Casco (own-damage car insurance) — Portugal

[1] Own damage: 100% of insured sum ↩

Own-damage protection is a facultative module (Danos Próprios) added on top of mandatory third-party liability, with two tiers (DP Base and DP Mais) offering progressively broader coverage; the insured capital corresponds to the vehicle's acquisition value or the market value of an equivalent vehicle.

[2] Total loss: 100% of insured sum ↩

The insured capital used as the basis for the total-loss payout is the vehicle's acquisition value or market value of an equivalent vehicle, determined by Autovista Eurotax Portugal reference values (or APS tables where unavailable); vehicles less than 3 months old at inception do not suffer depreciation at first renewal.

[3] Partial loss: 100% of insured sum ↩

Collision, crash and rollover damage to the insured vehicle is covered only under the DP Mais tier, in addition to the coverages included in the DP Base package.

[4] Theft & robbery: 100% of insured sum ↩

Guarantees indemnification for loss of possession, destruction or deterioration of the vehicle due to theft, robbery or unauthorized use (attempted or completed); included in both DP Base and DP Mais tiers, with no deductible applied.

[5] Glass damage: Optional ↩

Glass breakage cover is added under the DP Mais tier for more complete protection, on top of the DP Base package; no deductible is applied to this coverage.

[6] Natural perils: 100% of insured sum ↩

Indemnifies for damage to the vehicle from natural elements such as storms, floods, hail or earthquakes, or from falling aircraft; included in both DP Base and DP Mais, with no deductible applied.

[7] Vandalism: 100% of insured sum ↩

Covers damage to the vehicle caused by strikes, civil commotion, acts of vandalism and terrorism; only available under the DP Mais tier.

[8] Roadside assistance: Covered ↩

Travel assistance to the vehicle and its occupants is available 24 hours a day, 7 days a week via a dedicated phone line, and forms part of the base option on all Allianz Auto policies.

[9] Replacement vehicle: Optional ↩

Provides a courtesy replacement vehicle in the event of breakdown or accident, available for the repair period up to a maximum of 5 days; available with the RC Plus and DP Plus coverage options. A separate 'Veículo de Substituição em Novo' feature (replacement value in new) also exists for new vehicles under DP Base and DP Mais.

[10] Driver accident: €15,000 ↩

Covers death or permanent disability of the vehicle's occupants and driver resulting from a motor accident, with a base-option capital of €15,000 per person for death/disability, plus €1,500 for medical treatment expenses and €1,500 for funeral expenses; forms part of the base option.

[11] Own damage: Covered ↩

Coverage for damage to the insured vehicle caused by collision or other defined perils, forming the core of the comprehensive (danos próprios) cover.

Choque, Colisão ou Capotamento

[12] Total loss: Covered ↩

A vehicle is considered a total loss when, following an accident, the repair cost exceeds 75% of the vehicle's value.

Quando, em consequência de um acidente, um veículo sofre danos cujo custo de reparação ultrapassa 75% do valor do veículo.

[13] Partial loss: See details ↩

Not separately specified in the available Portuguese-language sources.

[14] Theft & robbery: See details ↩

The product page distinguishes robbery (with force/violence) from theft (without force) but does not state explicit coverage limits for this product.

Tanto o roubo como o furto envolvem a apropriação da propriedade de outra pessoa, mas a diferença é que no roubo há violência ou força na propriedade para atingir esse objetivo (por exemplo, arrombando uma fechadura ou partindo uma janela), enquanto o furto ocorre sem força, intimidação ou violência.

[15] Glass damage: Covered ↩

A dedicated glass-breakage claims line is provided, indicating glass damage is a covered peril, though no monetary limit is stated.

Sinistros de quebra de vidros : +351 808 211 690

[16] Natural perils: See details ↩

Not specified in the available sources.

[17] Vandalism: See details ↩

Not specified in the available sources.

[18] Roadside assistance: Covered ↩

In case of vehicle breakdown, towing is provided to the required location starting from km 0.

Em caso de avaria do veículo, rebocamo-lo até ao lugar que necessite desde o km 0.

[19] Replacement vehicle: See details ↩

Not specified in the available sources.

[20] Driver accident: See details ↩

Not specified in the available Portuguese-language sources for this product.

[21] Own damage: 70% of insured sum ↩

Covers damage to the insured vehicle from collision, impact or overturning. Under the mandatory Capital Seguro Proporcional condition applicable to Autoestima, the insured capital corresponds to 70% of the vehicle's market value (valor venal); a single 250 € deductible applies.

Quando contratada a presente Condição Especial as partes expressamente convencionam que o capital seguro das Garantias de Danos ao Veículo efetivamente contratadas e indicadas nas Condições Particulares corresponde a 70% do valor venal do veículo seguro.

