Insurer profile
Zurich Insurance Europe AG, Branch in Portugal
Zurich Insurance Europe AG, Branch in Portugal · Portugal
Overview
Zurich Insurance Europe AG, Branch in Portugal, is part of Zurich Insurance Group. In 2024, following the transfer of Zurich Insurance PLC's seat to Germany, Zurich Insurance Europe AG was created, and the Portuguese branch's non-life business is now carried out under this entity, alongside the life-insurance subsidiary Zurich - Companhia de Seguros Vida, S.A.; the group has operated in Portugal for over a century, offering motor, home, health, travel, life, savings and business insurance solutions through a large network of agents.
Source30
Products in this market
3
Offer pages
Company details
- Parent group
- Zurich Insurance Group Ltd
- Regulator
- Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) – Insurance and Pension Funds Supervisory Authority
- Phone
- +351 213 133 100
- [email protected]
Products from Zurich Insurance Europe AG, Branch in Portugal
Motor4
Zurich Auto – Third-Party Liability Motor Insurance
Mandatory motor third-party liability insurance covering material and bodily damage caused to third parties, with coverage for catastrophic natural risks and acts of terrorism.
Zurich Auto – Comprehensive Motor Insurance
Comprehensive own-damage motor insurance for cars, offering flexible coverage, replacement vehicle in case of accident or breakdown, and an optional Pet Friendly cover for veterinary expenses.
Zurich Auto – Electric Vehicles Insurance
Motor insurance specifically designed for electric vehicles, offering robust comprehensive protection tailored to the needs of EV owners.
Zurich Auto – Motorhomes and Caravans Insurance
Comprehensive motor insurance for motorhomes and caravans, providing robust coverage for leisure vehicle owners.
Property6
Zurich Lar Flex – Home Multi-Risk Insurance
Flexible home multi-risk insurance with four coverage options, adjustable capitals and deductibles, home assistance for domestic emergencies, and optional earthquake/seismic cover.
Zurich Lar Seguro – Home and Contents Insurance (for Expats)
Home and contents insurance quickly and easily protecting the property and belongings of policyholders, including expatriates living in Portugal.
Zurich Condomínio – Condominium Insurance
Home insurance product designed for condominiums, protecting common areas and shared building elements.
Zurich Rural – Rural Property Insurance
Home insurance tailored for rural properties and farmhouses, adapting the coverage to the specific risks of countryside dwellings.
Zurich Obras e Montagens – Construction and Erection Works Insurance
Insurance covering construction and assembly works, protecting against damage occurring during building or renovation projects.
Zurich Multirriscos Empresas – Commercial Multi-Risk Insurance
Commercial multi-risk insurance protecting businesses against property damage, financial losses, and third-party liabilities including fire, theft, and natural events.
Health4
Zurich Saúde – Health Insurance
Comprehensive health insurance providing access to a wide network of clinics and hospitals, covering consultations, exams, hospital treatments, and additional health services.
Zurich Sorridente – Dental Insurance
Dental insurance covering stomatology, orthodontics, and oral health consultations, available for individuals and families.
Zurich Saúde Empresas – Corporate Health Insurance
Corporate health insurance with adjustable coverage plans for businesses, including access to top clinics, hospitals, and a dedicated company doctor service.
Zurich Sorridente Grupo – Corporate Dental Insurance
Group dental insurance for companies, covering oral health care for employees.
Liability2
Zurich Responsabilidade Civil – Personal Liability Insurance
Personal liability insurance covering individuals and families against third-party claims for bodily injury or property damage caused unintentionally.
Zurich Responsabilidade Civil Empresas – Commercial Liability Insurance
Commercial liability insurance for businesses covering third-party claims arising from buildings, contents, machinery, land, and employee activities.
Travel3
Zurich Viagens – Travel Insurance
Travel insurance covering medical expenses abroad, trip cancellation, death or permanent disability during travel, and emergency assistance services.
Zurich Ciclista – Cyclist Sports Insurance
Sports and leisure insurance for cyclists, providing robust personal protection for cycling activities.
Zurich Náutica – Nautical Sports Insurance
Sports insurance for nautical and water activities, offering flexible personal protection for maritime leisure.
Life4
Zurich Vida Risco Flex – Term Life Insurance
Term life insurance protecting against death, permanent disability, temporary incapacity, and critical illness.
Crédito Habitação Zurich Pleno – Mortgage Life Protection
Life insurance linked to a mortgage loan, protecting the family against death or disability that could prevent repayment of the outstanding mortgage balance.
Proteção Plena Zurich – Life Protection Insurance
Life protection insurance offering comprehensive coverage for the policyholder's family in the event of death or permanent disability.
Zurich Vida Empresas – Corporate Life Insurance
Corporate life insurance solutions including term life risk (covering death, permanent disability, temporary incapacity, and critical illness) and savings/investment options for employee retirement supplements.
Financial2
Zurich PPR Futuro – Pension Savings Plan (PPR)
Retirement savings plan (PPR) combining life insurance with investment, allowing savings accumulation for retirement with tax advantages and flexible contribution options.
Zurich Unit-Linked PPR – Investment-Linked Retirement Plan
A retirement savings plan whose invested capital is not guaranteed and whose return depends on the performance of the underlying investment funds, aimed at clients with a risk profile of 3 or higher.
Other5
Zurich Acidentes Pessoais – Personal Accident Insurance
Personal accident insurance covering death, permanent disability, and medical expenses resulting from accidents, for individuals and families.
Zurich Trabalhador Independente – Workers' Accident Insurance for Self-Employed
Mandatory workers' accident insurance for self-employed individuals, covering occupational accidents and their consequences.
Zurich Empregados Domésticos – Domestic Workers' Accident Insurance
Mandatory workers' accident insurance for employers of domestic staff, covering occupational accidents suffered by household employees.
Zurich Acidentes de Trabalho – Workers' Accident Insurance (Employer)
Mandatory workers' accident insurance for employers covering all employees, including managers and directors, against occupational accidents.
Zurich Acidentes Pessoais Empresas – Corporate Personal Accident Insurance
Corporate personal accident insurance covering employees worldwide for death, permanent disability, and medical expenses resulting from accidents.
Regulatory updates
Zurich Insurance Europe AG (ZIE), Sucursal em Portugal is regularly listed in ASF's authorisations and registrations bulletins. In the bulletin dated 6 January 2026, ASF confirmed the legal compliance of Zurich's mandatory liability insurance for freight forwarding companies. In the bulletin dated 28 July 2026, ASF confirmed the legal compliance of Zurich's mandatory liability insurance products for private security entities, licensees and consultants. Earlier, in April 2025, ASF confirmed the legal compliance of Zurich's mandatory professional liability insurance for credit intermediaries relating to home-loan contracts. Zurich is also listed among insurers with a statistical LEI code registered with ASF.
Reputation and reviews
Offer pages
Casco (own-damage car insurance)
casco (own-damage car insurance) from Zurich Auto Ligeiros e Comerciais for the Portugal market, with online purchase and 24/7 assistance.
Last verified Sep 2, 2026
Motor third-party liability
motor third-party liability insurance from Zurich for the Portugal market, with 24/7 assistance.
Last verified Aug 26, 2026
Travel insurance
travel insurance from Zurich for the Portugal market, with online purchase and 24/7 assistance.
Last verified Aug 26, 2026