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Madeira News Blog – Tips & Help – Information Sheet

January 01, 2000 By: admin Category: Information Sheets

Welcome to the Madeira News Blog. The only source for up to date news for English speakers who live here or have an interest in Madeira. These guidance notes will help you read and search this blog, so it’s worth spending a few minutes.  

We all know that ‘please read’ means boring, but I just want to help you get the most out of this much improved facility, so please bear with me while I explain some things that might help you :

1. Access to this blog - Please bookmark this blog to continue to enjoy easy access, either through adding as a ‘favourite’ on your internet browser, or by creating a shortcut on your computer desktop.

2. Searching – whilst all the old blogs have been put under ‘uncategorized’ all new material, from 5th May 2009, has been designated a label, appropriate to its contents. You can see these in the top left corner. So if you are only interested in sport, click that link, and you will see all the sport news posted since 5th May.

There is also a keyword search box lower down on the right hand side. To use this is easy; Pick the most appropriate keywords for your search, for example cheap imports of pork, and it will bring up the articles containing those keywords. If that is too many to read, try the exact phrase in inverted commas “cheap imports of pork”, and that will narrow down your search results.

3. RSS Feed – For those of you who want to know every time an update is posted here, you might like the ‘RSS Feed’  facility. It is right up in the top right hand corner of this page (in the header), an orange button, with SUBSCRIBE written alongside, in yellow.

Once RSS is set up, one very useful feature is the ability to view all the latest comments and contributions on one page, rather than ploughing through lots of links. Just go to the very bottom of any page, and click on ‘comments’, next to the orange RSS icon.

4. Comments – Each posting by me will have it’s own comments section just below. Click the grey link ‘Comments’ at the bottom of each post, to make a comment or read the comments. A small number in brackets will tell you how many there are. If you REGISTER (top left black button), once you have made your first comment it will need to be checked by me and accepted, and thereafter you will be able to post comments and they will be approved automatically. If you don’t register and make a comment, it will have to be checked by me each time, which could mean some delay, maybe hours. Please register, and I promise your email address will not be given to anyone else.

One advantage of this is that for now, there will be no verification code to be entered. I hope it stays this way, but it depends on the amount of spam postings received. 

Don’t forget that absolutely anyone is welcome to use this facility, there are no members or ‘clubs’ . You can comment at the end of each news posting, or if you just fancy some general chit chat, or want to ask a question, or want to pass on some information, or tell people about an event, the comments section with the daily photo is the best place. If you have something longer and informative that merits a ‘post’ of it’s own please email to blog@madeira4u.com

IMPORTANT – News postings will often be made at various point throughout the day, unlike before when it was just one large post once a day. You can check back during the day, or use the RSS feed, to find new news stories, or just to chat. It is hoped that much of the news will be posted the same day as it is in the media, although this is unlikely to happen all of the time.

5. Photos- Please continue to send in your photographs for publication, as long as they are Madeira related. It is now possible to publish several photographs a day, instead of just the one allowed on the previous blog. Although topical subjects (ie. festivals) will jump the queue and get published whilst they are still ‘fresh’, others will be published roughly ordered by the date received. It is also possible to include videos, music, and other media forms, so please send any material in. Please don’t send in any copyrighted material. Please send visual material as email attachments to blog@madeira4u.com, or if you have a website with the material published let me know the address and details, and I can extract direct from there.

6. Donations - Most readers will already know that this blog is supported nearly totally through blog reader’s  generosity. A PayPal button is provided on the right hand side of this page for your convenience. Or, if you prefer, you can email blog@madeira4u.com for further information on other ways to donate (in € or £).  Also, sponsorship, advertising revenue and commissions help fund the blog. Please use the links and advertisments on this page to help provide funding.

7. Feedback & Suggestions – We hope you don’t have any technical problems with this website, but if you do please email, or put them in the comments attached to the daily photo. They will be read and acted upon to resolve any problem. In the same spirit, we want everyone to feel at home when visiting us, and if there are any improvements you think we could make, please let us know. Please bear in mind that this is not a commercial operation though, just one person with very limited funding, and a bit of technical support.