[22] Total loss: 70% of insured sum ↩

With the Capital Seguro Proporcional condition contracted (as in Autoestima), the vehicle is deemed a total loss when the repair cost exceeds the capital seguro (70% of market value) or the vehicle disappears/is destroyed. No deductible or salvage deduction is applied when the salvage value is 30% or less of the vehicle's market value; on request, Fidelidade will search for a replacement vehicle with similar characteristics.

Em caso de Perda Total: a) Não haverá lugar à dedução da franquia contratual nem do valor do salvado sempre que o valor deste seja menor ou igual a 30% do valor venal do veículo seguro; b) Sempre que solicitado pelo Segurado, o Segurador promoverá a procura de um veículo com caraterísticas semelhantes às do veículo seguro para substituição do mesmo.

[23] Partial loss: 70% of insured sum ↩

Partial damage not amounting to total loss is repaired up to the capital seguro (70% of the vehicle's market value); repairs are carried out at an insurer-designated Autoestima workshop, which may use used or IAM parts, and the 250 € deductible is deducted from the indemnity.

As reparações do veículo seguro, serão efetuadas na oficina indicada pelo Segurador e poderão ser realizadas com recurso a peças usadas e ou produzidas por fabricantes independente (IAM - Independent Aftermarket Manufactured), sempre que a utilização das mesmas garanta o correto funcionamento do veículo.

[24] Theft & robbery: 70% of insured sum ↩

Covers disappearance, destruction or deterioration of the vehicle following theft, robbery or unauthorised use (attempted, frustrated or completed), up to 70% of the vehicle's market value. Charging cables are covered when inside the vehicle or, during charging, outside it, provided they are factory-fitted or declared as Extras. Indemnity is only due 60 days after the police report if the vehicle is not recovered.

Em caso de desaparecimento do veículo, o Segurado adquire direito ao pagamento da indemnização devida, decorridos que sejam 60 dias sobre a data da participação da ocorrência à autoridade competente se, no termo desse período, o veículo não tiver sido recuperado.

[25] Glass damage: Covered ↩

Covers isolated breakage of the windscreen, rear window, sunroof/panoramic roof or side windows not accompanied by other vehicle damage. The current Liber 3G general and special terms and conditions do not state a specific euro limit for this cover; the insured capital for this guarantee is set out in the Particular Conditions of each policy.

A presente Condição Especial garante ao Segurado, nos termos constantes das Condições Particulares, o ressarcimento dos danos causados ao veículo seguro em virtude de quebra ou rutura isolada dos vidros – ou equivalente em matéria sintética -, do para-brisas, do óculo traseiro, do teto de abrir ou panorâmico e dos vidros laterais, ocasionada por evento que não cause outros danos no veículo.

[26] Natural perils: 70% of insured sum ↩

Covers damage caused by storms, floods, seismic phenomena or land movements, and by falling trees, roof tiles, chimneys, walls or urban structures caused by these events, up to 70% of the vehicle's market value. All damage from the same storm/flood event within 48 hours, or the same seismic event within 72 hours, counts as a single claim.

Sempre que os danos causados ao veículo seguro sejam consequência de tempestades e inundações, considera-se como um único e mesmo sinistro todos os prejuízos, com a mesma proveniência, sofridos pelo veículo nas 48 horas posteriores às primeiras manifestações danosas.

[27] Vandalism: 70% of insured sum ↩

Covers damage from vandalism, terrorism, sabotage, strikes, riots, labour disputes and public-order disturbances, and from measures taken by lawfully constituted authorities in response to such events, up to 70% of the vehicle's market value; a 250 € deductible applies (listed as 'Riscos Sociais e Políticos' on the Autoestima benefits table).

[28] Roadside assistance: Covered ↩

Autoestima includes the PLUS level of Assistência em Viagem. Key sub-limits: towing/breakdown assistance 500 €, vehicle removal/extraction 200 € (max 3 occurrences/year); unlimited sanitary repatriation and vehicle transport/repatriation; medical, surgical and hospitalisation expenses abroad up to 10,000 €/person/trip and 40,000 €/trip; funds advance abroad up to 1,250 €/6,250 €; unlimited assistance for lost/stolen luggage; unlimited 24/7 telephone assistance.

1.1. Desempanagem e/ou Reboque do Veículo Seguro em Consequência de Avaria, Acidente, Fenómenos da Natureza ou Furto ou Roubo Remoção ou Extração do Veículo (Máximo de 3 Ocorrências por Anuidade) 200 € 75 € 200 € 75 € 500 € 200 € 500 € 200 € 500 € 200 € 1.500 € 750 € 2.500 € 1.500 € 500 € 250 € Europa (2) ou Portugal

[29] Replacement vehicle: Optional ↩

The Autoestima-specific benefits table lists Veículo de Substituição Nível 1 as an optional cover ('(o)'), providing a base/equivalent-range replacement vehicle in case of accident. Note: the pre-contractual information document (IPC/DIPS) shows the same Nível 1 cover for Autoestima without an optional marker, which conflicts with the product-specific table; this record follows the narrower Autoestima table and flags the discrepancy.

