Insights &mdash; Insurance in Portugal and Spain, explained

Liability insurance for massage and spa therapists in Portugal

Not a physiotherapist, not an osteopath, not one of the regulated six — what massage-therapist liability cover actually needs to reflect.

What a Total-Loss Settlement Actually Covers, and the Order It's Worked Out In

Claims

What a Total-Loss Settlement Actually Covers, and the Order It's Worked Out In

Demolition, professional fees, VAT and alternative accommodation — the nine-step order a loss adjuster actually works through after a total loss.

Setting the Rebuild Value: Getting to a Number That Holds Up

Underinsurance

Setting the Rebuild Value: Getting to a Number That Holds Up

How to reach a defensible rebuild value for a property in Portugal or Spain: cost per m² by construction type, pools and annexes, finishes, demolition and fees.

Waiver of Average: What It Is, and What It Costs to Have

Underinsurance

Waiver of Average: What It Is, and What It Costs to Have

What a waiver of average does, which property wordings in Portugal and Spain offer a form of it, and the conditions for setting the proportional rule aside.

The Seven Lei 71/2013 Therapies: the Cédula, the Cover and the €150,000 Minimum

The Seven Lei 71/2013 Therapies: the Cédula, the Cover and the €150,000 Minimum

The seven regulated therapies, the ACSS-issued cédula profissional, and the statutory minimum Portaria 200/2014 sets.

Psychologists and Nutritionists: Liability Cover Under a Different Regime

Psychologists and Nutritionists: Liability Cover Under a Different Regime

Their own regime via the Ordem dos Psicólogos Portugueses and Ordem dos Nutricionistas — explicitly not Lei 71/2013.

Liability Insurance for Retreat Organisers in Portugal

Liability Insurance for Retreat Organisers in Portugal

The four separate pieces a retreat needs: instructor liability, the Alojamento Local overlap, participant accident cover, cancellation.

Which Portuguese Professional Bodies Require Indemnity Cover

Which Portuguese Professional Bodies Require Indemnity Cover

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

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

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.

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

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.