8. Reader Contributions – Information provided on this blog / website is what is taken from the daily news and any other source possible. Information provided by readers is very important, and shared knowledge and contributions are what keeps us all informed of the real Madeira, and what she has to offer. The comments facility with the ‘Chit-Chat & Daily Photo …’ section is ideal for this, or if it’s a longer contribution it can be emailed to blog@madeira4u.com … thank you!

Thanks for reading this, and hope you enjoy this blog and future news. Der

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Driving A Car On Madeira – Information Sheet

January 01, 2000 By: admin Category: Information Sheets

Important Things To Remember If Driving On Madeira 

Please read the disclaimer at the bottom of this page.

1. If you are a tourist or visiting Madeira, you may hire a car. You cannot own and drive, or borrow a car, unless your licence has been registered with the driving authorities. Nearly all of the car rental agencies are based in Funchal, and some also have booths at Madeira Airport. Most international car rental companies cover Madeira, but not all, and so reservations can usually be made online.

Research shows that most problems with car rental generally are the result of surcharges for extras, petrol, and vehicle damage. Keeping petrol receipts, and doing a careful inspection with photographs of any damage might help you later in the event of problems. Also check the terms of the insurance, as if you make a claim and haven’t followed the requirements, your claim could be rejected.

2. If you are resident on Madeira, you have the option to keep your own European format driving licence, having registered it with the authorities, or you may swap your driving licence for a Portuguese licence. You must register with DGV within 30 days of becoming resident on Madeira.

Registering A Driving Licence – The DGV (Direcção Geral de Viação) is the licensing authority, and is based either behind the casino in Funchal or in the ‘Loja do Cidadão’. To register a EU issued driving licence, you need to complete their registration form, copy it, and take two copies of your ID and two copies of your driving licence. Also you may need to provide photographic ID. You can do this by post or in person. They will give you back a stamped document, which you must keep. With the exception of hire cars, you cannot drive a car on Madeira without registering first.

3. In line with most of Europe, in Portugal you drive on the right hand side, and if you buy a new car it will be left hand drive. You use roundabouts in an anticlockwise direction, otherwise the driving rules are similar to the UK, and the traffic signs and warnings should be recognisable, if not readable.

Many of the roads on Madeira are hilly and have sharp bends, so extra attention is needed. The standard of driving is generally good on the island, but as in any country you need to be beware of the odd idiot driver.

Speed limits on Madeira are signposted, and are generally 40 to 50 kph (kilometres per hour) in built up areas, other wise you can drive at up to 80 kph. The major dual carriage ways (via rápidas) have speed limits of up to 100 kph, with lesser limits displayed where road conditions warrant a reduction.

4. You can import a right or left hand drive car onto Madeira, but the importation process is complex and time consuming, and the re-registration will require you to have a new vehicle registration plate. Right hand drive cars are not popular, and if you try and sell one it will be difficult and you will achieve a considerably lower price than for the same left hand drive model.

The car must be registered within 30 days of arrival on the island, and the importation process must be complete within 180 days, on the risk of impoundment for tax evasion.

5. Depending on  your residency status, you may be able to import a car tax free to Madeira if you have owned the vehicle for sufficient time. If you do have to pay tax it is based on the car age and emission rating, and may result in a considerable tax charge. The charges are available at Finance offices, otherwise the company managing the car import should be able to advise on tax liabilities. You are strongly advised to consider tax implications before bringing a car to Madeira.6. Portuguese law states that you must carry a red warning triangle and a yellow reflective vest in the car at all times, for safety reasons, for use in the event of a breakdown or accident. You must wear the seat belts in both the front and back of the car, and children under the age of 12 years must sit in the back seats.

7. You should carry your insurance, car registration documents, and driving licence with you, when out driving. If stopped by the police you should produce these at the time, if not you may be fined and told to report to a police station on Madeira with your documents. All cars on Madeira should also show 2 or 3 stickers in the top right corner of the windscreen.

