Reviewed by Hugo Gonçalves, Founder & Risk Management Specialist at Adler & Rochefort · Degree in Business Management (University of Hertfordshire) · Ongoing training at the Chartered Insurance Institute (CII), London.
Insurance brokerage is a process, not a transaction. Here is what actually happens after you get in touch, what we ask for along the way, and what we do and do not promise.
The same shape applies whether you need one type of cover or several, in Portugal or in Spain.
Tell us the essentials. As each proposal is specific and requires a detailed analysis of the risk, response times may vary.
Being upfront about how insurance actually works tends to save time later, so here is the honest version rather than a marketing one.
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: the insurers and products differ between the two markets — in Spain we place property cover with specialist insurers that underwrite there, and international health cover with Allianz Care, Cigna Global and APRIL International — and the regulatory and underwriting rules that apply are not identical. Where something cannot be placed on the terms it needs 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.
Tell us what you need and where, and we will follow the process above — starting with a written answer, not a sales call.
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.