Insurance made simple
Motor legal protection: is a compensation advance a final payment?
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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Motor
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Insurance made simple
Towing vehicle and trailer accident: must I split my claim between insurers?
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.
Read articleLife doesn’t warn you
No medical discharge yet: can motor insurance make a provisional offer?
Inês and Clara distinguish a provisional offer for past expenses from final assessment and payment timing in a bodily-injury claim in Portugal.
Read articleLife doesn’t warn you
The insurer accepted liability against my account: can I submit new information?
In the situation covered by article 36, five working days are available to submit information, followed by a final decision. Distinguish this step from repeating the accident report.
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Motor insurance: do the eight working days to pay run from the accident?
Payment to the injured party has its own reference point and requires the necessary documents. Rui and Clara separate decision, enquiry and payment.
Read articleLife doesn’t warn you
Motor assessment report: when must it be made available?
The four-working-day rule starts when the assessment is completed and has qualifications. Learn what to request and how the report differs from a decision or repair instruction.
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A passenger opens a door and damages another car: is motor insurance excluded?
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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Alcohol-related crash: does paying victims stop an insurer seeking money from the driver?
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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Are family members travelling in the car excluded from motor insurance?
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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Three insurers refused motor insurance: what option is available?
A statutory special-acceptance route exists after at least three refusals. Understand the distinctions, ASF’s role and the restriction on intermediary involvement.
Read articleLife in the policy
Total loss: is comparing the repair estimate with the car’s value enough?
The economic total-loss test also includes salvage. See the addition, legal thresholds and a fictional example, separating classification from compensation.
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Missed vehicle inspection: can the insurer recover a third-party indemnity from you?
Recovery rights involve more than the inspection date. Understand malfunction’s role in the accident and a statutory qualification at contract formation.
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You sold your car: when does the 120-day insurance suspension period start?
Suspension while awaiting a replacement vehicle must be requested. Understand when the 120 days start and what happens if replacement does not take place.
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The registration search found no insurance: what should you check?
No insurance record in a registration lookup? Separate a service error, a missing record and the policy’s actual status. Know what to check and how to document a discrepancy.
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Coming from another EU country: can an insurer treat your motor claims history differently?
If an insurer uses claims-history statements to calculate premiums, statements from another Member State are subject to equal-treatment rules. This does not guarantee the same price.
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The garage started dismantling the car before inspection: what should you record?
Urgent dismantling can change the evidence of damage. Preserve the timeline and communicate clearly with the garage, insurer and intermediary.
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Electric-car charging fire: which insurance should you notify?
Motor insurance, damage to your own car and damage to the building require different questions. Learn how to organise a notification and check the contract before assuming who pays.
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Digital proof of motor insurance: must you use Portugal's ID.Gov app?
ASF explains that electronic proof of motor insurance does not depend exclusively on ID.Gov. Check the document and learn when paper issue can be requested.
Read articleLife doesn’t warn you
Will the FGA pay for car damage caused by an unidentified vehicle?
Portugal's FGA distinguishes personal injury from property damage. Understand the current unidentified-vehicle rule and avoid confusing it with uninsured driving.
Read articleRenew
The car's insured value fell: must the total insurance price fall by the same percentage?
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.
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You are the injured party after an accident: does a replacement car depend on your assistance cover?
Separate the injured party's Article 42 right from optional assistance and own-damage cover. Check responsibility, immobilisation and duration.
Read articleLife doesn’t warn you
Drivers disagree after a collision: how should you prepare the statement and evidence?
No agreement on the collision? Read ASF guidance on separate statements and organise facts, photos and contacts without deciding fault yourself.
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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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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.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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