The first is provided by the insurance company (seguro automóvel). Car insurance is available on 3 main levels, fully comprehensive, third party fire & theft, and third party. Other additions such as windscreen damage are available for an extra premium, and ‘no claims’ are accrued and can normally be ‘imported’ from non-Portuguese insurance companies, and these ‘no claims’ can also be insured for the car owner only.

The second should show that you have paid your car tax for the year. From 2008, the car tax is paid annually on the anniversary of the vehicle registration,  and can be renewed at Finance offices or over the internet. Car tax has been very cheap for many years, but new rates based on fuel consumption and exhaust emissions are now in place that will penalise gas guzzling cars. You should receive a bill at the address registered in Finances when the car tax (IUC) is due, although Madeira does not seem to be in line with the rest of Portugal in this respect, so it is best to keep a diary note to avoid a late payment fine. There is more information on renewing car tax via the internet below.

The third sticker is necessary if the car is over 4 years old, and will be issued at one of Madeira’s inspection (MOT) centres. After the first inspection (4 years), the next is at 6 and then 8 years, and annually thereafter. The inspection will give one of 3 decisions. Pass, with up to 7 minor defects (which although not serious safety issues still need to be rectified). If more than 7 minor defects or a safety defect, you can be failed, on the proviso that you bring the car back promptly with the faults fixed. And lastly, failed with a serious defect(s), in which case the car has to be towed to a garage for repair.

Getting Your Car Inspected (MOT test) – In some respects the car inspection system on Madeira is quite advanced, and a lesson in production line methodology that other countries could learn from. No appointment is needed.

Having got yourself to the test centre, going west out of Funchal and turning off after the petrol station at the sign for the Botanical Gardens, you park up and go into the reception.

There you have to produce the car registration documents, insurance, the previous inspection record, and the princely sum of €26 (2007). Strangely there is no receipt issued. You then put yourself and your car in one of the queues at the back of the building, and drive bit by bit into the building where the test is carried out.

At the first stage they test exhaust emissions, lights, horn, and some under the bonnet stuff. Also they check you have the safety jacket and red triangle in the car. The car then goes onto some rollers to test the brakes, and then is driven over a pit where the car is shaken around to test for unwanted movement in steering and suspension mechanisms. And that is pretty much it!

You then park up at the front, and go into the office to wait for the verdict, hopefully a green certificate with as little printing as possible. This is where things may become a little puzzling, as on occasions money changes hands. Whether this may or may not influence the outcome of an inspection is hard to say. Just ‘tips’ perhaps! And, whilst on the subject of ‘puzzling’, you will also find a bar on the premises, so take it steady!

If you are not so lucky, they will explain what you need to do, which could involve a retest (about €13 in 2007). There is a further test centre at São Vicente, but it is a mobile unit but it is worth checking it is in place to avoid a wasted journey.

Vehicle inspections take place on the anniversary of registration of the vehicle in Portugal, and are based on age of the vehicle. Private vehicles have their first inspection after 4 years of age, then 6 years, 8 years, and then every year. You can take your vehicle for inspect in the two months prior to the due date. Do not leave it until the very last day possible, as the queues can be substantial.

8. On the spot fines are normal for minor traffic offences on Madeira. More serious offences, such as drink driving, may land you in court, resulting in a suspension of your licence and a driving ban, as well as a large fine. If you drive with more than 1.2 g/l of alcohol in your body you will be arrested. Using a mobile phone whilst driving is also an offence.

Drink Driving Limits For Portugal & Madeira – If after a test the alcohol reading equals or exceeds 0.5 g/l but is than 0.8 g/l, the penalty varies between €250 and €1250.  If it is equal or exceeds 0.8 g/l and is lower than 1.2 g/l, the penalty varies between €500 and €2,500 and the driving licence is withdrawn. The length of withdrawal depend on the circumstances and the quality of the defence, but in the best cases it is likely to be at least 3 months. Police are now very vigilant for drunk and dangerous drivers, and the local newspaper publish the numbers arrested every week.

