Expert insurance
insurance mediation
in Portugal.
Tailored protection for expats and international residents in Portugal — health, home, car and condominium insurance, all handled in English. Independent and ASF-registered.
Personal cover
for life in Portugal
Insurance for expats, residents, property owners and families in Portugal. We compare the market in English and explain the practical differences before you sign.
Health Insurance
Private health insurance for expats, families, retirees, visa applications and AIMA appointments, with clear guidance on networks, waiting periods and medical history.
- Hospitalisation
- Consultations and exams
- Dental and optical options
- Visa and residency proof
- Pre-existing condition review
- Family plans
Home Insurance
Building, contents and family liability cover for primary homes, apartments, rented homes, villas and second homes in Portugal.
- Mandatory fire cover
- Water damage
- Theft and burglary
- Contents protection
- Family liability
- Pools, gardens and annexes
Car Insurance
Motor insurance for new residents, imported vehicles and everyday driving in Portugal, from mandatory third-party liability to own damage cover.
- Mandatory liability
- Own damage
- Theft and fire
- Glass breakage
- Roadside assistance
- Replacement vehicle
Boat Insurance
Cover for private boats and yachts kept in Portuguese waters: hull on an agreed value, third-party liability to marina requirements, navigation limits and lay-up.
- Third-party liability
- Hull damage
- Theft and assistance
- Passenger cover
- Marina requirements
- Navigation area review
Mortgage Life Insurance
Life insurance linked to a Portuguese mortgage, with independent comparison outside the bank proposal whenever suitable.
- Death and disability
- Outstanding loan protection
- Bank policy comparison
- Insurer transfer support
- Foreign buyer guidance
- Annual premium review
Personal Accident Insurance
Financial protection after an accident, including treatment expenses, disability compensation and assistance for active families or frequent travellers.
- Accidental death
- Permanent disability
- Treatment expenses
- Daily allowance
- Repatriation
- 24h assistance
Art & Collections
Cover for fine art, antiques and collections kept in Portuguese homes or moved internationally, scheduled on an agreed value rather than left under a contents sub-limit.
- Agreed value options
- Accidental damage
- Theft and fire
- Transit cover
- Valuation support
- Worldwide extensions
Classic & Collector Cars
Cover for classic, historic and limited-use vehicles: matriculation through the IMT, agreed value on documented evidence, and rating for the mileage actually driven.
- Agreed value
- Limited mileage
- Restoration cover
- Garage requirements
- Event use
- Specialist claims handling
High-Value Cars
Cars above the range a retail motor policy will accept: all-risks own damage with no capital ceiling, individual underwriting, and the repairer named in the wording.
- All-risk options
- No capital ceiling
- Marque repair network
- Track-use exclusions review
- Multiple vehicles
- International assistance
High-Value Homes
All-risks cover for villas, apartments and homes above the retail range: buildings, contents, scheduled valuables, gardens, pools and outbuildings.
- Buildings and contents
- Jewellery and valuables
- Art and collections
- Pools and landscaped gardens
- Domestic staff liability
- No underinsurance review
Personal Cyber & Fraud
Cover for households exposed to payment diversion on a property purchase, impersonation, identity theft and extortion — including the response in the hours after it happens.
- Identity theft
- Payment diversion fraud
- Cyber extortion
- Data recovery
- Legal support
- Family device exposure
Condominium Insurance (Algarve)
Policy audits for condominium administrators and owners who need the legal minimum and the real risks properly covered.
Audit your policyLiability for Therapists
Professional liability cover for therapists and complementary-medicine practitioners — acupuncture, homeopathy, naturopathy, massage and yoga — working in Portugal.
Learn moreNot just a policy.
An intermediary who works for you.
As an independent, ASF-registered insurance intermediary we work for you, not the insurer. We compare the whole market, explain everything in plain English and stay by your side through every claim.
We work with the best
Who is by your side
Hugo Gonçalves
Hugo Gonçalves is the driving force behind Adler & Rochefort, combining extensive international experience with a unique specialisation in insurance consultancy for expats and residents in Portugal. His vision is clear: to give private clients and their families risk management that transcends the traditional policy.
With a degree in Business Management from the University of Hertfordshire and ongoing training at the Chartered Insurance Institute (CII), Hugo works from a technical grounding rather than a sales one. Nearly twenty years at the forefront of global tourism technology at companies such as Hotelbeds (HBX Group) gave him a working knowledge of how international clients hold assets across several countries, and of what that does to a policy written in one of them.
Since founding Adler & Rochefort, Hugo has been redefining the role of the insurance intermediary in Portugal. He has focused on cultivating strong partnerships with leading insurers such as Allianz, April, Hiscox and Zurich, and on giving English-speaking clients clear, independent advice. The result is access to the markets that will underwrite a risk individually, from health and home insurance to policies for private clients with assets the retail market will not take.
His working method is to read the policy before recommending it, and to say plainly where the cover stops. Each client's needs are analysed in detail, cover is built around what they actually own and where it is kept, and everything is done under ASF supervision.
Insights for expats
in Portugal
Alojamento Local insurance: what the RNAL registration actually requires
The legal obligation behind an AL registration, why a residential policy does not qualify, and what a compliant policy looks like.
Read articleThe best home insurance in Portugal in 2026: Zurich, Allianz, Hiscox and Liberty Mutual compared
A side-by-side comparison on rebuild value, valuables, letting, unoccupied property and English documentation — with a recommendation by profile.
Read articleCover for items a standard contents section will not carry
Valuables sub-limits, the single-article limit, scheduled versus unscheduled items and what changes when a collection is insured on its own terms.
Read articleHealth insurance for a Portugal residency visa
What cover your residency visa needs, what consulates and AIMA accept as proof, and how SNS access changes once you have residency.
Read article
Cyber insurance for businesses: what it covers and why it is no longer optional
A guide to cyber insurance for businesses in Portugal: what it covers, who it is for and how Hiscox CyberClear 360º works, distributed by Adler & Rochefort in partnership with Hiscox.
Read article
TVDE insurance in Portugal: complete guide for Uber, Bolt and Free Now drivers
Insurance for TVDE drivers in Portugal (Uber, Bolt): what's mandatory, what it covers and how to insure your vehicle. Independent insurance intermediary, free quote.
Read articleQuestions? We have answers.
Ready for
real protection?
Book a free analysis. Within 48 hours we identify gaps, compare alternatives and present a concrete plan — no obligation.