Pricing
Simple pricing. No hidden fees.
Our AI prices your specific situation — not a generic bracket. Below are starting points. Your actual price depends on your individual risk assessment.
All products
Where prices start — before the AI reads your situation
Auto Insurance
Home Insurance
Health Insurance
Honest disclosure
What the AI looks at when it prices your risk
The floor prices above apply to low-risk profiles. Your actual price depends on your driving history, property location, and health profile. Clean records come in below the floor. Higher-risk inputs push it up. The AI shows you which factors moved the number.
Factors that lower your price
- Low annual mileage (auto)
- Garage parking vs street (auto)
- No claims in the last 3 years
- Low-risk postal code
- Older, lower-value vehicle (auto)
- Long NIF registration history
Factors that raise your price
- High annual mileage (auto)
- Street parking in high-theft areas (auto)
- One or more claims in 36 months
- High-risk flood or crime zone (home)
- Pre-existing health conditions (health)
- Short NIF history
Questions answered
Pricing FAQ
No. We do not use brokers and do not charge broker fees. The price you see is what you pay — no commission layers, no referral markups. This is one reason our floor prices are below market averages for equivalent coverage.
No cancellation fee from us. Portuguese insurance law governs cancellation notice periods — these are stated in your policy document. For monthly policies, you typically cancel with one month's notice. For annual policies, the law provides specific windows. Your policy schedule will specify the exact terms.
At renewal, the AI re-runs your risk assessment with updated data — including any claims in the period. If your risk profile improved (fewer km driven, no claims, lower-risk parking), your price may decrease. If it worsened, it may increase. You will always see the renewal price in advance and have the right to cancel before it takes effect.
Each product is priced independently by the AI based on its specific risk inputs. We do not currently offer a bundling discount — the price integrity of individual assessment is the core proposition. If you hold multiple policies with us, each is priced on its own merits, which is how it should be.