Allianz
Allianz Auto is a motor casco insurance for the PT market with online purchase and 24/7 assistance.
Direct payment
Claims can be reported via the eCliente portal, by email to sinistro.auto@allianz.pt, via the e-SEGURNET app, or through an Allianz mediator. Allianz does not make direct payments to repair shops on behalf of the insured; the insured uses the Allianz partner workshop network and Allianz settles with the network directly. For glass-only claims, no claims form is needed when using the Allianz glass network.
Geographic scope
PT
Responsabilidade Civil e Danos Próprios: países indicados no Certificado Internacional de Seguro (Carta Verde). Assistência em Viagem: Portugal e restantes países da Europa.
Unique selling points
- No deductible applied to glass, fire, theft/robbery or natural phenomena coverages in any module — a differentiator not universally offered by competitors.
- New vehicles within 3 months of first registration receive full new replacement value (without depreciation) for the first 2 policy years in the event of total loss.
- Nationwide partner workshop network offering reduced deductibles, vehicle collection/delivery within 35 km, and a courtesy vehicle during repairs — all in one service package.
- 24/7 travel assistance (freephone 800 201 833) included in all modules, covering Portugal and the full European Carta Verde territory, with real-time tow tracking via the Allianz app.
- Fully digital claims journey: report accidents via the e-SEGURNET app or eCliente portal, with glass-only network repairs requiring no claims form at all.
Coverage limits
Own Damage – Collision, Collision and Overturn (Choque, Colisão ou Capotamento)
Optional
Covers damage to the insured vehicle resulting from collision, impact or overturn. Indemnity is based on the insured capital (vehicle market value per Autovista Eurotax Portugal or APS tables at date of loss). A deductible applies (standard or reduced, varying by vehicle value, workshop type and module chosen). Available only in the DP Mais modules (Franquia Alta, Franquia Baixa, Sem Franquia).
Total Loss (Perda Total)
Optional
In the event of total loss (where repair costs approach or exceed vehicle replacement value), indemnity is paid based on the insured capital at the date of the claim, determined using Autovista Eurotax Portugal or APS market value tables. For new vehicles within the first 3 months of registration, and during the first 2 policy years, the insured capital is the new replacement value without depreciation (Valor de Substituição em Novo). Available in DP Base and DP Mais modules.
Partial Loss – Own Damage (Danos Parciais)
Optional
Covers partial repair costs to the insured vehicle following a covered peril (collision, fire, theft, natural phenomena, vandalism). Deductible applies to collision/vandalism claims. No deductible applies to fire, theft/robbery, glass or natural phenomena. Repair must be carried out in the Allianz partner network to benefit from the reduced deductible rate.
Theft or Robbery (Furto ou Roubo)
Optional
Covers loss of possession, destruction or deterioration of the insured vehicle due to theft or robbery. Indemnity is based on the insured capital (market value). No deductible is applied to this coverage by Allianz. Available from DP Base module upwards.
Isolated Glass Breakage (Quebra Isolada de Vidros)
Optional
Covers the replacement or repair of vehicle glazing (main glass panels only) when broken other than as a result of a road traffic accident. Does not include headlights, mirrors or synthetic-material panels. Valid only in the Allianz authorised glass-repair network. No deductible applied. Maximum indemnity: 2,500 EUR. Available from RC Mais module upwards.
Natural Phenomena and Aircraft Falls (Fenómenos da Natureza e Queda de Aeronaves)
Optional
Covers damage to the insured vehicle caused by natural elements such as storms, floods, hail, and falling aircraft. No deductible is applied by Allianz to this coverage. Indemnity is based on insured capital. Available from DP Base module upwards.
Strikes, Civil Unrest, Vandalism and Acts of Terrorism (Greves, Tumultos, Comoções Civis, Vandalismo e Atos de Terrorismo)
Optional
Covers damage to the insured vehicle caused by strikes, civil unrest, riots, acts of vandalism and terrorism. A deductible applies to this coverage. Available only in DP Mais modules; not available for trucks, articulated vehicles or buses.
Travel Assistance (Assistência em Viagem)
Covered
24/7 roadside assistance included in all modules (base level in RC Base, top level in RC Mais and all DP modules). Covers towing, tyre damage, stolen vehicle location, and other assistance services. Available in Portugal and across Europe (per Carta Verde territory). Accessible via freephone 800 201 833.
