Auto Insurance
Car insurance priced on how you actually drive.
Six questions. No broker calls. Your policy ready before you reach the next red light.
Honest pricing
What actually determines your rate
What we look at
- Kilometres driven per year
- Vehicle age and model
- Garage or street parking
- Claim history (last 3 years)
- NIF registration age
- Postal code (risk zone)
What we ignore
- Generic demographic age brackets
- Age-based premiums not tied to driving
- Broker commission margin
- Opaque actuarial tables you never see
- Paperwork processing surcharges
Coverage options
Básico, Conforto, Total — pick the level that fits.
| Coverage | Básico | Conforto | Total |
|---|---|---|---|
| Civil liability (mandatory) | ✓ | ✓ | ✓ |
| Theft & attempted theft | ✕ | ✓ | ✓ |
| Glass damage | ✕ | ✓ | ✓ |
| Roadside assistance | ✕ | ✓ | ✓ |
| Comprehensive (own damage) | ✕ | ✕ | ✓ |
| Courtesy car | ✕ | ✕ | ✓ |
| Starting from | €14/mo | €22/mo | €38/mo |
All prices from. Your rate is calculated from your specific inputs — not a demographic average.
The process
Quote to policy in under 90 seconds
Enter vehicle details
Registration, mileage, parking type, claim history. Six questions total.
~60 secondsAI calculates your rate
Our model reads your inputs and prices your specific risk in real time.
~30 seconds AI pricingPolicy issued digitally
PDF policy and confirmation in your inbox. Legally binding under Portuguese insurance law.
~90 seconds totalQuestions answered
Auto insurance FAQ
Yes. Policies are issued through regulated insurance partners operating under Portuguese insurance law. Your digital policy has the same legal standing as any paper policy issued by a traditional insurer.
Prior claims are a factor in your price, not a disqualifier. Our AI adjusts the rate based on claim frequency and severity over the last three years. A single minor claim may have minimal impact — the model looks at patterns, not isolated events.
Yes. You can cancel your policy at any time through your account. Cancellation conditions and any applicable notice period are stated in your policy document. There is no early-cancellation penalty from us beyond what Portuguese insurance law requires.
You receive a PDF policy via email that is legally equivalent to a physical document under Portuguese law. You can print it, save it, or show it on your phone to authorities. No paper is required from our end.
IPO (Inspeção Periódica Obrigatória) status is separate from your insurance. We ask for your vehicle details but do not require a current IPO pass to issue a policy. However, an out-of-date IPO may affect any claims relating to vehicle condition — as it would with any insurer.
Rather than applying a blanket young-driver surcharge, our model looks at actual driving inputs: kilometres driven, vehicle age, parking location. A young driver with a modest car and low annual mileage will often price better with us than with traditional insurers who apply age brackets automatically.