certificado de tarifação
Published 3 November 2026, 17:05
certificado de tarifação (insurance history certificate)
A document from your previous insurer recording your history: how many years you were insured and whether you had any claims where you were at fault. The price of a new policy depends on it; it is the local equivalent of a no-claims bonus. The regulator also requires this certificate when it “places” a policy for someone who has been refused by three companies.
Where you come across it. Switching insurer, a dispute over price, refusal of cover.
Ask for the certificate when you leave an insurer: without it, a new insurer will treat you as someone with no history. And remember that insurers share a database, so switching company does not by itself wipe out a bad history.