How Our Insurance Brokerage Works

The process

Six steps

The same shape applies whether you need one type of cover or several, in Portugal or in Spain.

Tell us what you need A short written description of your situation — what you own, where, and what you are unsure about. No form is a substitute for telling us in your own words if that is easier.
We review your situation We read what you have sent, ask for anything missing, and work out which products actually apply — not every enquiry needs every line of cover.
We approach appropriate insurers Within the agency agreements and relationships actually available to us in your market, not a promise to check the whole of the market.
We explain the available options In writing, in English, including where cover has limits or exclusions worth knowing before you decide — not just the headline premium.
You decide how to proceed There is no obligation at any point before you actually decide to proceed with a policy.
We remain available afterwards For policy servicing, renewals, and claims support where the policy and circumstances allow us to assist — see claims support.

Set expectations

What to expect

Being upfront about how insurance actually works tends to save time later, so here is the honest version rather than a marketing one.

We will ask for information: Accurate answers to a small number of questions matter more than anything else — insurers underwrite based on what is disclosed, and an inaccurate answer is one of the most common reasons a later claim is contested.
Documents may be requested: What is needed varies by product and by insurer — we ask for what is actually required, not a blanket checklist.
Underwriting varies by insurer: The same risk can be viewed differently by two insurers. Acceptance is never guaranteed before an insurer has actually assessed the case.
Quotes can change: An indicative figure can move once full details are confirmed — this is normal underwriting practice, not a bait-and-switch.
Policy wording matters: What a policy actually covers is set by its wording, not by a summary on a website. We explain the wording before you sign, we do not just quote a price.
You choose whether to proceed: Getting a quote or a written comparison from us creates no obligation to buy anything.

Portugal and Spain

Two different markets

Portugal is where Adler & Rochefort is authorised and based, with several years of insurer relationships in place. Spain is served under Freedom of Services on the basis of that same authorisation — a genuine but newer part of the business.

In practice this means: not every product available in Portugal is currently available in Spain, insurer relationships differ between the two markets, and the regulatory and underwriting rules that apply are not identical. Where something cannot currently be arranged in a given market, we say so rather than imply otherwise — see insurance in Portugal and insurance in Spain for what each market actually covers today.

Ready for step one?

Tell us what you need and where, and we will follow the process above — starting with a written answer, not a sales call.

Start an Insurance Review Why use a broker?

Adler & Rochefort is the commercial brand of Ownizo, Unipessoal Lda., an insurance broker registered with the Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) under no. 425591790/3, and operating in Spain under Freedom of Services. This page describes our process in general terms; individual cases vary.