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The Kingdom Parrots…

“The Parrots of the Kingdom… Portugal is a republic and not a monarchy. Likewise, and so there are no false witnesses, I’m not referring to the political commentator on television, but rather to the elegant parrots and their visceral way of always screaming what they hear, but they don’t know what they say and if we cut them off the peep, they repeat it all over again because like an old cassette, they have no way to continue where they were stopped. Because this is where all my thoughts are concentrated when I go to a banking institution and see some people who look at Customers like a bird and think: “today I’m going to peck your wallet” and in that sense they start to congeminate. it stops, causing it to become engrossing to subscribe to one more PSR (Plan for Your Retirement) and not PPR which, as a Retirement Savings Plan, has an annual guaranteed rate in the insurance companies.

They then begin to charge articles on everything and anything else, in the sense of selling whether credit cards, opening accounts, insurance, coins and even the land sports club card, knowing that they are specialists in everything and anything else. in vague generalities. As a relative of mine, at the time responsible for banking, used to say: luck is that those who go to the banks to deal with insurance know less or nothing than they do, otherwise they were set up and couldn’t even sell a match when Porto was dark.

For me it’s like a bank parrot where they start to debit bytes, not interrupting it. If it stops halfway there, it starts from the beginning. Questions ? Only about the place where the Client “must” sign the proposal. But not being exclusive to this professional class, it becomes transversal to the work carried out by telephone insurers who continue to make “noise” at the expense of wasting money from the groups to which they belong, as was the case with that insurer that was at risk of non-compliance with the level of solvency at the end of fiscal year 2019, had it not been for the group to which it belongs, which at one time was healthy, still given it a hand.

Another of the situations that we often see is when banks are granting housing credit, obliging Customers to take out RM insurance or to be presented with a declaration of protected rights depending on the assessment of the apartment or house. In this chapter, it cannot be stressed enough that the value to be insured must always be the reconstruction value, taking into account the construction factors, type and, in the case of buildings for demolition or expropriation, it will be the matrix value.

In 2019, because 2020 was still publicized, the value per m2 was;

    • Zone I 822,53 € m2; (All counties seat of district)
  • Zone II 719,01€ m2 (Counties of importance, verifiable in DL 329-A-200)
  • Zone III 615,42€ m2Tds n (Other Counties)

Likewise, if your property has already taken out insurance for the condominium, it is enough to request an additional minute with declaration of rights from the bank, thus avoiding the payment of risks in duplicate.

For these and other insurance matters, you might as well take time to speak with your insurance agent or broker. He will take care of your risks and your portfolio. To see parrots, go to the Zoo before, the animals are waiting for us.”

Jornal Economico,
Luiz Filipe.

Likewise, if your property has already taken out insurance for the condominium, it is enough to request an additional minute with declaration of rights from the bank, thus avoiding the payment of risks in duplicate.

For these and other insurance matters, you might as well take time to speak with your insurance agent or broker. He will take care of your risks and your portfolio. To see parrots, go to the Zoo before, the animals are waiting for us.”

Jornal Economico,
Luiz Filipe.

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