Insights — Insurance in Portugal and Spain, explained
This is where Adler & Rochefort writes up what we learn from the policies that cross our desk. The audience is the one we actually serve in English: people who have moved to Portugal, or own property here, and are trying to work out how Portuguese insurance behaves when it is tested — what the law requires, what the standard wording quietly excludes, and where an internationally-minded household or business is exposed by a policy written for a domestic one.
The subjects follow that reality rather than mirroring our Portuguese section: health cover and residency requirements, homes on the Algarve coast and in Lisbon, holiday lets and Alojamento Local, valuables and collections, boats, cross-border company structures and professional liability. We name the applicable Portuguese legislation where it matters and we do not publish price rankings. If something here raises a question about your own policy, ask us — we are an insurance broker registered with the ASF under n.º 425591790/3 and the review costs nothing.
Allianz Care vs Cigna Global: international health insurance for families in Portugal and Spain
Two of the international health plans families in Portugal and Spain ask us about most, set side by side: how each is built, what it covers and who each one suits.
Read articleClassic and high-value car insurance in Spain: historic status, agreed value and collections
Spain rewrote its historic vehicle rules in 2024. What that means for a classic, how agreed value works, and what a collection or a supercar in Marbella actually needs.
Read articleArt and jewellery cover beyond the agreed value: underinsurance, defective title, commissions and loans
Agreed value settles the obvious question. These are the less obvious ones a collector meets: a market that moved, a disputed title, a commission in progress, a loan to a museum.
Read articleWhat you must tell the insurer: the obligations behind a high-value home policy
The best wording in the market can still fail on a claim if something was not declared. A practical list of what to tell the insurer, when, and what to do after a loss.
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D&O insurance for holding companies and family offices
Owners who also manage, relatives as shareholders, money moving between entities: why D&O for a family holding is different, and how to structure it.
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One programme for several homes, a yacht and a collection
A house in Lisbon, a villa in Mallorca, a yacht and a collection that travels between them: how a coordinated programme replaces five unrelated policies.
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Crime, payment fraud and cyber cover for a family office
A family office moves large sums on the instruction of a few trusted people. Why that makes it a target, and how crime and cyber cover respond.
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Kidnap and ransom cover in a family office programme
K&R is the policy a family hopes never to use. How a family office decides who it covers, who knows about it, and how it fits the rest of the programme.
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Portugal, a surf nation — and the second homes it attracts
From the giant waves of Nazaré to the reefs of Ericeira and the two coasts of Sagres: why Portugal became a surf nation, the second homes it attracts, and what protecting one involves.
Read articleSurfing Ericeira — and owning a home at Europe’s first World Surfing Reserve
Seven world-class waves in four kilometres, forty-five minutes from Lisbon. The surf, the town, the homes Lisbon families and international buyers choose, and how to protect them.
Read articleSurfing Nazaré — big waves, the canyon and a home on the Silver Coast
How a submarine canyon made a fishing town the capital of big-wave surfing, where residents surf on ordinary days, the homes on the Silver Coast, and the insurance points specific to Nazaré.
Read articleSurfing Sagres — two coasts at the end of Europe, and a home on the cliffs
West coast or south coast: why Sagres is surfable almost every day, the waves and the way of life at the end of Europe, the homes the natural park allows, and how to protect them.
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it through
An ASF-registered insurance broker reviews your situation, compares the market and replies within one working day. No obligation, in English.