# MOVA Seguros

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## At a glance

| Field | Value |
| --- | --- |
| Category | Distribution & Sales |
| Type | Broker |
| Region | EMEA |
| Headquarters | Lisbon, Portugal |
| Founded | 2020 |
| Stage | Startup |
| Funding | Bootstrapped |

## Overview

MOVA Seguros is a digital insurance brokerage serving individual and small
business clients in Portugal. The company operates as an ASF-registered
insurance mediator/agent out of Lisbon, combining a guided online
subscription flow with a physical office for clients who prefer in-person
service.

The business began with market planning in 2020, received authorization
from the Autoridade de Supervisao de Seguros e Fundos de Pensoes (ASF) to
operate as an individual mediator in May 2021, and was incorporated as a
company under the MOVA Seguros brand in September 2022, operating as an
insurance agent. It is wholly funded by Portuguese capital, with no
external investment rounds identified. Co-founders Joao Valente and Paulo
Montez lead the company; Montez also writes on insurance and pensions
topics for Jornal Economico and the company's own blog.

The brokerage sells personal lines (auto, home, health, life, pet,
travel, personal accident, and domestic-employee insurance), savings and
investment products (a retirement savings plan, unit-linked policies),
and business coverage (cyber risk, work accident) through a Q&A-style
online flow, and issues policies through a panel of Portuguese and
international insurers. By year-end 2025 the company reported a combined
Life and Non-Life portfolio exceeding EUR 15 million and around 1,000
customers subscribing to non-mandatory insurance products, up from a
reported EUR 12 million milestone around its one-year anniversary in
mid-2023 (coverage in ECO, Forbes Portugal, and VidaEconomica). Its 2026
priorities are consolidating the existing portfolio, adding solutions
for current clients, and growing the client base through active
prospecting. The company describes its operations as carbon neutral
since founding and says it weighs social and environmental factors
when selecting insurer and business partners.

## Products & services

### Personal Lines Insurance

Core digital brokerage products sold through the site's guided, Q&A-style online subscription flow, spanning auto, home, health, life, and mortgage-linked life insurance.

**Key features:**

- Auto insurance
- Home insurance
- Health insurance
- Life insurance
- Mortgage\-linked life insurance

### Specialty Personal Lines

Additional personal-lines coverage sold alongside the core products.

**Key features:**

- Pet insurance
- Personal accident insurance
- Travel insurance
- Domestic\-employee insurance

### Savings & Investment Products

Products positioned around growing client capital rather than pure risk protection.

**Key features:**

- Retirement savings plan \(PPR\)
- Investment and savings products
- Unit\-linked policies

### Business Insurance

A dedicated corporate-solutions line covering cyber and workplace risk for business clients.

**Key features:**

- Cyber risk insurance
- Work accident insurance

### Cartao MOVA Seguros

A free client loyalty card, open even to non-policyholders, layered on top of the core insurance business.

**Key features:**

- Cashback at participating merchants
- Redeemable loyalty points
- Access to a partner network the company describes as roughly 150,000 entities worldwide

## Category & focus

- Insurance verticals: Life & Annuity, P&C Personal, Health
- Target customers: Consumers, Employers

## Links

- Website: <https://movaseguros.pt>
- Directory profile: <https://insurtechlist.com/companies/mova-seguros/>
- Blog: <https://movaseguros.pt/blog-mundo-mova/>
- About: <https://movaseguros.pt/a-mova-seguros/>
- Linkedin: <https://www.linkedin.com/company/mova-seguros/>
- Business/corporate: <https://movaseguros.pt/empresa/>

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*Last updated: 2026\-08\-09*