CAR INSURANCE IN PORTUGAL FOR UK & PORTUGUESE REGISTERED CARS IN ENGLISH FOR EXPATS
THE BEST CAR INSURANCE QUOTES IN PORTUGAL
CAN I INSURE MY ENGLISH REGISTERED CAR OR MOTORCYCLE IN PORTUGAL?
Yes you can! In many cases you can actually get a cheaper premium for your British registered car or Motorcycle in Portugal and it usually includes a whole host of extra covers as standard. For example: Most basic car and Motorcycle insurances includes what was commonly known as Green Card Cover. This does provide UK plated cars with the insurance to drive anywhere in Europe for the whole year and includes breakdown recovery insurance all over Europe. So if you are driving from the UK to Portugal, you are covered all the way over.
HOW LONG CAN I KEEP MY ENGLISH REGISTERED CAR IN PORTUGAL?
Although your car may be properly insured, be aware that there are restrictions as to how long you can keep your English registered car in Portugal. As long as your English registered car is legal, has a valid MOT from the UK and is classified as roadworthy, you can keep the vehicle in Portugal for up to six months,183 days.
However, if you are planing to take up residency in Portugal, you are supposed to notify Portuguese customs within 20 days. Importing a foreign registered vehicle into Portugal is not an easy task and can be very expensive. If you are moving or relocating to Portugal, most Expats recommend buying a car in Portugal as it saves a lot of hassle and you will have the steering wheel on the left hand side. If you do plan to import a vehicle, sort all the details out beforehand and check the import duties and taxes applicable to your vehicles importation. You might just change your mind.
WHAT TYPE OF VEHICLES CAN I INSURE IN PORTUGAL.
We can insure just about any type of vehicle from British registered vehicles, Portuguese registered vehicles, hybrid and electric vehicles, Motorcycles, quads, beach and Dune Buggies, Classic and Vintage cars, vans and Commercial vehicles, SUV`s, Camper vans, Motor homes, Caravans, Horseboxes, Trailers and we can also cover things like goods in transit and mobile business vehicles such as mobile hairdressers, dog grooming vehicles and virtually anything that is road legal.
CAN I DRIVE ANOTHER VEHICLE IN PORTUGAL ON MY INSURANCE?
No, in Portugal it is the motor vehicle that is insured. If the vehicle you want to drive is insured and covers your age group, then you can drive that vehicle with the owners permission. Some car insurance policies in Portugal may be driver only and restricted to a specific age group. Young drivers do have an issue here as most car insurance policies issued in Portugal as standard have a minimum age limit of 28.
CAN I GET FULLY COMPREHENSIVE INSURANCE IF THE CAR IS OVER 10 YEARS OLD?
The Portuguese insurance market does not allow for the cover of fully comprehensive insurance on vehicles over 10 year old. Hence, why we are specialists in Expat insurance so that we can provide you with Expat insurance that will give you fully comprehensive insurance on vehicles over 10 years old being used in Portugal.
WHAT IS GREEN CARD COVER IN PORTUGAL?
Green card cover is provided by most Car and Motorcycle insurance providers as part of your basic vehicle insurance premium. This permits you to travel to any European country, those that are members of the European Union, and provides cover for emergency breakdown and recovery of your vehicle in the event of an accident or a breakdown. More recently, this cover is now known as breakdown recovery Vehicle insurance.
WHAT DOES THE BREAKDOWN RECOVERY INSURANCE COVER ?
In the event that your vehicle breaks down, and this can sometimes include a home start option, you can call the insurance company and they will arrange for a to truck to come to your assistance. If they are unable to repair the vehicle, they will transport the vehicle to the nearest garage or vehicle repair center for you, normally within a 100 to 120 Klms radius of the breakdown or accident location so that you can get the vehicle repaired.
WHAT IS HOME START VEHICLE COVER IN PORTUGAL?
If your car does not start in the morning, you can call the breakdown recovery service and they will tend to your vehicle. If they are unable to get it started for you, they will tow the vehicle to the nearest or most suitable vehicle repair center to be repaired. They will not pay for the repairs, but at least your car is in a garage where it can be repaired and you won't have to pay for the recovery costs to that garage.