[30] Driver accident: €10,000 – €500,000 ↩

Autoestima includes driver personal-accident cover in one of two mutually exclusive forms: Proteção ao Condutor, paying 10,000 €/1,000 €, 50,000 €/5,000 € or 100,000 €/10,000 € (death or permanent disability / treatment expenses), or Proteção Vital do Condutor, a broader indemnity of 500,000 € covering future patrimonial loss, biological damage, home/vehicle/workplace adaptation and related benefits. Only one of the two can be in force at a time.

[31] Own damage: 100% of insured sum ↩

Own-damage cover is only available under the 'Valor' and 'Valor Mais' tiers (Ligeiro de Passageiros) and the 'Valor Mais' tier (Motociclos). The insured amount is not a fixed capital but the vehicle's current value (Valor Atual do Veículo) plus valued extras, forming the Valor Total a Segurar (§8.1 of the proposal); this value is subsequently subject to an annual/monthly depreciation table (§8.2). Own-damage cover cannot be accepted for vehicles that already show damage, even minor, at inception.

Valor Atual do Veículo: Extras (conforme Condições Gerais da Apólice) discriminar e valorizar: Valor Total a Segurar:

[32] Total loss: 100% of insured sum ↩

Where the 'Valor Mais' tier's Choque, Colisão e Capotamento (CCC), Furto/Roubo, Incêndio or Fenómenos da Natureza covers are contracted, a total-loss payout applies when the vehicle disappears, repair is technically inadvisable, or estimated repair cost plus salvage value exceeds 100% (vehicles up to 2 years old) or 120% (vehicles over 2 years old) of the vehicle's market value, calculated per the applicable depreciation table.

Nos termos do DL 214/97, de 16 de agosto, é aplicada a tabela descrita em anexo e entregue ao Cliente.

[33] Partial loss: 100% of insured sum ↩

Choque, colisão ou capotamento (CCC) is only available combined with glass breakage (QIV) under the 'Valor Mais' tier, with a selectable deductible of 0%, 2%, 4%, 8%, 12% or 20% of the insured value.

CCC 0% CCC 2% CCC 4% CCC 8% CCC 12% CCC 20% e QIV 0 € QIV 50 €**

[34] Theft & robbery: 100% of insured sum ↩

Theft/robbery own-damage cover is available under the 'Valor' tier (Ligeiro de Passageiros) and the 'Valor Mais' tier (Ligeiro de Passageiros and Motociclos); the insured capital equals the value shown in the Danos Próprios schedule.

Furto ou roubo * ... Capital indicado no quadro de Danos Próprios

[35] Glass damage: 100% of insured sum ↩

Sold bundled with Choque, Colisão e Capotamento under the 'Valor Mais' tier only. Deductible is 0€ or 50€; the QIV deductible is not applied whenever the glass is repaired rather than replaced, and on new policies this deductible waiver is highlighted as a standard benefit.

** A franquia prevista na cobertura Quebra isolada de vidros (QIV) não será aplicável em caso de reparação do vidro.

[36] Natural perils: 100% of insured sum ↩

Available only under the 'Valor Mais' tier for light passenger vehicles (not offered for Motociclos), with a fixed deductible of 2% of the insured value, covering events such as windstorm, flooding, earthquake and similar phenomena as defined in the General Conditions.

Fenómenos da natureza e Atos de vandalismo * ... 2%

[37] Vandalism: 100% of insured sum ↩

Bundled with Fenómenos da Natureza and available only under the 'Valor Mais' tier for light passenger vehicles (not offered for Motociclos), with a fixed deductible of 2% of the insured value.

Fenómenos da natureza e Atos de vandalismo * ... 2%

[38] Roadside assistance: €150 – €500 ↩

Standard 'Assistência em viagem' is included under the 'Essencial' tier; the enhanced 'Assistência em viagem VIP' is included under the 'Valor' and 'Valor Mais' tiers. For roadside towing/breakdown assistance specific to classic vehicles, the General Conditions' Assistance schedule sets a maximum indemnity of 150 € (Normal) / 500 € (VIP). An optional 'Assistência em viagem ACP Ouro' is also available, but only applicable to policies mediated through ACP.

Limite máximo de indemnização para veículos clássicos 150 € 500 €

[39] Replacement vehicle: See details ↩

No 'Viatura de substituição' row appears in the Automóvel Clássicos coverage/capital/deductible table; this benefit is not offered under the Classic Vehicle product tiers (it exists only in Generali's standard, non-classic Automóvel product).

[40] Driver accident: €10,000 – €25,000 ↩

Not available under the 'Light' tier. Under 'Essencial': 10.000 € death/permanent disability, 1.000 € treatment/repatriation or funeral for occupants, 1.500 € for the driver. Under 'Valor' and 'Valor Mais' (Ligeiro de Passageiros): 25.000 € death/permanent disability, 2.500 € for occupants, 3.750 € for the driver. Under 'Valor Mais' (Motociclos): 10.000 € death/permanent disability, 1.000 € for occupants, 1.500 € for the driver.

