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Photo of a seaside town in PortugalCar Insurance for Expats

Expat Car Insurance Portugal

If you have moved to Portugal but would like to still drive your UK-registered vehicle there, Sterling can help you find insurance to cover you. We can cover your car, van or campervan whether you’re retired, working or simply enjoying a different way of life. Prices start from £350.

Expat Car insurance from just £350!

Why choose Sterling expat insurance?

Some British expats who have set up residence in Portugal prefer to take their UK-registered vehicle with them. It can be used to explore the region that’s now home, and also to pop back to the UK for visits.

Sterling has access to various insurance providers so you find the best deal on Portuguese car insurance for expats. As long as your UK-registered car is in Portugal for at least eight months of the year, we can provide insurance cover.

Whether you’ve chosen a rambling retirement home on Portugal’s Atlantic coast or an activity home on the Algarve, Sterling will find you motor insurance cover that suits your needs.

Call us direct – our best prices are usually over the phone.

The benefits of getting a policy with Sterling

Prices start from £350
Cover for expats living in Portugal
Travel for additional countries possible
Covers all types of car, van, camper and motorhome
Legal protection up to £100,000 included
European breakdown cover, keycare, misfuelling, windscreen (optional extras)
Claims hotline open 24/7

Prices start from £350 a year

Sterling compares quotes from a panel of insurance companies so you get the very best deal. Phone one of our experts who will find a quote that works for you and your needs. Let us do all the work for you.

Cover for all types of car, camper and motorhome

With our policies, your vehicle must be registered in the UK and used abroad for at least eight months of the year. We offer cover for all insurance groups and also modified cars, left hand drive imports or classic cars if you own something different.

Optional extras such as breakdown cover, misfuelling and keycare

Whether you break down in Portugal or while you’re in the UK, Sterling’s home-start and breakdown cover can help you get back on the road. We also offer keycare, and windscreen as optional extras with our policies.

Cover for expats in Portugal

Sterling can insure a UK-registered vehicle whether you’ve retired to Portugal or relocated there for work. We can also arrange cover if you plan on driving to additional European countries, and even further afield as well.

Legal protection up to £100,000 included

Our legal cover is a standard feature in our car insurance policies. So if you are ever involved in an accident that isn’t your fault, it can help you recover any out of pocket expenses afterwards.

Claims hotline is open 24/7

Sterling’s UK claim line is open 24 hours a day, 365 days a year. If you need to make a claim, we will be here for your call.

Get a quote with us!

It's easy.

What else is included with Sterling’s motor insurance?

  • Modifications price-matched on a like-for-like basis
  • Independent agreed value cover available
  • Salvage retention options after an accident
  • Cover for dismantled parts
  • Uninsured loss recovery for non-fault claims

How do I get an expat insurance quote from Sterling?

Why should I choose a UK-based company for expat car insurance?

Our customers tell us that many Portuguese insurance companies struggle to insure British cars owned by expats, especially if they need to drive back to the UK regularly for work or to visit family and friends.

And companies that can provide a quote usually demand you re-register your car in Portugal, which is yet another admin chore.

However, Sterling offers specialist expat insurance for Brits living in Portugal. They provide comprehensive cover while you live and drive in Portugal, and Green Card insurance when you need to come back to the UK.

As long as you keep your UK-registered car abroad for at least eight months of the year, Sterling will provide cover that allows you to use the same car, van or campervan in Portugal that you drove in the UK, eliminating the need to buy a new car abroad.

Even better deals over the phone

Our best policies and prices do not appear on price comparison sites and are not available online.

So let us compare prices with the levels of cover available. We’ll take quotes from multiple insurance providers to ensure you get the very best deal.

Help is here when you need it

Sterling’s claim line is open 24 hours a day, 365 days a year.

If you ever need to make a claim, someone will be here for you at the other end of the phone.

Our staff are based in the UK

Whether you’re calling for a quote or want to make a claim, our staff are based in the UK and ready for your call.

As soon as you agree the policy terms, your insurance can be issued on the same day.


30 years’ experience in the industry

Our senior staff have been working in the insurance industry for 30 years.

It means we can help if you need to find cover for situations or circumstances that are a bit more specialist.

Get a quote with us!

It's easy.

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