9. Portuguese car insurance covers the car, not just the person. If you lend your car to someone they should be covered, but they must have your authority in writing to borrow your car (meeting a specified format). You must check your insurance policy before lending your car to someone.

10. Outside of Funchal, petrol stations can be sparse, so its best to fill up when you see one unless you know where they are situated. You can buy ordinary grade unleaded petrol (gasolina 95), high grade (gasolina 98) and diesel (gasóleo), but they are all fairly expensive due to the importation costs to Madeira.

11. If you breakdown on the Madeira dual carriageway (via rápida) phone 800 290 290 for
assistance. There are plenty of cameras along the busiest sections, so you may find help is on the way before requesting it. Be aware that mobile phones may not work inside the tunnels, and keep clear of any burning vehicles inside tunnels.

12. If you need to park on Madeira, you will probably have to use a car park if you are in or near a town / city centre. There is no established formula across the island for calculating parking charges, but they are comparatively expensive for local people, who tend to know where else to go to avoid paying. Also, some supermarkets will pay for limited parking when you shop with them. 

Where the ‘P’ sign shows the word ‘LIVRE’, it means parking spaces are available. ‘COMPLETO’ means full up.

13. Car Tax is due on the anniversary of the month of the vehicle registration in Portugal. The tax authorities on Madeira are encouraging car owners to renew car tax through the internet, although it is still possible to do so in your local Finance Office (take all your vehicle documents and tax number with you).

To renew on the internet is fairly simple if you understand Portuguese and have a password to access the IRS website. If you don’t speak Portuguese but are happy to give it a go, go to the IRS website and enter your tax number (Nº Contribuinte) and password (senha). Then go to the grey menu on the left, and select CONTRIBUINTES, ENTREGAR, IU CIRCULAÇÃO. You should find your vehicle listed. Once you have selected your vehicle and submitted your application (EMITIR), you then need to make arrangements to pay. This can be done at the Finance office, through the multibanco machines (ATMs), or through internet banking. Whichever way you choose, you will have to refer to the PDF document that will be presented to you after ‘EMITIR’  to obtain the payment references.

The payment references can also be obtained through the grey menu : CONTRIBUINTES, CONSULTAR, IU CIRCULAÇÃO, DOCUMENTOS.

If you go back through the links above a couple of days after payment, the certificate should be updated with your payment details. Print this off and keep it in your car as proof of payment. You should be sent a window sticker to prove you have valid car tax, but this can take some weeks after renewing to arrive by post.

DISCLAIMER – THE INFORMATION PROVIDED HERE DOES NOT CONSTITUTE PROFESSIONAL ADVICE, AND IS PROVIDED FOR BRIEF GUIDANCE ONLY, ON A BEST ENDEAVORS BASIS.

NO RESPONSIBILITY CAN BE ACCEPTED FOR THE ACCURACY OF INFORMATION SHOWN HERE, AND YOU SHOULD SEEK INDEPENDENT VERIFICATION OR PROFESSIONAL GUIDANCE. THIS PAGE WAS LAST UPDATED IN 2008.

This information sheet is copyright material – do not reproduce in part or full without written consent                                     

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Banks, Finance, & Currency On Madeira – Information Sheet

January 01, 2000 By: admin Category: Information Sheets

Banks, Banking & Finance

Madeira is well blessed with banking organisations, with at least 7 banks well represented on the island. Outside of Funchal, which hosts the Bank Of Portugal and other international banking institutions, much smaller towns on Madeira will have branches of some if not most of these banks. Hence the customer is king and can pick and choose who they do business with for the best terms and conditions available.

