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
At a Glance
- Founded
- 2020
- Headquarters
- Lisbon, Portugal
- Funding
- Bootstrapped
Category & Focus
- Category
- Distribution & Sales
- Insurance Verticals
- Life & Annuity P&C Personal Health
- Target Customers
- Consumers, Employers
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Last updated: 2026-08-09