Morte ou invalidez permanente Despesas de tratamento e repatr. ou funeral de ocupantes Despesas de tratamento e repatr. ou funeral do condutor 2.500 € 1.500 € 3.750 €

[41] Own damage: Excluded ↩

This policy does not cover damage to the insured vehicle itself; it only provides mandatory third-party civil liability and travel assistance.

Tenha em atenção que cobertura do Seguro por Dias apenas inclui responsabilidade civil obrigatória — cobrindo danos a terceiros — e assistência em viagem, desde que a avaria ocorra a mais de 15 km da morada indicada na apólice. Por isso, o seguro não cobre danos ao próprio veículo nem lesões do condutor causador do acidente, sendo estas coberturas apenas possíveis através de outro tipo de seguros mais completos.

[42] Total loss: Excluded ↩

Total loss of the insured vehicle is not covered, as the product only includes mandatory liability and travel assistance, not own-damage protection.

Danos ao veículo segurado;

[43] Partial loss: Excluded ↩

Partial damage repairs to the insured vehicle are not covered under this policy.

Danos ao veículo segurado;

[44] Theft & robbery: Excluded ↩

Theft or robbery of the insured vehicle is not covered, as the product excludes own-damage perils.

Danos ao veículo segurado;

[45] Glass damage: Excluded ↩

Isolated glass breakage on the insured vehicle is not covered under this policy.

Danos ao veículo segurado;

[46] Natural perils: Excluded ↩

Damage to the insured vehicle from natural phenomena is not covered under this policy.

Danos ao veículo segurado;

[47] Vandalism: Excluded ↩

Damage to the insured vehicle from vandalism is not covered under this policy.

Danos ao veículo segurado;

[48] Roadside assistance: Covered ↩

Travel assistance is provided by ARAG and included in every policy, covering vehicle breakdown when it occurs at least 15km from the address stated in the policy, plus legal assistance (criminal defense, damages claims, traffic fine defense), across Europe and Mediterranean coast countries.

Incluída na Europa e nos países da costa mediterrânea. Assistência ao veículo quando a avaria ocorra a pelo menos 15 km do domicílio.

[49] Replacement vehicle: See details ↩

No source describes a replacement vehicle benefit for this product.

[50] Driver accident: Excluded ↩

Injuries to the at-fault driver are not covered, since the policy does not include own-damage or driver-protection coverage.

Lesões ao condutor segurado responsável;

[51] Own damage: Excluded ↩

Choque, Colisão e Capotamento (collision, impact and rollover) cover is marked as not included (✗) in the LOGO Max Auto Topping coverage table, in both the standard and ROR (Rede de Oficinas Recomendadas) network variants, and is not offered as an optional add-on.

Choque Colisão e Capotamento Incêndio Raio e Explosão Opcional

[52] Total loss: Conditional ↩

Total loss is indemnified only when caused by a peril actually contracted (theft/robbery is included as standard; fire and natural perils are optional add-ons; collision is not covered). Valuation follows the Condições Gerais (G100) rules on 'valor em novo' minus the applicable depreciation table. The extra 'Complemento de Indemnização por Perda Total' benefit that existed in the earlier Topping tier is marked as not included (✗) in the current LOGO Max coverage table.

Após a determinação do valor seguro nos termos da cláusula anterior, e salvo se outro regime de desvalorização for acordado e expresso nas Condições Particulares, o valor do veículo seguro para efeitos de determinação do montante a indemnizar em caso de perda total, será, nos meses e anuidades seguintes aos da celebração do contrato, automática e sucessivamente alterado de acordo com a tabela de desvalorização aplicável.

[53] Partial loss: Excluded ↩

As Choque, Colisão e Capotamento is not covered under LOGO Max, partial (repairable) own-damage loss arising from collision or impact is also not covered; only glass breakage and, if contracted, fire/natural-perils partial damage are indemnifiable.

[54] Theft & robbery: Covered ↩

Furto ou Roubo is marked as included (✓) in LOGO Max, covering disappearance, destruction or deterioration of the vehicle by theft, robbery or unauthorised use (attempted or consummated); the insured capital is defined in the Condições Particulares. Under the ROR variant, resulting repairs must be carried out exclusively at LOGO's Rede de Oficinas Recomendadas.

As reparações do veículo seguro que se enquadrem no âmbito da presente Condição Especial, serão efetuadas exclusivamente numa oficina integrante da Rede de Oficinas Recomendadas do Segurador.

[55] Glass damage: Covered ↩

Quebra de Vidros – Prestador Indicado is included as standard, covering the windscreen, sunroof, panoramic roof, rear and side windows; the insurer indicates the repairer and the indemnity is capped at €150 if the policyholder arranges repair without prior consultation. Quebra de Vidros Plus is offered as an optional upgrade. The insured capital is stated in the Condições Particulares.

