The Alojamento Local insurance is a civil liability insurance, specifically for AL’s, with specific conditions defined by law. It has been mandatory for years, but the law passed last October (Decreto-Lei n.º 76/2024, de 23 de outubro) implemented a requirement to register this insurance as proof that the AL is active. Despite this requirement since October 2024, the platform to allow AL owners to do this has only been available in the last few days.
A quick reminder: ALEP includes this obligatory AL insurance for free in their yearly quota.
The information available in the publically available RNAL database now includes some new fields for the AL insurance information, and if no insurance is shown here, the municipalities can now ask the AL owner to prove within a period of just 3 days that such insurance exists. If the owner can not provide this proof, the municipality has the power to cancel the AL registration. The municipalities have been asked to honour a transition period until the end of April 2025, before they start requesting the insurance information.
In order to register the insurance, go to this page: https://www.gov.pt/servicos/enviar-comprovativo-de-seguro-do-alojamento-local
You will need the Chave Móvel Digital, or give your lawyer/representative a Power of Attorney to do it for you.
You will need your AL number, the insurance company name, the policy number, and the validity of the insurance (start and end dates). For those with insurance from ALEP, all of this info is easily obtained from the insurance certificate they send you. Complete the remaining steps to confirm, and you will receive an email confirmation. You should then be able to see the AL insurance details in the RNAL database.
We remind you this is an yearly obligation, which means that every year when renewing the mandatory insurance policy info should be updated.
