THE ESSENTIALS
Before you start
- Identify the natural-event benefit.
- Separate glass and bodywork damage.
- Record the observed date and location.
The key distinction
Zurich lists catastrophic natural risks among its motor options. An available option does not prove that it was purchased or that every hail event meets its definition.
Sources: Zurich — Auto Ligeiros e Comerciais — checked on 22 October 2026 ↗
A decision in practice
Fictional example: after severe weather, Miguel finds bodywork dents and a windscreen crack. He records them separately, noting where and when he discovered them. A neighbour mentions another similar event, but Miguel does not copy that date because he does not know whether it explains his own damage.
The next step
Ask the insurer to distinguish the glass assessment from the bodywork assessment, including excesses and limits. Photographs, location and available weather information help describe the event; they should never be altered to fit a policy definition. Avoid cosmetic repairs before receiving instructions, apart from necessary safety or mitigation measures that are properly documented.
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 natural-event benefit.
- Separate glass and bodywork damage.
- Record the observed date and location.
- Confirm instructions before repair.
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.