Sempre que o Tomador do Seguro ou o Segurado, por sua iniciativa, proceda à reparação dos danos nos vidros sem prévia consulta ao Segurador, a responsabilidade deste no âmbito da presente Condição Especial ficará limitada ao valor máximo de 150 €.

[56] Natural perils: Optional ↩

Fenómenos da Natureza is marked 'Opcional' in the LOGO Max table; when contracted it covers windstorm/fallen trees, cyclones, floods, hail, earthquakes and similar events. Under the ROR variant, resulting repairs must be carried out exclusively at the Rede de Oficinas Recomendadas.

As reparações do veículo seguro que se enquadrem no âmbito da presente Condição Especial, serão efetuadas exclusivamente numa oficina integrante da Rede de Oficinas Recomendadas do Segurador.

[57] Vandalism: Excluded ↩

Atos de Vandalismo is marked as not included (✗) in the LOGO Max Auto Topping coverage table, in both the standard and ROR variants, and is not offered as an optional extra.

Atos de Vandalismo Fenómenos da Natureza Opcional

[58] Roadside assistance: €250 – €500 ↩

Towing/desempanagem is generally unlimited within Portugal subject to distance-based response-time bands, but the specific indemnity payable when the assistance service cannot be contacted or the vehicle is immobilised abroad is tiered: €250 under Multi Assistência Base and €500 under Multi Assistência VIP and VIP Plus. The 'Auto na Hora' guarantee additionally pays €60 if tow response exceeds 60 minutes and €120 if it exceeds 120 minutes (Portugal only).

Limite máximo de indemnização em caso de impossibilidade de contactar os serviços de assistência ou de imobilização do veículo no estrangeiro

[59] Replacement vehicle: 5 days – 30 days ↩

Days of cover vary by cause and tier: for breakdown (avaria), all tiers grant up to 3 occurrences / 5 days of a vehicle of equivalent category; for immobilisation from vandalism, natural perils or fire (when contracted), Base grants 2 occurrences / 30 days, while VIP and VIP Plus grant 2 occurrences / 30 days with a maximum of 5 days between immobilisation and the start of repair; theft/robbery replacement (2 occurrences / 30 days) and total-loss replacement (15 days) are only available under VIP and VIP Plus, not Base. Valid exclusively in Portugal.

Viatura de substituição por Atos de vandalismo, Fenómenos da natureza e Incêndio, raio e explosão Limite máximo de intervenções por anuidade Período máximo de dias por ano 2 ocorrências 30 dias

[60] Driver accident: Covered ↩

Proteção de Ocupantes e Condutor is included (✓) in LOGO Max, covering death or permanent disability and treatment/repatriation/funeral expenses for the driver and occupants following a traffic accident, under Modalidade I (policyholder/driver/family) or Modalidade II (all occupants) as stated in the Condições Particulares, where the insured capital is also defined. Death/disability risks are only covered if verified within 2 years of the accident.

Os riscos de Morte ou Invalidez permanente só estarão cobertos se verificados dentro do prazo de dois anos após o acidente de viação que lhes tiver dado causa.

[61] Own damage: Covered ↩

Base 'all-risks' cover guaranteeing, up to the capital insured for each item stated in the Particular Conditions, direct damage to the insured machinery/equipment from any cause occurring during the policy period, except the exclusions set out in the General, Special and Particular Conditions. The IPID states an aggregate limit of up to €1,250,000 per policy and risk location, with a per-machine limit of up to €500,000. Cover applies while equipment is in operation, at rest, being assembled/disassembled, or under maintenance/repair; it does not apply to machines circulating on public roads under their own power.

Garante, até ao limite dos capitais seguros para cada um dos bens seguros discriminados e valorados nas Condições Particulares, os danos diretamente causados nesses bens, em consequência de sinistro ocorrido dentro do período de vigência da apólice, qualquer que seja a sua causa, salvo as constantes das exclusões estabelecidas nas Condições Gerais, Especiais e Particulares aplicáveis.

[62] Total loss: Covered ↩

A good is deemed a total loss when it is not technically repairable or when repair cost equals or exceeds its market value before the loss. Indemnification corresponds to the replacement value, in new condition, of an identical item on the day of the loss, plus assembly, normal freight and customs costs, less depreciation for use and condition before the loss; capped by the capital insured stated in the Particular Conditions.

No caso de perda total de um bem seguro, a MAPFRE liquidará uma indemnização correspondente ao valor que o bem seguro afetado tinha à data do sinistro. Esse valor será determinado com base nos critérios estabelecidos no artigo 6.º considerando-se o valor de substituição, em novo no dia do sinistro, de um bem com idênticas características e rendimento, acrescido das despesas de montagem, fretes normais e direitos alfandegários, deduzindo-se o valor relativo à depreciação inerente ao seu uso e estado antes da ocorrência do sinistro.

