Find out what car insurance coverage you need in Portugal, including information about premiums, bonuses, and deductibles .
There are many things to consider if you ’ re moving to Portugal and driving a fomite – tax, adjustment, having a valid license, and, of course, indemnity. As with many other countries, it is illegal to drive an uninsured car on portuguese roads. however, you are free to choose your own insurance company and grade of policy .
This scout to cable car insurance in Portugal includes sections on :

Car insurance in Portugal

Portugal is similar to many early countries when it comes to car indemnity. In other words, it is mandate to take out a minimal coverage of third-party indemnity. On circus tent of this, you can choose to cover risks to protect yourself and your own car if you choose to.

A parked car in rural Douro Valley in Portugal
cable car indemnity in Portugal is the second largest non-life indemnity after health insurance, accounting for a 36 % market contribution. You have to insure the vehicle rather than the driver, meaning that you will have to take out extra indemnity if you drive multiple vehicles. however, others will be able to drive your car if they have a valid license .
The Insurance and Pensions Funds Supervisory Authority ( Autoridade de Supervisão de Seguros e Fundos de Pensões – ASF ) regulates car insurance in Portugal, as it does with all forms of policy .

Can you use car insurance from another country in Portugal?

You can use car insurance from early EU/EFTA countries in Portugal. In accession to this, other countries that are separate of the Green Card arrangement can use their base coverage in Portugal. Likewise, you can use portuguese car insurance abroad in EU/EFTA and other greens card countries .

Car insurance companies in Portugal

There are 76 indemnity companies in Portugal, many of them supplying car policy. The independent firms include :
You can besides shop with a act of english-speaking companies providing exile cable car insurance or brokerage services. These include :
You can compare car indemnity in Portugal using a comparison instrument such as Compare o Mercado ( in Portuguese ) .

Types of car insurance in Portugal

There are three independent types of cable car policy in Portugal. These are :

Third-party car insurance

Third-party car policy ( seguro obrigatório de responsabilidade civil automóvel ) covers damage and costs to third parties including fomite damage, wound costs, and personal place price. however, this policy will not cover any of your own costs. This is the minimum legal car indemnity necessity in Portugal and it must cover at least improving to €6 million in personal wound damages and €1.22 million in material damages. It is good suited for older or cheaper vehicles. You can typically buy excess ‘ addition ’ policy to supplement this policy and cover some of your own costs .

Third party extra insurance

Third-party extra ( seguro intermediário ) is an intermediate insurance which is basically third-party coverage plus some protection towards your own vehicle. typically, this will be for ardor wrong, storm damage, and larceny of vehicles, but policies vary between insurers therefore check beginning. Some policies besides cover legal costs in the event of a claim going to court .
As with third-party coverage, you can normally tailor this insurance with supplementary policies. It is a good policy if you have a car between 4-10 years old .

Fully comprehensive car insurance

basically, amply comprehensive examination car insurance ( seguro contra todos ) is insurance against all risks. This typically covers all costs for yourself and any third parties, even when the accident is your defect. fully comprehensive examination coverage is a good choice if you have a brand newfangled or an expensive car, although wear in thinker that premiums will be ( way ) higher .
A car crash in rural Portugal
You should besides be mindful that, although this policy is all-risk, there are exclusions. These normally include consider damage to the fomite and accidents that occur if you are in misdemeanor of portuguese driving laws, for model driving while drunkard .

Car insurance costs

The price of premiums in Portugal depends on a assortment of factors. These include :

  • Age and value of vehicle
  • Driver profile: age, driving record, claims history
  • What you will use the vehicle for, e.g. personal use or work use
  • Any other risks associated with your driving, for example where you live in Portugal.

Costs rise in accord with the level of indemnity you choose, excessively. Third-party policy premiums start at around €150 a year, third party supernumerary at around €200 a year, and fully comprehensive examination at €350 a year. however, you will credibly pay much more if you have an expensive car or a poor drive phonograph record .
portuguese car insurance policies don ’ t come with a deductible ( the measure you have to pay towards your first title ) as a standard. however, many all-risk policies include deductibles. You can besides normally negotiate your contract and reduce your premium costs if you agree to pay a deductible .
You can find cost calculators on many of the portuguese car policy websites, such as Abbeygate ’ south.

Additional forms of car insurance in Portugal

many companies offer extra supplementary policies that you can add to your standard policy for an increase premium if they are not character of your criterion coverage. These can include :

  • Breakdown (avaria) – covers costs of repairs and a replacement vehicle if you break down on a journey.
  • Windshield (para-brisa) – separate coverage for windshield and auto glass, which is sometimes excluded from standard policies.
  • Lost keys (perda dos chaves) – covers the cost of replacing lost or stolen keys, with some extended policies also covering replacement vehicle costs.
  • Travel assistance (assistência em viagem) – package often sold in Portugal that combines breakdowns, windshield damage and lost keys.
  • Severe accident (divída segura) – covers costs associated with debilitating injuries or death due to a road accident.
  • Professional driver insurance (condutor profissional) – this covers you if you use your vehicle for work or business purposes.
  • Drivers abroad (Portugueses no estrangeiro) – provides coverage for Portuguese residents if driving abroad in a country not part of the Green Card system.


