector info