Insights — Insurance in Portugal and Spain, explained
Insights — page 7.
Coastal and clifftop properties in the Algarve: subsidence, erosion and flood
Sea views can bring underwriting questions: slope stability, erosion, flood maps, retaining walls and storm exposure.
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International health cover when your children are at school abroad
How families based in Portugal should review international health insurance when children study at boarding school, university or school abroad.
Read articleMedical evacuation and repatriation cover for residents who travel constantly
Why Portugal-based residents who travel often should check medical evacuation, repatriation and emergency transport wording before relying on a policy abroad.
Read articleSecond homes that sit empty for months: the unoccupancy clause that voids your cover
A second home can be perfectly maintained and still fall outside cover if the policy limits how long it may remain empty.
Read articleSolar panels, home batteries and EV chargers: your home is modern, your policy isn't
Modern upgrades change replacement values, electrical risk and liability, but many home policies still describe an older house.
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Swimming pools, jetties and private access: the liability nobody insures
Pools, jetties, paths and gates feel like lifestyle features, but they can become the most serious liability exposure on the property.
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Divorce and separation: how jointly-held cover unravels
Home, car, health, life and high-value asset policies can stop matching reality once a couple separates or divides property.
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Employing a nanny, driver or gardener at home: the full employer obligation nobody explains
Private households in Portugal need to understand registration, social security, workplace accidents and liability before staff start work.
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Golf resort properties: where the resort's insurance ends and yours begins
What the resort and association policy really covers, the gap left for your villa's interior, contents and liability, and the effect of letting.
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High-value bicycles and e-bikes: cover away from home
How to insure expensive bicycles and e-bikes for theft, accidental damage, accessories, battery risks and liability while riding.
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Insuring a home with staff quarters, guest annexes and outbuildings
Every structure on the plot has to be declared and valued: how staff quarters, annexes and outbuildings change the sum insured, the liability and the cover.
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Insurance for private staff who travel with the household
A Portuguese domestic-staff policy is written for work done in Portugal. When a nanny, carer or driver travels with the family, the cover may stop at the border.
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