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.
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
DORA: How the New Digital Resilience Regulation is Transforming the Financial Sector in Portugal
Digitalisation is rapidly reshaping every sector, and the financial industry is no exception. However, the increasing reliance on technology has also brought new challenges, such as cyberattacks, system failures, and vulnerabilities linked to third-party providers. To address these risks, the European Union introduced the Digital Operational Resilience Act (DORA), aiming
The End of Tolls on the A22 in Algarve: A Welcome Relief for Motorists
Great news for drivers and residents in the Algarve! As of January 1, 2025, the much-anticipated abolition of tolls on the A22 highway, also known as the Via do Infante, has finally come into effect. This decision has been met with widespread approval from locals, tourists, and business owners who
Big Changes Coming to IUC Payments in Portugal: What You Need to Know
At C1 Broker, we strive to keep our clients informed about important updates. A major change to the Imposto Único de Circulação (IUC) payment schedule has been announced, and it’s set to simplify the process for all vehicle owners in Portugal. Here’s what you need to know about these changes,
New Rule in Portugal: Omit Cured Medical Conditions After 10 Years
In the world of health and life insurance in Portugal, the relationship between policyholders and insurers is built on trust and transparency. A recent regulatory update has clarified a sensitive topic: the obligation to declare pre-existing medical conditions. According to the latest guidelines, policyholders are no longer required to
Digital Transformation in Portugal: App Gov.pt Now Includes 16 Digital Documents with Legal Validity
Portugal continues to make significant strides in digital transformation. It’s no longer just your Citizen Card or Driving License that can be accessed digitally. With the Gov.pt app, citizens can now store 16 official documents in digital format, all with the same legal validity as their physical counterparts. What
Portugal Receives EU Warning to Implement New Directive on Car Insurance
The European Union has officially warned Portugal about delays in adopting a critical directive related to car insurance. The country now faces a two-month deadline to bring its national legislation in line with EU requirements. This alert highlights the need for businesses, including insurance providers and motorists, to stay informed
