Insights — Insurance in Portugal, explained
Insights — page 6.
Insuring a boat kept in Portuguese waters
Hull on an agreed value and liability to marina requirements, navigation limits, skipper and crew, lay-up periods and what registration changes.
Read articleYour bank sold you the home insurance. Here is how to change it.
What the bank can and cannot require, what happens to the rate bonus, and the six steps to move the policy without losing the mortgage terms.
Read articleWhat you need to insure a property in Portugal: the document checklist
The five essentials, what the insurer asks that no certificate shows, and what to do when a licença de utilização is missing.
Read articleEmploying domestic staff in Portugal: the insurance you are legally required to have
Workers’ compensation is compulsory for a housekeeper or gardener, and your home policy specifically excludes injury to your own employees.
Read articleThe liability a household carries without noticing
Children, dogs, bicycles, contractors and the pool: where personal liability comes from, what limits are realistic, and what the policy excludes.
Read articleHiscox home insurance in Portugal: cover for high-value homes
All-risks cover, agreed values, scheduled art and jewellery, and no proportional rule — individually underwritten, and not a retail solution.
Read articleHome insurance in Lagoa and Carvoeiro: a local guide
The concelho with the most second homes in the Algarve — where the occupancy basis matters more than the premium.
Read articleHome insurance in Lagos: what local property actually needs
The historic centre, the Porto de Mós cliff line, the low ground at Meia Praia and the marina rental market each need a different policy.
Read articleHome insurance in Loulé and Almancil: from the resorts to the serra
Quinta do Lago and Vale do Lobo at one end, converted farmhouses and wildfire exposure at the other.
Read articleHome 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 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.