HOW TO SUBMIT YOUR AL CIVIL LIABILITY INSURANCE 

(and avoid your AL registration cancellation )

  The AL Civil Liability Insurance Has Always Been Mandatory,

but now you must prove that your insurance is up to date by submitting it on the Gov.pt platform. This process allows the insurance validity to be publicly visible on the RNAL website, enabling Municipal Councils to monitor compliance. In essence, with the recent legal change (Decree-Law 76/2024), insurance submission has become the key mechanism for Councils to identify active and inactive ALs.

 

 

 

WHAT HAPPENS IF YOU DON’T SUBMIT IT ON THE GOVERNMENT PLATFORM?

 

Failing to submit your insurance may result in the loss of your AL registration, even if you do have valid insurance in place.

 

IS THIS REQUIREMENT ALREADY IN EFFECT?

 

The insurance submission process began in March 2025 and is now in its final stage.
Soon, Municipal Councils will begin sending notices of intent to cancel AL registrations that have not submitted their insurance.
In these cases, owners will have only a few days to complete the submission before their AL registration is permanently cancelled.

 

 

ESSENTIAL INFORMATION ABOUT AL

CIVIL LIABILITY INSURANCE AND THE OBLIGATION TO SUBMIT IT ON THE GOVERNMENT PLATFORM

1. What is AL (Alojamento Local) Civil Liability Insurance? 

WHICH INSURANCE MUST BE SUBMITTED ON THE GOV.PT PLATFORM?

You only need to submit the "Alojamento Local" (AL) Civil Liability Insurance, which covers material and non-material damage caused to guests and neighbours as a result of providing accommodation services.

 

DO NOT CONFUSE OR SUBMIT OTHER TYPES OF INSURANCE!

The AL civil liability insurance must not be confused with other types of insurance, such as:

  • Fire insurance

  • Insurance provided by booking platforms (e.g. Airbnb’s Aircover)

  • General property insurance

These serve other purposes and do not replace the mandatory AL civil liability insurance.

 

IMPORTANT: None of these other insurances substitutes the AL civil liability insurance.

 

 

 
 

REMEMBER: The only insurance you are legally required to submit on the government platform is the AL civil liability insurance.

 

During the submission process, there is a note regarding fire insurance.
This is just a reminder that fire insurance is also mandatory if the property is located in a building with independent units (e.g. apartment blocks).


However, you should NOT submit fire insurance on the government platform — just keep it on hand in case of an inspection or on-site visit.

ARE YOU AN ALEP MEMBER? THEN IT'S EVEN EASIER TO COMPLY

 

  • The insurance offered through ALEP fully complies with all legal requirements.
  • Moreover, it goes further, offering broader coverage, including protection against guest-caused damage to common areas of the building (e.g. lift, stairs, entrance door), which is not mandatory by law.
  • If you’re a member, simply log into your ALEP member account, download the insurance certificate, and you’ll immediately have everything you need to submit it on the government platform.

 

2. What happens if the civil liability insurance is not submitted on the gov.pt platform in a timely manner?

ALERT!
If it is found that an "AL" does not have valid civil liability insurance submitted on the Gov.pt platform, or if the insurance has expired, the Municipal Council will notify the owner of this non-compliance. The owner will then have a few days to upload valid insurance to the platform.

 

If the insurance is not submitted within the deadline specified in the Council’s notification, the registration will be automatically cancelled.

This risk is particularly serious in municipalities where containment or suspension areas are in effect (e.g. Lisbon, Porto, Mafra, and Nazaré), as it may no longer be possible to re-register the AL once it has been cancelled.

 

3. What is the deadline for submitting the insurance on the government platform?

THE GRACE PERIOD IS ENDING — YOUR AL REGISTRATION MAY BE CANCELLED

 

The insurance submission process has been available since March 2025.

 

Strictly speaking, you should already have submitted your civil liability insurance. However, municipalities have been allowing a grace period during the initial phase of this new requirement, before starting to notify non-compliant ALs.

 

That grace period is now coming to an end, and from the last week of June, some municipalities are expected to begin issuing notifications of intent to cancel the registrations of ALs that still haven’t submitted their insurance.

Once the notification is sent, the AL owner will have only a few days to upload the insurance policy to the Gov.pt platform. If this is not done within the deadline indicated in the notice, the registration will be automatically cancelled.

DON’T FORGET: YOU MUST REPEAT THE SUBMISSION PROCESS EVERY TIME YOUR INSURANCE POLICY EXPIRES

 

According to the law, you must always have a valid civil liability insurance policy in place. This means that whenever your submitted policy is close to expiring, you must renew it and upload the updated policy on the platform again.

For example, if the insurance you’re submitting now for the first time expires in two months, you must renew the policy and submit the new version on the platform before that expiry date.

