Insights — Insurance in Portugal, explained
Insights — page 2.
Home insurance in Tavira and the eastern Algarve
Tidal water from the Ria Formosa, traditional construction in the old town, renovation projects and the corrosion exclusion.
Read articleWhen there is no off-the-shelf policy: how a specialist risk is placed
Intermediary, underwriting agency and insurer capacity; what delegated authority and a coverholder actually are; what you must supply, and realistic timescales.
Read articleBringing a boat to Portugal: flag, registration and the delivery passage
Flag and registration, VAT status and temporary admission, insuring a delivery passage or a road move, and the file to keep aboard.
Read articleWhere the condominium policy ends and yours begins
What the building policy covers, the fit-out gap, water damage between three parties, unoccupancy and letting, and the four layers of cover.
Read articleInsuring a collection that has no catalogue price
Blanket cover against scheduled items, the pair-or-set clause, condition and restoration cost, and valuing objects with no comparables.
Read articleInsuring art in Portugal: agreed value, restoration and loss in value
Why a painting is not contents: agreed value against a valuation, cover for damage in transit and on loan, and what a policy pays after a restoration.
Read articleJewellery and watches: worn, travelled and left in a safe
Where the household policy stops, what a safe rating actually buys, and how cover follows a watch out of the house and abroad.
Read articleCover for an instrument that travels and is played
Why the household policy fails an instrument, agreed value, air carriage and unattended vehicles, professional use, climate and loans.
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 articleLay-up, lifting and the boat out of the water
What a lay-up period is and the breach owners commit without noticing, cover while craning, yard liability, and ashore against afloat.
Read articleLiberty Mutual home insurance in Portugal: the specialist route
Not the former Liberty Seguros retail brand. Where a specialist market answers properties the retail insurers decline.
Read article
Insuring a car that is worth more than the market says it is
Capital ceilings, settlement by table value and network repairs — and what an individually underwritten all-risks policy does instead.
Read articleRather talk
it through
An ASF-registered insurance intermediary reviews your situation, compares the market and replies within one working day. No obligation, in English.