Hunting in Portugal involves complying with a number of legal obligations, one of the main ones being the taking out of valid hunters’ insurance. This insurance is compulsory for anyone who hunts, and its main purpose is to protect third parties and the hunter themselves in the event of an accident.
In this article, CJ Seguros explains the minimum cover required by law for a hunting insurance in Portugal, what is included, and why it is essential to choose a solution that is tailored to each hunter’s needs.
What is Hunters’ Insurance?
Hunter’s insurance, also known as hunting insurance, is compulsory insurance required to obtain or renew a hunting licence in Portugal.
This insurance provides cover whilst hunting, covering damage caused to third parties and, depending on the policy taken out, accidents suffered by the hunter themselves.
Without valid insurance, it is not possible to hunt legally within the country.
O Hunting Insurance Is it compulsory?
Yes. Portuguese law requires all hunters to hold valid third-party liability insurance. This requirement is laid down in the Law No. 173/99 and regulated by the Decree-Law No. 202/2004
The aim is to ensure that financial safeguards are in place to compensate third parties in the event of an accident caused whilst hunting.
In addition, many insurance companies offer supplementary cover that significantly increases the level of protection for the policyholder.
What is the minimum cover required by law?
The minimum cover required by law for hunters’ insurance in Portugal is civil liability cover of 100,000 euros.
This cover provides protection against personal injury and property damage caused to third parties whilst hunting.
Although the minimum capital requirements may be updated in accordance with current legislation, the insurance must provide sufficient cover for compensation arising from accidents related to hunting.
For this reason, it is important to always check that the policy you have taken out meets the latest legal requirements.
What does third-party liability cover under hunting insurance?
Third-party liability cover may include:
- personal injury caused to third parties;
- property damage caused whilst hunting;
- compensation arising from accidents;
- legal costs relating to covered claims.
This is the essential and compulsory cover for any hunter in Portugal.
Recommended Additional Cover
Although third-party liability is the minimum compulsory cover, there are other types of cover that are highly recommended.
Personal Accidents
It protects the hunter in the event of an accident whilst hunting.
This may include:
- medical expenses;
- permanent disability;
- death;
- daily allowance in the event of temporary incapacity.
Support
Some policies include assistance and support services in the event of an emergency.
Legal Protection
Coverage of legal costs relating to proceedings arising from hunting accidents.
Why is it important to have suitable hunting insurance?
Hunting involves risks that can have serious consequences, both for third parties and for the hunter themselves.
Simply choosing the cheapest insurance policy may mean you are inadequately covered in the event of an accident.
In CJ Seguros We analysed various solutions for hunting insurance to find a solution tailored to each client’s profile, ensuring security and compliance with the law.
How to choose the best hunters’ insurance?
Before taking out hunting insurance, it is important to consider:
- guaranteed capital;
- coverage included;
- exclusions;
- support available;
- support in the event of a claim;
- value for money.
Not all policies offer the same level of cover.
How much does hunting insurance cost?
The cost of hunters’ insurance may vary depending on:
- age of the insured person;
- selected cover options;
- safe capital cities;
- duration of the insurance;
- insurance company.
There are affordable options to suit different types of hunters.
Why choose CJ Seguros?
CJ Seguros helps you find insurance solutions tailored to your needs, with:
- personalised support;
- comparison of insurance companies;
- specialist support;
- rapid emission;
- assistance in the event of a claim.
Frequently Asked Questions about Hunting Insurance
Can I go hunting without insurance?
No. Hunting insurance is compulsory in order to hunt legally in Portugal.
Does the insurance cover personal accidents?
It depends on the cover you have taken out. Not all policies include personal accident cover.
Is the insurance valid throughout the country?
Yes, provided that the activity is carried out in accordance with Portuguese law.
Can I take out insurance online?
Yes. In the CJ Seguros You can request a quote quickly and easily.
Hunter’s Insurance
Having valid hunters’ insurance is not only a legal requirement, but also an essential form of protection whilst hunting.
Choosing the right policy can make all the difference in the event of an accident or unforeseen circumstance.
If you’re looking for hunting insurance with cover tailored to your needs, contact CJ Seguros and request your free quote today.
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