Divina Seguros Casco (own-damage car insurance) (Seguro Automovel Danos Proprios)
Underwritten by Divina Pastora Seguros Generales, S.A.U. · Portugal
casco (own-damage car insurance) from Divina Seguros for the Portugal market, with 24/7 assistance.
Last verified Aug 27, 2026Sources
Key facts
- Divina Seguros
Unique selling points
24-hour roadside assistance from km 0, regardless of where the breakdown occurs.
Optional animal-collision cover specifically recommended for drivers in rural or game-crossing areas.
Dedicated, separate claims line specifically for glass-breakage incidents.
Backed by a group with more than half a million policyholders and over 65 years of insurance experience.
Coverage limits
Own Damage / Collision Coverage
Covered
Coverage for damage to the insured vehicle caused by collision or other defined perils, forming the core of the comprehensive (danos próprios) cover.
Section: Adaptado às suas necessidades
Choque, Colisão ou Capotamento
Total Loss Coverage
Covered
A vehicle is considered a total loss when, following an accident, the repair cost exceeds 75% of the vehicle's value.
Section: Perguntas mais frequentes
Quando, em consequência de um acidente, um veículo sofre danos cujo custo de reparação ultrapassa 75% do valor do veículo.
Partial Loss Coverage
No limit stated
Not separately specified in the available Portuguese-language sources.
Theft / Robbery Coverage
No limit stated
The product page distinguishes robbery (with force/violence) from theft (without force) but does not state explicit coverage limits for this product.
Section: Perguntas mais frequentes
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.
Glass Breakage Coverage
Covered
A dedicated glass-breakage claims line is provided, indicating glass damage is a covered peril, though no monetary limit is stated.
Section: OUTROS DADOS DE CONTACTO DE INTERESSE
Sinistros de quebra de vidros : +351 808 211 690
Roadside Assistance
Covered
In case of vehicle breakdown, towing is provided to the required location starting from km 0.
Section: SEGURIDADE
Em caso de avaria do veículo, rebocamo-lo até ao lugar que necessite desde o km 0.
Key conditions
Driver age and experience limit
Not specified in the available sources.
Repair network requirements
Not specified in the available Portuguese-language sources.
Anti-theft requirements
Not specified in the available sources.
Claim notification deadline
In case of material damage, the friendly accident report (APP: E-SEGURNET) must be completed and all information communicated to the insurer within a maximum of 7 days from the date of the accident.
Deductible rules
Not specified in the available sources.
Direct payment
Divina Seguros' Portuguese motor insurance product page does not contain an explicit dedicated clause labeled 'direct payment' vs 'reimbursement.' It states that, as a general rule, in the event of an accident the policyholder may choose the workshop where they want the vehicle repaired, but Divina Seguros also offers a network of recommended workshops in Portugal that guarantee high quality repair standards, which the insurer promotes for a 'quick and reliable repair.' This indicates that when a recommended/network garage is used, the insurer's repair management (implying settlement with the garage) is facilitated directly through that network, while for damage settled via the accident indemnity protocols between insurers (Protocolo Indemnização Direta ao Segurado, IDS) for qualifying two-vehicle accidents in Portugal, compensation is handled through that direct insurer-to-insurer settlement mechanism rather than through the policyholder. The publicly available material does not state that the policyholder must pay the garage upfront and seek reimbursement; it only describes free choice of workshop and a recommended-network alternative for repairs.
Territorial scope
Not specified in the available sources.
Policy specifics
Collision and Own Damage Coverage
Coverage for damage to the vehicle caused by collision or other defined perils
SourceSection: Adaptado às suas necessidades
Choque, Colisão ou Capotamento
Collision with Animals Coverage
Optional coverage for vehicle damage caused by collision with animals on the road
SourceSection: Circule sem preocupações
Opção de contratar a cobertura de colisão com animais.
Special Coverage for Electric Vehicles
Exclusive coverages designed specifically for electric vehicle protection
SourceSection: PROTEÇÃO INTEGRAL
Melhor indemnização em caso de perda total e coberturas exclusivas para veículos eléctricos.
Replacement Value on Total Loss
Full replacement value compensation in case of total vehicle loss during first years
SourceSection: PROTEÇÃO INTEGRAL
Melhor indemnização em caso de perda total e coberturas exclusivas para veículos eléctricos.
Recommended Repair Workshop Network
Extensive network of recommended workshops for fast and reliable vehicle repair
SourceSection: CONFIANÇA
Ampla rede de oficinas recomendadas à sua disposição para uma reparação rápida e de confiança.
Agile Claims Processing
Efficient and quick contingency management for any vehicle-related issue
SourceSection: SERVIÇO
Gestão ágil perante qualquer contigência com o seu veículo.
Mandatory Third-Party Liability
Mandatory third-party liability coverage as required by Portuguese law, covering damages to third parties
SourceSection: Adaptado às suas necessidades
Responsabilidade Civil Automóvel