The Indie blog
From the Indie team
Insurance explained plainly. Practical guides for Portuguese consumers.
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Comparing Private Health Plans in Portugal: What the Brochures Don't Tell You
We analysed the standard health plan documents from major Portuguese insurers and found four common exclusions that surprise most new policyholders. Here is what to look for.
Why Car Insurance Prices in Portugal Went Up in 2025 — and What You Can Do
Repair costs, parts scarcity, and claims frequency drove market rates up 12-18% across Portuguese auto insurers in 2025. Here is how to avoid paying that increase.
Flooding in Portugal: Is Your Home Insurance Actually Covering You?
Many standard home policies in Portugal exclude flood damage by default. After the 2024 floods in the Setúbal district, we saw how many homeowners found out too late.
The 8 Factors That Determine Your Car Insurance Price in Portugal
Vehicle age, kilometres driven, garage vs street parking, postal code, claim history, NIF seniority — here is how each input moves your premium, and what you can actually control.
Year One: What We Learned Building an Insurtech in Portugal
We launched Indie in 2024. Here is an honest account of what surprised us about the Portuguese insurance market, what we got wrong in v1, and what we changed.
Digital Insurance Policy vs Paper Policy: Does It Hold Up Legally in Portugal?
A digital policy is legally identical to a paper one under Portuguese law. We explain the specific regulations, what a digital document must contain, and how to prove coverage to police or a landlord.
Filing an Insurance Claim in Portugal: What Moves Slowly and What You Can Speed Up
Claim delays in Portugal are usually documentation problems, not insurer bad faith. We explain which documents to have ready before something goes wrong.
Three Minutes from Quote to Policy: How the Technology Works
We pull back the curtain on the Indie pricing engine — how risk models trained on anonymised actuarial data turn six questions into a legally binding policy in under 180 seconds.
Private Health Insurance in Portugal: A Guide for Expats and NHR Residents
The SNS is free but slow. Private health cover fills the gap for specialist appointments, diagnostics, and maternity. Here is what the plans actually cover.
Home Insurance for Lisbon Renters: What You Actually Need
Renting in Lisbon? Your landlord's insurance does not cover your belongings. We break down what renter's insurance covers, what it costs, and why most tenants skip it.
Switching Insurance in Portugal: A Step-by-Step Guide
Portuguese law gives you the right to switch insurers. Here is exactly how to cancel your current policy, time the switch right, and avoid coverage gaps.
How AI Prices Your Car Insurance in Real Time
Traditional car insurance puts you in a bracket. We explain how individual risk scoring replaces demographic averages — and why it usually means a lower price.