The complexity and sometimes confusion inherent in searching for a car insurance policy for a country with which you are not intimately familiar is precisely why the services of expatriate-focused Car Insurance Brokers In Portugal – such as ourselves here at Ibex – are so important.
We feel that one of our duties is therefore to educate expats seeking such insurance on some of the misconceptions and inaccurate presumptions that can arise in relation to topics like the below.
Yes, you can tow a trailer or caravan on your policy with us
You may have presumed that you wouldn’t be able to tow a caravan or trailer as an Ibex car insurance policyholder in Portugal, but you actually can – subject to certain conditions.
These include the trailer or caravan not being used on a commercial basis, as well as your vehicle and the trailer or caravan not exceeding a combined total of 10 metres when the latter is being towed.
No, you don’t need to produce an IPO certificate to secure cover
An IPO certificate is the Portuguese equivalent of an MOT certificate, and we do not ask you to produce this before we insure you.
However, it is still crucial to ensure your vehicle is roadworthy at all times, which is what the IPO certificate demonstrates. It is therefore still important in its own way.
Yes, you can take your vehicle outside Portugal
Many expats comparing car insurance brokers in Portugal imagine that they wouldn’t be covered if they took their vehicle outside their country of residence – or at least, not without an additional charge.
Here at Ibex Insurance Services, however, our policies actually include free foreign cover for temporary visits to any European Union member country, as well as to the Isle of Man, the Channel Islands, Finland, Norway and Switzerland.
Again, however, there are particular conditions to be borne in mind, so we would urge you to consult our FAQs for further information and contact us in case of doubt.
No, you aren’t insured under your own policy when driving someone else’s vehicle
If you are driving a vehicle that doesn’t belong to you, you need to ensure that the owner of the vehicle has arranged through their own insurance policy for you to drive it.
Yes, you can transfer your no-claim discount from your previous insurer
As long as the no-claims bonus that you have earned was in an EU country, you are able to use this towards your Ibex policy for Portuguese roads. We will accept written proof of this from your last insurer.
Matters like the above are vital to clarify before you commit to any particular car insurance brokers in Portugal. Fortunately, we are one of the most trusted such brokers in the expatriate market, so you can be confident of your needs being served by a well-tailored policy from us.
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