Insights &mdash; Insurance in Portugal, explained

Which Portuguese Professional Bodies Require Indemnity Cover

A reference table: legally compulsory versus contractually expected, for the regimes this site covers in depth.

Claims

When you disagree with the insurer's figure, not just the value you declared

The written challenge, the perito de parte arbitration clause, and where CIMPAS, the Livro de Reclamações and the ASF actually fit.

Underinsurance

Insuring to the bank's figure is not the same as insuring to rebuild cost

Why a lender's minimum insurance requirement and actual rebuild cost are different numbers, and why the gap tends to widen as the mortgage is paid down.

Health Insurance

MGEN: membership-based health cover without a medical questionnaire

No medical questionnaire, no conventional age cut-off, and the 365-day waiting period that is the honest trade-off — acceptance versus price, not a premium comparison.

Health insurance

Private Health Insurance in Spain: A Guide for Expats

How private health insurance fits alongside Spain’s public healthcare system, what it typically covers, and the practical questions to ask before you buy — written for expats and international residents.

Moving to Spain

Health Insurance When Moving to Spain: What International Residents Should Check

What to sort out on the health insurance side before and after moving to Spain — timing, documentation, family considerations, and the questions worth asking before you choose cover.

Visa & residency

Health Insurance for Spanish Visas and Residency: What to Check Before You Apply

What to verify about health insurance requirements before a Spanish visa or residence application — and why "visa insurance" on a product page is not the same as confirmation from the authority handling your case.

Property

Community Insurance and Apartment Ownership in Spain: What Owners Need to Know

How a comunidad de propietarios building policy interacts with your own apartment cover in Spain, and what actually stays your responsibility to insure.

Non-resident

Property Insurance in Spain for Non-Resident Owners

Owning property in Spain without living there is common and normally insurable. What an insurer actually needs to know, and the details that most affect the outcome.

Second home

Second Home Insurance in Spain: What to Check Before You Buy Cover

A second home in Spain is used differently to a permanent residence, and the insurance needs to reflect that. What to check before buying cover for a holiday home.

Renting out

Renting Out Property in Spain: Why Your Home Policy May Not Cover It

The moment you let a Spanish property to paying guests or tenants, standard home insurance is usually the wrong contract. What changes, and what to check.

Car insurance

Car Insurance in Spain for Expats: Complete Guide

A complete guide to car insurance in Spain for expats and international residents: the legal baseline, cover types, foreign licences, foreign vehicles, documents and how to get a quote.