According to Decree-Law 291/2007, it is compulsory to take out Motor Third Party Liability Insurance when purchasing a vehicle.
The acquisiton of a motor insurance policy is always a safeguard in case of claims or accidents, providing the client with specialised and personalised support over the length of the product.
In this way, we guarantee all the skills and experience that allow for a quick and efficient outcome of the process, as well as the safeguarding of the client’s interests.
We guarantee the safety of your vehicle in an effective and tailor-made way.
Protect yourself and your family. A health insurance is the ideal protection, nowadays, taking into account the worsening situation of the national health system, with financial limitations and lack of resources, it is essential to have a health insurance that assures your family the necessary treatment and health care, from the simplest and everyday situations, to the most extreme cases such as serious illnesses.
With the increase in the offer of health insurance in Portugal, we now have a wide and varied offer, some with very interesting coverage and very affordable prices, starting from 250 euros per year, making health insurance accessible to practically all families.
A life insurance policy guarantees you or your beneficiaries a capital sum in the event of death or permanent disability, providing you and your beneficiaries with financial support to ensure the best possible quality of life.
Even if you have a life insurance linked to your mortgage, you should bear in mind that this insurance only safeguards the capital owed to the bank, but in case of disability or death, there are other concerns, namely with the children and the rest of the family, in addition to the policyholder himself in case of disability, as the difficulties do not end when you pay the mortgage to the bank.
Guarantee extra capital to help with expenses, your children’s education, etc., basically to ensure a better quality of life for you and your family by taking out life insurance for this purpose.
This insurance guarantees payment to the bank of the capital owed in the event of death or disability and is usually taken out with the bank when the loan is taken out, so the beneficiaries are not always properly informed, especially in the case of disability cover, which can be either ADI (Absolute and Permanent Disability) or TPI (Total and Permanent Disability).
Disability is perhaps the most serious situation that can occur in a family household, even worse than death, since in the case of disability, in addition to the fact that the person stops contributing to the family income by ceasing to work, in many cases household expenses increase notably, since a dependent person who requires treatment and care represents a very high expense.
This insurance covers damage to your home, whether to the building, its contents or both.
A fire insurance policy is compulsory for buildings that are part of the horizontal property, according to article 1429, paragraph 1 of the Civil Code.
COVERS
Multi-risk policies offer a wider range of coverages, based on nominative and predetermined guarantees or on a broader All Risks basis with no restrictions on accidental damage or theft.
The determination of the insured value should correspond to the reconstruction cost in the case of the building and to the replacement value as new for the contents.
In everyday life, we are subject to unforeseen events or accidents which, although unavoidable, can be mitigated.
The best thing to do is to prevent them, as nobody is free from falling down a flight of stairs, slipping on a wet floor etc.
For this reason, Personal Accident Insurance guarantees your protection in these events, ensuring you compensation amounts depending on the seriousness of the event, with all the comfort and without interfering with your financial stability.
Boán & Lamas Lda, is registered with the ASF since 10 November 2022, with the category of Insurance Agent, under no. 422577037, with authorisation for Life and Non-Life branches, verifiable at www.asf.com.pt.
