Automobile Insurance in Portugal: The Companies, their Coverage
Option, and the Premium Rates In Portugal, it is mandatory to have an automobile insurance policy which has been in place
since the 1970s, and there are many insurers who have various solutions to fulfill the totality of
the insurance law as well as other necessities. Here are ten prominent insurance companies in
Portugal, accompanied by their Web sites, sorts of insurance most of them offer, and common
premium brackets.
1. Fidelidade
Website: www.fidelidade.pt
Automobile Insurance Coverage Options:
The Company has four basic lines, starting with third-party limited up to a fully comprehensive.
Other choices are theft, vandalism, and roadside assistance.
Premium Rates:
From €150 for a basic third party only and Auto 4, comprehensive policies can cost up to €350
or more.
2. Liberty Seguros
Website: www.libertyseguros.pt
Automobile Insurance Coverage Options:
This is in third-party liability over and above the add-ons of personal accident, liberty sobre
Rodas and vehicle replacement as well as travel assistance.
Premium Rates:
It ranges from €200 per year for basic packages and comprehensive packages ranging from 350
Euros to 500 Euros.
3. Allianz Portugal
Website: www.allianz.pt
Automobile Insurance Coverage Options:
Allianz offers such options as third party liability only and all risks for expensive automobiles.
Premium Rates:
The cheap third-party insurance policy costs €180 on average, while the most comprehensive
policy costs between €400 and €550 per year.
4. Zurich Portugal
Website: www.zurich.pt
Automobile Insurance Coverage Options:
To this, Zurich has availed features in luxury automobiles, and traveling including premium,
travel, and full coverage with an additional protective cover for automobiles.
Premium Rates:
From €300 for basic third party insurance; insurance premium for premium plans may range
from € 600 and above.
5. Generali Portugal
Website: www.generali.pt
Automobile Insurance Coverage Options:
Other amazing policies in Generali include customizations on the following-being assisted in the
event of a road emergency, theft and fire.
Premium Rates:
Minimum third party only insurance available is €170 per annum; getting a fully comprehensive
policy could cost €400 or more.
6. Ageas Seguros
Automobile Insurance Coverage Options:
It includes the policies with low premiums and choices of accident coverage for the driver and
other legal services.
Premium Rates:
It includes third party only from €150 per annum, comprehensives from €300 to €450 a year.
7. Mapfre
Website: www.mapfre.pt
Automobile Insurance Coverage Options:
Third party cover options right up to fully comprehensive with third party, theft, glass and new
car options.
Premium Rates:
It starts rom €160 per year for the essential indemnity and for more comprehensive policies,
between €350 and €500.
8. OK! Teleseguros
Website: www.okteleseguros.pt
Automobile Insurance Coverage Options:
A company that operates primarily online providing third party, and comprehensive policies
available with features like; the first accident free option and towing services package.
Premium Rates:
From €140 annually for a basic plan; the full plan varies from €300 to €450.
9. Santander Totta
Website: www.santander.pt
Automobile Insurance Coverage Options:
Provides from basic liability up to full coverage policies combined with Santander’s banking
portfolio.
Premium Rates:
It is beginning from €180 for third-party policies, full coverage policies ranging between 350
Euros to 500 Euro.
10. Caravela Seguros
Website: www.caravelaseguros.pt
Automobile Insurance Coverage Options:
It provides high-quality insurance products that curiosity young drivers, offered with the low-
priced policies from the essential liability towards more sophisticated coverage.
Premium Rates:
Then basic plans begin at € 130; comprehensive policies will cost anything between € 300 and €
400.
Conventional automobile insurance coverage types and significance of motor
vehicle insurance in Portugal
Third-Party Liability:
It is included in legal liability that safeguards human life and property of third parties. This
mandatory coverage is normally between € 130 and € 200 a year.
Supplementary Third-Party Insurance:
It includes Ads fire and theft protection; the typical per quarterly premium rates range from €
200 to € 350.
Full Coverage:
This encompasses third party risks, personal injury and car damage, and the cost of the same is
between 300 Euros to 600 Euros plus per annum.
Driving in Portugal requires its people to have auto insurance Apart from providing a legal
requirement for the use of cars; auto insurance can also safeguard them from financial risks.
Most of the insurance companies provide English speaking services to facilitate the process to
overseas citizens.
Easy Choices for Expatriates and International Persons
Most of the insurance companies in Portugal have realized that there’s a growing market of
foreign residents seeking insurance services in their new country of residence, and therefore,
increasingly provide English speaking services specifically targeting Portuguese residents from
other countries. Some of the insurance companies simplify their procedures through online
support, mobile applications and hot lines such as Fidelidade, Allianz and Liberty seguros.
Conclusion
Since third-party liability insurance has become compulsory in Portugal, the choice of an
insurance company and the policy to be taken should be agreed upon depending on individual
interests and pocket. Where aspiring buyers are concerned with the minimum for road use,
Portuguese drivers as well those who are expats need not look far because they can consult and
purchase from some of the best insurers such as Fidelidade, Liberty Seguros, and Generali.
Competition of rates and coverage enables drivers meet the legal requirements while on the other
end, get an insurance cover in case of any eventuality.
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