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Allianz car insurance in Portugal
Allianz Auto in Portugal: six cover options from third-party to comprehensive, explained in English and compared with other insurers.
✅ For drivers throughout Portugal: office in Almancil, Algarve
✅ Independent broker: several insurers compared
✅ Advice in English: also in German and Portuguese
Free and with no obligation · reply usually within 24 hours (working days)
We compare car insurance from these insurers
What is compulsory in Portugal and what Allianz Auto covers
Motor liability insurance (responsabilidade civil automóvel) is compulsory for every motor vehicle in Portugal (Decree-Law 291/2007, Article 4). The legal minimum is currently €7,750,000 per accident, of which €6,450,000 for bodily injury and €1,300,000 for property damage. Allianz Auto goes further in every option: liability is covered up to a total of €50,000,000.
Liability cover does not pay for damage to your own car. For that, Allianz offers own-damage options (danos próprios), for example against theft, fire or an accident you cause. How car insurance in Portugal works in general is explained on our page car insurance in Portugal.
Allianz Auto: the cover options
Allianz offers Allianz Auto in six options. RC Base, RC Mais and DP Base build on each other; DP Mais comes in three versions that differ only in the excess:
RC Base
Liability up to €50m, occupant cover (€15,000 for death or permanent disability, €1,500 each for medical and funeral costs), breakdown and accident assistance with towing, hotel and onward travel, and legal protection after an accident.
RC Mais
Everything in RC Base, plus glass breakage (through Allianz’s partner glass repairers) and a replacement car for up to 5 days after a breakdown or claim in Portugal, for private use.
DP Base
Everything in RC Mais, plus own-damage cover for theft and robbery, fire, lightning and explosion and natural events, and after a claim in Portugal a hire car for up to 30 further days.
DP Mais
Everything in DP Base, plus collision and rollover, and vandalism and civil unrest (in Portugal only). DP Mais comes with a high excess, a low excess or no excess.
The excess (franquia) applies only to collision and vandalism, depends on the value of the car and is lower at an Allianz partner garage. Detailed limits and terms are set out in Allianz’s pre-contractual information and the Allianz Auto policy conditions (both in Portuguese); your policy is what counts.
Which option suits your car?
We compare Allianz with other insurers and explain the differences in English. For the request you need your car details, your driving licence and your tax number (NIF); you receive a quote with no obligation, nothing is signed automatically.
New to Portugal, switching, new car or second car
Which option makes sense depends mainly on your car and your situation. We often see four cases:
New to Portugal
Car with Portuguese plates
A regular Portuguese policy usually requires Portuguese registration; for imported cars, the customs declaration (DAV) helps. If you live in Portugal, Allianz assistance covers you in Portugal, the rest of Europe and countries bordering the Mediterranean, for trips of up to 90 days.
Switching
Bring your no-claims history
Allianz rates new customers on their claims history, as shown in a Portuguese insurance history certificate (certificado de tarifação). Whether a no-claims certificate from the UK or another country is accepted is decided case by case.
New car
New or financed
DP Mais is usually the right choice here, with collision and vandalism cover. The sum insured is the purchase price or the market value of an equivalent car; you choose the level of excess.
Older car
Second car or city car
For a car of low value, RC Base or RC Mais is often enough: liability, occupant cover and assistance, with RC Mais also glass breakage and a replacement car.
We work out with you which option suits you and explain the Portuguese policy terms in English before you sign.
Allianz Auto options compared
What each option includes, at a glance:
| Cover | RC Base | RC Mais | DP Base | DP Mais |
|---|---|---|---|---|
| Liability up to €50m | yes | yes | yes | yes |
| Occupant cover | yes | yes | yes | yes |
| Assistance and legal protection | yes | yes | yes | yes |
| Glass breakage (partner repairers) | no | yes | yes | yes |
| Replacement car up to 5 days (Portugal only) | no | yes | yes | yes |
| Theft and robbery | no | no | yes | yes |
| Fire, lightning, explosion, natural events | no | no | yes | yes |
| Hire car after a claim (Portugal only) | no | no | yes | yes |
| Collision and rollover | no | no | no | yes |
| Vandalism and civil unrest (Portugal only) | no | no | no | yes |
Source: Allianz Auto documents (pre-contractual information 01/2026, policy conditions). Detailed limits and terms as set out in your policy.