ARE YOU AN ALEP MEMBER? THEN YOU DON'T NEED TO WORRY — WE’LL ALWAYS REMIND YOU WHEN IT'S TIME TO RENEW AND SUBMIT YOUR INSURANCE

 

All insurance policies arranged through ALEP renew on a single date: the anniversary of your membership. This way, we’ll remind you in advance when it’s time to renew your membership as well as any associated insurance policies.

 

Since having an invalid insurance policy can lead to automatic cancellation of your AL registration, it’s reassuring to have someone else helping you stay on top of this legal obligation.

 

4. Where should I submit the insurance, and what information do I need to have with me?

 

WHERE TO SUBMIT?

The civil liability insurance for local AL must be submitted exclusively via the Gov.pt portal.
The law does not provide for submission in person at a Citizen’s Shop (Loja do Cidadão) or Municipal Council offices.
If a municipality accepts physical delivery, it is considered entirely exceptional and not the standard procedure.

Another important note: the system only allows one submission at a time. If you have more than one AL property, you must log out and log back in to submit each insurance policy individually.

WHAT INFORMATION AND DOCUMENTS ARE REQUIRED?

Before starting the submission process, make sure you have the following:

  1. Your AL Registration Number (RNAL)

    • If you don’t remember it, you can search for it using the property’s postcode in the public RNAL database.

  2. Insurance Policy Details

    • Name of the insured person/entity

    • Policy number

    • Start and end dates of the insurance

  3. A digital copy of the insurance policy (accepted formats: PDF, JPG, or ZIP)
    The policy document must explicitly state:

    • The insured property (address or AL identification)

    • The validity dates (start and end)

    • Coverage clauses

    • The minimum coverage amount of €75,000 per property per incident

  4. Power of Attorney (if applicable)

    • If the submission is being made by someone other than the AL holder, they must have a signed authorisation (power of attorney) from the registered holder.

 

5. How to submit the insurance on the gov.pt platform?

HOW TO SUBMIT THE INSURANCE ON THE GOV.PT PLATFORM?

 

1. Go to the government portal at www.gov.pt. Search for and click on the option "Submit proof of insurance for AL". On the new page that opens, click "Submit proof".

 

2. The next step is to authenticate yourself to access the government platform. You can do this using your Digital Mobile Key or your Citizen Card and a card reader, provided you have activated the digital access PIN on your Citizen Card.
If you are unable to access the platform through one of these two methods, you will need to appoint a third party (e.g. a lawyer or solicitor) to do it on your behalf using a power of attorney (see next point).

 

3. Once inside the platform, enter the registration number of your AL. The system will retrieve the information, and you should confirm that it refers to your property.

 

4. Next, you’ll need to fill in the details of the person submitting the application (the applicant). This may be the owner or the representative’s details if a third party is acting under a power of attorney.

 

5. Then, fill in the insurance details and upload the policy document, which must be submitted as a single file (e.g. PDF or ZIP).
The policy must clearly include the essential details:

  • AL registration number

  • Name of the owner

  • Start and expiry dates of the policy

  • Amount of coverage per incident (€75,000 minimum)

6. At the final stage, you will be asked to review and confirm the information multiple times before completing the submission.

 

7. Once completed, a success message will appear, you will receive a submission receipt by email, and after a few minutes (sometimes hours), the data will appear on your accommodation’s record on the RNAL website (National Registry of Local Accommodation).

ARE YOU AN ALEP MEMBER AND HAVE QUESTIONS? CHECK THE STEP-BY-STEP GUIDE WE'VE PREPARED

 

If you are a member of ALEP, log into the Locall Portal's member area with your credentials to access:

  • A complete step-by-step guide on how to submit your insurance

  • An explanatory video detailing the entire process

  • A webinar where we explain everything in depth and answer common questions

Still need help?
Send a ticket or email to our support team (contacts available at www.alep.pt) and we will provide personalised assistance.

6. Who can submit the insurance?

Who can submit the insurance?

The submission can be made by:

  • The AL owner, if the registration is under a private individual’s name (select the option " próprio" owner).

  • The managing partner of a company, if the AL is registered under a business entity (also select the option "próprio"owner).

Alternatively, the submission can be done by a third party (select the option "representante").
In this case, the representative must possess and upload a valid power of attorney, officially issued and signed by the AL owner, granting them permission to carry out the submission on their behalf.

ARE YOU AN ALEP MEMBER? HAVING TROUBLE ACCESSING THE PLATFORM? OUR NEW SERVICE HANDLES THE SUBMISSION FOR YOU

 

Many members have reported difficulties accessing the government platform due to the lack of a Digital Mobile Key. In response, ALEP has just launched an exclusive insurance submission service for its members, offered at a highly competitive rate.

 

Please check the latest emails from ALEP with full instructions and conditions to request this service, or contact us via email or support ticket.

 

Are you feeling overwhelmed by all the bureaucracy?

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