RMACHADO GROUPINSURANCE INTERMEDIARYRMACHADO GROUP · THE MAGAZINE
Find your topic. Understand the conditions. Make a clearer decision.
450 articles
The office at 6 pm
A loss-of-profit clause can count sales made away from the premises. Separate retained revenue, loss and protection at the alternative location.
Read articleInsurance made simple
The same policy may mention surgical prostheses under Hospitalisation and have a separate Prostheses and Orthoses benefit. Find out which expense category to clarify.
Read articleInsurance made simple
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.
Read articleLife doesn’t warn you
The Portuguese Civil Code allows treatment costs above an animal’s monetary value. Separate this rule from liability and the insurance response.
Read articleConversations at home
Temporary removal cover may require you to live at the destination and exclude simple storage. Examine the mechanism in one specific policy wording.
Read articleLife in the policy
Two names in a policy do not establish two independent protections after a payment. Current wording illustrates the effect on a joint-life contract.
Read articleThe office at 6 pm
Can higher pay reduce a permanent-incapacity pension? Understand the rule and its pension-review exception under Portuguese Law 98/2009.
Read articleInsurance made simple
An exclusion may extend to consultations and diagnostic tests before any technique begins. Read its scope, any express provisions to the contrary and the payment arrangement.
Read articleInsurance made simple
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 in the policy
A reference to transport after discharge and a transport-booking service do not have the same effect. See how two arrangements differ in specific policy wording.
Read articleRenew
Check whether the records show only a new name for the same legal entity or a transfer to another entity. Identification does not decide payment under the guarantee.
Read articleRenew
CP’s stowage rules, the operator’s legal liability and insurance cover require separate checks. A clause about carriage in a car does not confirm cover on a train.
Read articleInsurance made simple
Buying another asset, settling the claim and insuring the new item are separate decisions. A policy example explains who may choose replacement as the benefit.
Read articleConversations at home
A missed connection benefit may provide for a hotel and transport to it. That does not establish payment for a new ticket or resolve its application to separate bookings.
Read articleConversations at home
Article 500 of the Portuguese Civil Code requires an assessment of the task and the responsibility of the person performing it. Family liability policy wording then answers a separate question.
Read articleLife in the policy
The procedure’s number of K units and the euro value per K have different roles. Read a fee limit without confusing it with the final reimbursement.
Read articleLife in the policy
Recall costs before damage occurs cannot be inferred from product liability cover. Safety duties and an express policy extension serve different purposes.
Read articleThe office at 6 pm
Distinguishing an instruction sent to the bank from a payment made by the deceived person helps locate the relevant policy definition.
Read articleLife doesn’t warn you
Beatriz compares volunteering group insurance with personal accident cover: legal scope, insured people, tasks, duration and benefits.
Read articleLife doesn’t warn you
Inês and Clara distinguish a provisional offer for past expenses from final assessment and payment timing in a bodily-injury claim in Portugal.
Read articleConversations at home
The CIRS mentions rent insurance; that does not make every home policy deductible. Distinguish the expense and supporting documents to check under category F.
Read articleLife in the policy
The statutory right of choice has a defined scope. Locate the cover, special rules and expense limits before assuming full payment.
Read articleLife doesn’t warn you
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.
Read articleInsurance made simple
Portugal’s 14-day rule has requirements about the policyholder, application, documents and receipt. A quotation enquiry alone does not show that cover has started.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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