Insights — Insurance in Portugal and Spain, explained
Insights — page 5.
Where 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 article
Insuring 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 article
Insuring 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 article
Jewellery 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 article
Cover 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 article
Cover 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 article
Lay-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 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 article
Above a certain value, a standard home policy stops working
Named perils, the proportional rule, valuables sub-limits, gardens and pools, the unoccupancy clause, and what individual underwriting involves.
Read articleWhen the insured value stops matching the thing insured
How the regra proporcional cuts settlements, why rebuild costs and collections drift apart from the schedule, and how often each class needs revaluing.
Read article
Cover for fraud, impersonation and extortion against a household
Payment diversion on a property purchase, unauthorised against authorised-but-deceived transfers, extortion conditions and the hours after it happens.
Read article
Who pays for the dispute: personal legal expenses cover
What it funds by category, why it matters more to a foreign owner, prospects-of-success and notification conditions, and bundled against standalone.
Read articleRather talk
it through
An ASF-registered insurance broker reviews your situation, compares the market and replies within one working day. No obligation, in English.