Blog about Insurance in Portugal
Welcome to our blog about insurance in Portugal. Here you will find the most interesting posts about insurance for expats or foreign residents in Portugal.
Corporate Life Insurance in Portugal: A Smart Strategy to Reduce Corporate Tax (IRC) and Protect Your Employees
Running a business in Portugal — especially as an expat — comes with both opportunity and complexity.And when the fiscal year approaches its end, every business owner, CFO or managing director faces the same question: How do we optimise our tax position legally and intelligently — instead of simply paying
Smart Tax Saving in Portugal: Interview with C1 Broker & Allianz Portugal
Interview: “A Smart Way to Pay Fewer Taxes — and Sleep Better at Night” with Maximilian Wichels, Head of Sales, C1 Broker Portugal for ESA . . . . ESA — Entdecken Sie Algarve, the leading lifestyle magazine for German-speaking expats in Portugal, recently interviewed Maximilian Wichels, Head of Sales
Have You Started Your PPR Yet? Now or Never to Save Smarter in Portugal
We’re Entering the Final Stretch of the Year — Have You Started Your PPR Yet? As the year comes to an end, one question could make a real difference to your wallet — and your future: .Have you opened your PPR yet? If you live in Portugal and pay IRS,
How Expats in Portugal Can Pay Less IRS & Pay Off Their Mortgage with a Smart PPR
💡 Brilliant! How to Pay Less IRS and Reduce Your Mortgage with a PPR Discover how to turn your Allianz PPR Ativo into a “2-in-1 solution”: a tax-saving investment and a tool to pay off your mortgage faster. . . The Case of Sarah — an Expat Who Wanted Her
Pay Less Corporate Tax in Portugal with a PPR: A Guide for Expat Entrepreneurs
How Smart Companies Turn Taxes into Investments with an Allianz PPR The Fiscal Power of an Allianz Corporate PPR Imagine being able to turn part of what your portuguese company pays in taxes into a solid long-term investment — one that grows year after year while offering immediate tax benefits.That’s
How to Exchange or Renew Your Driving Licence in Portugal – A Practical Guide for Expats
If you’ve recently moved to Portugal, one of the practical steps you may need to take is to exchange your foreign driving licence for a Portuguese one. While you can’t renew a foreign licence in Portugal, you can exchange it — depending on your country of origin and your residency
Electric Scooters in Portugal: Insurance Now Mandatory from 2025
New legislation introduced in June 2025 requires many electric scooter users in Portugal to hold third-party liability insurance. Find out if you’re affected, what the penalties are, and how C1 Broker can help you stay protected. Legal Update: What Has Changed? With the publication of Decree-Law No. 26/2025, which
Total Loss in Car Insurance: When the Insurer Wrongly Applies the IDS Agreement – Real Case in Portugal
At C1 Broker, we work every day to protect our clients’ rights, especially when it matters the most — in the event of a claim. As a specialist insurance broker for expatriates living in Portugal, we not only help our clients find the best insurance but also provide full support
Summer Is Around the Corner: Make Sure Your Boat Is Properly Insured in Portugal
As summer approaches and the Portuguese coastline starts to fill with boats, yachts, and sailing enthusiasts, it’s the perfect time to ensure your vessel is fully protected. Whether you’re an expat enjoying the beauty of the Algarve, cruising around Madeira, or preparing for a summer charter in the Mediterranean, boat
28 April 2025 Power Outage: C1 Broker Operations Unaffected Across Portugal and Spain
On Monday, 28 April 2025, a major power outage impacted large regions across Portugal, Spain, and Southern France.Starting at approximately 12:30 PM (local time), the disruption affected critical infrastructure such as public transportation, traffic control systems, telecommunications, and payment networks. Authorities have described this incident as “absolutely exceptional,” with preliminary
Waiting Periods in Allianz Health Insurance: What You Need to Know!
Waiting periods in Allianz Health Insurance refer to the timeframes set for each type of coverage, beginning either from the start of the policy or the insured person’s enrolment date (whichever is later). These periods determine when specific benefits become available under the policy. In other words, during the waiting
What is the Green Card (Carta Verde) and Why Do You Need It for Driving in Portugal and Europe?
If you are an expat living in Portugal or planning to travel by car across Europe, you may have heard about the Green Card, also known as Carta Verde or International Motor Insurance Certificate (IMIC). But what exactly is this document, and when do you need it? At C1 Broker
Life Insurance in Portugal: Market Insights and Expat Solutions with C1 Broker
Understanding the Life Insurance Market in Portugal Life insurance in Portugal plays a crucial role in financial planning, especially for those securing mortgages or looking for long-term family protection. The Portuguese life insurance industry is well-regulated, with major players such as Fidelidade, Ageas, Generali, Zurich, and MetLife controlling a significant
Health Insurance in Portugal: Everything Expats and Digital Nomads Need to Know
Moving to Portugal is an exciting journey, whether you’re an expat, digital nomad, or retiree seeking sunshine and a laid-back lifestyle. But one of the most critical aspects of relocating is securing health insurance that guarantees access to quality medical care. While Portugal has a public healthcare system, many expats
How Much Does Private Health Insurance Cost in Portugal?
Portugal is one of the top destinations for English-speaking expats and digital nomads, thanks to its pleasant climate, affordable cost of living, and high quality of life. However, navigating the healthcare system is an essential aspect of settling in the country. While Portugal has a public healthcare system (SNS), many
What is the Caderneta Predial and Why is It Essential for Your Home Insurance in Portugal?
When purchasing a home in Portugal, whether for personal use or investment, understanding the key documents related to property ownership is crucial. One such essential document is the Caderneta Predial—a term that might be unfamiliar to many expats but plays a vital role in various legal and financial processes, including
What is AIMA (Agência para a Integração, Migrações e Asilo)?
On October 29, 2023, a significant transformation occurred within Portugal’s immigration framework: the Agência para a Integração, Migrações e Asilo (AIMA) commenced operations, effectively absorbing the duties previously managed by the Serviço de Estrangeiros e Fronteiras (SEF). This transition marks a pivotal shift in the nation’s approach to immigration, integration,
Portugal’s New IFICI+ Tax Incentive: A Game-Changer for Expats & Foreign Residents
Portugal has long been an attractive destination for expatriates due to its pleasant climate, high quality of life, and tax-friendly environment. With the phasing out of the Non-Habitual Resident (NHR) tax regime, the Portuguese government has introduced a new initiative aimed at continuing to attract skilled foreign professionals: the Incentivo
How to Calculate the Reconstruction Cost of a Property in Portugal: A Complete Guide
Choosing the ideal home insurance starts with a fundamental step: accurately calculating the reconstruction cost of the property. This value is essential to ensure that, in the event of a claim, you have sufficient coverage to rebuild your home without complications. But how can you determine this value precisely? It’s
Best Health Insurance Companies in 2025 for Expats / Foreigners in Portugal
If you’re an expat or foreigner living in Portugal, understanding health insurance options can be daunting. In 2025, numerous reputable companies offer tailored plans to meet the diverse needs of expatriates, ensuring access to high-quality healthcare. But how do you choose the right provider? What makes one insurer stand out
