Frequently Asked Questions

Why should I get insurance?

Getting insurance is essential to ensure your safety and that of your family. In addition to protecting you from unexpected expenses, such as accidents or damage, insurance offers peace of mind by keeping you prepared for the unforeseen. In some cases, such as car insurance, it is also a legal requirement.

Why is car insurance important?

The owner or driver of a vehicle is responsible for any damage it may cause and, in the event of an accident, may have to pay significant compensation. To ensure that victims receive fair compensation — even if the person at fault cannot afford to pay — the law requires motor vehicles and their trailers to be covered by liability insurance. This type of insurance protects not only third parties but also gives you security and peace of mind in your daily life.

How can I get more information?

To get more information, you can contact us using the available details or fill out the form to request a call back.

Are pre-existing health conditions covered?

Coverage for pre-existing conditions varies between insurers; some may apply waiting periods or exclusions. It’s essential to review the policy details carefully.

What is home multi-risk insurance?

Home multi-risk insurance is a comprehensive solution that protects your house and its contents (furniture, appliances, personal belongings, etc.) against a variety of risks. Common coverages include fire, flooding, natural disasters, theft, water damage, liability, and more. This insurance can be taken out by both homeowners and tenants, and can be tailored to the needs of those living in the property. It’s a practical way to ensure financial protection and peace of mind in the face of unexpected events.

Is home insurance mandatory?

When it comes to housing, the only mandatory insurance is fire insurance, and only for buildings under a horizontal property regime — that is, buildings divided into individual apartments, commonly known as condominiums.

Is private health insurance necessary?

It’s not mandatory, but it can be beneficial for those seeking faster access to specialists or wanting coverage for services not included in the National Health Service (SNS).

What is the difference between a health plan and health insurance?

A health plan is not an insurance contract and is not subject to the same legal rules or to the supervision of the Insurance and Pension Funds Supervisory Authority.

Can an insurance contract be validly concluded online or by phone?

Yes, insurance contracts can be concluded remotely, whether by phone or online. However, before the contract becomes valid, the policyholder must receive all necessary information about the insurer and the contract terms. In addition, the policyholder must properly identify themselves and provide complete and accurate details about the risk being insured. This ensures transparency and protection for both parties.