Car insurance in Portugal: 2nd hand car purchases.

Go Back   Expat Forum For People Moving Overseas And Living Abroad > Europe > Portugal Expat Forum for Expats Living in Portugal

Portugal Expat Forum for Expats Living in Portugal The Portugal Expats forum is a community of people that have moved to Portugal from all over the World. This is the place for Expats to meet and discuss all aspects of the Portuguese way of life. Discuss anything from jobs, property in Portugal, culture, food, history and more.

Car insurance in Portugal: 2nd hand car purchases.


Reply
 
Subscribe to this Thread Thread Tools
  #1 (permalink)  
Old 4th April 2016, 06:00 PM
New Member
 
Join Date: Sep 2015
Location: UK
Posts: 30
Rep Power: 0
ExpatNick is on a distinguished road
1 likes received

Users Flag! Originally from uk. Users Flag! Expat in portugal.
Default Car insurance in Portugal: 2nd hand car purchases.

Hello All.

Does anyone have any guidance or advice to offer with regard to sourcing car insurance within Portugal?

I'm expecting to be resident there before too long and will need a car. I have no existing no-claims discount to transfer from anywhere, not because I've been a naughty boy but because I haven't owned a car for 20+years (I've made do with company cars, lease cars, hire cars - or more often than not - no car at all, which is not really a problem in Singapore or Macau or Hong Kong, all places I've been living in since 1993).

Are there any reputable 2nd hand car dealers around the Algarve / Baijo Alentejo areas? No Arthur Daleys please!!

Finally, any info on the PT equivalents of road tax, MOTs, etc?

Many thanks!

Reply With Quote Quick reply to this message
  #2 (permalink)  
Old 5th April 2016, 06:08 PM
Member
 
Join Date: Jun 2011
Location: Nodeirinho Portugal by way of the UK & South Africa
Posts: 2,909
Rep Power: 1750
travelling-man has a reputation beyond reputetravelling-man has a reputation beyond reputetravelling-man has a reputation beyond reputetravelling-man has a reputation beyond reputetravelling-man has a reputation beyond reputetravelling-man has a reputation beyond reputetravelling-man has a reputation beyond reputetravelling-man has a reputation beyond reputetravelling-man has a reputation beyond reputetravelling-man has a reputation beyond reputetravelling-man has a reputation beyond repute
911 likes received
921 likes given

Users Flag! Originally from uk. Users Flag! Expat in portugal.
Default

Road tax is calculated on engine size & age of vehicle so newer cars with big engines cost more than old cars with small engines & going from memory I pay around €125 per year for my 2000 model 4x4 with 3.2 TDI engine & the same car costs about €180 per year to insure.

It's almost impossible to get properly kosher fully comp cover for cars over 5 years old for some bizarre reason.

MOTs are done annually & cost about €30

Reply With Quote Quick reply to this message
  #3 (permalink)  
Old 6th April 2016, 10:17 AM
Member
 
Join Date: Sep 2010
Location: Central Portugal
Posts: 368
Rep Power: 0
Maggy Crawford is on a distinguished road
186 likes received
64 likes given

Users Flag! Originally from england. Users Flag! Expat in portugal.
Default

I agree about fully comprehensive insurance not being generally available. We have a very good broker who acts for Zurich and we got it for our car, which was more than five years old, as did my brother in law. Usually, you have to own the car for fewer than five years and when it gets over that age you can continue to have fully comprehensive. Best to shop around but that is our experience.

Reply With Quote Quick reply to this message
Sponsored Links
Advertisement
 
  #4 (permalink)  
Old 6th April 2016, 11:25 AM
New Member
 
Join Date: Sep 2015
Location: UK
Posts: 30
Rep Power: 0
ExpatNick is on a distinguished road
1 likes received

Users Flag! Originally from uk. Users Flag! Expat in portugal.
Default

Thanks to all who've replied.

Do your experiences suggest it would be possible to build up no claims for a year or two with a run-around (i.e. a wreck - but a legal one), then buy a new(er) car and find comprehensive cover?

Reply With Quote Quick reply to this message
  #5 (permalink)  
Old 6th April 2016, 02:02 PM
Member
 
Join Date: Jun 2011
Location: Nodeirinho Portugal by way of the UK & South Africa
Posts: 2,909
Rep Power: 1750
travelling-man has a reputation beyond reputetravelling-man has a reputation beyond reputetravelling-man has a reputation beyond reputetravelling-man has a reputation beyond reputetravelling-man has a reputation beyond reputetravelling-man has a reputation beyond reputetravelling-man has a reputation beyond reputetravelling-man has a reputation beyond reputetravelling-man has a reputation beyond reputetravelling-man has a reputation beyond reputetravelling-man has a reputation beyond repute
911 likes received
921 likes given

Users Flag! Originally from uk. Users Flag! Expat in portugal.
Default

Quote:
Originally Posted by ExpatNick View Post
Thanks to all who've replied.

Do your experiences suggest it would be possible to build up no claims for a year or two with a run-around (i.e. a wreck - but a legal one), then buy a new(er) car and find comprehensive cover?
I didn't even think to ask about NCB when I came here but didn't find vehicle insurance particularly expensive either........ but it might be worth doing that if you feel the need.

Alternatively, wait until you get here and then ask for quotes for various vehicles.

I've just renewed the road tax on two of mine today. They're right at opposite ends of the spectrum but this might help you get a further idea of costs.

One is a 125cc mini motorcycle which is now 3 or 4 years old and that cost €5 and odd for the year and the other is a 5.9 litre V8 classic which is rated at €776 per year but I'm glad to say is registered as a car of historical interest to PT which makes it exempt from road tax.

On the subject of motorcycles: Parking in many Portuguese villages/towns is often hard to find, especially in the tourist season and a little two wheeled runaround is often worth it's weight in gold in the summer months!

Reply With Quote Quick reply to this message
Reply


Tags
car, insurance, mot, purchase, second hand

Quick Reply
Message:
Options

Register Now

In order to be able to post messages on the Expat Forum For People Moving Overseas And Living Abroad forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.
User Name:
Password
Please enter a password for your user account. Note that passwords are case-sensitive.
Password:
Confirm Password:
Email Address
Please enter a valid email address for yourself.
Email Address:
Location
Where you live
Expat From Country
Please select the country you originate from. This will appear as a flag when you make posts on the site.
Expat To Country
Please select the country you have either moved to or want to relocate to. This will be presented on the site when you make posts.

Log-in


Thread Tools

Posting Rules
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Car purchase, new or 2nd hand Alanzo Thailand Expat Forum for Expats Living in Thailand 12 1st August 2015 06:39 AM
Buying a 2nd hand car kleng Other Asia 15 5th September 2013 08:41 PM
Can you insure a 2nd hand car if? Eamon Dubai Expat Forum for Expats Living in Dubai 2 8th August 2013 08:01 AM
Buying a 2nd hand car Neely Canada Expat Forum for Expats Living in Canada 3 13th February 2013 10:55 AM
2nd hand car aircon solutions tootie Dubai Expat Forum for Expats Living in Dubai 0 23rd April 2012 06:20 PM

FORUM PARTNERS

ExpatForum.com is owned and operated by VerticalScope Inc.

Retiring Overseas Guides | Moving Overseas Guides | Cost of Living | Health Care Guides


All times are GMT. The time now is 12:56 AM.


Powered by vBulletin®
Copyright ©2000 - 2019, vBulletin Solutions, Inc.
Search Engine Friendly URLs by vBSEO
vBulletin Security provided by vBSecurity v2.2.2 (Pro) - vBulletin Mods & Addons Copyright © 2019 DragonByte Technologies Ltd.