Fidelidade
Fidelidade is a motor casco insurance for the PT market with online purchase and 24/7 assistance.
Direct payment
Repairs are carried out exclusively at the Autoestima approved workshop network selected by Fidelidade. In case of total loss, Fidelidade promotes the search for a replacement vehicle at the policyholder's request. The insurer may opt to pay the indemnity in cash. The contractual deductible is always deducted by the insurer at the time of payment of the indemnity, including when paid directly to the repairer.
Geographic scope
PT
UE + Andorra, Gibraltar, Islândia, Noruega, Reino Unido, Suíça e Sérvia (G3) para coberturas de danos ao veículo ligeiro de passageiros; Portugal (G1) para restantes categorias. Âmbito idêntico ao das Garantias de Danos ao Veículo para Veículo de Substituição no plano Autoestima.
Unique selling points
- The first own-damage insurance specifically designed for used cars aged 4 to 20 years, offering comprehensive casco coverage at an accessible price compared to standard full-coverage policies.
- Insured capital set at 70% of the vehicle's current market value — automatically updated each year using official market quotation tables — so the premium matches the car's real worth.
- Exclusive Autoestima workshop network certified by Centro Zaragoza with national coverage, offering 2-year repair guarantee, courtesy vehicle, and vehicle cleaning and fluid checks included at no extra cost following an accident.
- Total loss assistance service that proactively helps the policyholder find a similar replacement vehicle when the insured car is declared a total loss, with no deductible and no salvage deduction when the salvage value is ≤ 30% of the vehicle's market value.
- Proteção Vital do Condutor included as standard at 500,000 EUR — covering a broad set of damages including biological harm, lifetime care costs and workplace adaptation — at a level typically only found in higher-tier motor policies.
Coverage limits
Own damage (collision, fire, theft, natural perils, social risks)
Covered
Covers damage to the insured vehicle caused by collision, fire, lightning or explosion, theft or robbery, natural phenomena, and social and political risks. The insured capital corresponds to 70% of the vehicle's market value (venal value), determined using market quotation tables. If no current market quotation is available for the vehicle's registration year and month, the capital is determined using the agreed depreciation tables applied to the last available value. Repairs must be carried out at the Autoestima workshop network selected by Fidelidade and may use second-hand or independent aftermarket (IAM) parts where these guarantee correct vehicle operation.
SourceTotal loss
Covered
When the Capital Seguro Proporcional special condition is contracted (mandatory for the Autoestima plan), total loss occurs when: (a) the vehicle disappears or is completely destroyed; (b) repair is materially impossible or technically inadvisable due to serious safety compromise; or (c) the repair cost exceeds the insured capital. In case of total loss: no deduction of the contractual deductible nor the salvage value when that value is less than or equal to 30% of the vehicle's venal value. The insurer promotes the search for a similar replacement vehicle at the policyholder's request, with all acquisition costs borne by the policyholder. The indemnity amount is deducted from the insured capital, which is not reinstated until annual renewal.
SourcePartial loss (own damage repair)
Covered
In case of partial loss, the insured vehicle is repaired at the Autoestima workshop network indicated by the insurer. Repairs may use second-hand or IAM parts. The indemnity amount is deducted from the insured capital of the triggered damage guarantee, with the capital being reduced accordingly until the annual contract renewal (no capital reinstatement). The contractual deductible (250 EUR for collision/capsize and social/political risks) is deducted from the indemnity.
SourceTheft or robbery
Covered
Covers damage to the insured vehicle resulting from its disappearance, destruction or deterioration as a consequence of robbery, theft or unauthorized use, in its attempted, frustrated or consummated form. The insured capital corresponds to 70% of the vehicle's venal value. The policyholder must immediately report the occurrence to the competent authorities. The right to indemnification in case of disappearance arises after 60 days from the date of reporting to the competent authority, if the vehicle has not been recovered.
