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Adler & Rochefort is an insurance intermediary based in Lagos, in the Algarve, registered with the Portuguese regulator ASF under number 425591790/3 and authorised to operate in Spain under the freedom of services regime. We work with international residents, families and business owners who have chosen to build a life in Portugal — British, Dutch, French, American and many others. Most of our clients come to us with the same problem: policy wordings in Portuguese, cover they cannot verify, and no clear answer when something goes wrong. Our approach is deliberately different. We explain your cover in your own language, in writing, before you commit. We assess whether the sum insured actually reflects what it would cost to rebuild or replace, rather than simply quoting the lowest premium. And when you need to claim, we handle the insurer on your behalf. Every client has access to our secure online portal, where policies, certificates and claims are held in one place — not scattered across email attachments. We arrange health, home, motor, marine, professional liability and business cover, including local accommodation and hospitality risks, working with insurers such as Allianz, Zurich, Médis, Hiscox, MGEN, APRIL and Asisa. Founded by Hugo Gonçalves, with over twenty years in international tourism and hospitality and ongoing qualifications through the Chartered Insurance Institute in London.
Varandas de Sao Joao 4, 8600-324, Lagos, Portugal
4,3
8 reviews
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Amazing service. Hugo was hugely knowledgeable and gave us quotes incredibly fast. He was always at the end of the phone answering questions and was very diligent in getting the right insurance for us. Highly recommend.
After finding concerns with my existing property insurer online (poor claims response history, rising premiums) I started searching for alternatives. I was drawn to Adler & Rochefort because they were comfortable with English communication (my Portuguese is muito mal so far!) and worked with second/vacation home owners. It was reassuring that I was asked for specific information about the property and my needs, with follow-up, before a quote was obtained. The company they matched me with has good financial strength per AM Best and a much better claims history. Coverage is a clear match for my needs and the premium was competitive. Hugo has been very helpful and responsive. I hope I never need the insurance, but my experience suggests I will be supported if I do.
Hugo provided excellent detailed and thorough service in the transition from our old policy to a new and better policy that served our needs. We highly recommend him and Adler & Rochefort for their professionalism and attentiveness.
We had a spectacular experience with Hugo. He guided us through every step of the way with no mystery and made sure that we understood exactly what we were getting and provided information to provide us with the knowledge to make truly informed decisions. I would highly recommend Hugo and his firm if you want a pain free experience signing up for health insurance.
this firm as represented by its founding MD, is what you want and need in a Portugal insurance company.
what I needed was professionalism, efficiency, effectiveness, English-language communication and actual competitively priced vehicle insurance
what I received was a seamless point of contact through email, responses within a couple of hours on each of multiple English interactions, full transparency and factual inputs to my decision-process, and fully documented insurance output
this means that confidence is established and trust earned. thank you Hugo and team
Hugo was a real hero and got us through the process quickly and efficiently- thanks!
Very fast and professional service. Everything was explained clearly and handled quickly. I’m very satisfied with the whole experience and highly recommend Adler & Rochefort.
⭐⭐⭐⭐⭐ Excellent service and support
I had been trying to arrange private health insurance in Portugal for almost a week and was getting nowhere. From the moment I contacted Adler & Rochefort, everything became so much easier.
Hugo was incredibly quick, responsive, patient, and genuinely helpful throughout the whole process. He explained everything clearly, answered every question I had, and made sure I had the documents I needed. Even when the official payment receipt was still being processed, he went the extra mile and prepared a formal confirmation of payment for me in the meantime.
The whole process was handled so smoothly and quickly, and I always felt that I was being properly looked after rather than simply sold a policy.
I would 100% recommend Adler & Rochefort, and I will definitely be coming back to them whenever I need help with insurance or other services in the future.
Thank you, Hugo, for all your help!
Antwoord van Adler & Rochefort
Dear Adrine,
Thank you for taking the time to share such a detailed review — it is genuinely appreciated.
Arranging private health insurance in Portugal can feel confusing at first, particularly when you are new to the market, so I am glad the process became clearer and more straightforward once we started working together. Making sure clients understand exactly what they are buying, and have every document properly in order, is central to how we work.
It was a pleasure to assist you, and we look forward to supporting you again whenever you need help with insurance or any of our other services.
Hugo Gonçalves
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