Companhia de Seguros Allianz Portugal, S.A.
Allianz
Allianz is a motor casco insurance for the Portugal market with no online purchase and 24/7 assistance.
Direct payment
Allianz offers preferential pricing and quality-guaranteed repairs when the vehicle is repaired at its network of authorized/partner repair shops across the country.
Geographic scope
Portugal
Vehicle and occupant travel assistance applies in Portugal and other European countries; remaining coverages apply in the countries listed on the Green Card (International Insurance Certificate).
Unique selling points
- No deductible applies to Glass Breakage, Fire, Theft/Robbery or Natural Phenomena claims, regardless of the policy's stated excess.
- New-vehicle replacement-in-new guarantee, covering the full new-purchase value (including registration costs) for cars less than 11 months old, maintained through the first 3 policy years.
- Reduced deductible when the vehicle is repaired within Allianz's own network of authorized repair shops.
- 24-hour, 7-day-a-week travel assistance hotline included as standard on every Allianz Auto policy.
- Free pre-inspection service and discounts on vehicle maintenance and car rental for policyholders.
Coverage limits
Own damage (Danos Próprios)
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.
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.
Partial loss / Collision, crash and rollover
100% of insured sum
Only in DP Mais
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.
Theft or 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.
Glass breakage
Optional
Only in DP Mais
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.
Natural perils and aircraft impact
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.
Strikes, riots, civil commotion, vandalism and terrorism
100% of insured sum
Only in DP Mais
Covers damage to the vehicle caused by strikes, civil commotion, acts of vandalism and terrorism; only available under the DP Mais tier.
Travel/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.
Courtesy/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.
Occupants coverage (death/disability, medical and funeral expenses)
€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.
Key conditions
Driver age and experience limit
No minimum driver age or licence-experience restriction specific to the own-damage (Danos Próprios) coverages was found in the reviewed policy documents.
Repair network requirements
When repairs are performed at Allianz's authorized repair network, the deductible applied is lower than the deductible stated in the policy's particular conditions.
Territorial scope
Vehicle and occupant travel assistance applies in Portugal and the rest of Europe; the remaining coverages apply in the countries indicated on the Green Card (International Insurance Certificate).
Anti-theft requirements
Theft/robbery claims generally require the policyholder to be in possession of all original vehicle keys and components at the time of the incident, per standard Allianz Auto policy terms; check the current Condições Gerais e Especiais for exact wording.
Claim notification deadline
Policyholders must notify the insurer of a claim within a maximum period of 8 days from the occurrence or the day they become aware of it.
Deductible rules
No deductible is applied to Glass Breakage, Fire, Theft/Robbery or Natural Phenomena coverages; a lower deductible applies when the vehicle is repaired within Allianz's authorized repair network; otherwise the applicable deductible amount is set out in the policy's Particular Conditions.
Documents
Insurance Product Information Document - Auto Insurance
IPID
Pre-Contractual Information Note - Auto Insurance
Other document
General and Special Terms and Conditions - Allianz Auto (02/2026)
Terms & conditions
General and Special Terms and Conditions - Allianz Auto (04/2022)
Terms & conditions
Allianz Auto Coverage Table
Table of benefits
Policy specifics
Authorized repair network
When repairs are performed at Allianz's authorized repair network, the deductible applied is lower than the deductible stated in the policy's particular conditions
SourceNew vehicle replacement value guarantee
For new vehicles (where the contract start date does not exceed 11 months from first registration), Allianz may guarantee payment of the replacement value in new of the vehicle on the day of loss, including registration costs, with only deductible deduction
SourceCoverages with no deductible
Allianz does not apply any deductibles to Glass Breakage, Fire, Theft/Robbery, and Natural Phenomena coverages
SourceCourtesy/replacement vehicle
Allianz Auto provides a replacement vehicle in case of breakdown or accident, available for repairs up to a maximum of 5 days
SourceClaims notification period
Policyholders must notify the insurer of a claim within a maximum period of 8 days from the occurrence or the day they become aware of it
SourceVehicle valuation method
The insured capital for vehicle damage is based on the acquisition value or market value of an equivalent vehicle, determined using the Autovista Eurotax Portugal reference value or APS published tables
SourceOccupants coverage
Coverage for death or permanent disability of vehicle occupants and driver resulting from motor accidents, with covered amounts including medical treatment expenses and funeral expenses
SourceDriving impairment exclusions
Accidents caused by driver dementia, driving under influence of alcohol above legal limit, drugs, or toxic substances are excluded from coverage
Source