[63] Partial loss: Covered ↩

When damage is repairable, indemnification includes all expenses necessary to restore the good to the condition it was in immediately before the loss, including disassembly, assembly, freight and customs costs; if such expenses equal or exceed the pre-loss value, the total-loss settlement rule applies instead. Capped by the capital insured stated in the Particular Conditions.

Se os danos sofridos pelo bem seguro forem reparáveis, serão englobadas no cálculo da indemnização todas as despesas necessárias para o repor nas mesmas condições em que se encontrava imediatamente antes de ocorrer o sinistro, compreendendo as despesas decorrentes de trabalhos de desmontagem, montagem, fretes ou direitos alfandegários se os houver.

[64] Theft & robbery: Excluded ↩

Simple theft (furto simples) and its attempt are explicitly excluded from all coverages under the General Conditions' general exclusions. Theft/robbery is additionally excluded specifically within the optional Strikes & Riots (CE02), Vandalism (CE03) and Seismic Phenomena (CE04) covers, whether or not committed with breaking-and-entry or violence, when related to the risks those specific covers insure.

Atos de furto simples ou sua tentativa;

[65] Glass damage: See details ↩

No dedicated glass-breakage coverage is mentioned in any of the reviewed sources for this industrial machinery casco product.

[66] Natural perils: 100% of insured sum ↩

Optional cover (CE04), up to the limit set in the Particular Conditions and capped at the insured value of the machine, for damage caused by earthquakes, tremors, volcanic eruptions, tsunamis, underground fire and resulting fire. Events within 72 hours of the first damage count as a single claim. Subject to a deductible of 5% of the capital insured.

Fenómenos Sísmicos (limite até ao valor seguro da máquina)

[67] Vandalism: 100% of insured sum ↩

Optional cover (CE03), up to the limit set in the Particular Conditions and capped at the insured value of the machine, for damage caused by vandalism or malicious acts, and by authorities acting to safeguard people/property during such events. Subject to a deductible of 10% of the claim with a minimum of €125 per equipment.

Atos de Vandalismo (limite até ao valor seguro da máquina)

[68] Roadside assistance: See details ↩

No roadside/breakdown assistance service is mentioned in any of the reviewed sources for this industrial machinery casco product.

[69] Replacement vehicle: See details ↩

No replacement equipment/vehicle benefit is mentioned in any of the reviewed sources for this industrial machinery casco product.

[70] Driver accident: See details ↩

No personal accident cover for the machine operator/driver is mentioned in any of the reviewed sources for this industrial machinery casco product.

[71] Own damage: 100% of insured sum ↩

Covers damage to the insured vehicle from collision, impact or overturning, up to the insured value of the vehicle. Only included in the Prestige tier; not available in Standard or Plus. Deductible: 0% for vehicles up to 24 months old, otherwise 2% of insured value with a minimum of 250€; a variable 10% surcharge applies in certain driver-profile situations (see key_conditions).

Se, no momento do sinistro, o condutor do veículo seguro tiver idade inferior a 25 anos e/ou carta há menos de 2 anos e o condutor declarado na apólice não tiver alguma dessas características, o valor da franquia a aplicar em Choque, Colisão ou Capotamento é de 10% do valor seguro.

[72] Total loss: 100% of insured sum ↩

When any own-damage (Danos Próprios) guarantee is triggered and the vehicle is declared a total loss (e.g. repair cost/salvage exceeds set thresholds relative to insured value), the insurer pays cash indemnity up to the insured value of the vehicle, less the salvage value, or replaces the vehicle. Applies only where the relevant Danos Próprios cover (available from Plus/Prestige) is contracted.

A Mapfre Santander poderá optar pela atribuição de uma indemnização em dinheiro até ao valor seguro do veículo, conforme definido no artigo 38º das Condições Gerais, deduzido do valor do salvado, ou pela substituição do veículo seguro por outro igual...

[73] Partial loss: 100% of insured sum ↩

For claims not qualifying as total loss, the insurer repairs or indemnifies the damage to restore the vehicle to its pre-loss condition, deducting the applicable deductible; repairs use new (original or homologated equivalent) parts. Applies only where the relevant Danos Próprios cover (available from Plus/Prestige) is contracted.

A MAPFRE Santander reparará ou indemnizará os danos causados no veículo seguro desde que os mesmos não se enquadrem na definição de Perda Total (artigo 38º), deduzido o valor da franquia.

[74] Theft & robbery: 100% of insured sum ↩

Indemnifies total disappearance of the vehicle, parts, accessories or extras, or damage from theft/robbery/unauthorised use attempts, up to the insured value. Sold as a paid optional add-on in the Plus tier; included with no deductible in the Prestige tier. Not available in Standard.

