SCOOTER INSURANCE IN PORTUGAL FOR EXPATS.
THE BEST INSURANCE QUOTES FOR SCOOTERS IN PORTUGAL IN ENGLISH
SCOOTER INSURANCE IN PORTUGAL.
With the ever increasing use of scooters by Expats in Portugal, particularly in busy cities and during the height of the tourist season, their popularity amongst tourists on vacations, is not surprising. With beautiful weather and dry roads for most of the year, many have made them their preferred mode of transport.
With so many different types of scooters, and you can now add a whole host of Electric scooters to that list, you might be surprised at how difficult it can be to get certain types of scooters and mopeds insured in Portugal.
YOUNG DRIVER INSURANCE FOR SCOOTERS IN PORTUGAL.
If you are under 25 and you have a scooter, fully comprehensive insurance on them is virtually impossible. With so many scooters being stolen or damaged in Portugal, the insurance companies are very reluctant to offer any form of insurance fory oung drivers other than the minimum legal requirements to have the scooter on the roads, being third party liability only.
Third party liablity will only protect those you hit, or cause damage to and covers you for getting sued. They will provide legal services to help you in a court case or settlement for medical or hospital bills and injuries and damage caused to others.
You, as the driver or pilloion will not get any insurance payout. Any injuries sustained to you, your pillion passenger or the scooter will NOT be covered.
We highly recommend our Personal Accident and Injury Insurance Policy (About €79 a year) for any Scooter rider or motorcyclists, regardless of their ages. Our personal accident and injury insurance policies will cover you for medical bills or accidents to yourself from any accidents caused anywhere. If you got knocked down by a bus, fell over the pavement, injured yourself at work or home - you would be covered. This is an affordable policy that we believe will soon be compulsory for any young, under 25, third party Scooter insurer in Portugal.
GETTING THE BEST QUOTE FOR YOUR SCOOTER INSURANCE IN PORTUGAL.
OK, so you decide to insure your scooter in Mum or Dad's name and then you can drive it. Don't !! Many insurance providers have for many, many years advocated this method of insuring a young scooter driver. Almost all insurance companies offering scooter insurance to adults will have a restriction placed on the policy that only those over the age of 25 can drive the scooter.
Insurance agents may fob you off and state that it's ok. We have processed claims from serious injuries from under age and uninsured scooter drivers. We know they will not be covered in the event of a claim. The local Police are clamping down on Scooter insurances as many youngsters are unfortunately killed whilst uninsured or driving without the proper insurance.
SPECIALIST SCOOTER INSURANCE IN PORTUGAL.
We specialise in Scooter insurance. It is not expensive, a bit restrictive for younger drivers, but if you are over 25, depending on the model, horsepower and the value of the scooter, its designated use, the age of the driver and if it has the capacity to carry a pillion, we should be able to get insurance for you. Whether a new or second hand scooter, you will require the right type of driving licence to drive one and that depends upon the cubic capacity. Most scooter up to 50cc can be driven on a standard driving licence.
MOTOR SCOOTERS AND ELECTRIC SCOOTERS IN PORTUGAL.
Electric scooters are gaining popularity in Portugal and i don't think the local laws were ready for the massive influx of foreign selectric scooters. Electric bicycles are also having massive success and the dilemma has been placed on Government to come up with a suitable solution about insuring them. There is talk of mandatory licencing or a test for any that are street legal. whether this will actually get through any parliament, we will have to wait and see, as they may also then have to start including electric bicycles as well, and that opens a big can of worms.
Some electric scooters and bicycles can achieve very high speeds, which does make them dangerous. Young aduts and children will use them on the pavements, streets and roads, even at night, with some serious injuries occuring. Most are without lights if they are not specifically designed for road use. Those that are designed for road use, have a designated KW rating and the insurance is based upon that, your age, use, value and maximum speed.
Some can be insured as fully street legal and are registered for road use. Third party liability insurance for electric scooters is the current insurance availability as they are very easy to steal, and people of all ages are using them as the prefferred means of transport to get to and from work.
Motor Scooters can have much larger engines and can be much more powerful. Specific licences are required, the same as motorcycle licences to drive them, depending on the KW or CC ratings. Larger scooters with drivers over 25 can be insured fully comprehensive and age, driving experience, claims history, value and age of the scooter, all come into the equation when quoting for scooter insurance in Portugal.
THE BEST INSURANCE FOR MOTOR SCOOTERS AND ELECTRIC SCOOTERS IN PORTUGAL.
The best type of insurance is when you seek professional insurance advice from us and find out what should be coverd to suit the use and operation of the scooter. There are many variants and buying standard off-the-shelf scooter insurance is not wise. We will tailor your scooter insurance to suit your needs. Why pay for the parts of the scooter insurance policy you are not going to need?
We would highly recommend that the personal accident insurance is taken to compliment any injuries when riding your scooter, unless you have been able to get Fully Comprehensive Insurance.
Talk to us, our advice is free and friendly, completely confidential and you are under no obligation to buy from us. We would rather you talked to us to get the right information you needed, than subscribe or contract an insurance policy that is not going to be any good to you and a complete waste of money. We are here to help. Just request a call back and we will call you during office hours or at a time to suit you.
Thank you for looking.
Copyright Plegasus Europe SL. - All rights reserved - Updated January 2021