Practical articles about insurance in Portugal, written by an independent Insurance Agent: how to take out cover, what it includes, what to do when something goes wrong, and how the options compare. No small print.
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Latest articles
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Home closed for part of the year: what your insurance requires and how to stay protected
A home left empty for part of the year has its own insurance rules. What is usually required, and how regular visits protect both the house and your claim.
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When to call the police (PSP or GNR) after an accident in Portugal
Not every accident needs the police, but some do by law, and in others, calling them is the best way to protect your rights.
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Workplace accident insurance in Portugal: who must have it and what happens if you don’t
Every employer and self-employed worker in Portugal must hold workplace accident insurance. Here is who is covered and what happens without it.
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Personal accident or health insurance: what is the difference?
One covers accidents, the other illness too. The difference between personal accident and health insurance in Portugal, and when it makes sense to have both.
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Mortgage life insurance in Portugal: you can choose your insurer
Portuguese law lets you choose the insurer for your mortgage life insurance. I explain the rules, the 2026 changes and how to weigh up the spread.
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Rebuild value or market value: how much should you insure your home for?
Your home is insured for its rebuild value, not its market value. How it is calculated, and how to avoid underinsurance and the average clause.
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Car accident in Portugal: what to do in the first 10 minutes
The first minutes after an accident matter most. A step-by-step guide to staying safe, getting help and gathering evidence in Portugal.
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How do I take out workplace accident insurance in Portugal?
Whether you run a business, work for yourself or employ a cleaner at your villa, here is how I arrange compulsory workplace accident insurance with you, step by step.
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Health insurance or health card in Portugal: what is the difference?
A card reduces the bill; insurance protects you from it. The differences, and how to tell what you are buying.
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