SourceIsolated glass breakage
Covered
Covers damage to the insured vehicle due to isolated breakage or rupture of the windscreen, rear window, sunroof or panoramic roof, and side windows (or synthetic material equivalent), caused by an event that does not cause other damage to the vehicle. The insured capital is 1,000 EUR. The insurer reserves the right to indicate the repairer. Territorial scope follows the compulsory civil liability insurance scope (G3). Excluded: damage to headlights, taillights, rear-view mirrors and turn signal indicators; scratches, cracks or scuffs; damage resulting from defective installation or during assembly/disassembly; damage caused intentionally with objects.
SourceNatural phenomena
Covered
Covers damage to the insured vehicle caused by storms (including winds exceeding 80 km/h), floods, seismic phenomena or ground movements, as well as falling trees, tiles, chimneys, walls or urban structures caused by those phenomena. Insured capital is 70% of the vehicle's venal value. Excluded: damage caused by sea action not resulting from covered risks; damage by continuous water surfaces; damage from pollution, acid rain, radiation or radioactivity; damage from bad road conditions; damage to rims, inner tubes and tyres not accompanied by other covered vehicle damage; damage from driving in water-covered spaces.
SourceSocial and political risks (vandalism)
Covered
Covers damage to the insured vehicle resulting from acts of vandalism, terrorism and sabotage; strikes, labour unrest, riots and public order disturbances; and acts carried out by any legally constituted authority taken in connection with these events to safeguard persons and property. Insured capital is 70% of the vehicle's venal value. A deductible of 250 EUR applies. Excluded: damage resulting from theft, robbery or any other form of unlawful appropriation of the insured vehicle directly or indirectly related to covered risks. This coverage corresponds to the 'Atos de Vandalismo' (Risks Sociais e Políticos) coverage included in the Autoestima plan per the comparative table.
SourceTravel assistance (PLUS modality)
Covered
Included as standard in the Autoestima plan in the PLUS modality. Covers: breakdown and/or towing of the insured vehicle (up to 500 EUR per event, max 3 occurrences per year); vehicle removal or extraction (up to 200 EUR); vehicle transport or repatriation (unlimited); tyre puncture replacement (250 EUR); sending spare parts (unlimited); professional driver dispatch (unlimited, light private cars only); stolen vehicle tracking (unlimited); towing in case of theft (100 EUR); fuel/energy shortage or incorrect refuelling (unlimited); lost or locked keys (unlimited); replacement vehicle in case of accident or breakdown (up to 5 days per year, max 3 occurrences, unlimited for light private cars); 24-hour telephone assistance at the time of the claim (unlimited). Territorial scope: Europe and Mediterranean non-European countries.
SourceReplacement vehicle (Nível 1 – accident only)
Optional
Optional coverage providing a light replacement vehicle (base or equivalent range) in case of forced deprivation of use of the insured vehicle as a consequence of activating the civil liability guarantee or a contracted vehicle damage coverage. Also provided in case of accident that triggers only this coverage, after presentation of proof of accident or a company survey confirming its occurrence. In the Autoestima plan, only Level 1 (accident only) is available; Level 2 (accident and breakdown) is not available. The territorial scope of this coverage is the same as that of the vehicle damage guarantees. The insurer defines the provider, brand, type and model of vehicle. Vehicle categories available for Autoestima are: Economic, Executive, Family, and Small Commercial (as per the Condições Especiais Veículo de Substituição and the Autoestima product page).
SourceDriver vital protection (Proteção Vital do Condutor)
Covered
Included as standard in the Autoestima plan at a capital of 500,000 EUR. Covers compensation for bodily injury damages or death suffered by the insured person as a result of a road accident in which they are involved as driver of the insured vehicle. Covers: future patrimonial damage in case of death; capital for death; funeral expenses; future patrimonial damage in case of absolute permanent incapacity; permanent impairment of physical and psychological integrity (biological damage); hospital, medical and pharmaceutical expenses; temporary third-party domestic support; lifetime care future patrimonial damage; absolute temporary incapacity; adaptation of vehicle, habitual residence and/or workplace; absolute permanent incapacity of young person. Not cumulative with indemnities owed by whoever has assumed or must assume the duty to repair the damages from the accident. The Proteção ao Condutor (death/permanent invalidity/treatment expenses) may be contracted as a mutually exclusive alternative to this coverage.
