Insurance made simple
Total loss: does keeping the salvage change the amount received?
Read pre-accident value, salvage value and vehicle ownership together. An illustrative calculation helps frame questions about a total-loss offer.
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Insurance made simple
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86 articles
Insurance made simple
Leased equipment: are delivery, installation and testing insured?
A policy's date and the start of a particular guarantee may need separate checks. Prepare a timeline from delivery to normal equipment operation.
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Customers' property in your custody: preparing the insurance enquiry
Workshops, cleaners and service businesses receive other people's property. Describe custody, work and values before comparing liability insurance.
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How to read an insurance investment Key Information Document
A practical route through the Key Information Document: product, risk, costs and early exit, with questions for comparing insurance investments in Portugal.
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Does «all risks» car insurance really cover everything?
Understand own-damage motor insurance, why exclusions still apply, and how to compare excesses, cover and the insured vehicle's value.
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Do payment and advance-payment bonds secure the same obligation?
Distinguish payment and advance-payment bonds by the obligation and parties involved before preparing a specific enquiry.
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One shipment a month: single-voyage insurance or an open policy?
Compare single-voyage and open cargo policies, including how shipments are declared and which confirmations need checking.
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Does family liability cover cycling at any distance from home?
Family liability insurance can set conditions for cycling. Check the vehicle, route and territorial scope in your policy.
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Can you distinguish surrender from reducing a life-insurance contract?
Surrender and reduction have different effects in life insurance. Identify the operation, the objective concerned and current terms before deciding.
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Does a cargo sum insured include freight and packing?
The goods price may not describe the whole transit exposure. Separate freight, packaging and other costs when requesting a quotation.
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Does a scorch mark establish a fire claim?
A scorch mark alone does not establish a fire claim. Learn which facts to record and which policy definition to check.
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Updated life cover: should the premium change by the same percentage?
Do not automatically apply a change in insured capital to the price of life cover. Separate the amounts and pricing factors in the quotation.
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Flat tyre: are assistance, repair and replacement the same benefit?
Distinguish roadside work, a spare wheel and buying a new tyre before deciding which costs are covered under your motor policy.
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Partial reimbursement: do the percentage and per-treatment limit calculate different things?
A fictional example separates the reimbursement rate, eligible expense and per-treatment cap without predicting the insurance payment.
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Funeral advance: is it separate from the life insurance benefit?
D. Graça and Clara separate additional capital, advances and reimbursement for funeral expenses, without assuming cover exists or cash is already available.
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Hail damaged the car: which cover should you look for?
Separate natural-event damage, glazing and bodywork when describing hail damage and checking your motor policy in Portugal.
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Day surgery or outpatient care: which limit pays the expense?
Check how a same-day procedure is classified, including the benefit limit, professional fees and health insurer authorisation in Portugal.
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A car is written off: will insurance always clear the finance?
A motor settlement and an outstanding finance balance can differ. Prepare questions about limits, recipients and the applicable terms.
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Purchase-value motor cover: is the invoice the amount you would receive?
Compare purchase-value wording, sums insured and motor policy terms. A purchase invoice alone does not guarantee an insurance settlement.
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Does pure-risk life insurance return money at the end?
Distinguish temporary death cover, mixed life insurance and savings. Premiums paid are not automatically an account available at maturity.
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A car parked for months: does non-use remove the insurance duty?
Keeping a car in a private garage does not automatically remove the insurance duty. Distinguish non-use from withdrawal and prohibition of use through a verifiable measure.
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Medical bill in foreign currency: which amount goes into the claim?
Keep the original bill, payment evidence and exchange-rate rule separate when preparing an overseas health expense claim in Portugal.
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Do the driver and passengers have the same motor cover?
Separate compulsory motor liability from driver and occupant protection in Portugal. Check injury benefits, insured people and relevant limits.
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Is a health card insurance or access to discounts?
Identify health insurance and discount plans in Portugal before comparing prices: the provider, documents, personal charges and how the product works.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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