Reputable General Insurance Agents Ready to Serve You

Start by checking ratings and recent reviews, then verify the agent or brokerage on Portugal’s ASF public register. Prioritise English‑speaking general insurance agents in Lisbon who offer transparent quotes and quick responses. Ask for expat references and sample policy summaries so you can compare coverage, exclusions and claims support.

General insurance agents in Lisbon can arrange motor, home and contents, renters, travel, personal liability, and business covers such as public liability and professional indemnity. Many also handle private health via partner insurers. They compare multiple insurers and tailor deductibles, add‑ons and limits to your relocation or corporate needs.

Prices are set by individual insurers and agents, paid directly to them, and are not listed on Locallista. As a guide, third‑party car insurance in Lisbon can start around €150–€300 per year, comprehensive €400–€900; renters contents €60–€180; home building and contents €150–€400; travel single‑trip €15–€40. Always request like‑for‑like quotes.

Expect to provide your passport or ID, Portuguese NIF, proof of address and IBAN. For car insurance, insurers often request a no‑claims bonus letter and your driving licence; for home or renters, a tenancy agreement or deed; for business, company details and turnover. Keep documents in Portuguese or English where possible.

Most English‑speaking insurance agents in Lisbon offer consultations and key documents in English, but legally binding policy wordings are often in Portuguese. Ask for bilingual schedules or an English summary of cover and exclusions, and clarify which version prevails in a dispute before you bind cover.

When a loss occurs, report it to the insurer’s claims line and your agent, who can advise on forms, photos and deadlines. You’ll receive a claim number and updates on assessors or repairs; proactive agents help escalate issues and clarify deductibles, excesses and settlement timelines.

Many Lisbon insurers accept an overseas no‑claims discount if you supply an official letter on insurer letterhead showing years claim‑free, policy dates and vehicle details. Some may require a certified translation; acceptance and the percentage applied vary by insurer, so ask your agent to confirm before quoting.

Yes, same‑day cover is often possible for motor, travel and straightforward renters or contents policies, subject to underwriting and complete documents. Home or business insurance may need inspections or questionnaires, which can add time, but a responsive agent can fast‑track submissions and electronic signatures to keep you moving.

In Lisbon, building insurance is often arranged by the condominium, but tenants typically need contents cover and civil liability to protect against damage to the landlord’s property or neighbours. Check your lease for minimum sums insured and provide proof of cover if requested before move‑in.

Portuguese non‑life policies commonly renew automatically; give written notice to cancel or switch, usually at least 30 days before renewal. Mid‑term cancellations depend on policy terms and may allow pro‑rata refunds; coordinate start and end dates to avoid gaps, and ask your agent to transfer any no‑claims evidence.