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The team will work at another site: does occupational accident insurance need updating?
Location, task and duration help describe the risk. Prepare the information before moving the team.
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Insurance made simple
The garage started dismantling the car before inspection: what should you record?
Urgent dismantling can change the evidence of damage. Preserve the timeline and communicate clearly with the garage, insurer and intermediary.
Read articleConversations at home
Health insurance in Portuguese IRS: is the €1,000 limit just for premiums?
Understand how eligible premiums share the health-expense tax credit. Sofia and Clara separate spending, tax credit and refund in a fictional example.
Read articleConversations at home
Portuguese mortgage: can the lender require disability cover in life insurance?
Separate the death cover a lender may require from additional cover offered with different mortgage terms. Understand the 2026 rule and prepare your comparison.
Read articleThe condominium group
Electric-car charging fire: which insurance should you notify?
Motor insurance, damage to your own car and damage to the building require different questions. Learn how to organise a notification and check the contract before assuming who pays.
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Hunting in the Azores: does a national hunting card replace the regional licence?
Azorean regional hunting licences apply to a specified island and season. Understand how they relate to compulsory insurance and prepare documents before travelling.
Read articleLife doesn’t warn you
Checked in or in your care: is the baggage cover the same?
Accompanied and unaccompanied baggage may have different benefits. Identify who had custody of the bag and which records help assess travel insurance.
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Your café is adding a kitchen: when must you tell the insurer?
A new business activity can change the insured risk. Understand when the Portuguese 14-day notification rule applies and prepare a business property insurance review.
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Is insurance for a leased asset only a bank requirement?
Portuguese finance-lease law also requires the lessee to insure the asset. Separate that duty from the lessor’s requirements and the actual policy benefits.
Read articleConversations at home
My child caused damage: must parents always pay?
Damage caused by a child does not automatically settle parental liability or insurance payment. Learn which facts and policy terms need clarification in Portugal.
Read articleLife in the policy
Lost a client’s documents: what should you check in professional indemnity insurance?
Separate document reconstruction, the client’s claimed loss and defence. Prepare the assessment without assuming payment or digital-file cover.
Read articleLife doesn’t warn you
Entering a mountain bike event: is your usual bicycle insurance enough?
For a public mountain bike event in Portugal, check the organiser’s sports insurance, your registration and personal cover. Includes published 2026 minimums.
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Can a CNPD fine be transferred to a Cyber insurance policy?
Separate a fine imposed on the business, civil compensation and defence costs. A Cyber coverage label does not override Portuguese legal restrictions.
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Work accident in Portugal: can I choose my treating doctor?
Portuguese work accident law sets a rule and exceptions for choosing the treating doctor. Distinguish urgent care, follow-up and a disputed discharge.
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Surety insurance: what should the beneficiary know if the premium is unpaid?
Portuguese surety insurance has a specific notice rule for an unpaid premium. Understand the beneficiary’s role and the meaning of a non-opposability clause.
Read articleThe condominium group
A measure to limit fire damage failed: must you always bear its cost?
Mitigation expenses are not assessed only by their outcome. Understand reasonableness, early reimbursement and how expenses affect the insured amount.
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The business and claimant use the same insurer: who handles the defence?
A conflict in business liability insurance requires specific explanations. Separate notification of the conflict, choice of defence and responsibility for costs.
Read articleLife in the policy
Life insurance: can a negligent disclosure error still be raised after two years?
Portugal’s two-year life insurance rule has a specific scope. Distinguish negligence, intentional concealment and supplementary covers when reading a refusal.
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Does personal accident insurance cover illness?
A hospital benefit does not establish illness cover. Compare the event, location and benefit using two specific product examples.
Read articleLife in the policy
Which recreational boats need compulsory third-party liability insurance in Portugal?
Check vessel type, engine and length against Portugal’s compulsory recreational-boat liability rules before comparing insurance proposals.
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Dangerous-dog insurance in Portugal: is the €50,000 minimum per claim or per year?
The minimum limit for compulsory dangerous-animal liability insurance applies to the policy year. Understand annual and per-claim limits before comparing cover.
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A machine damaged a wall: does casco also deal with third-party losses?
Machine damage and liability for a wall it hits are different questions. Check the liability section, equipment and activity in a machinery casco proposal.
Read articleLife doesn’t warn you
Erasmus: are university insurance and the EHIC enough for your stay?
Before buying additional Erasmus insurance, compare institutional cover and the EHIC against your activities, dates and mobility risks. Identify gaps without assuming duplication.
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Sustainable insurance investment: does ESG mean EU Taxonomy alignment?
An ESG reference does not establish EU Taxonomy alignment. Prepare the documents and questions needed to compare an insurance-based investment product.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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