Life in the policy
I have legal-expenses insurance: can I choose my own lawyer?
The statutory right of choice has a defined scope. Locate the cover, special rules and expense limits before assuming full payment.
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Other insurance
The answers you are looking for about other insurance. Choose an editorial series and explore one question at a time.
Articles in this topic
19 articles
Life doesn’t warn you
Does the insurer always have 30 days from claim notification to pay?
Under the general framework, Article 104 links the deadline to establishing the facts. Separate notification, assessment and payment becoming due without using the wrong starting document.
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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.
Read articleRenew
Annual instrument insurance: does it cover a tour of any length?
An annual policy may have its own foreign-trip limit. Compare the complete tour calendar with the musical instrument insurance proposal.
Read articleConversations at home
What is a musical instrument worth for insurance: is the old invoice enough?
Organise a musical instrument's identification, condition and value evidence. Distinguish equivalent acquisition cost, sentimental value and the accepted sum insured.
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Renting an Erasmus room: does liability insurance include the landlord’s belongings?
A reference to third-party damage does not explain every rented or entrusted item. Prepare specific checks for student accommodation insurance.
Read articleConversations at home
Renovating a shop: do the works, existing property and neighbours share one cover?
Use three lists to compare renovation insurance: new works, existing property and third-party liability. Avoid adding figures for different asset groups.
Read articleLife doesn’t warn you
Drone over 900 grams: when is insurance compulsory in Portugal?
Maximum operational mass matters for drone insurance. Check Portugal's national rule, the operation category and territory before flying.
Read articleConversations at home
Your instrument leaves home for rehearsals and concerts: is that journey described?
Review instrument insurance against actual use: home storage, rehearsals, concerts, transport and travel periods.
Read articleRenew
Emergency vet: does the insurance network work the same way out of hours?
Check the available service, treatment location and personal charges. A listed clinic does not prove round-the-clock availability or full payment.
Read articleThe condominium group
The lift broke down: do maintenance and insurance answer the same question?
Organise technical contact and insurance assessment without assuming a maintenance agreement includes every repair.
Read articleRenew
Review a quotation without losing the change history
Keep a clear record of versions, questions and replies without treating a revised quotation as an automatic change to an existing policy.
Read articleRenew
Changed contact details: will renewal information reach the right person?
Update contact details through the appropriate process and verify the record, distinguishing a channel preference from permission for unrelated marketing.
Read articleRenew
At annual review, is the premium the only figure?
Compare insurance proposals by period, cover, limits, excesses and costs, without confusing instalments with annual premiums.
Read articleLife in the policy
Send the right document version without unnecessary exposure
Check the request, recipient, version and channel before sharing insurance records, preserving originals where a separate copy is required.
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An insurance process is pending: which question moves it forward?
Ask about the missing item, next step and responsible party rather than resend everything, distinguishing internal reminders from legal deadlines.
Read articleLife in the policy
Request, quotation and policy: which stage has insurance reached?
Distinguish an insurance enquiry, quotation and policy. Learn what to ask to confirm the status and applicable start of cover in Portugal.
Read articleInsurance made simple
Monthly instalment and policy period: compare different dates
Use two timelines to separate insurance duration from payment dates without assuming monthly payments create a right to cancel freely.
Read articleInsurance made simple
Are the policy sum insured and a cover limit always the same?
Read sums insured and cover limits using a fictional example and practical questions, without treating the exercise as a claims calculation.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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