Taking out temporary car insurance in Portugal is a practical convenience for drivers with small vehicles and temporary use. Indeed, a one-month car insurance is a possibility on which Portuguese insurers do not generally advertise. Although most insurance companies only purchase car insurance for a period of one year, it is possible to purchase temporary or short-term vehicle insurance, such as for a period of one month, for example. The possibility of a temporary car insurance is even more common if one speaks about classic cars or collection, for very reduced use (exhibition, parade ...). What are the specificities of a temporary car insurance in Portugal ? How to subscribe ? Lisbob, the expatriate assistant in Portugal, tells you all about temporary car insurance.
How to subscribe to a temporary car insurance?
The best solution for getting short-term car insurance in Portugal is simply talking directly with your insurer or insurance broker. If it does not offer the possibility of taking out a temporary car insurance for a period of one month, it can for example offer a contract of insurance of three months instead of one year.
Of course, the proposal, in terms of price and coverage, varies from one insurer to another. You must therefore contact as many insurers as possible in order to compare different offers and insurance and choose the one that suits you best. Also, it is common in Portugal to compete and negotiate. Feel free to show the various quotes obtained from various insurers to lower prices.
Is it profitable to insure your vehicle in the short term?
As can easily be guessed, underwriting short-term car insurance in Portugal is very expensive for the short time it covers. Compared to the daily values of an annual premium, the cost of temporary car insurance in Portugal will be higher.
How to choose a temporary car insurance?
To choose a short-term car insurance in Portugal, you must follow the same criteria as an annual car insurance. You can choose between all-risk motor insurance or third-party insurance. You can read our article about the differences between third-party and all-risk car insurance in Portugal. However, if the characteristics of the car to use temporarily are different from a "normal" car, Lisbob recommends that you take into account criteria such as coverage and try to reduce insurance costs to the maximum. You can contact our insurance partners to establish different quotes and choose the best offer to cover you.