Compulsory insurance

Alojamento Local insurance

Third-party liability insurance is compulsory. Without proof of insurance, the municipality can cancel the registration. In early 2026, Lisbon cancelled 6 765 registrations for this reason.

What the law requires

The holder has third-party liability insurance covering material and non-material damage caused to guests and third parties by the rental activity, with a minimum cover of 75 000 € per claim (article 13-A of Decree-Law 128/2014). The other conditions are set by Portaria 248/2021.

In a building under horizontal property (a condominium), fire damage insurance on the unit, or originating from it, is also required (article 13-A, no. 5).

How to submit the proof

Through the service Entregar comprovativo de seguro do Alojamento Local on gov.pt, run by Turismo de Portugal. The holder of an active RNAL registration can submit it, or a representative with a power of attorney.

According to gov.pt, the proof is submitted when the registration number is issued, and again at each renewal, premium payment or change of policy.

When the municipality asks for the proof

The municipality can ask for proof of insurance at any time (article 13-A, no. 7). gov.pt indicates three working days to provide it. Without proof within the deadline, the registration can be cancelled.

Cancellation of the registration

The cancellation is decided by the mayor, after a prior hearing, and the rental must stop at once. The municipality informs Turismo de Portugal and ASAE, which notifies the platforms (article 9).

By June 2026, municipalities had cancelled 10 324 registrations: Lisbon 6 765, Lagos 1 548, Porto 1 413 and Lagoa 598. According to the ALEP association, more than 37 000 active registrations had still not submitted their insurance (Diário de Notícias, 10/06/2026).

Frequently asked questions

Alojamento Local insurance: FAQ

Is insurance compulsory for an Alojamento Local?

Yes. The holder must have third-party liability insurance covering damage caused to guests and third parties (article 13-A of Decree-Law 128/2014).

What is the minimum cover?

75 000 € per claim (article 13-A, no. 3).

Where do I submit proof of insurance?

Through the service Entregar comprovativo de seguro do Alojamento Local on gov.pt. The holder or a representative with a power of attorney can submit it.

How long do I have to send the proof to the municipality?

When the municipality asks, three working days, according to gov.pt. Outside such a request, gov.pt gives no fixed deadline for the first submission or for renewals.

What happens if I do not submit proof of insurance?

The municipality can ask for proof of the third-party liability insurance at any time. Without an answer within the deadline, the mayor can cancel the registration, after a prior hearing, and the rental must stop at once (articles 9 and 13-A of Decree-Law 128/2014).

Holiday rental management

Deadlines, guests, cleaning: a holiday rental management company can handle them for you. Request a contact from a company in your area. The request is free.

Sources

General information, based on Decree-Law 128/2014 as amended by Decree-Law 76/2024. It does not replace the legal text or the information from the municipality. Last reviewed: 10 November 2026.