The Main Banks are:
Bank of Portugal (Funchal)
Barclays Bank (only in Funchal)
Banco BPI
Banco Espirito Santo (BES)
Banco Santander Totta
Banif (Banco Internacional do Funchal)
BPN (Banco Português de Negócios)
BPI
Millennium BCP
Montepio Geral
Caixa Geral de Depositos

As well as multiple branches across Madeira, internet banking is also available to manage accounts, bills and services, but not all have English language versions of their websites (BES & BPI definitely do).

All the usual services are available, such as personal current and savings accounts, cheques, cash withdrawals from ‘multibanco’ machines, direct debits for bill paying, credit cards, loans, mortgages, insurance and investment products, and a similar range of products and services for business customers.

The ATM machines, or cashpoints, are called ‘Multibanco’ machines. They are widepread in larger towns, and have numerous functions. As well as cash withdrawals, one can use them to pay bills, set up direct debits, transfer money to other bank accounts, to name just a few facilities. The instructions come up in Portuguese if using a Portuguese bank card to access, but with bank cards from other countries the language presented should be English.

Some key aspects of the banking system on Madeira are the almost instantaneous interbank money transfers, a speedy cheque clearance system, and the ability to manage accounts in different ways by branch, internet, and multibanco machines to the extent of setting up your own direct debit mandates.

Some Madeiran banks charge a monthly fee, others charge certain transaction fees, and some operate on practically no fees whatsoever for normal daily transactions. Banks don’t normally pay interest on current account balances.

To open a bank account you need to choose your ‘supplier’ and go along with your ‘numero de contribuinte’ (taxpayer reference) issued by your local Finance office. Take along also your passport, residência card (if you have one), and proof of address (utility bills). If you don’t have a Madeira address, you can still open an account, but check what documents you need.

If you don’t speak portuguese, you might be well advised to find a bank branch in Funchal or another major town, as explaining your needs and problems can be a little tricky.

If you have savings or wish to put some money away to earn interest, ask to link a savings account to your current account. You might not get the highest interest rate, but the convenience of an easy transfer between the two accounts may make it worthwhile until you find something better.

Normal banking hours are 8.30 am until 3.00 pm weekdays, though some larger branches stay open later for appointments and other services. Visitors to Madeira may be surprised to find that most bank staff sit or stand behind counters with virtually no security arrangements … long may it continue!

 

Currency Exchange

Banks on Madeira offer currency exchange, as do banks elsewhere, and also in some Funchal hotels. If you are just taking a holiday, then you can use those facilities, but take note that the exchange rate may be poor, and there may be commission charges.

To move large amounts of foreign currency to a Portuguese bank account may also incur conversion charges and a poor exchange rate. There are specialist currency exchange companies that operate low cost exchange deals on high value transactions, and its worth checking some of these out in order to convert your currency at the best rate before sending it to your bank.

There are other currency exchange offices, mainly in Funchal. The usual opening hours are 9.00 am until 1.00 pm, and 2.00 pm until 7.00 pm, Monday to Friday. Saturday hours differ. Portugal and Madeira use the Euro (€) monetary system, which has been in place since 1999.

The notes used are €500, €200, €100, €50, €20, €10, €5, the coins are in denominations of €2, €1, 50 cents, & 20, 10, 5, 2, and 1 cents.

The Euro monetary system bank notes are standard across the Euro using countries (15 in 2008), but each value of note is different in size and colour to assist with easy identification.

The coins are designed by the individual members to a European specification, with their own images one side, but are otherwise identical across the user countries.

 DISCLAIMER – THE INFORMATION PROVIDED HERE DOES NOT CONSTITUTE PROFESSIONAL ADVICE, AND IS PROVIDED FOR BRIEF GUIDANCE ONLY, ON A BEST ENDEAVORS BASIS.

NO RESPONSIBILITY CAN BE ACCEPTED FOR THE ACCURACY OF INFORMATION SHOWN HERE, AND YOU SHOULD SEEK INDEPENDENT VERIFICATION OR PROFESSIONAL GUIDANCE. THIS PAGE WAS LAST UPDATED IN 2008.

This information sheet is copyright material – do not reproduce in part or full without written consent  

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