THE ESSENTIALS
Before you start
- Separate the vehicle from third-party damage.
- Describe observations without inventing a cause.
- Prioritise safety and assistance.
The key distinction
Lusitania distinguishes liability from vehicle fire, lightning and explosion cover. Protection for the car itself requires examining the optional benefit purchased.
Sources: Lusitania — Dúvidas frequentes — checked on 22 October 2026 ↗
A decision in practice
Fictional example: Paulo finds fire damage to his car without yet knowing the cause. He records what he observed instead of writing electrical fault merely because it seems plausible. If other property was damaged, he lists it separately and informs the entities handling the matter.
The next step
Do not approach a burning vehicle: protect your safety and request emergency help. Afterwards, seek instructions about inspection, removal and preserving relevant evidence. Check the insured amount, excess and exclusions for the benefit being considered. A photograph of a fire does not replace assessment of its cause or establish the insurer's decision.
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
- Separate the vehicle from third-party damage.
- Describe observations without inventing a cause.
- Prioritise safety and assistance.
- Check the purchased fire benefit.
FROM THE ARTICLE TO YOUR SITUATION
Let us discuss your situation
Tell us what you want to protect. We review your request and help compare relevant terms. Requesting a quotation does not activate insurance.
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.