Insurance in Portugal: three topics in focus for the week of 12 October

14 October: fire insurance sums insured return to the agenda

ASF published Public Consultation No. 6/2026 on a draft standard containing quarterly sum-insured adjustment indices for Fire and natural forces policies starting or renewing in the first quarter of 2027. The stated deadline for contributions is 4 November 2026.

This is a draft under consultation, not a final decision already applying to your policy. The publication alone does not allow an increase in your policy premium to be calculated.

RMACHADO GROUP’s practical perspective: use your next review to ask about the current buildings and contents sums insured and how adjustments work. This is an editorial suggestion for follow-up, not an announced change to your policy terms.

Sources: ASF — Public Consultation No. 6/2026, published on 14/10/2026 ↗ · ASF — Consultation text and contribution deadline ↗

14 October: long-term retirement savings

ASF announced the presentation on 27 October of the Observatório da Poupança de Longo Prazo para a Reforma, developed under an agreement with Universidade Nova de Lisboa.

At the date of this article, the presentation is a future event. We do not treat the announcement as though the new observatory had already published findings.

RMACHADO GROUP’s practical perspective: if you are organising savings, start by writing down the objective, when you may need the money and questions about risk, costs and access terms. An institutional announcement is not a recommendation to take out a specific product.

Sources: ASF — Observatory announcement, published on 14/10/2026 ↗

12 October: understanding compulsory motor insurance

ASF announced for 16 October the presentation of a book on Portuguese compulsory motor insurance law by Arnaldo Oliveira. The announcement refers to developments in the Portuguese and European framework.

A book launch is not a new law coming into force. This news does not establish that your policy, limits or premium changed this week.

RMACHADO GROUP’s practical perspective: current affairs can provide a starting point for clarifying what belongs to compulsory liability insurance and what depends on optional covers. Our motor insurance guide helps prepare that discussion.

Sources: ASF — Motor insurance presentation, published on 12/10/2026 ↗

How to use this review

We selected these topics for their relevance to decisions about homes, mobility and financial planning. This is not a ranking of searches, social media popularity or the most sought-after subjects: we do not yet have enough of our own data to support such a classification.

The dates distinguish publication of the news from the event announced. The sources allow you to check the framework and follow later developments. This article retains its edition date; it should not be read as a continuously updated report.

If news raises questions about a specific contract, bring the policy and a clear question to your discussion with the intermediary. The value of information lies in understanding what applies to your situation.