Garante, em caso de furto, roubo ou furto de uso (tentado, frustrado ou consumado) do veículo seguro, a indemnização por desaparecimento total do veículo, das suas peças, acessórios ou extras ou por danos sofridos pelos mesmos em consequência desses atos.

[75] Glass damage: — ↩

Plus tier includes 'Quebra Isolada de Vidros' (isolated glass breakage not accompanied by other vehicle damage) capped at 1.000€, with 'Quebra de Vidros' (full glass cover) available as a paid optional alternative in Plus. Prestige includes full 'Quebra de Vidros' up to the insured value of the vehicle. Standard deductible is 50€, waived when repair/replacement is carried out at a MAPFRE specialist glass workshop in its provider network.

Garante os danos causados nos vidros do veículo seguro, que resultem da sua quebra ou rotura isolada, devido a uma causa violenta e instantânea, alheia à vontade do tomador, do segurado, do condutor ou de pessoas sob a responsabilidade destes, que não provoque outros danos no veículo seguro.

[76] Natural perils: 100% of insured sum ↩

Covers windstorm, flood, earthquake, landslide and hail (Riscos Catastróficos) and fire/lightning/explosion (Incêndio, Raio ou Explosão), up to the insured value of the vehicle. Sold as a paid optional add-on in the Plus tier; included with no deductible in the Prestige tier. Not available in Standard.

Riscos Catastróficos: Garante os danos sofridos pelo veículo seguro em consequência dos seguintes riscos catastróficos:

[77] Vandalism: 100% of insured sum ↩

Covers vandalism/malicious acts, strikes, riots, civil disturbances and related authority action, up to the insured value of the vehicle. Only offered as a paid optional add-on within the Prestige tier; not available in Standard or Plus. Deductible: minimum 125€ for vehicles up to 24 months old (only tier/age combination where this option is offered without the higher deductible), otherwise 2% of insured value with a minimum of 250€.

Atos Maliciosos: Garante os danos sofridos pelo veículo seguro em consequência de: a) Atos de vandalismo ou maliciosos;

[78] Roadside assistance: €250 – €500 ↩

Included in all tiers under different modalities: Base (Standard), Plus (Plus) and Premium (Prestige), covering towing/transport for breakdown, accident, theft or robbery, vehicle recovery, hotel stays, repatriation and more. Towing/transport limit is 250€ (max.) in Base/Plus and 500€ (max.) in Premium; most person-related benefits (sanitary transport/repatriation) are unlimited.

No caso de imobilização do veículo seguro por avaria, acidente ou danos causados por furto ou roubo, garante a procura de reboque ou transporte até à oficina escolhida pela pessoa segura, bem como o pagamento das despesas correspondentes.

[79] Replacement vehicle: Optional ↩

Two distinct mechanisms exist: (1) a standalone paid optional cover, only offered in the Prestige tier, providing a replacement vehicle (light passenger/mixed, up to 2.000cc) for up to 30 days per claim and per policy year following a covered Danos Próprios claim; (2) an embedded travel-assistance benefit for breakdown/accident, giving 3 days per occurrence (max. 2 occurrences/year) in the Plus modality and 5 days per occurrence (max. 2 occurrences/year) in the Premium modality; not available in the Base (Standard) modality. Both are limited to Portugal (mainland, Madeira and the Azores).

Veículo de Substituição: Garante o aluguer de um veículo de substituição caso o segurado fique privado do uso do veículo seguro por imobilização ocasionada por Perda Parcial ou Total em consequência de sinistro garantido pelas coberturas de Choque, Colisão ou Capotamento...

[80] Driver accident: €50,000 ↩

Pays 50.000€ for death or permanent disability, plus 5.000€ medical/hospital/transport expenses, 50€/day hospitalisation allowance (max. 360 days), 2.500€/15.000€ vehicle/home adaptation expenses and 1.000€ clothing/footwear damage. Automatically included (no separate premium) once the Plus or Prestige tier is selected; not available in Standard.

Acidentes do Condutor/Segurado: Garante, até aos limites estabelecidos nas Condições Particulares, em caso de acidente de que resultem lesões corporais nas pessoas seguras, o pagamento de:

[81] Own damage: 100% of insured sum ↩

Optional cover, activated on payment of an extra premium, for damage to the insured vehicle caused by collision, rollover, fire, lightning, explosion or glass breakage, up to the vehicle's insured value (Valor Seguro).

Fica expressamente convencionado que nos termos, condições e exclusões desta Condição Especial, a presente apólice garante os danos no veículo seguro em consequência de choque, colisão, capotamento, incêndio, raio e explosão e quebra de vidros.

[82] Total loss: 100% of insured sum ↩

Optional cover for total loss of the insured vehicle resulting from choque/colisão/capotamento, incêndio/raio/explosão, or furto/roubo/furto de uso. A vehicle is deemed a total loss when repair cost exceeds 70% of its market (venal) value at the date of loss, or when damage severely affects its safety conditions.

