Votre assurance au Portugal avec Inov Expat Your insurance in Portugal
call us +351308809541 +351910808061 FR | EN
MENU
  • Our countries
    • Spain
    • Portugal
  • Individuals
    • Car
    • Motorbike
    • Health
    • Health +65 years old
    • Dental
    • Home
    • Personal Accident
    • Life
    • Funeral
    • Travel
    • Pets
    • Boat
    • Expatriation
  • Business
    • Work Accidents
    • Store/Office
    • All-risks Company
    • Civil Liability
    • Health Company
    • Life Company
    • Communities / Buildings
    • D&O Liability
    • Decennial Liability
    • Hunting Liability
    • Construction All-Risks
    • Fleet
  • Clients
    • Declare a claim
    • Ask for a Certificate
    • Contract Modifications
    • Insurance Glossary
  • About us
    • INOV Expat
    • The team
    • What’s an Insurance Broker?
  • Collaborate
  • Blog
  • EnglishEnglish
    • FrançaisFrançais
    • EnglishEnglish

Car insurance in Portugal

Home | Car insurance in Portugal

Car insurance in Portugal

Professionals dedicated to expatriate insurance, INOV Expat puts all of its expertise at your service to secure the car insurance in Portugal that best adapts to your needs . We are an insurance brokerage firm that has been working with the best insurance companies in the market since our foundation in 2004 to be able to offer you car insurance in Portugal that is “customised” for you and at the best price. We will assist you with all phases of your car insurance, answering all your questions and, above all, acting as your liaison to defend your interests against insurance companies in the event of a claim. Don’t forget to ask for your quote and find the best car insurance in Portugal here

GET FREE CAR INSURANCE QUOTES ONLINE
  • Basic

  • €150year

  • Civil liability
  • Defence and appeals
  • 24/7 assistance
  • Windshield and glass repair
  • Theft
  • Fire
  • All accidents coverage
  • Quote
  • Intermediary

  • €200year

  • Civil liability
  • Defence and appeals
  • 24/7 assistance
  • Windshield and glass repair
  • Theft
  • Fire
  • All accidents coverage
  • Quote
  • Fully comprehensive

  • €350year

  • Civil liability
  • Defence and appeals
  • 24/7 assistance
  • Windshield and glass repair
  • Theft
  • Fire
  • All accidents coverage
  • Quote

FAQ

INOV Expat can advise and help you choose a policy thanks to its experience and knowledge of car insurance in Portugal, always communicating with you in English

Don’t forget to ask for your car insurance quote in Portugal here.

Can I insure my vehicle if it’s registered in England?

No, a vehicle registered in UK cannot be insured in Portugal. We recommend you quickly switch registration as your English insurance is valid for travel abroad only up to 60 days (90 days with certain companies). In any case, INOV EXPAT can help you find temporary insurance (up to 3 months) for a vehicle with English plates in Portugal as long as the owner can provide proof of initiating the registration switch process with documents from the Portuguese administration (IMMT).

How do I register my UK car in Portugal ?

It’s a rather long process as various administrative authorities intervene (vehicle inspection, IMTT, customs...): private service providers can manage all these procedures for you at a cost of around €500

After gathering all the documents proving legal purchase of the vehicle in UK (invoice, declaration of purchase, EU conformity certificate issued by the manufacturer or dealership, grey card...), you must complete and submit the IMTT (Portuguese Institute for Mobility and Ground Transport) Form 9 at an office or online. Then, your vehicle must pass a technical inspection at an official inspection centre (CITV) to receive form 112 (which indicates the carbon dioxide emissions rate that will determine the tax rate). Within 20 days after moving to Portugal, you must declare your car with the Portuguese customs authorities (Alfândega) to receive a DAV (Declaração Aduaneira do Veiculo) declaration certificate which is necessary for the registration application. That is when you can pay the tax on vehicles (ISV) through customs. It must be paid every year.

With the DAV, the original documents authenticated by the Portuguese customs authorities and forms 9 and 112, you can then apply for registration through the IMTT and then register your vehicle with the Conservatoria do Registo Automovel. .

What should I do if I’m involved in an accident?

If you’re involved in an accident in Portugal, the procedures are basically the same as in UK. The most important thing is to put on the yellow reflective jacket if you get out of the vehicle, set up the warning triangle and, of course, have your insurance up to date. First of all, you must call the police using one of the emergency call boxes or by calling 112 (European emergency number) which is accessible by all GSM irrespective of the operator. In fact, in Portugal, no vehicle involved in an accident may be moved before the police arrive on the scene. Then, depending on the time of day, you may either contact us or the insurance company directly. Everything will be done to send you a loaner vehicle or taxi as quickly as possible... Don’t forget to complete the “Declaração Amigável de Acidente Automóvel” (DAAA) which is the amicable record of an accident which must be completed and detailed with the identities of the drivers involved in the accident, insurance details and any witnesses. You must send us this declaration as quickly as possible to begin the handling and indemnity process.

