THE ESSENTIALS
Before you start
- The definition of an accident does not remove contractual exclusions.
- The Allianz document reviewed excludes the use of motorised two-wheelers.
- Describe work, leisure and journeys accurately in the proposal.
The policy name does not describe every accident
Article 210 of Portugal's Insurance Contract Legal Regime addresses bodily injury, disability or death caused by a sudden, external and unforeseeable event. The contract defines protection through benefits, insured amounts and exclusions. An accidental event is not automatically covered by that policy.
The Allianz Acidentes Pessoais product information document 963, dated July 2019 and still available at the reviewed address, lists use of motorised two-wheelers among its exclusions. This example does not establish that every product or contract has the same rule.
Sources: Allianz Acidentes Pessoais — Product information 963, July 2019, exclusions ↗ · Diário da República — Insurance Contract Legal Regime, Article 210 ↗
Describe the use you want assessed
Explain whether the motorbike is used for private journeys, commuting or professional tasks. Specify whether the question concerns the rider, passenger or both. This avoids applying an answer about one situation to a different situation without grounds.
Do not reduce the question to engine size where the wording reviewed refers generally to motorised two-wheelers. Request the clause relevant to the actual proposal. A benefit labelled 'road accident' or a worldwide-territory statement does not automatically override this type of exclusion.
Sources: Allianz Acidentes Pessoais — Product information 963, July 2019, exclusions ↗
Make two checks before comparing prices
First obtain written clarification of the scope for the described use. Then, if a suitable proposal exists, compare the benefits: death capital, disability, treatment expenses or daily allowances, according to what is actually purchased. Do not add amounts serving different purposes as if they were one guaranteed payment.
Fictional example: two proposals display a €50,000 base insured amount. One excludes use of two-wheelers; the other needs clarification about that use. The same figure on the first page does not demonstrate equivalent protection. The example does not identify an available offer or recommend an insured amount.
Sources: Allianz Acidentes Pessoais — Product information 963, July 2019, exclusions ↗ · Allianz — Personal accident insurance and product documents ↗
Prepare the request without guessing about the risk
When requesting a quotation from RMACHADO, describe the activity, journeys and protection sought for the person. If you already have policies relating to the vehicle or professional activity, identify them so their respective functions can be organised for assessment.
Do not replace insurance required for an activity with optional cover without checking the applicable requirements. RMACHADO can help prepare the application and document comparison; acceptance and terms depend on the insurer. Keep the response and the document applicable to the use assessed.
Sources: Allianz Acidentes Pessoais — Product information 963, July 2019, exclusions ↗ · Allianz — Personal accident insurance and product documents ↗ · Diário da República — Insurance Contract Legal Regime, Article 210 ↗
KEEP THESE QUESTIONS
Your checklist for the next conversation
- Read exclusions concerning two-wheelers.
- Identify rider, passenger and actual use.
- Obtain a written answer for the described situation.
- Compare benefits after clarifying the scope.
- Check the activity's compulsory-insurance requirements separately.
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.
- Allianz Acidentes Pessoais — Product information 963, July 2019, exclusions ↗
- Allianz — Personal accident insurance and product documents ↗
- Diário da República — Insurance Contract Legal Regime, Article 210 ↗
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.