CAR insurance in portugal
At C1 Broker you will find insurance solutions for your car & motorcycle in Portugal with the best coverage and at unbeatable prices
Motor Insurance FOR EXPATRIATES in Portugal
C1 Broker, as an insurance broker, has the mission to find the best insurance solutions for your car, van or motorcycle in Portugal. Every year we study hundreds of policies and compare products from the best Insurance Companies in Portugal, to find out exactly what is the right solution for you. Within our product portfolio we have from the basic coverage (“Terceiros”) to the most complete coverage (“Danos Proprios”).
- If you are an Expat, then you will be happy to know that we have special bonus and motor insurances specially designed for you. We also have special products for foreign license plates or cars in the process of registration in Portugal.
- Ask us for a free study of your policy! We are sure that we will find you the right insurance, with an unbeatable price, the best covers and an after-sales service and personalised claims management with maximum quality.
Car insurance in Portugal without worries
We can offer you complete and flexible solutions for your car and motorbike insurance in Portugal. Depending on whether you want a simple third-party offer or a policy with more comprehensive modules which also guarantee own damage to your vehicle, C1 Broker has the right insurance for you. Competitive prices and the quality of the best insurance companies.
We compare, study and research for you. It’s a win-win situation for you.
What you need to know about Car Insurance in Portugal in 2022
As a specialist in car insurance for expats and foreign residents in Portugal, C1 Broker can tell you all you need to know about car insurance coverage in Portugal, including information about covers, premiums, no claim bonuses, deductibles and how to choose the best motor insurance.
If you’re planning on driving in Portugal, make sure that your vehicle is properly insured. Not only will it protect any assets from harm but also allows for legal compensation should something happen along the way!
Portugal’s highways are some of the safest in Europe, but there is one important thing to remember – if you’re driving an uninsured car on Portuguese roads then it will be swiftly taken off your hands by police. As with many other countries though choosing which insurer and level of insurance suits best can get complicated so make sure to have the right brokerage company on your side.
In our Q&A we tell you all you need to know about insuring you car or moto in Portugal:
- Level of Coverage available while insuring your car in Portugal
- Car insurance companies operating in Portugal
- The system of bonuses and penalties / no claim bonus in Portugal
- The Segurnet system / History of no claims in the Portuguese database
- What you should take in consideration while choosing your car insurance in Portugal
- Applying for car insurance in Portugal: documents you need
- In case of an accident: how to make a car insurance claim in Portugal
- Cancelling an insurance contract in Portugal
- Making a complaint against an insurance company in Portugal
- Roadside assistance in Portugal
Q&A about Car Insurance in Portugal
Frequently Asked Questions about Car Insurance in Portugal
Yes, car insurance is compulsory in Portugal.
- In order to drive legally on a public road, it is compulsory to have a civil liability insurance.
- The minimum coverage of the compulsory third party liability insurance must cover a minimum of 6.070.000 euros per accident for bodily injury and 1.220.000 euros per accident for property damage. These minimum amounts are updated more or less every five years.
- This insurance is compulsory not only to drive on the road, but also to have the vehicle parked on any public road. So, even if you have your car parked, remember that the insurance must be in force.
You can choose several coverage options in your car insurance policy.
- From the simplest option, starting with the compulsory third-party liability insurance (Terceiros), to various optional covers, such as roadside assistance, accidents of occupants, additional third-party liability capital, legal protection, cover for own damage, Theft, Fire, Replacement Vehicle (breakdown or accident), New Replacement Value, Nature’s Extraordinary Phenomenon and Aircraft Crashes, etc.
- Depending on the Insurance Companies, car insurance solutions are organised in coverage plans such as Third Party, Basic and Complete Full risk, etc.
At C1 Broker, we study and compare hundreds of policies and insurance products in Portugal to always offer you the best coverage.
There are several consequences associated with driving without insurance. Third party liability insurance is compulsory in Portugal in order to drive on the road. If you drive a car without insurance, or with expired insurance, you are in an illegal situation and subject to heavy fines, besides, in case of control, your vehicle will be immediately impounded by the portuguese authorities (GNR or PSP).
- The fine for driving without insurance in Portugal can vary between 500 and 2500 Euros.
- Likewise, as this is a serious offence in Portugal, the driver of a car without insurance will lose two points on his driving licence and may be banned from driving for a certain period of time (between one month and one year).
- The worst-case scenario would be if you have an accident, as either the driver or the owner of the vehicle may be liable to pay compensation to the injured parties.
- If you are at fault in the accident and there are injured parties, the situation becomes really complicated. In addition to paying the fine, you will be obliged to compensate all the victims of the accident who have suffered material damage and physical injury and, in cases where serious injuries have been caused or someone has died, you will face legal proceedings which may result in imprisonment.
- By the way, remember that insurance is compulsory not only for your motor vehicle but also for the trailers.