GETTING THE BEST CAR INSURANCE IN PORTUGAL.
One must consider having the right type of insurance cover that will protect you in the event of a car accident, Most people believe that Portuguese Insurance Agents and Brokers will normally provide that for you, as it is their job, but in todays world, it is more about them making money. So you don't always get the best deal. As insurance premiums are predominantly the issue for most people, cover can be compromised.
CHEAP CAR INSURANCE IN PORTUGAL
The best way to save money and get the cheapest car insurance quote in Portugal is to talk to us. Contact Us. There are so many variants when getting a car insurance quote in Portugal, that you could be missing out on getting the best cover for a much cheaper price. If you have an old car that is roadworthy but not worth much and you just want it for running about and only need the minimum legal requirements for car insurance in Portugal, we can tailor the car insurance to your needs. We will discuss the best ways to reduce the premiums, as there will be sections of the insurance that you won't need in a standard car insurance policy.
CLASSIC & VINTAGE CAR INSURANCE IN PORTUGAL
INCREASING YOUR FIRST EXCESS TO REDUCE PREMIUMS.
What is the first excess on my car insurance?
The first excess on car insurance is the amount you will contribute towards any claim made against the insurance company in the event of a car accident. Even if the fault is not yours, some Portuguese insurance companies will require that you pay this initially and then get it back if the accident is not classified as your fault. By increasing the amount of the excess you are willing to pay in the event of an accident, you can greatly reduce your premiums.
The downside is that if you do have an accident and it is your fault, this amount will be deducted from the claim and you will have to pay it upfront. If you are a careful driver, or you don't do much mileage, or drive a very old car that has a very low value, this is a good option.
MULTI CAR INSURANCE DISCOUNTS IN PORTUGAL.
Like all things, if you have more than one car, or require additional insurances such as house or health insurance and they are done with the same insurance company, you can get additional insurance discounts on your car, house, health and others as well as such things as Insurance Cash Backs in Portugal. Over 50's car insurance in Portugal doesn't exist, but the insurance companies do offer preferential car insurance rates for those mature drivers with a good driving history.
RENEWING YOUR CAR INSURANCE IN PORTUGAL.
As they say, shop around. You won't have to do that with us as we recalculate your renewal premiums each year before sending you the renewal information. We like to keep our customers happy and if we can find you a cheaper renewal premium, we will let you know.
COMPARE CAR INSURANCE IN PORTUGAL.
Comparing car insurance in Portugal is fraught with issues. Getting car insurance from Portuguese Brokers can be difficult and they are only likely to deal with you on standard policies. There are no online Car insurance comparison websites in Portugal and very few Insurance Agents like us that specialise in providing car insurance for Expats. All risks car insurance policies in Portugal do not cover all risks, it simply is used to refer to a car insurance policy that will cover you for the damages that you may cause to others.
MAKING A CAR INSURANCE CLAIM IN PORTUGAL.
Like most places in Europe, making an insurance claim is relatively straight forward. Stay calm, put on your reflective jacket and put out the reflective triangles and keep out of the way of traffic. Do not admit any liability unless you accept the fact that it was your fault. Fill out and sign the insurance claim form and take plenty of photographs. If the other party starts to get aggressive, walk away, call the police on 112, and notify them of the accident. They will arrive and take notes and photographs of the scene, and deal with any antagonists.
If your car is badly damaged and cannot be driven, the police will arrange for it to be towed away to a police compound, or a suitable garage. If the vehicle is damaged but you are unsure of its safety to drive and you haven't called the police as you have been able to resolve the situation yourself, you can call the breakdown recovery service provided by your insurance company. This will be on a small plastic card that comes with your insurance documents.
UNINSURED DRIVERS IN PORTUGAL.
There are a lot of uninsured drivers in Portugal. With the recent Covid 19 Epidemic, unemployment and general recession, many are taking risks and driving uninsured. A minium of 3rd Party insurance for vehicles is required by law in Portugal.
DRIVING LICENSES PORTUGAL.
A driving license for use in Portugal should contain a photo ID. If it does not, you will need to get an International Driving Permit for Portugal to drive in Portugal or within most of Europe.
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Copyright Plegasus Europe S.L. All rights reserved Updated January 2021.