Replacement Vehicle (Veículo de Substituição)
Optional
Provides a replacement vehicle in case of breakdown or accident during vehicle repair, for a maximum of 5 days (up to 3 times per year). Available in RC Mais and all DP modules. In DP Mais modules, an additional extension of 30 days (Privação de Uso / Extensão de Aluguer) is included for accident-related immobilisations. When using the Allianz partner network, a courtesy or replacement vehicle is available during the repair period.
Occupants – Death or Permanent Disability (Ocupantes: Morte ou Invalidez Permanente)
Covered
Covers the driver and all occupants of the insured vehicle. In the event of a road traffic accident, pays indemnity for death or permanent disability (15,000 EUR per insured person), treatment expenses (up to 1,500 EUR) and funeral expenses (up to 1,500 EUR). Included in all modules. Exclusions include accidents caused by driving under the influence of alcohol above the legal limit, drugs or without a licence.
Key conditions
driver_age_experience_limit
No explicit minimum driver age or experience requirement is stated in the publicly available policy documents. However, driving under the influence of alcohol above the legal limit, without a valid driving licence, or due to dementia are explicitly excluded events that void coverage.
repair_network_requirements
Allianz operates a nationwide partner workshop network. Use of the network is recommended for own damage claims and provides a reduced deductible compared to using an outside workshop. The network also provides vehicle pick-up and drop-off within a 35 km radius. For glass repairs, the Allianz authorised glass network must be used to benefit from the glass coverage (no claims form required for glass-only repairs in network).
territorial_scope
Mandatory liability (RC) coverage applies in countries indicated on the International Insurance Certificate (Green Card / Carta Verde). Travel assistance covers Portugal and other European countries. Other optional coverages (own damage, theft, glass, etc.) apply as per the Green Card territory indicated in the policy.
anti_theft_requirements
No specific anti-theft device requirement is stated in the publicly available policy documents for the standard personal vehicle product. Coverage for theft and robbery is subject to the general conditions and the insured capital as per Autovista Eurotax Portugal or APS tables.
claim_notification_deadline
The insured must report claims to Allianz within a maximum of 8 days from the date of the occurrence or the date of knowledge of the accident (per NIP Auto and DAAA submission requirement). The DISPS (IPID) states a maximum of 15 days. Claims can be reported via the e-SEGURNET app, the eCliente portal, by email to sinistro.auto@allianz.pt, or through an Allianz mediator. The completed DAAA (Declaração Amigável de Acidente Automóvel) must be submitted to Allianz for processing material-damage-only accidents involving two vehicles.
deductible_rules
Deductibles apply only to: Collision/Impact/Overturn (Choque, Colisão e Capotamento) and Strikes/Vandalism/Terrorism (Greves, Tumultos, Comoções Civis, Vandalismo e Atos de Terrorismo) coverages. No deductible is applied to: Glass, Fire/Lightning/Explosion, Theft/Robbery, or Natural Phenomena coverages. Two deductible options are available (standard and reduced), varying by vehicle insured capital (from under 5,000 EUR to over 500,000 EUR), type of workshop (Allianz network vs. outside), and module chosen. Using the Allianz partner workshop network results in a lower deductible than the standard amount. The DP Mais Sem Franquia module eliminates the deductible entirely for own damage coverages.
Policy specifics
Replacement vehicle coverage
Coverage providing a replacement vehicle in case of damage to insured vehicle, with duration up to 5 days
Full replacement value new vehicles
New vehicles within 3 months of first registration receive full replacement value without depreciation during first 2 policy years
Glass coverage without deductible
Coverage for broken windows with no deductible applied
Death and permanent disability coverage for occupants
Coverage for occupant death or permanent disability from traffic accidents with capital of 15,000 EUR
Deductible variation by vehicle value
Deductible values vary based on vehicle capital insured, workshop type, and coverage module chosen
Allianz partner workshop network
Network of authorized workshops throughout Portugal offering quality guarantees and negotiated prices
Total loss determination
Vehicle is considered total loss when repair costs approach or exceed replacement value
Claim reporting deadline
Insured must report claims within 8 days of occurrence or knowledge of accident
Friendly agreement requirement for material damage
For material damage only accidents involving two vehicles, insured must complete friendly agreement (DAAA) even if not at fault