There are a number of reasons why the price of your motor insurance may increase. Your car insurance premium is not the same as other drivers’, because there are factors that determine the price that each one pays for the same service. Not all drivers are the same and not all cars have the same characteristics or are driven with the same frequency, so there are different levels of risk. These are the most common factors:
- The age of the driver
- The experience of the driver (how long they have had their licence and the value of the no claim bonus)
- How old is the car (the older the vehicle, the more it will need roadside assistance)
- Claims frequency (The number of accidents declared greatly increases the renewal value of the policy)
- Number of fines (Yes, your collection of fines and other traffic violations influence the renewal price)
- The area you drive (it is not the same driving the car in Lisbon or Alentejo, where the density of cars is lower and therefore the possibility of claims is lower)
- Excess / Deductibles – If you choose an insurance policy with an excess, this will greatly reduce the annual cost of your insurance policy.
- The number of accidents in the area you drive in.
Most insurers update the value of the insurance, at the time of the renewal of the contract. C1 Broker can help you find the best solution for your car insurance in Portugal.
Not sure how to choose the right insurance for your car or motorcycle in Portugal? That’s ok and quite common, as there is a variety of offers with different prices and several basic and complementary covers in the portuguese market.
The best thing is to put yourself in the hands of a professional insurance broker specialized in insurance for expatriates in Portugal who will help you make the right decision. Remember that insurance brokers are impartial, and their mission is to put the customer’s interests first. At least, that is our motto here at C1 Broker!
So, to choose the right motor insurance for you, take in consideration:
- Make a detailed comparison of market offers – Here, C1 Broker can help you by studying and comparing hundreds of car insurance quotes from different insurance companies, to offer you a wide range of options at different price levels and coverage levels.
- Find out what is covered and what is not – ask your broker to explain what is covered and what would happen in the event of an accident.
- See how much you can afford to pay and what your real needs are – evaluate the offers to find a balance between the cover offered and the price you are willing to pay for the service.
Yes, in Portugal there is a bonus system that applies as the driver gains driving experience and has no accidents or claims.
- This bonus system (or no claim bonus) is composed of a bonus (in the case of being a good driver) and a malus / an aggravation (if you have a negative claims history, in other words, many accidents declared).
- The Bonus or Aggravation percentage will be increased or reduced depending on the claims record at the end of the first year.
- At the beginning of a new contract, and if the driver has never driven before, it always starts at 0% bonus/increase.
- With each renewal of the insurance and if there have been no claims, the driver will gain more bonus.
Therefore, to save on car insurance, you should ask for several quotes, both for third party liability, additional covers and full risk. C1 Broker does this job for you: we study and compare the different insurance offers on the market and present you with the best options.
- You should also be aware that in the event of an increase or bonus, insurers must notify the client of the new amount applied at least 30 days before renewal of the insurance premium payment date.
Currently, the only stamp that is compulsory to put on the windscreen is the car insurance stamp. However, there are exceptions. In the case of LPG vehicles, these must still have a blue or green label on the back of the car. If you still have the blue one, you can ask for it to be updated by passing a B inspection. The green serves to be able to park the car in closed parks.
Thus, the inspection stamp, which until now was also compulsory, ceases to be, with the entry into force of the decree-law n.º144/2012 of 11 July. However, it will be necessary to have an inspection record. The proof of Single Circulation Tax is no longer compulsory on the windscreen.
The lack of the only compulsory stamp is an administrative offence, which can cost you 125 euros, if you prove at the time of inspection that you have valid insurance, or 250 euros. If you do not have the inspection done, the fine can go from 250 to 1250 euros.
The coverage for “Isolated Glass” specifically protects vehicle glasses like windshields and side windows, regardless of the cause. For instance, this coverage would come into play if a stone hits and damages the windshield.
On the other hand, the coverage for “Glass included in Collision, Rollover, and Glass” encompasses damages to glasses resulting from collisions, rollovers, and related events. For example, this coverage would apply if the car collides with another vehicle, causing damage to the glasses in the process.
The coverage for “Isolated Glass” might be more expensive due to its broader scope, protecting against a variety of situations. However, the choice between the two depends on the individual needs and budget of the policyholder in Portugal.
When navigating the car insurance landscape in Portugal, it’s important to note that many budget-friendly policies may only cover replacements with “white brand” car glass. C1 Broker, your dedicated expat insurance broker, emphasizes the significance of this detail. If your vehicle, like a customized Mercedes with a distinct windshield, requires specific brand replacements, opting for a comprehensive policy that accommodates these needs is advised. Being mindful of these nuances can prevent surprises and ensure a smoother claims process when working with C1 Broker.
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Why you should trust your insurance in Portugal to an Insurance Broker
C1 Broker works for you
Professionals
C1 Broker is a professional insurance brokerage with a highly prepared team with legally imposed professional qualifications, knowledge and skills.
Save Money
C1 Broker's mission is to find you the best insurance products and solutions at affordable prices, with multi-insurance offerings
Claims Management
We work for you in the event of a claim. We ensure that claims are handled correctly and advise you on how to defend yourself.
We defend your interests
An insurance broker is independent and always puts the Customer first, whereas a tied agent defends the interests of the Insurance Companies.
Assistance in your Language
C1 Broker's commitment is to provide assistance, follow-up, and professional advice to our clients. We speak several languages, so that we can offer you correct and responsible advice in your own language.
Choice of Multi Insurance Companies
We collaborate with several insurers, so we are always able to provide the insurance products and contracts best suited to your clients' needs. You always have the possibility to choose the best insurance company, independently, impartially.
