RMACHADO GROUPINSURANCE INTERMEDIARYRMACHADO GROUP · THE MAGAZINE
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70 articles
Life in the policy
Portugal’s two-year life insurance rule has a specific scope. Distinguish negligence, intentional concealment and supplementary covers when reading a refusal.
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Check vessel type, engine and length against Portugal’s compulsory recreational-boat liability rules before comparing insurance proposals.
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Found an incorrect answer in a life insurance application? Identify the correction, confirm receipt and clarify the decision before relying on cover.
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Understand why advice on insurance-based investments separates risk tolerance from financial loss capacity. Prepare objectives, commitments and questions.
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A financial-loss demand requires more than an invoice. Separate loss, alleged lost benefits and professional-liability scope before comparing protection.
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Before a snow holiday, check the activity, plan and optional benefits. A Fidelidade example separates personal protection, rescue and damage to equipment.
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Map stops, transfers and storage before relying on cargo transit cover. Unloading can have different consequences depending on its purpose and the applicable clause.
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Separate liability from occupant protection in boat insurance. Check who is insured, benefit limits and boarding or disembarking operations.
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Separate insured capital, mortgage debt and beneficiaries of any remainder. Use a worked example to prepare questions about mortgage life insurance.
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A reference to third-party damage does not explain every rented or entrusted item. Prepare specific checks for student accommodation insurance.
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Packing and stowage affect cargo-insurance assessment. Organise responsibilities, preparation and evidence without inferring cover from a box's exterior.
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Compare hunting liability and firearm-holder liability separately. Check benefits, documents and scope without assuming a licence has been validated.
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Early return and trip interruption may address different expenses. Organise transport, reservations, refundable amounts and assistance contact details.
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Organise the diagnosis and machine documents to distinguish warranty, maintenance and contracted insurance. Leasing alone does not decide who pays for repair.
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Start with the certificate, then check the policy year, insured parties, professional acts and group-policy terms before deciding whether it is sufficient.
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Portugal's AMIM certifies a degree of disability, while an insurance disability claim requires assessment of the cover. Organise documents and questions before assuming an outcome.
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Cyber insurance reporting and data-protection duties serve different purposes. Organise assessment, records and deadlines without waiting for final forensics.
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Before signing a service agreement, compare requested commitments with the insurance terms. Organise clauses, activities and questions for review.
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The entity responsible for a montaria, batida or largada has a distinct insurance duty. Check organiser details and cover when preparing the event.
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Describe the return journey and condition of goods before relying on insurance previously arranged for the outward delivery.
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Check the event, ownership and expenses in an own-hunting-dog benefit rather than treating it as general veterinary cover.
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With an outside-network prescription, check who requests prior authorisation, which channel to use and how to track the response.
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Professional liability defence costs can have separate terms and sublimits. Compare the base policy with supplementary protection.
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Hunting liability and damage to your own weapon are separate insurance questions. Check the insured property, events and limits.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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