Insights — Insurance in Portugal, explained
Insights — page 11.
Golf resort properties: where the resort's insurance ends and yours begins
What the resort and association policy really covers, the gap left for your villa's interior, contents and liability, and the effect of letting.
Read articleHigh-value bicycles and e-bikes: cover away from home
How to insure expensive bicycles and e-bikes for theft, accidental damage, accessories, battery risks and liability while riding.
Read articleInsuring a home with staff quarters, guest annexes and outbuildings
Every structure on the plot has to be declared and valued: how staff quarters, annexes and outbuildings change the sum insured, the liability and the cover.
Read articleInsurance for private staff who travel with the household
A Portuguese domestic-staff policy is written for work done in Portugal. When a nanny, carer or driver travels with the family, the cover may stop at the border.
Read articleInsuring an appreciating asset: agreed value vs market value for cars, wine and art
Why agreed value can matter for classic cars, wine, art and other appreciating assets when market value is too uncertain at claim time.
Read articleKey person insurance when you still own businesses abroad
If you live in Portugal but the business you depend on is elsewhere, who holds the policy, who receives the payout and how each side is taxed decides whether the cover works.
Read articleInsurance for properties held through a company structure
When a Lda, LLC or offshore holding owns the building, the policy has to name the right entity — or a claim can fail on the mismatch.
Read articleRenovating a listed or heritage property in Portugal: insurance during and after the works
Why a home policy doesn't cover a building site, where the builder's cover ends, and the extra cost of restoring protected fabric.
Read articleTrack days and performance driving: the exclusion hiding in your motor policy
Why track days, timed events and performance driving can fall outside ordinary motor insurance, even with comprehensive cover.
Read articleWatches and jewellery worn while travelling: the worldwide all-risks extension
High-value items need cover that follows them beyond the front door, with specified values, travel conditions and documentation in place.
Read articleWhen your art collection outgrows your household policy
Where a home policy's sub-limits on art, jewellery and collections stop, why agreed value matters, and how cover follows pieces across borders.
Read articleD&O exposure for non-executive board positions held abroad
Non-executive does not mean non-liable. Why the company's D&O may not protect you, what Side A cover does, and how run-off and cross-border gaps leave directors exposed.
Read articleRather talk
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