01
Share your details
A two-minute form: mortgage amount, age and current policy if you have one.
60%
Average saving vs. your bank's quote
Insurance partners
The problem
A policy you didn't really choose.
The market is wide. Seven specialised insurers can cover the exact same risks, often with broader protection and clearer exclusions, at a fraction of the price. We do the comparison, the paperwork and the switch — at no cost to you.
Side by side
Your bank vs. Zephyr Insurances
What you compare
Your bank
Zephyr Insurances
Annual premium
€ 700 – 1 200
€ 280 – 480
Coverage scope
Standard, often limited
Broader, clearer exclusions
Insurer choice
1 (the bank's)
7+ leading insurers
Insurance advice
No — bank earns commission
Yes — paid by the insurer
Switching support
On your own
Handled end-to-end
Languages
PT
PT · EN · FR
Indicative figures based on typical mortgages of €200 000 – €350 000 in Portugal.
How it works
Three steps. One signature. Years of savings.
02
We compare the market
We negotiate with seven specialised insurers and present you the best offers.
03
Switch, we handle it
Once you choose, we coordinate with the bank and the new insurer. You sign and start saving.
"We were paying €1 080 a year through the bank. Zephyr found us a better life policy for €395. Same coverage, signed in a week."
MARIA S. · LISBON · 2026
Free quote
A quote in your inbox within one business day.
No commitment. No cost. We compare, you decide.
Request my quote
contact@zephyrinsurances.com · Reply within 1 business day
Beyond the mortgage
Other insurance we cover
A complete protection offer for your home, life and business.
MultirriscosPersonal accidentsWorkplace accidentsCivil liabilityCarHealth
Frequently asked questions
Is life insurance mandatory for a mortgage in Portugal?+
Banks require life insurance and home insurance before the deed. You are not obliged to take the bank's own policy, which is rarely the cheapest.
Can I change my mortgage insurance later?+
Yes. You can switch to an external policy with equivalent cover at any time, which often reduces the total cost of the loan significantly.
Do you arrange insurance for non-residents?+
Yes. Zephyr Insurances compares policies for residents and non-residents and handles the paperwork with the bank.