What are you doing this weekend? Moving to Portugal? Congratulations! Being able to relocate abroad can open up so many new possibilities, but the process of moving isn’t always straightforward, especially when it comes to insuring your car in Portugal. When you move to Portugal with your vehicle, you’ll need to get Portuguese car insurance as soon as possible. It may seem like an intimidating process, but that’s why we’re here! In this article, we will discuss everything you need to know about Portuguese car insurance and how it differs from what you’re used to back home.
Is there any additional benefits to car insurance in Portugal?
When you move to Portugal, there are a few things you need to know about car insurance. For starters, Portugal is a European country, so the rules and regulations surrounding car insurance are different than what you may be used to.
Additionally, there are a few unique benefits that come with insuring your car in Portugal. Here’s everything you need to know about car insurance when moving to Portugal.
What kind of cover should I look for?
There are a few things to consider when looking for car insurance in Portugal. First, you’ll need to decide what kind of coverage you need. There are three main types of coverage: third party liability, fire and theft, and comprehensive. Third party liability is the most basic and covers damage you cause to other people or property. Fire and theft covers damage caused by fire or theft. Comprehensive covers everything else, including accidents, weather damage, and vandalism.
How do I report an accident to my insurance company?
If you’re involved in an accident while driving in Portugal, you’ll need to contact your insurance company as soon as possible. In most cases, you’ll be able to report the accident online or over the phone. You’ll likely need to provide the following information:
- Your name, address, and contact information
- The name and contact information of the other driver involved in the accident
- A description of what happened
- The date and time of the accident
- The location of the accident
- The names and contact information of any witnesses
What’s the procedure when claiming on my policy?
When you have an accident or your car is stolen, you will need to contact your insurance company as soon as possible. They will then send out an adjuster to assess the damage and determine how much they will pay out. In order to make a claim, you will need to fill out a form and provide any supporting documentation. Once your claim is approved, you will receive a check in the mail.
Can I make a claim if I only have third party cover?
No, you can’t. If you only have third party cover, then you’re only insured for damage you cause to other people’s property – not your own. That means if your car is stolen or damaged in an accident, you’ll have to pay for the repairs yourself. So it’s definitely worth considering comprehensive cover if you’re moving to Portugal.
Is it possible to increase my car insurance excess?
Yes, it is possible to increase your car insurance excess in Portugal. Doing so may lower your overall premium payments. However, you will be responsible for paying a larger amount out of pocket if you have an accident. Make sure to consider this before making a decision.
