Insurance made simple
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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Motor
The answers you are looking for about motor. Choose an editorial series and explore one question at a time.
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64 articles
Life 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.
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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.
Read articleRenew
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
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 articleLife doesn’t warn you
Selling your car: can the buyer keep your insurance?
Prepare a car sale in Portugal without confusing the handover of keys with an insurance transfer. Check ASF guidance and organise the communications.
Read articleInsurance made simple
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.
Read articleRenew
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.
Read articleRenew
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.
Read articleRenew
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 articleLife in the policy
Policyholder, owner and main driver: are they the same person?
Rui and Clara separate three motor insurance roles. Learn how to describe actual use and clarify discrepancies before submitting a request.
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A 2% excess: two per cent of what?
A percentage without its calculation base is not enough to compare excesses. Work through a fictional example and prepare specific proposal questions.
Read articleInsurance made simple
Towing and a replacement car: did you ask both questions?
Practical questions to distinguish vehicle assistance from replacement car use and clarify terms before you need them.
Read articleInsurance made simple
Motor insurance: third-party liability, own damage and excesses
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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