Insights — Insurance in Portugal and Spain, explained
Insights — page 6.
Private use, paid use and the line between them
What happens to a policy when a private boat carries paying guests, what commercial cover requires, and how mixed use is declared.
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The security conditions attached to your policy
Condition or recommendation, safe rating and anchoring, alarm grade and monitoring, the underwriter survey, and keeping the conditions true.
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Moving a collection: the gap between the removals cover and yours
Carrier liability is not insurance. Declared-value transit cover, general average, packing and condition reports, customs and the storage gap.
Read articleGetting a valuation that an underwriter will accept
Basis of valuation, what the document must contain, who can issue one in Portugal for each class of object, and how often it has to be redone.
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How to claim for water damage on a Portuguese home policy
The first 48 hours, what the policy actually pays for, the sub-limit that decides the outcome and the reasons settlements get reduced.
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Wine cellars at home: storage conditions, valuation and cover
Spoilage after a cooling failure, the storage conditions an insurer attaches, how a cellar is valued, and wine in transit or bonded storage.
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Cover for possessions when they are not at the insured address
The temporary removal extension and its limits, scheduled worldwide all-risks, the unattended-vehicle exclusion, and where travel insurance stops.
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Berthed in the Algarve: what the marina requires and what it does not cover
The berth contract as an insurance document, marina by marina, local risks alongside, live-aboard declarations and the boat between seasons.
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Insuring a car collection: when separate policies stop making sense
One multi-vehicle contract, alternating driving and named drivers, shared storage and accumulation, and keeping the aggregate value current.
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Classic and collector cars in Portugal: matriculation, agreed value and limited-use policies
Getting the car legal at the IMT, why agreed value — not depreciated market value — decides a total loss, and how limited-use terms cut the premium.
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Liability cover for trustees, foundation boards and family offices in Portugal
How fiduciary liability differs from ordinary D&O, why personal assets are at risk, and what Side A and run-off cover do.
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Medical evacuation and repatriation cover for residents in Portugal
Why health and travel policies rarely fund an air ambulance or a transfer home, and what residents in the Algarve should check.
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it through
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