Allianz or another insurer?
Allianz is one of several car insurers whose offers we compare, alongside Fidelidade and Zurich. C1 Broker is not tied to any insurer.
Allianz
INTERNATIONAL
Allianz Portugal is part of the international Allianz Group.
Fidelidade
PORTUGUESE INSURER
A Portuguese insurer with its own car insurance.
Ageas
ACTIVE IN PORTUGAL
An insurer offering car insurance in Portugal.
Zurich
International
An international insurer offering car insurance in Portugal.
Victoria
ESTABLISHED IN PORTUGAL
An insurer offering car insurance in Portugal.
Generali
EUROPEAN INSURER
A European insurer offering car insurance in Portugal.
This overview is neutral and not a ranking. We identify the most suitable insurer and option by comparing them for your car, your drivers and your claims history.
Compare Allianz with independent advice
We obtain suitable quotations and explain the differences in English.
Your English-speaking Insurance Broker in Portugal
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Personal advice from the Algarve
C1 Broker · Almancil office, Algarve
“We support drivers throughout Portugal from choosing the right policy to settling a claim, personally and in your language. You deal with the same people at our office in Almancil.”
- Phone: +351 289 392 452
- Email: [email protected]
- Office: Av. Duarte Pacheco 13 R/C, 8135-104 Almancil (Quinta do Lago), Algarve
- Languages: English, German and Portuguese
Related pages & guides
Car insurance in Portugal
Third-party, extended and comprehensive cover, all insurers.
Frequently asked questions about Allianz car insurance in Portugal
Is car insurance compulsory in Portugal?
Yes. Motor liability insurance is compulsory for every motor vehicle (Decree-Law 291/2007), currently with a minimum of €7,750,000 per accident. Allianz Auto covers liability up to €50,000,000 in every option. Own-damage cover is optional.
Which cover options does Allianz Auto offer?
Six: RC Base and RC Mais without own-damage cover, DP Base with own-damage cover for theft, fire and natural events, and DP Mais, which adds collision and vandalism, in three versions with a high excess, a low excess or no excess.
Does Allianz car insurance cover me abroad?
Liability cover applies in the EU, the rest of the European Economic Area and further countries listed in the policy conditions, and otherwise in the countries shown on your Green Card (carta verde). Assistance applies in Portugal, the rest of Europe and countries bordering the Mediterranean, provided you live in Portugal and stay abroad for no more than 90 days. The replacement car, hire car and vandalism cover apply in Portugal only.
Can I transfer my no-claims bonus from the UK or Germany?
Not automatically. Allianz takes your claims history into account through a Portuguese insurance history certificate; without a history, the policy starts in class 14 of the bonus-malus system. Whether a foreign no-claims certificate is accepted is decided case by case, and we clarify this for you.
How does the excess (franquia) work with Allianz?
It applies only to collision and vandalism claims in the DP Mais options, depends on the value of the car and is lower if you have the car repaired at an Allianz partner garage. With DP Mais without excess, there is none.
What do I need for a quote?
The form asks for the make, model and horsepower of your car, its Portuguese registration and year, whether it is imported (then the customs declaration DAV, if available), your date of birth and the date of your first driving licence, your tax number (NIF) and address in Portugal, the covers you want and when cover should start, your years of insurance and claims-free years, and, if you are already insured, the current insurer and expiry date, plus your no-claims certificate if you have one. Mention in the observations that you are interested in Allianz: we will then request a quote from Allianz and, if you wish, comparison quotes, with no obligation.
Where is your office and which languages do you speak?
Our office is at Av. Duarte Pacheco 13 R/C, 8135-104 Almancil in the Algarve. We advise customers throughout Portugal in English, German and Portuguese, by phone on +351 289 392 452 or by email at [email protected]. To report a claim, use our page file a car insurance claim.
How much does Allianz car insurance cost?
The premium depends on the car and its value, the chosen option and excess, how the car is used and your bonus-malus class. There is therefore no single price that applies to everyone. We prepare a free, no-obligation comparison for you.
Allianz car insurance: request your free quote
Advice in English · independent comparison of several insurers · reply usually within 24 hours (working days)