Does zero excess apply to the same benefit at every workshop?

Read the relevant distinction

Fidelidade’s public motor table lists Acesso Franquia 0 € as a separate item. The commercial label does not describe every condition of use. Request the wording applicable to your quotation and establish whether workshop, repair type or prior approval changes your contribution. Do not generalise from an option’s name.

Sources: Fidelidade — Automóvel, tabela de coberturas ↗

A fictional example

Fictional example: Miguel compares two quotations and prefers his usual garage. He asks each intermediary how that choice is treated for the particular benefit being compared. He keeps the responses with the quotation versions instead of copying the most favourable headline. The example calculates no settlement and confirms no repair without charges.

Prepare an answerable enquiry

Put benefit, intended workshop, procedure and excess on the same comparison line. Separate a stated policy excess from a benefit subject to access conditions. If damage already exists, clarify that claim’s procedure before commissioning work yourself. A review of future protection must not be presented as a retrospective change to an incident. Keep questions unresolved wherever the document provides no answer, rather than assuming that a zero figure applies outside its stated context.

Discuss the insurance need

On rmachado.group select Automóvel and explain this question to prepare an insurance review. An enquiry does not confirm acceptance or cover. Share personal documents only through the indicated appropriate channel.