To file a claim following an accident, call us during business hours or the number for your insurance company as found on your policy. You may call that number 24 hours a day.

We highly recommend checking the following document of the British Consulate in Lisbon: Importation of Motor Vehicles into Portugal.

You can also look at the Guidance Living in Portugal of the UK Government web site where you will find a lot of information about driving in Portugal.

Information

To protect yourself in the event of an accident, theft or a breakdown, you need car insurance in Portugal. The purpose of car insurance is to cover the driver’s civil liability as well as damages in the event of an accident. Insuring your vehicle with at least “third-party” cover is mandatory in Portugal; however, Inov Expat is able to recommend the best “damage” cover for the best protection for your vehicle in Portugal.

  • The premium

  • Regulations

  • Did you know?

The sum of the premium for your car insurance in Portugal depends on the type of guarantees and the insurance company chosen but also your driving record: your age, the number of years you have had a licence, your driving history with former insurance companies (bonuses/penalties), the use of your vehicle in Portugal, etc.

Owners of a vehicle registered in Portugal must pay a tax each year (IUC - single traffic tax). This tax must be paid the 1st of the month before the registration anniversary date directly online (portaldasfinancas.gov.pt): print the proof of payment, which is known as the DUC (Documento Unico de Cobrança).

Portugal and electronic tolls.

All Portuguese motorways since 2012 are payable via electronic tolls (“Electronic Toll Only-Portagem Electronica”). They collect tolls each time you pass under them via a transponder system such as the one used for the Green Lane, for example. Pre-paid cards are charged or photographs are taken of the vehicle registration plate. In the latter case, payments shall be made 48 hours to 15 days after passing under the toll at the Pagamento de Portagem toll collection website.

Download your guide for car insurance

Take a look at our car insurance guide INOV will assist you throughout your expatriate stay.
Download the guide and discover all the details regarding car insurance in Portugal. Questions? Contact us.
We’ll communicate with you in the language of your choice.

Download

More information

Car insurance: Take out your car insurance in Portugal

Car insurance: Take out your car insurance in Portugal

Car insurance: Take out your car insurance in Portugal Is car insurance compulsory in Portugal? In Portugal,  the only compulsory insurance that exists is third ...

READ MORE
What exactly is a brokerage firm?

What exactly is a brokerage firm?

What exactly is a brokerage firm?   Some ideas are hard to let go of… in insurance too! Many still believe “a broker obviously gets ...

READ MORE
Motorbike Insurance in Portugal : Know and Understand All the Ins and Outs

Motorbike Insurance in Portugal : Know and Understand All the Ins and Outs

Motorbike Insurance in Portugal : Know and Understand All the Ins and Outs   Avoid the traffic jams, enjoy the exceptional sun and excellent quality ...

READ MORE

Which insurance do you need?

Car

Home

Health

Business

Life

Civil Liability

Personal insurance

  • Car Insurance
  • Motorcycle Insurance
  • Health Insurance
  • Home Insurance
  • Life Insurance
  • Funeral Insurance
  • Travel Insurance
  • Pet Insurance
  • Boat Insurance
  • Insurance in Spain

Business Insurance

  • Store/Office Insurance
  • Company All-risks Insurance
  • Civil Liability Insurance
  • Health Insurance for Company
  • Life Insurance for Company
  • Accident Insurance
  • D&O Liability Insurance
  • Decennial Civil Liability
  • Construction All Risk
  • Insurance in Spain

Customers

  • Declare a claim
  • Ask for an International Insurance Certificate
  • Contract Modifications

Contact

Avenida da República
Nº 50 2nd floor
1050-196 Lisboa
Tel 1: (+351) 211 229 061
: (+351) 910 808 061
[email protected]

Copyright 2018 INOV é uma corretora de seguros dedicada a expatriados vivendo em Espanha e Portugal. Aproveite os melhores seguros de saúde, automóvel, residência, vida, RC, viagens, negócios... em Espanha e Portugal. Nós sempre te atendemos em teu idioma. | Política de privacidade | Política de Cookies | | Aviso Legal
  • Our countries
    • Spain
    • Portugal
  • Individuals
    • Car
    • Motorbike
    • Health
    • Health +65 years old
    • Dental
    • Home
    • Personal Accident
    • Life
    • Funeral
    • Travel
    • Pets
    • Boat
    • Expatriation
  • Business
    • Work Accidents
    • Store/Office
    • All-risks Company
    • Civil Liability
    • Health Company
    • Life Company
    • Communities / Buildings
    • D&O Liability
    • Decennial Liability
    • Hunting Liability
    • Construction All-Risks
    • Fleet
  • Clients
    • Declare a claim
    • Ask for a Certificate
    • Contract Modifications
    • Insurance Glossary
  • About us
    • INOV Expat
    • The team
    • What’s an Insurance Broker?
  • Collaborate
  • Blog
  • EnglishEnglish
    • FrançaisFrançais
    • EnglishEnglish
By continuing to browse the site you are agreeing to our use of cookies.