RMACHADO GROUPINSURANCE INTERMEDIARYRMACHADO GROUP · THE MAGAZINE
Find your topic. Understand the conditions. Make a clearer decision.
53 articles
Renew
Check whether the records show only a new name for the same legal entity or a transfer to another entity. Identification does not decide payment under the guarantee.
Read articleRenew
CP’s stowage rules, the operator’s legal liability and insurance cover require separate checks. A clause about carriage in a car does not confirm cover on a train.
Read articleRenew
Life insurance has specific non-payment and reinstatement rules in Portugal. Find the policy deadline and distinguish a late payment from confirmed protection.
Read articleRenew
Overinsurance has a rule on reducing the contract and refunding excess premiums. Understand good faith, the two-year period and the deduction of acquisition costs.
Read articleRenew
Distinguish a payment notice, renewal and an overdue instalment in Portuguese home insurance. No new letter does not prove that cover continues.
Read articleRenew
The effect depends on the insurance arrangement and why the loan ended. Distinguish full repayment, protection chosen to continue and a transfer to another bank.
Read articleRenew
Suspension while awaiting a replacement vehicle must be requested. Understand when the 120 days start and what happens if replacement does not take place.
Read articleRenew
If an insurer uses claims-history statements to calculate premiums, statements from another Member State are subject to equal-treatment rules. This does not guarantee the same price.
Read articleRenew
Azorean regional hunting licences apply to a specified island and season. Understand how they relate to compulsory insurance and prepare documents before travelling.
Read articleRenew
ASF explains that electronic proof of motor insurance does not depend exclusively on ID.Gov. Check the document and learn when paper issue can be requested.
Read articleRenew
Two liability references do not prove identical protection or double compensation. Compare risk, interest and period, and clarify disclosure duties.
Read articleRenew
An annual policy may have its own foreign-trip limit. Compare the complete tour calendar with the musical instrument insurance proposal.
Read articleRenew
Separate the business's own costs from third-party claims when comparing Cyber. Organise technical expenses, interruption and data liability.
Read articleRenew
Own-damage cover has rules for updating a vehicle's insured value and premium. Learn what to compare in the annual motor insurance renewal information.
Read articleRenew
When a company starts contracting or invoicing services, check who is insured and which acts are covered. Prepare the liability review with the correct roles.
Read articleRenew
Include the current procedure programme and required guarantee model in a surety request. Check the full wording and avoid conflicting document versions.
Read articleRenew
Dangerous-animal status can arise from behaviour rather than breed alone. Understand DGAV's framework and the insurance information to check.
Read articleRenew
Separate entry, ongoing and exit costs in insurance investments. See a compounding example with clear assumptions and no return promises.
Read articleRenew
Closing a practice and ending a policy are different dates. Review professional-liability timing, contacts and records before the activity ceases.
Read articleRenew
Describe commercial use and check insurance and activity requirements before offering the boat. A leisure policy is not authorisation to operate the service.
Read articleRenew
Non-renewal requires checking illness notification, the remaining limit and subsequent insurance. Understand Article 217's conditions and prepare your request.
Read articleRenew
Late delivery can cause a loss without damaging cargo. Separate the event, questions for the carrier and the provisions of the goods policy.
Read articleRenew
A scheduled consultation and sudden illness on holiday need different checks. Confirm territory, duration, limits and assistance procedures.
Read articleRenew
Machines and their components may receive different policy treatment. Separate wear, isolated component damage and damage to the machine when reviewing cover.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
Explore insurance