ComparaJa review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

ComparaJa is a Portuguese comparison site rather than an insurer, so the policy sits with whichever provider it puts forward, and it suits people who want monthly payments across several personal lines. Its car quotes start at €0, which places it at 1 on starting premium among 252 brands.

Key facts

Best for
Portuguese households and drivers who want monthly premiums on several personal lines from one comparison point.
Premium from
€0 (Source, checked September 26, 2026)
Insurance types
Auto, Life, Health, Home, Motorcycle, Dental, Pet (Source, checked September 26, 2026)
Provider type
Comparison site (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Cover limit
Auto third-party liability minimum: EUR 1220000 material damage and EUR 6070000 bodily injury (Source, checked September 26, 2026)
Legal entity
Compeugroup - Sociedade de Mediação de Seguros, Unipessoal Lda (Source, checked September 26, 2026)
Headquarters
Portugal (Source, checked September 26, 2026)
Founded
2015 (Source, checked September 26, 2026)
Support channels
Phone, Email (Source, checked September 26, 2026)
Pricing model
Monthly
Official website
comparaja.pt

Apps and profiles

Elsewhere
LinkedInX

Pros and cons

Pros

  • Car premiums start at €0, under the €8.37 typical starting premium across the site.
  • Monthly payments are available, so the cost of a policy can be spread through the year instead of paid in one sum.
  • Cover spans auto, life and health, so a driver and a pet owner can price the same household in one place.
  • Registered with the ASF under 417449516 and with Banco de Portugal under 0000375, so two Portuguese regulators sit behind the intermediary.
  • Support runs on phone and email, which covers the two routes a claim needs without an app.

Cons

  • As a comparison site, ComparaJa mediates the sale, so the cover itself comes from the insurer named on the quote while the site only presents the offers.
  • Support runs on phone and email only, with no live chat or self-serve help centre in the list.
  • The starting premium €0 and the monthly payment model monthly are set out for car cover only, leaving the other lines with no stated premium to weigh.
  • Comparison sites are a minority model on the site, 18.1% of the brands compared, so most of the field is insurers and brokers that carry the risk themselves.
ComparaJa

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Who it suits

  • Portuguese drivers who want monthly car payments and a starting premium of €0 rather than the UZS 60,000 entry quoted by EuroAsia Insurance.
  • Households comparing several personal lines at once, since auto, life and health puts car, life, health, home, motorbike, dental and pet in one place, a spread Good Sam Insurance Agency swaps for travel and renters cover in auto, home and renters.
  • Readers who want an intermediary presenting several offers in Portuguese rather than one property led policy from a provider such as Hiscox UK, which lists home, renters and landlord.

Who should look elsewhere

  • People who want the policy in their own name with one named insurer carrying the risk, because ComparaJa is a comparison site rather than the risk carrier.
  • Anyone needing travel cover, since auto, life and health does not include it and Good Sam Insurance Agency carries it in auto, home and renters.
  • Shoppers who want live chat help, because support runs on phone and email only.

Cover and limits

ComparaJa prices a broad set of personal lines: auto, life and health. The product with a published limit is car cover, where the third-party liability minimum is split into a material damage amount and a larger bodily injury amount. That is the legal floor an insurer must meet rather than a generous headline, so it is a useful floor to check a quote against rather than a reward. Excess, theft and windscreen terms sit in the policy schedule, so the liability floor is the number to weigh first and the schedule beside it decides the rest.

Price signals

The only published starting price is €0 for car cover, and monthly payments are available, so the outlay can be spread across the year rather than paid in one sum. Across the site, starting premiums run from €0 to €3,431.08 with a typical €8.37, which puts this entry at the bottom of the field. Read it as the opening figure of a quote rather than the premium itself, since the insurer sets the price once it has your details.

How your money is protected

Because comparison site, ComparaJa does not carry the risk. It presents providers, the premium leaves your account towards the insurer and the policy sits with the insurer named on the quote. What the record shows is Portuguese registration on both sides of the financial system, with the ASF licence 417449516 and the Banco de Portugal registration 0000375. Those two registrations are the supervision signal; the payout terms sit with the insurer named on the policy.

Who regulates the provider

ComparaJa sits inside the Portuguese system on two registrations. It is authorised as a comparison site by the ASF, Autoridade de Supervisão de Seguros e Fundos de Pensões, under 417449516, and it appears with Banco de Portugal under 0000375. The classification, comparison site, shapes what you are buying: the site mediates and presents offers, and the insurer named on the quote is the party that carries the risk.

The company behind it

The legal entity named is Compeugroup, Sociedade de Mediação de Seguros, Unipessoal Lda, a mediation company, and the operation is based in Portugal. It has been trading since 2015, which is a long run in the Portuguese market. Support runs on phone and email, enough to start a claim but leaving out live chat and a self-serve help centre. The two Portuguese registrations, 417449516 and 0000375, are the clearest markers of how a Portuguese intermediary is supervised.

How ComparaJa compares

Where ComparaJa is available

Available
Portugal
Licence in Portugal
ASF - Autoridade de Supervisão de Seguros e Fundos de Pensões (417449516), checked September 26, 2026
Licence in Portugal
Banco de Portugal (0000375), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does ComparaJa cost to use?+

ComparaJa is a comparison site, so the entry premium is €0 for car cover and the figure shown is a starting point rather than a policy price. Monthly payments are available, so the amount can be spread. The cover is underwritten by the insurer you are matched with, and their terms set the final premium.

Is my money safe with a comparison site?+

ComparaJa is registered as a comparison site with the ASF, Autoridade de Supervisão de Seguros e Fundos de Pensões, under 417449516, and it also appears with Banco de Portugal under 0000375. Because it is a comparison site, the risk sits with the insurer named on the policy rather than with the site.

Can I pay monthly?+

Yes. Monthly payments are available, and monthly is the payment model listed for car cover, so the premium can be spread across the year instead of paid in one sum. The other lines in auto, life and health carry no stated payment model, so the monthly option is worth confirming on those.

Which kinds of cover can I compare?+

auto, life and health covers the personal lines: car, life, health, home, motorbike, dental and pet. That mix is wider than the property led list at Hiscox UK, home, renters and landlord, and it leaves out travel, which Good Sam Insurance Agency includes in auto, home and renters.

How do I get help after I buy?+

Support runs on phone and email, so a claim can start by phone or by email. Phone is also the most common support route among the brands on the site, at 90.9%. There is no live chat or help centre in the list, so have your policy details ready before you call or write.

Who is behind the site?+

The legal entity named is Compeugroup, Sociedade de Mediação de Seguros, Unipessoal Lda, an insurance mediation company, and the business is based in Portugal. It has operated since 2015, which makes it an established presence in the Portuguese market.

How does the price compare with other brands?+

Car premiums start at €0, the lowest starting premium in a field of 252 brands, where the typical entry is €8.37. ComparaJa holds position 1 on that measure, though the final price is set by the insurer once it has your details.

Is the cover limit high enough?+

The published limit is the minimum third-party liability level for car cover, split into a material damage amount and a bodily injury amount, so it is the legal floor rather than a top tier ceiling. Compare it with what Hiscox UK or EuroAsia Insurance states on their own policies, and read the schedule for excess and theft terms before settling.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

ComparaJa

ComparaJa

Portuguese households and drivers who want monthly premiums on several personal lines from one comparison point.

8.9/10See alternatives

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