Appolices
BrokerageJanuary 2026 · 4 min read

Switching Insurance Broker in Portugal: Why You Have Nothing to Lose

Did you know you can change your broker without changing your insurer or paying an extra cent? Portuguese ASF law explained.

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Philippe Lima AntónioASF 322575544
Licensed Insurance Broker · ASF Registration No. 322575544
Portuguese insurance distribution law (DL 144/2006) strictly guarantees every policyholder's right to appoint or switch their authorized broker at zero cost, keeping the exact same policies, prices, and insurers.

Key Advantages

By switching to Appolices, you keep your current insurer (Fidelidade, Tranquilidade, Allianz, etc.) while gaining a dedicated personal broker to review renewal premiums and handle claims on your behalf.

In Summary

Switching broker takes under 2 minutes in the Appolices Wallet app with digital screen signing.

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Philippe Lima António

Licensed Insurance Broker · ASF Registration No. 322575544

Questions about coverage, market quotes, or broker transfer? We are here to help.

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