Car insurance recommendations? – Cars, Transport & Getting Around – Expats Portugal Community Forum
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Car insurance recommendations?

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Posts: 252
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Topic starter
(@itexpert7)
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Joined: 2 years ago

Hello, I just bought and imported an almost new BMW from Germany, paid the little 1013 euro import tax, and got my Portuguese plates.
Is it really obligatory to screw the plates on the car?? In UK and Germany they just stick them on.

Anyone can recommend any decent value car insurances?
I assume there is no insurance comparison website over here 🙁
And do I really have to place an insurance disc on the windscreen? Post here takes forever, I need the car insured ASAP.

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Posts: 1269
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(@crazy-russian)
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Joined: 16 years ago

you will get a green 'square' from insurance company when you buy a policy...this MUST be shown in windscreen, it also shows the annual IPO date due...again it MUST be shown in windscreen

 

we use a broker in Caldas who is very good (and speaks english) but insurance carrier is Tranquilidade, so far no problems

(apart from not being allowed to travel so not using car and not getting IPO updated etc etc)

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(@old-bloke)
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Posted by: @itexpert7

Only thing missing is finding a way to register my British licence, as I cannot find a way to do it online!

You can only register licences issued by an EU member state, which obviously the UK hasn't been since 01/02/20, you will have to exchange it.

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Posts: 252
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Topic starter
(@itexpert7)
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Joined: 2 years ago

Thanks, but also we're allowed to exchange (due to Corona) until 31/12/2021 which then contradicts the obligation to register the licence within 3 months 😀

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(@old-bloke)
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@itexpert7

The extension is nothing to do with Corona and what it relates to is explained in the opening pre-amble of the implementing law, 25-B/2021.

The Corona extensions for PT licences (and temporary paper permits issued during the exchange process), citizen's cards, resident's permits etc is an entirely separate piece of legislation, 22-A/2021.

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(@old-bloke)
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@itexpert7

I should have mentioned that there is no obligation to register a third country licence, such licences MUST be exchanged (if they are an exchangeable licence), and as I said previously UK licences are a third country licence notwithstanding the transitional provisions implemented by Decreto-Lei 25-B/2021.

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Premium Member
(@itexpert7)
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@old-bloke

Sure must be exchanged, but my residency Loule Camara appointment is on 28th June! As they were closed for FOUR months and they are not in a hurry.
I thought of registering my licence in the mean time, as I'm here many months.

But luckily UK licences have been extended for 1 year, so no hurry:
https://algarvedailynews.com/news/18941-recognition-of-uk-driving-licences-in-portugal-is-extended

But it says "For those who have been resident in Portugal for longer than 60 days, and are still driving with their UK licence, they should have registered their address with IMT. "
That is the reason I'm asking for registering my licence. Any advice on that please?
Or do you think the newspaper is wrong?

That's my experience in bureaucratic countries, every source says different contradicting stuff, like for changing the financial address and being tax resident in Portugal (been told 3 different contradicting ways from official sources), and the e-moped thing (the law you sent is 250watts and 25km like in EU, but the reality utterly different, local moped shop said limit is 2000 watts and 45km and they sell loads with no plates or insurance!). Madness!

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(@old-bloke)
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@itexpert7

They are quoting part of what is written in Lei 25-B/2021 and then they have added the old pre Brexit rule regarding registering a licence within 60 days which no longer applies to UK licences.

All 25-B has done is stopped your licence from becoming invalid for driving after 90 days of becoming resident, and allows it to be exchanged before 31/12/21 under the same criteria as an EU licence is, instead of what would have applied to a UK licence without 25-B (a third country, International Treaty licence).

Here's the link to 25-B if you want to read exactly what it says.
https://data.dre.pt/application/conteudo/160534624

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(@old-bloke)
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Posted by: @itexpert7

the e-moped thing (the law you sent is 250watts and 25km like in EU, but the reality utterly different, local moped shop said limit is 2000 watts and 45km and they sell loads with no plates or insurance!). Madness!

250 watts and 25 kph is the limit for an electric bicycle (no driving licence, registration or insurance required), above that it would become an electric moped/motorcycle. 

Article 112.6 of the Código da Estrada;
Quem circular de trotineta ou dispositivo de circulação com motor elétrico, autoequilibrado e automotor ou em meio de circulação análogo com motor, equipado com motor com potência máxima contínua superior a 0,25 kW ou atinja uma velocidade máxima em patamar superior a 25 km/h, em desrespeito das características técnicas e do regime de circulação previstos no número anterior, é sancionado com coima de (euro) 60 a (euro) 300.

Article 117.8 of the Código da Estrada;
Quem puser em circulação veículo não matriculado nos termos dos números anteriores é sancionado com coima de (euro) 600 a (euro) 3000, salvo quando se tratar de ciclomotor ou veículo agrícola, casos em que a coima é de (euro) 300 a (euro) 1500.

But why would the shop care, they've got a sale and it's the person using it who is liable.

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