SourceKey conditions
driver_age_experience_limit
No specific driver age or experience minimum is stated for the Autoestima plan in the verified sources. The policy does, however, exclude damage caused when the driver does not hold a valid driving licence corresponding to the category of the insured vehicle, or is temporarily or permanently disqualified or deprived of the right to drive.
repair_network_requirements
All repairs for own damage claims must be carried out exclusively at the Autoestima network of workshops selected by Fidelidade. The insurer reserves the right to indicate the workshop for the survey and repair. Repairs may use second-hand or IAM (Independent Aftermarket Manufactured) parts where these guarantee correct vehicle operation. Repairs include the legal warranty. Autoestima workshops are part of the Fidelidade conventional workshop network, have national representation on the mainland and islands, and are exclusively composed of workshops certified by Centro Zaragoza.
territorial_scope
Vehicle damage guarantees for light passenger vehicles, SUVs, minivans, light mixed vehicles, motorhomes, pick-ups and quadricycles: G3 (EU + Andorra, Gibraltar, Iceland, Norway, United Kingdom, Switzerland and Serbia). Replacement vehicle: same territorial scope as the vehicle damage guarantees for the Autoestima plan. Other categories (e.g. agricultural quadricycles): G1 (Portugal only). Compulsory civil liability: G3 and additional countries under the Green Card system.
anti_theft_requirements
No specific anti-theft device requirements are stated in the verified policy documents for the Autoestima plan. However, to activate the theft or robbery guarantee, the policyholder must immediately report the occurrence to the competent authorities and take all available steps to locate the vehicle and its perpetrators. The right to indemnification in case of vehicle disappearance only arises after 60 days from the date of police report, if the vehicle has not been recovered. Exclusion applies if the vehicle was abandoned open and/or with the key inside in a public space.
claim_notification_deadline
The policyholder or insured must notify the insurer in writing as soon as possible and no later than 8 days from the date of the occurrence or the date on which they became aware of it, providing all relevant documentary and witness evidence for the correct determination of responsibilities. In case of theft or robbery, the occurrence must be reported immediately to the competent authorities.
deductible_rules
A fixed deductible of 250 EUR applies to the Choque, Colisão ou Capotamento (collision/capsize) and Riscos Sociais e Políticos (vandalism/social risks) coverages. No deductible applies to other coverages (theft, fire, natural perils, isolated glass breakage) unless specifically agreed. In case of total loss where the salvage value is less than or equal to 30% of the vehicle's venal value, no deductible and no salvage value deduction apply. The deductible is always deducted from the indemnity by the insurer at the time of payment, including when paid directly to the repairer or any other entity.
Where to buy
Documents
IPC + DIPS – Seguro Automóvel Liber 3G Particulares (Planos) – inclui Autoestima (maio 2022)
ipid
Tabela de Coberturas/Capitais/Franquias – Seguro Automóvel Autoestima
benefits_table
Condições Gerais 58 e Condições Especiais – Seguro Automóvel Liber 3G (março 2024, AU052)
terms_and_conditions
Policy specifics
Exclusive repair network
Repairs must be performed at Autoestima approved workshop network selected by Fidelidade
Proportional capital insured
Insurance capital set at 70% of vehicle market value for Autoestima plan only
Total loss assistance service
Service provided to assist in finding a similar replacement vehicle in case of total loss
Vehicle age eligibility
Product is exclusively designed for vehicles between 4 and 20 years of age
Mandatory repair network usage
All repairs for own damage claims must be carried out at Autoestima network workshops; repairs are guaranteed by law
Stationary vehicle protection
Insurance coverage remains effective when vehicle is parked against theft, robbery, natural phenomena, vandalism, and isolated glass breakage