APS does not interfere in the internal management of its Members, nor does it have a legal advisory service, and it is not within its competence to analyze or give an opinion on the relations between the insurance company and the insured, or on the contractual clauses that rule such relationships. APS also does not have a complaint management service for its Members.

For information/clarifications on the above, please contact:

  • The Portuguese Insurance and Pension Funds Supervisory Authority (ASF);
  • The Claims Service / Customer Provider of your insurance company;
  • The Information, Mediation, Ombudsman and Arbitration Center for Insurance (CIMPAS).

The Portuguese Association of Insurers (APS) is a non-profit association, established according to the law to defend and promote the interests of the insurance and reinsurance companies operating in the Portuguese market. The current APS members account for 99% of the insurance market in terms of business turnover and human resources employed by the sector.