Car insurance in Ontario 2023

Car insurance for ex-pats in Portugal

.Once you move to Portugal, having a car there will really make you feel at home. Whether you bring your car from home or buy it locally, you need insurance. So how does car insurance in Portugal work? Car insurance for ex-pats in Portugal


What types of coverage are there? What is the insurance premium in Portugal? ? Our guide to car insurance in Portugal answers all these questions and more.



Driving in Portugal with car insurance in another country

If you are driving in Portugal, assume your car is or is insure in another European country. As long as you have a clearly state insurance company, you will be covere. In Portugal, trailers towed behind a car must be insure separately. Your license plate is proof that you have insurance, so there is no problem.

However, please keep your insurance documents with you just in case. This includes an international car insurance certificate, better known in Portuguese as a green card or Carta Verde. This proves that the insurance is valid across borders. If you have insurance, you should get this green paper, but if you don’t, you can always request it for free.



Driving in Portugal with car insurance in Portugal

In Portugal car insurance is compulsory by law, at least up to third party insurance. Also, it is the vehicle that is insured, not the driver. This means that anyone can safely and legally get behind the wheel of your vehicle at any time (provided they have a driver’s license!). To get insurance in Portugal, you must first register your vehicle with the Portuguese authorities.

For permanent residents of Portugal, this vehicle registration is mandatory, but you can opt-in even if you are not a permanent resident. If you can prove that you live temporarily in Portugal, you do not need to register your vehicle.

EU citizens can drive in Portugal with a home country driver’s license. It can also be driven by non-EU citizens holding an international driver’s license. However, please note that if you are grante permanent residency in Portugal you will need to exchange your driver’s license for a Portuguese driver’s license.


What types of car insurance are available in Portugal?

As already mentioned, in Portugal it is the car that is insured, not the driver. The downside to this is that they generally don’t accept no-claim discounts. Even if you’ve been driving safely for years without an insurance claim, it doesn’t count in your final quote.

As a result, insurance, especially comprehensive insurance, is often significantly more expensive. However, the final premium estimate will depend on many factors, including: B. Vehicle condition, year, make and model.


Civil Liability Insurance:

The statutory seguro obrigatório de responsabilidade Civil automóvel covers damage to property and persons of others in the event of a traffic accident.



Fully Inclusive:

The Seguro de danos próprios is a more comprehensive coverage covering fire, theft and personal injury in addition to liability damages.

If you follow these car insurance rules in Portugal, you will be legally covered in case of an accident. But the best advice is to always stay safe on the road and prevent accidents in the first place. Have a nice drive!

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