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You sold your car: when does the 120-day insurance suspension period start?
Suspension while awaiting a replacement vehicle must be requested. Understand when the 120 days start and what happens if replacement does not take place.
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Motor
The answers you are looking for about motor. Choose an editorial series and explore one question at a time.
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10 articles
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Coming from another EU country: can an insurer treat your motor claims history differently?
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.
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Digital proof of motor insurance: must you use Portugal's ID.Gov app?
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.
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The car's insured value fell: must the total insurance price fall by the same percentage?
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.
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Does zero excess apply to the same benefit at every workshop?
Before relying on zero excess, identify the benefit, workshop and access conditions in the motor insurance quotation.
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You reported vehicle theft to police: has the insurer been notified too?
A police report and insurer notification have different roles. Prepare contacts, documents and confirmation of receipt in the claim file.
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Does a motor quotation have just one excess?
Compare excesses by cover and distinguish own damage from the compulsory motor liability rule protecting an injured third party in Portugal.
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Your car now serves the business: how should you explain the change?
Describe actual vehicle use, separating commuting, customer visits and deliveries before reviewing a motor quotation in Portugal.
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Claims history and insurance proof: two different document roles
Organise claims history and insurance evidence when reviewing motor cover. Separate historical information, proposals and records for the current policy period.
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At motor renewal, compare the insured value with the excess
The annual premium does not show every change. Put the insured value, excess and relevant cover together when comparing your motor insurance renewal.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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