MOTORCYCLE & SCOOTER INSURANCE FOR EXPATS IN PORTUGAL IN ENGLISH
INSURANCE FOR ALL TYPES OF MOTORCYCLES AND SCOOTERS IN PORTUGAL INCLUDING UK REGISTERED, VINTAGE AND CLASSIC BIKES.
MOTORCYCLE INSURANCE IN PORTUGAL FOR EXPATS IN ENGLISH.
As motorcycle insurance specialists in Portugal we understand the need for the right type of cover. Not all motorcyclists have motorbikes for daily use. Many are luxurious and expensive machines that are brought out at weekends for cruising, or just for fun on those days where you just want to chill out on the roads of Portugal.
MOTORBIKE INSURANCE IN PORTUGAL.
Motorbikes, classic motorcycles, specialized motorbikes and scooters, including electric bikes can be covered with an affordable insurance in Portugal. It is compulsory to have motorcycle insurance in Portugal for any registered vehicle that is registered for road use.
MOTORBIKE INSURANCE IN PORTUGAL - GETTING A QUOTE.
Motorcyclists are always looking for the best deal for their insurance. Third party liability insurance is the minimum required by law and provides protection for you as the motorcyclist to cover any damages you might cause in an accident to third parties by causing a car accident, damages to other persons and property, and injuries to others. It is important to remember that this basic insurance will not cover you or your motorcycle for any injuries sustained in an accident or the cost of repairs to your motorbike.
One should also consider the legal implications as you will need the liability insurance to provide the legal protection and the use of lawyers etc if you are being sued or are involved in a traffic accident.
Some insurers are offering lower liability cover to reduce the premiums and as it is the most important part of this type of insurance, you should ask what the liability limit of cover is on your policy. €100,000 won't go very far if you are involved in dealing with the death of another party in an accident or huge medical bills for treatment.
Civil liability insurance in Portugal is supposed to cover you for €1,000.000 but this is not always the case - check your quotes before going ahead.
THIRD PARTY FIRE AND THEFT MOTORCYCLE INSURANCE IN PORTUGAL
A much better option if you value your motorcycle. At least this will cover your motorcycle in the event that it gets stolen or catches fire. Depending on the age of your motorcycle, some insurers in Portugal will not cover you if the motorbike is over 10 years old. Check that you are getting the correct value, as Insurance Companies in Portugal and abroad have a tendency to give you a quote on a lower motorcycle value, or use the book value at the time of claim, to assess the value of a total loss, and provide a lower premium. Not always what you need.
FULLY COMPREHENSIVE MOTORBIKE INSURANCE IN PORTUGAL.
Whatever type or size of your Motorbike, if it is less than 10 years old you can get fully comprehensive cover which will cover, you, your passenger or pillion, accessories that you might have added, as long as you declare them at the time of contracting the insurance, fire and theft and total loss.
The difference between the premiums for third party only and fully comprehensive motorcycle insurance is not that big, so it is worth getting at least a quote to see what the difference is. You can also increase your first excess, (The amount you contribute to every claim you make) as this will reduce your insurance premium. Always ask your insurance agent or broker how much your first excess will be as some will make it €600 plus, in order to get you a lower quote and make you think you are getting a better deal than the company that quoted you for a €300 first excess in a bid to get your business.
THE BEST MOTORCYCLE QUOTES IN PORTUGAL.
The best way to get the right motorcycle quote is to talk to us. We will talk you through all of the cover, explain how it works and describe the best ways to reduce your premiums for the right cover you need. You might have a single seater, so there is no need to have pillion passenger cover. You might consider yourself to be an excellent driver and may never have made a claim. Increasing your 1st excess on the insurance policy will also help to reduce your premium.
DISCOUNTS ON MOTORCYCLE INSURANCE IN PORTUGAL
Discounts on Motorcycle insurance policies can be up to 60%, but the insurance companies try and keep this to a maximum of 25%. A lot will depend on your motoring history, your age, how long you have held your motorcycle license, and the age, value and horsepower of the bike.
WHAT TO DO IF NO MOTORCYCLE INSURANCE COMPANIES IN PORTUGAL WILL OFFER YOU INSURANCE.
There are some rare cases whereby Insurance companies may not offer you insurance for your motorcycle. There is a process to get you insurance, regardless of your motoring history or claims status. First, you must get at least 3 written refusal for insurance and then present these documents to the insurance institute in Portugal. They will then pass your information on to an insurance company and insist that they offer you cover.
COMPARING MOTORCYCLE INSURANCE IN PORTUGAL.
There are no motorcycle comparison websites in Portugal. The insurance companies are not willing to take part in that sort of insurance market as it does not serve their own interests in maintaining premium values. However, we have the knowledge, experience, qualifications and the professionals that can source the right type and premium suitable for you as a motorcycle rider in Portugal.
BREAKDOWN RECOVERY INSURANCE FOR MOTORCYCLES.
Most people tend to forget about Motorcycle breakdown and recovery insurance. You might think you can push your motorcycle to the nearest garage if you run out of petrol, or repair a puncture on the side of the road, well at least the front tire if you have a repair kit and all the tools you need, but in practice, its not a good idea. Having motorcycle breakdown recovery insurance in Portugal will get you picked up and taken to a garage quite quickly. In the event that your motorbike can't be repaired, they will take it to a garage of your choice and get you home.
breakdown and recovery insurance for motorcycles will also provide the rider and owner with a green card so that your motorcycle is covered anywhere in Europe should you be traveling in Europe and break down. includes hotel and travel expenses if your bike is unable to be ridden or can't be repaired within a specified time.
MOTORCYCLE INSURANCE FOR YOUNG DRIVERS.
Young motorcyclists get a bad rap. They are generally heavily penalized on premiums as the inexperienced riders are a much higher risk and make most of the insurance claims. Most under the age of 25 can only get third party liability insurance so that theft, fire and medical bills as well as the repair bills to their own bike are not covered. We would advocate a personal accident and injury insurance for any young drivers to protect themselves for hospital bills, ambulance charges and costs relating to the accident. If you fall off your bike, a personal accident and injury policy will cover you and will also cover some of your medical bills as well as covering you for any kind of accident that results in injury at home, whilst at work or at leisure.
SCOOTER INSURANCE IN PORTUGAL.
If you have any type od scooter, electric, hybrid, or petrol, we can get you covered for third party liability. Premiums are relatively low as the cover is not great, but it will keep you leg and provide that important third party liability cover.
MORE INFORMATION ON MOTORCYCLE & SCOOTER INSURANCE IN PORTUGAL.
Our Professional, qualified and experienced staff can source Motorcycle and Scooter insurance in Portugal for Expats in English and make sure you get the right type of insurance cover. We offer a completely free and confidential service, and you are under no obligation to buy from us. We just want to make sure you are legal and covered properly.
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Copyright Plegasus Europe S.L. All rights reserved - Updated January 2021