RMACHADO GROUPINSURANCE INTERMEDIARYRMACHADO GROUP · THE MAGAZINE
The answers you are looking for about motor. Choose an editorial series and explore one question at a time.
20 articles
Insurance made simple
For a cross-border purchase, the 30 days concern the location of risk and run from acceptance of delivery. Prepare the insurance questions before collecting the car.
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A benefit called an advance may be a loan that must be repaid. Understand the distinction before including it in your budget after an accident.
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An injured party has a specific route when the towing vehicle and trailer have separate liability policies. Understand the rule without anticipating the claim decision.
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Payment to the injured party has its own reference point and requires the necessary documents. Rui and Clara separate decision, enquiry and payment.
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Two parked cars and a door opened by a passenger: being stationary does not, by itself, exclude use as a means of transport. Separate that issue from liability and damage.
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Payment to third parties and recovery against the driver are separate questions. Understand the alcohol rule, road-law thresholds and records to retain.
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Do not read kinship as a general exclusion of passengers’ own injuries. Distinguish bodily injury, property damage and the driver responsible for the accident.
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A statutory special-acceptance route exists after at least three refusals. Understand the distinctions, ASF’s role and the restriction on intermediary involvement.
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Urgent dismantling can change the evidence of damage. Preserve the timeline and communicate clearly with the garage, insurer and intermediary.
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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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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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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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Separate natural-event damage, glazing and bodywork when describing hail damage and checking your motor policy in Portugal.
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A motor settlement and an outstanding finance balance can differ. Prepare questions about limits, recipients and the applicable terms.
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Compare purchase-value wording, sums insured and motor policy terms. A purchase invoice alone does not guarantee an insurance settlement.
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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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Separate compulsory motor liability from driver and occupant protection in Portugal. Check injury benefits, insured people and relevant limits.
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A percentage without its calculation base is not enough to compare excesses. Work through a fictional example and prepare specific proposal questions.
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Practical questions to distinguish vehicle assistance from replacement car use and clarify terms before you need them.
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Compare third-party protection, own-damage cover, excesses and motor assistance. Learn how to prepare a quotation request and report an incident.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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