Car insurance bonuses and penalties in Portugal

similar to many other countries, Portugal has a system of favorable indemnity rates to drivers who haven ’ thymine made claims through a no-claims bonus system ( Prémio Bonus Malus ). Companies frequently offer discounts that can increase per annum, up to a utmost of between 20-50 % depending on the company. however, not all insurers offer the Prémio Bonus Malus, therefore check this before committing to a policy .
You can besides normally transfer no-claims bonuses earned in other EU/EFTA countries, which is great news for careful ( and lucky ) european drivers. These bonuses are besides normally valid if you switch insurers in Portugal ; however, you will probably transfer to the fresh company rate .
Traffic in Porto
While no-claims periods can earn you generous discounts, a history of indemnity claims or a poor force record can see your premiums addition. Expect to pay higher than average rates if you :

  • have been involved in a road accident where you were at fault
  • have points on your license for violations such as speeding or driving under the influence
  • are a young or inexperienced driver


How to choose car insurance in Portugal

You should give careful retainer to a range of factors when choosing car policy, rather than just plumping for the cheapest premium. Things you might want to consider include :

  • No-claims bonus – is this offered and what kind of bonus ca you earn?
  • Policy coverage – what are the exclusions and can you add them on if you need them? At what price?
  • Level of payout – in the event of a claim, how much is the company likely to pay?
  • Company reputation – how does the company rate on review sites and what is the customer feedback like in terms of customer service and whether it delivers on promises?
  • Claims process – how easy and convenient is it? For example, can you claim online?
  • Ethics – how well does the company score in terms of ethics, sustainability and corporate social responsibility (CSR)? You can check performance ratings on sites such as CSR Hub and EcoVadis.

Applying for car insurance in Portugal

Applying for car policy in Portugal can normally be done over the telephone, on-line or in-person at a local anesthetic branch. Most large companies have quote forms that you can fill in on-line. With some, you can take the policy out on-line. Others will put you in refer with a local agent to proceed .
Each company has its own process but you will typically need to provide :

  • Valid driving license
  • Vehicle registration document, as you need to register you car in Portugal before you can insure it
  • Your NIF number
  • Portuguese address
  • Bank account details
  • Your driver profile, including claims history
  • Inspection certificate, if the vehicle is more than four years old

With most companies, you can take out an indemnity policy straight away, deoxyadenosine monophosphate soon as you make the first base requital. You should then receive :

  • your green card insurance certificate (which you should keep in the car)
  • claims forms
  • an insurance disc (which you should place in your car window)
  • an information pack with details about your policy.

How to make a car insurance claim in Portugal

Each ship’s company has its own claims serve which it should distinctly explain to you when you sign up for a policy. In general, you will need to file your claim either on-line, over the phone, or using a paper form. Claims normally need to be filed within eight days, unless there is a good reason for a check .
In the event of an accident, you will need to get the details ( name, address, car details, and policy policy number ) from any third parties involved and arrant your claim phase. This is the DAAA ( Declaração Amigável de Acidente Automóvel ) kind if the title is straightforward, or the non-friendly claim form ( Não Amigável ) if events are contested. It is besides a good estimate to photograph any damage. If the accident is good or people have been badly injured, call the emergency services. In these cases, the patrol will issue a report .
Driver sets up a warning sign after an accident in Lisbon, Portugal
Your insurance company will normally assign you a claims coach who will keep you updated on your claim. Most claims get resolved within a few weeks if they are straightforward. If there are complications and extra information is needed, they can take a little longer .

Canceling a contract or changing provider

Cancelation policies and procedures vary between indemnity companies in Portugal. Policies typically last for a year and may mechanically renew if you don ’ t cancel within the notice period. Check your abridge for details for this ( typically it ’ second between 1-3 months ) .
If you want to cancel midway through your sign, you will normally have to give a minimum notice period. Your insurance company may charge you an die fee unless you have a valid reason for canceling. acceptable reasons include if you are unhappy with the way your insurance company handles a call or if your premium increases .
With most portuguese indemnity companies, you need to cancel the policy in writing. This may be via letter, electronic mail, or on-line form, depending on the ship’s company procedures .

Making a complaint about a car insurance company in Portugal

If you want to complain about an insurance party in Portugal, you should first contact the internal complaints department of your insurance company in writing. The ship’s company should inform you of its complaints procedure when you take out your policy .
If you are dissatisfied with the result of this, or if you don ’ deoxythymidine monophosphate receive a reaction, you can take your complaint to a Customers ’ Ombudsman ( Provedor do Cliente das Empresas de Seguros ). In Portugal all insurance companies are legally required to appoint freelancer, external, Customers ’ Ombudsman. The contact details will be available in your compress and on-line. You can take your complaint to an ombudsman if you have not received a satisfactory reaction to your claim within 20 days.

The ombudsman will try to resolve your ailment within 30 days. After this period, if you are silent unhappy with the consequence, you can approach the ASF complaints military service .

Roadside assistance in Portugal

You often get breakdown aid coverage in Portugal included in your car indemnity software, particularly if you have fully comprehensive policy. Another option is to join a membership club such as the Automobile Club of Portugal ( Automóvel Club de Portugal – ACP ). This is alike to the AAA in the US, or the ANWB in the Netherlands .
ACP membership can be a little as €4 a month. Benefits include wayside aid and animate indemnity across Europe and the Mediterranean, vitamin a well as barren advice on traffic laws and a count of other perks .

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