RMACHADO GROUPINSURANCE INTERMEDIARYRMACHADO GROUP · THE MAGAZINE
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465 articles
The office at 6 pm
Identify the activity and legal requirements before comparing business liability. A real-estate example shows why minimum limits are not universal.
Read articleThe condominium group
Understand why transferring risk to an insurer does not remove prevention duties or every employer responsibility. Organise tasks, insurance and records.
Read articleInsurance made simple
A repair may combine components treated differently by insurance. Read an identified exclusion example and organise questions by component and cause.
Read articleInsurance made simple
Under Portugal's compulsory regime for dangerous or potentially dangerous animals, an excess cannot be invoked against the injured third party. Understand the distinction.
Read articleThe condominium group
Before promising compensation on an insurer's behalf, check the notification procedure. Organise facts, documents and the insurer's response under family liability cover.
Read articleThe office at 6 pm
Personal accident insurance may exclude motorised two-wheelers. Read the Allianz example and the checks to make before relying on protection for a motorbike journey.
Read articleLife in the policy
Before a snow holiday, check the activity, plan and optional benefits. A Fidelidade example separates personal protection, rescue and damage to equipment.
Read articleConversations at home
Call-out, diagnosis, parts and labour may be treated differently. Learn how to read a technician-dispatch benefit in Portuguese home insurance.
Read articleRenew
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.
Read articleLife doesn’t warn you
Waiting periods and pre-existing-condition exclusions have different effects. Understand Article 216 and the written terms to check before taking out health insurance.
Read articleInsurance made simple
Understand the general time limits, Portugal's 2026 reference table and the handling of protected health information when applying for credit-linked life insurance.
Read articleThe office at 6 pm
Separate machine repair, accelerated recovery and lost production. Compare extraordinary expenses and indirect losses in machinery casco insurance.
Read articleInsurance made simple
Separate financial debt from leased equipment value. An exercise helps check the sum insured and valuation terms before requesting changes.
Read articleLife in the policy
Map stops, transfers and storage before relying on cargo transit cover. Unloading can have different consequences depending on its purpose and the applicable clause.
Read articleLife doesn’t warn you
Separate incident-response costs from a ransomware demand. Read digital-extortion protection without assuming that ransom payments are insured.
Read articleRenew
When a company starts contracting or invoicing services, check who is insured and which acts are covered. Prepare the liability review with the correct roles.
Read articleThe condominium group
Separate the main business's liability from the subcontractor's own insurance. Map entities, tasks and certificates before stating that everyone is insured.
Read articleInsurance made simple
Prepare work-accident insurance for a +Talento internship without assuming automatic inclusion. Identify the scheme, tasks, dates and insurer confirmation.
Read articleThe office at 6 pm
Separate stock from cash when reviewing shop insurance. Identify the benefits, locations and limits to check before relying on one contents sum.
Read articleConversations at home
Organise a musical instrument's identification, condition and value evidence. Distinguish equivalent acquisition cost, sentimental value and the accepted sum insured.
Read articleLife doesn’t warn you
Distinguish damage caused by a hunting dog from injury to the dog itself. Check the activity and liability scope without assuming cover.
Read articleThe condominium group
Compulsory building fire insurance and contents protection require separate checks. Find the relevant information for furniture, appliances and residents' belongings.
Read articleRenew
Include the current procedure programme and required guarantee model in a surety request. Check the full wording and avoid conflicting document versions.
Read articleLife in the policy
Separate liability from occupant protection in boat insurance. Check who is insured, benefit limits and boarding or disembarking operations.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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