CAR INSURANCE

Car Insurance in Portugal

Request a car insurance quote in Portugal and review the level of protection that suits your situation, from third-party liability insurance to own-damage cover.

Online request, with no obligation. If we need to confirm any information, we will contact you.

Generali Tranquilidade solutions · Exclusive Agent of Generali Tranquilidade

Driver beside her car in Portugal
  • Simple online request
  • No obligation
  • Case-by-case review

Third-party liability or protection for your own vehicle?

Which level of protection would you like to consider for your car?

For motor insurance in Portugal, one of the key choices is between protecting your liability to third parties and adding protection for situations that affect your own vehicle.

Third-party liability insurance

Third-party liability insurance responds to damage caused to third parties, under the applicable policy terms and legislation.

The compulsory insurance regime applies to vehicles covered by the applicable legal regime.

Own-damage cover

Own-damage cover may protect the insured vehicle itself in situations that cause damage or loss.

Depending on the selected option and policy terms, it may include risks such as theft or robbery, fire, lightning or explosion, collision, impact or rollover, and other applicable risks.

Three levels of protection to consider

Generali Tranquilidade Car Insurance offers three main protection options.

Base

Focuses on third-party liability, together with the assistance and other services provided by the selected solution.

Mais

Adds protection for certain events that may affect your own vehicle, including theft or robbery and fire, lightning or explosion, under the selected option.

Top

Provides broader protection for your own vehicle and may include collision, impact or rollover, as well as theft or robbery, fire, lightning or explosion and other applicable own-damage cover.

Important: included and optional cover, excesses, limits, exclusions and policy terms should be confirmed in the quotation and applicable documentation.

What does “all risks” really mean?

“All risks” is common consumer language for broader protection for your own vehicle.

It does not literally mean that every possible situation is covered.

In practice, it is important to check:

  • included own-damage cover;
  • optional cover;
  • the applicable excesses;
  • limits and capital amounts, where applicable;
  • exclusions; and
  • the other policy terms.

It is more useful to understand what is actually included in the quotation than to rely on the expression “all risks”.

What can protect your vehicle?

Depending on the selected option and contracted cover, the policy may address situations such as theft or robbery, fire, lightning or explosion, collision, impact or rollover, natural phenomena, acts of vandalism, glass breakage and other applicable cover.

Not all cover is included in every option. Availability depends on the selected option and contracted cover.

Driver and occupants

Third-party liability, protection for the vehicle and protection for the people in it are separate questions.

Depending on the selected option, protection may be available for:

  • the driver;
  • vehicle occupants; and
  • other situations covered by the applicable policy terms.

A quote can confirm the options available and their respective limits and terms.

Assistance and mobility

Depending on the assistance package and the event, services may include:

  • roadside assistance;
  • towing;
  • support after a breakdown or accident;
  • a replacement vehicle in certain situations; and
  • other mobility services under the policy terms.

A replacement vehicle is not included automatically. Its availability depends on the package, the event and the policy terms.

Car insurance for electric vehicles

Electric vehicles can have specific assistance needs. Depending on the selected package, services may address:

  • a lack of battery charge or autonomy;
  • towing or transport of the vehicle;
  • occupant mobility;
  • charging cables;
  • home charging equipment, where applicable; and
  • other EV-specific services.

Available cover and services depend on the selected option and the applicable policy terms.

What does Car Insurance cost in Portugal?

The cost of car insurance in Portugal depends on factors such as the vehicle, driver profile, how the vehicle is used, claims history, selected cover, the excess and applicable commercial conditions. This is why each car insurance quote is prepared for the details of your case.

When considering the price, it is important to assess the premium and the excess together with the level of protection you want.

How to request a car insurance quote in Portugal

Your online request takes three clear steps and does not oblige you to buy a policy.

Vehicle

Provide the registration plate and postal code. If you do not have the registration plate yet, identify the vehicle manually: first registration month and year, category, make, model and version.

Driver

Provide the NIF, date of birth and date of your first driving licence. Tell us as well what type of cover you are looking for and whether you currently have insurance. You can add a second driver if applicable.

Contact

Provide your name, phone number and any notes about your situation. Once submitted, your request is reviewed.

The quote request does not oblige you to buy a policy. Available cover and terms depend on the selected option and the applicable conditions.

Buying a car in Portugal?

You can start your car insurance quote request before buying the vehicle, so you can consider insurance as part of your decision.

Already have a registration plate? You can start with it.

Frequently asked questions about Car Insurance

The registration plate, postal code, NIF, date of birth and the date of your first driving licence. If you do not have the registration plate, you provide the vehicle identification manually: the first registration month and year, category, make, model and version. You also tell us what type of cover you are looking for and whether you currently have insurance — and if so, when it ends.

Third-party liability insurance applies to vehicles covered by the legal regime of compulsory motor insurance and responds to damage caused to third parties, under the applicable policy terms and legislation.

Third-party liability insurance responds to damage caused to third parties, under the applicable policy terms and legislation. Own-damage cover relates to cover for situations that cause damage or loss to your own vehicle, depending on the selected option and applicable policy terms.

“All risks” is a common expression for broader protection for your own vehicle, but it does not mean every possible situation is covered. Check the included and optional own-damage cover, excesses, limits or capital amounts, exclusions and the other policy terms.

Availability depends on the vehicle’s characteristics and the applicable underwriting rules. Some used vehicles may require an inspection or additional documentation under those rules. If needed, this is confirmed during the assessment process.

A car insurance excess is the amount that may remain your responsibility in the event of a covered loss where an excess applies. It is agreed in the policy terms and should be checked before taking out the policy, especially when considering different options.

A replacement vehicle may be available in certain situations, depending on the assistance package, the cause of immobilisation and the other policy terms. It is not automatically available in every situation.

Yes. Assistance options for electric vehicles may include services relating to a lack of battery charge or autonomy and charging equipment, depending on the package selected.

No. Requesting a quote does not create an insurance contract and does not oblige you to buy a policy.

SegurPT has access to a temporary car insurance solution for relevant European-vehicle situations. Send us the details of your situation so we can assess your request and explain the next steps for your case.

Yes. You can submit your quote request and receive support in English. The official Generali Tranquilidade quotation is issued in Portuguese, and I can provide the relevant information and explain the proposal to you in English.

Request a Car Insurance quote

Provide the vehicle details and send your request. We will review the information and contact you if anything needs to be confirmed.

REQUEST A CAR INSURANCE QUOTE

Online request, with no obligation.