Portugal's Insurance and Pension Funds Supervisory Authority (ASF) published a draft regulatory standard setting the indices to be used to automatically update insured amounts in home insurance covering property risks for policies starting or renewing in the fourth quarter of 2025, unless the contract provides otherwise. The indices are presented as consumer reference values intended to help avoid insured sums becoming out of date. For Q4 2025 (base 100 in the first quarter of 1987), the Building Index (IE) is 559.63, the Household Contents Index (IRH) is 348.52, and the Combined Contents and Buildings Index (IRHE) is 475.18. Compared with the prior quarter, IE decreases by 0.31%, IRH increases by 2.41%, and IRHE increases by 0.47%, while year-on-year changes versus Q4 2024 are +6.45%, +6.93%, and +6.59% respectively. ASF also reiterates that policyholders remain responsible for ensuring sums insured are appropriate, including for regional variations against national indices and changes in the insured assets. The draft standard notes it has been subject to public consultation under ASF’s statutes.
Portuguese Insurance Regulator (ASF) 2025-07-02
Portugal's Insurance and Pension Funds Supervisory Authority sets Q4 2025 indices for automatic updating of home insurance sums insured
Portugal's Insurance and Pension Funds Supervisory Authority (ASF) released a draft regulatory standard detailing indices for updating insured amounts in home insurance for Q4 2025. The Building Index is 559.63, Household Contents Index 348.52, and Combined Contents and Buildings Index 475.18, with respective quarterly changes of -0.31%, +2.41%, and +0.47%. ASF emphasizes policyholders' responsibility to ensure appropriate insured sums, considering regional variations and asset changes.