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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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Life in the policy
An accident in Portugal involving a foreign registration: where should you enquire?
Organise an enquiry after an accident in Portugal involving a foreign registration. Identify official channels, references and organisational roles.
Read articleThe office at 6 pm
The driver became unwell during a trip: another car or another driver?
When a driver becomes unwell, the need may concern personal assistance. Distinguish another driver from another car and check requirements.
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The charging cable was stolen but the car is undamaged: what should you check?
A charging cable and the vehicle are different items. Check disappearance circumstances, storage conditions, limits and excesses.
Read articleConversations at home
The car is at a workshop: can you book a hotel and claim later?
Before booking a hotel after a breakdown, check assistance terms, nights, included travellers and expense authorisation.
Read articleConversations at home
The car is being recovered: how do the occupants get home?
Vehicle recovery does not settle every journey. Check occupant transport, destinations, service limits and approved expenses.
Read articleLife doesn’t warn you
The same fault stopped the car again: is another recovery call enough?
Repeated breakdowns need context. Organise repair records and clarify the terms and limits of motor assistance.
Read articleLife doesn’t warn you
Your electric car has no charge: where would recovery take it?
Compare assistance for an electric car with no charge: recovery destination, charging points, occupant transport and service limits.
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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.
Read articleConversations at home
Childbirth and the baby’s expenses: are they one insurance benefit?
Request an itemised distinction between the mother’s and newborn’s expenses. Maternity cover alone does not explain every charge concerning the baby.
Read articleLife doesn’t warn you
Reporting a death: who confirms the insurance document list?
Prepare a death claim under a Portuguese life insurance policy. Separate evidence of the death, beneficiary identification and documents requested for the particular case.
Read articleLife doesn’t warn you
Hit a pillar without another vehicle: does compulsory cover repair your car?
Separate damage to your vehicle from damage to the pillar. A collision without another car still requires checking the covers and property involved.
Read articleLife doesn’t warn you
Missed an appointment: is a no-show charge an insured medical expense?
Before claiming a no-show charge, separate the provider’s cancellation conditions from insurance for a consultation actually delivered.
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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.
Read articleInsurance made simple
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.
Read articleInsurance made simple
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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Leaving your employer: what happens to group life insurance?
Leaving employment, exclusion from enrolment and ending a group contract are different events. Check the procedure and any continuation provided by the contract.
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Health renewal: which period does the available limit belong to?
Separate insured limits, recorded usage and reference periods before renewing Portuguese health insurance. Prepare clear questions about balances.
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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.
Read articleThe office at 6 pm
A company car accident: who brings the information together?
Organise the handover between a driver and the person managing company motor insurance, using factual reports, documents and one case reference.
Read articleThe office at 6 pm
Who is the key person's life insurance intended to protect?
Prepare a key person life insurance enquiry: business purpose, critical responsibilities, the amount to assess and the intended beneficiary.
Read articleThe office at 6 pm
The car will not start: does assistance pay for repairs?
Car will not start? Separate roadside assistance, towing, parts and workshop repairs when checking motor insurance in Portugal.
Read articleLife in the policy
Does glass cover include a panoramic roof and door mirrors?
Read motor glass cover component by component: a panoramic roof, windscreen and mirrors may have different treatment under the policy.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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