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ok! auto expat

Car insurance that speaks your language

New to Portugal? Get covered in minutes - fully online, from quote to contract.
Rated best car insurance in Portugal by DECO PROteste

Subject to the applicable minimum premium, for Auto insurance policies taken out from 01/04 to 31/05/2026. Discount applied to the commercial premium.
ok! auto expat

Car insurance that speaks your language

New to Portugal? Get covered in minutes - fully online, from quote to contract.
Get a quote
Rated best car insurance in Portugal by DECO PROteste

Subject to the applicable minimum premium, for Auto insurance policies taken out from 01/04 to 31/05/2026. Discount applied to the commercial premium.
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Save 25% on your car insurance now
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Expat quick guide

What you need to get started

veículo-substituição-auto

Valid driving license (EU/International)

responsabilidade-civil-auto

NIF (Portuguese tax number)

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Portuguese mobile phone number

Good to know before you start

Is your driving licence valid in Portugal?
According to the Portuguese road authority (IMT), licences issued by EU/EEA, OECD and CPLP countries, as well as countries covered by international road traffic conventions, may be used in Portugal. In some cases, driving is limited to 180 days, after which the licence must be exchanged. 
Driving a foreign-plate car?

 Only vehicles with Portuguese licence plates are eligible for insurance. If your car still has foreign plates and is being registered in Portugal, please contact us so we can help. A proof of the registration process issued by the Portuguese Tax and Customs Authority (AT) is required.

What's legally required?

 Third-party liability (Civil Liability) is mandatory for all vehicles in Portugal. All ok! auto plans include it. Driving without it can lead to heavy fines and vehicle immobilization. 

The right coverage for all your needs

semiannual
annual

simple

from
12,22€/month 11,68€/month
Civil Liability
Driver Protection

Covers damage you may cause to other people or vehicles. This is the mandatory minimum cover. 
Get a quote
Get a quote

smart

from
19,61€/month 17,93€/month
Civil Liability
Driver and Passenger Protection
Vehicle replacement due to breakdown
Isolated Glass Breakage
Theft or Robbery
Natural Phenomena

 Covers your car against damage from events outside your control, except collision, crash and rollover.
Get a quote
Get a quote

premium

from
35,72€/month 31,53€/month
Civil Liability
Driver and Passenger Protection
Vehicle replacement due to breakdown
Isolated Glass Breakage
Theft or Robbery
Fire, Lightning, and Explosion
Collision, Crash, or Rollover

 Covers your car, including damage from collision, crash and rollover.

Get a quote
Get a quote

Important information: This example is for illustrative purposes only. Run your own quote simulation to see the price for your specific situation. The amount in this example is based on a set of assumptions, such as the data provided and the absence of any aggravating risk factors. These assumptions are subject to confirmation by the Insurer. The premium shown above is based on a driver of a FORD Puma 1.0 from 01/2024 (type 940859), with 20 years of driving experience and 6 consecutive claim-free years of insurance, with a €500 deductible, residing in Redondo, and having chosen payment by direct debit. Any legal change made after the applicable tax or parafiscal charges have been set must be considered by the Insurer at the time the contract is issued. Together with the first payment, the amount corresponding to the cost of the current policy is charged. The coverages indicated are subject to compensation limits, deductibles, and waiting periods in accordance with the applicable General and Special Conditions. The premium in this example, as well as the verification of the respective assumptions, is subject to confirmation and acceptance by the Insurer. This example is valid until December 31, 2025, without prejudice to the possibility of changing the quoted premium if any legal change occurs after this date that results in a modification of the applicable tax or parafiscal charges at the time the contract is issued. 

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The process is simple and fast

How to get ok! auto insurance

simular-auto

Get a quote

Answer a few quick questions and see your price instantly. 
escolher-auto

Choose a plan

At ok! there’s a plan that fits your needs. You’re covered.

processo-vistoria-auto

Inspect on our App

Need own damage coverage? No problem. Simply inspect your vehicle on our app, and you’re good to go. No garage needed.

We go beyond coverage

We offer more benefits

English-speaking support

Need help in English? Our dedicated support team is here at every step, from quote to claims.

24/7 Assistance from Fidelidade

In case of accident or breakdown, you can rely on Fidelidade Assistance, a market leader with over 20 years of experience.

Nationwide repair network

Access a network of repair shops across Portugal, with experienced professionals. All repairs include a legal warranty of up to 3 years.

Electric car? No problem!

If your battery runs out, we tow your car to the nearest charging station. 

Appointment for assessment in less than 12 hours

Report your accident in the Customer Area and we’ll schedule the assessment within 12 hours. 

