At motor renewal, compare the insured value with the excess

The amount and your share serve different purposes

Fidelidade’s own-damage information describes an excess deducted from an indemnity due. The insured value and excess therefore should not be treated as the same figure.

Copy the amounts from the previous and new proposals and retain their dates. If the excess uses a formula, copy it completely. Do not convert it into an amount without its calculation base and any applicable minimum.

Sources: Fidelidade — Automóvel, perguntas frequentes e documentos contratuais ↗

Compare without predicting a claim

Fictional example: Leonor finds an €18,000 insured value in an older document and €16,500 at renewal. The stated excess remains €500. She records three points to check: the amount, adjustment basis and version of the conditions.

For an arithmetic exercise only, €500 is approximately 2.8% of €18,000 and 3% of €16,500. This does not turn a fixed excess into a percentage excess. It simply helps Leonor understand the relationship between the figures.

Ask for the basis behind the difference

Ask the intermediary which valuation basis produced the amount and where it appears in the proposal. If an alternative uses another basis, request its scope and requirements rather than assuming two products are equivalent.

Include cover and premium in the same comparison. A larger amount on one line does not independently establish that a product suits the circumstances better. The purpose is to understand differences before choosing.

Keep the answer with the correct version

If requesting an amendment, record its reference and wait for confirmation of the terms and effective date. Do not replace the saved document with your own note saying “changed” while only an intention exists.

Prepare a Motor request at rmachado.group using current information. Avoid posting registration numbers, policy records or documents in comments to request a comparison.