Fica expressamente convencionado que nos termos, condições e exclusões desta Condição Especial, a presente apólice garante a perda total do veículo mencionado nas Condições Particulares, desde que resulte de choque, colisão, capotamento, incêndio, raio ou explosão, furto ou roubo ou furto de uso.

[83] Partial loss: 100% of insured sum ↩

Damage to the insured vehicle that is repairable and does not meet the total-loss definition. Repair costs paid under this cover are capped at the maximum indemnity that would apply in case of total loss.

Danos parciais, danos causados ao veículo seguro, em consequência de sinistro coberto pelo contrato, passíveis de reparação por não se enquadrarem na definição de perda total.

[84] Theft & robbery: 100% of insured sum ↩

Optional cover for loss, destruction or deterioration of the insured vehicle and its components due to attempted, frustrated or completed theft, robbery or unauthorised use, up to the vehicle's insured value.

Fica expressamente convencionado que nos termos, condições e exclusões desta Condição Especial, a presente apólice garante os prejuízos ou danos em consequência do desaparecimento, destruição ou deterioração do veículo e seus componentes (neles se incluindo cabos elétricos de carregamento de baterias) por motivo de furto, roubo ou furto de uso tentado, frustrado ou consumado.

[85] Glass damage: €1,500 – €2,500 ↩

Four selectable glass-breakage variants: 'Base' and 'Coleção' cap panoramic windscreens/roofs at the capital stated in the Particular Conditions; 'Genérico' caps panoramic glass at €1,500 per breakage (max. one occurrence/year); 'Marca' caps panoramic glass at €2,500 per breakage (max. one occurrence/year) and requires brand dealer workshops.

O custo de reparação ou substituição e respetivos gastos de colocação de para-brisas panorâmicos, tejadilhos panorâmicos, tetos de abrir e respetivos acessórios indispensáveis à conclusão do serviço no veiculo seguro, até ao máximo de 1.500 € por quebra e até uma ocorrência por ano.

[86] Natural perils: 100% of insured sum ↩

Optional cover for damage from typhoons, cyclones, tornados, strong winds, torrential rain/floods, earthquakes, volcanic eruptions, tsunamis, landslides, and aircraft/space-object impact, up to the vehicle's insured value; limited to mainland Portugal and Madeira/Azores.

Fica expressamente convencionado que nos termos condições e exclusões desta Condição Especial, a presente apólice garante os danos causados no veículo seguro em consequência de: a) Tufões, ciclones, tornados e toda a ação direta de ventos fortes ou choque de objetos arremessados ou projetados pelos mesmos.

[87] Vandalism: 100% of insured sum ↩

Optional cover for damage caused by acts of terrorism, vandalism, malicious acts or sabotage, and acts of authorities to safeguard people/property during such events, up to the vehicle's insured value; Zurich may cancel or reprice this cover after a claim.

A Zurich, pode cancelar esta cobertura em seguida à ocorrência de qualquer sinistro ou, a todo o tempo, com aviso prévio de 8 (oito) dias proceder à alteração do respetivo prémio.

[88] Roadside assistance: €125 – €500 ↩

Optional Assistência em Viagem cover, sold in five tiers (045 Base, 017 Completa, 034 Master, 035 Coleção, 019 Aluguer) with different limits; towing/breakdown assistance for light passenger vehicles ranges from €125 (Base) to €500 (Completa/Coleção); not guaranteed under Master/Aluguer for this vehicle class. Also includes puncture/fuel/lost-key assistance and mechanic call-out, per tier table.

Ligeiros de passageiros 125 € 500 € Não garantido 500 € Não garantido

[89] Replacement vehicle: Optional ↩

Optional cover providing a replacement vehicle (up to 2,000cc for passenger cars, up to 2,500cc for commercial vehicles) while the insured vehicle is immobilised, subject to market availability. Limits are set by event type: up to 30 days per accident/year for traffic accidents, incêndio/raio/explosão or other covered events, and up to 60 days per year for theft/robbery.

a Zurich coloca à disposição a Pessoa Segura uma viatura de substituição de classificação equivalente ao grupo contratado (Vidé 7.1 e 7.2), mencionado nas Condições Particulares da Apólice, e sempre que disponível no mercado, até ao máximo de: a) 2.000 c.c., no caso do veículo seguro ser um ligeiro de passageiros. b) 2.500 c.c., no caso do veículo seguro ser um ligeiro de mercadorias.

[90] Driver accident: Optional ↩

Optional personal-accident cover for the driver and/or occupants of the insured vehicle (death, permanent disability, treatment/repatriation expenses, temporary incapacity), with capitals freely agreed and stated in the Particular Conditions. Death indemnity is doubled if the seatbelt was worn at the time of the accident.

A indemnização devida nos termos do número anterior será ampliada para o dobro do capital, se for provado que, no momento do acidente, a vítima fazia uso do cinto de segurança.