Digital inspections - no garage visit needed

Complete your inspection for own damage coverage directly in your phone, without going to a garage. 
Vamos além das coberturas

Oferecemos mais vantagens

Rede de oficinas avaliada em 8,2/10

Vasta rede de oficinas em todo o país, reconhecida pelos nossos clientes quanto à sua qualidade e tempo de reparação (Inquérito de Satisfação) Procurar oficina mais próxima

Rede de oficinas avaliada em 8,2/10

Vasta rede de oficinas em todo o país, reconhecida pelos nossos clientes quanto à sua qualidade e tempo de reparação (Inquérito de Satisfação) Procurar oficina mais próxima

Assistência 24/7 da Fidelidade

Em caso de acidente ou avaria, conte com a assistência especializada da Fidelidade Assistance, líder de mercado com duas décadas de experiência. Ver assistência em viagem

Assistência 24/7 da Fidelidade

Em caso de acidente ou avaria, conte com a assistência especializada da Fidelidade Assistance, líder de mercado com duas décadas de experiência. Ver assistência em viagem

Marcação de peritagem em menos de 12h

Participe o sinistro pela Área de Cliente e marcamos a peritagem do seu carro em menos de 12h. Saber mais

Marcação de peritagem em menos de 12h

Participe o sinistro pela Área de Cliente e marcamos a peritagem do seu carro em menos de 12h. Saber mais

Serviço WeCare

Acompanhamos de perto quem vê a sua vida mudar de um dia para o outro. Ver serviço WeCare

Serviço WeCare

Acompanhamos de perto quem vê a sua vida mudar de um dia para o outro. Ver serviço WeCare

Vistorias Digitais

Faça a vistoria para coberturas de Danos Próprios, através do telemóvel, sem se deslocar a uma oficina. Conhecer AutoDigital

Vistorias Digitais

Faça a vistoria para coberturas de Danos Próprios, através do telemóvel, sem se deslocar a uma oficina. Conhecer AutoDigital

Carro elétrico? ok!

Garantimos o reboque até ao posto de carregamento mais próximo. Ver Auto Elétricos

Carro elétrico? ok!

Garantimos o reboque até ao posto de carregamento mais próximo. Ver Auto Elétricos

Assistência GPS

Localização imediata do seu carro, em caso de Furto ou Roubo e, se for bom condutor, ainda pode receber até 20% de desconto. Descobrir a Assistência GPS

Assistência GPS

Localização imediata do seu carro, em caso de Furto ou Roubo e, se for bom condutor, ainda pode receber até 20% de desconto. Descobrir a Assistência GPS
Frame 1592

Trusted by drivers across Portugal

✓  + 200.000 customers insured
✓  8.5/10 customer satisfaction
✓ Awarded by Portuguese consumers

Frequently asked questions about car insurance

We are here to help you

Get a quote

Can I get insured straight away, even before re-registering my car in Portugal?

Only vehicles with Portuguese licence plates are eligible for insurance. If your car still has foreign plates and is currently being registered in Portugal, please contact us so we can help. 

Proof of the registration process issued by the Autoridade Tributária e Aduaneira (Portuguese Tax and Customs Authority) is required. 

Is my foreign driving licence valid in Portugal?

According to the Portuguese road authority (IMT), licences issued by EU/EEA, OECD and CPLP countries, as well as countries covered by international road traffic conventions, may be used in Portugal.

In some cases, driving is limited to 180 days, after which the licence must be changed to a portuguese one.
 
If you fall under one of these situations, you can take our ok! auto car insurance.

Can I transfer my no-claims bonus from my previous insurer?

Yes. Provide a no-claims certificate from your previous insurer and we'll take it into account when calculating your premium. We accept certificates from most European insurers.

Is a Portuguese tax number (NIF) required?

A NIF (Número de Identificação Fiscal) is required for any insurance contract in Portugal. There are two ways to get one: 

  • In person — visit any Finanças office or Loja do Cidadão. We recommend booking an appointment in advance by calling +351 217 206 707 (weekdays, 9am–7pm). Your NIF is issued on the spot.

  • Online — available for non-residents through a fiscal representative in Portugal. EU/EEA citizens can skip the fiscal representative if they register for electronic notifications via the Portal das Finanças or ViaCTT. 

Is the contracting process available in English?

Our support team is available to help you in English throughout the process. The contract documentation is currently in Portuguese, as required by Portuguese law — but we're here to guide you every step of the way so you never feel lost.

Do I need a Portuguese phone number?

Yes, a Portuguese mobile number is required to complete your policy. If you don't have one yet, all major Portuguese operators — NOS, MEO and Vodafone — offer straightforward plans that are easy to set up.

 
Get a quote

Contract Documents

Check the supporting documents for ok! auto. The pre-contractual and contractual information includes all details relating to the insurance and its exclusions.
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Informações Pré-Contratuais Pre-Contractual Information

Includes the Insurance Product Information Document (IPID).

 
Condições Gerais e Especiais General and Special Conditions

Full terms and conditions of your motor insurance.

 

 
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