THE ESSENTIALS
Before you start
- Identify the vehicle and actual use.
- Separate vehicle damage and injuries.
- Define internal incident contacts.
The key distinction
Lusitania identifies vehicle users and drivers within motor liability cover. Damage to the vehicle itself still needs a separate assessment.
Sources: Lusitania — Seguro Automóvel — checked on 22 October 2026 ↗
A decision in practice
Fictional example: an employee visits a supplier in her own car. The company confirms who authorises the journey and who receives an accident report. She asks her intermediary whether the use is correctly described and how vehicle damage, third parties and possible injuries would be considered.
The next step
Prepare brief internal guidance covering contacts, relevant information and the separate processes involved. Do not assign liability to the employee in advance or promise that the business will pay everything. If use becomes regular rather than occasional, explain that change specifically. Authorising a journey organises the work; it does not, by itself, establish the insurance benefits available.
Read the motor insurance guide and ask RMACHADO GROUP to help assess this specific question against the documents applicable to your situation in Portugal.
KEEP THESE QUESTIONS
Your checklist for the next conversation
- Identify the vehicle and actual use.
- Separate vehicle damage and injuries.
- Define internal incident contacts.
- Reassess regular business use.
FROM THE ARTICLE TO YOUR SITUATION
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Sources and transparency
Content updated on .
Consultation dates are stated in individual references when available.
Numerical examples are fictional and explain concepts. Editorial interpretations are identified in the text.
Information from RMACHADO GROUP. This is not an insurance offer or individual advice. Covers, acceptance, exclusions, sums insured and costs depend on the policy. The intermediary does not underwrite the risks.