Fidelidade - Companhia de Seguros, S.A.

Driver age and experience limit

The Autoestima own-damage covers do not impose a general driver age or experience eligibility requirement. Age-related limitations found elsewhere in the policy (e.g. death indemnity limited to funeral costs for persons over 75) apply only to the optional Proteção ao Condutor/Proteção Vital do Condutor and Dívida Segura riders, not to the own-damage covers themselves.

Repair network requirements

Repairs must be carried out at a workshop selected by Fidelidade within the Autoestima network; the insurer may use used parts or parts produced by independent aftermarket manufacturers (IAM), provided correct vehicle function is guaranteed. The policyholder does not have free choice of repairer.

Territorial scope

Own-damage covers for passenger cars apply within the EU plus Andorra, Gibraltar, Iceland, Norway, the United Kingdom, Switzerland and Serbia (territorial scope 'G3'); Assistance in Viagem PLUS extends worldwide for injured persons, subject to specific sub-limits.

Anti-theft requirements

The theft/robbery cover excludes disappearance, destruction or damage caused by temporarily abandoning the vehicle open and/or with the key inside in a public place. A police report must be filed immediately, and indemnity is only due once 60 days have elapsed since the report if the vehicle has not been recovered.

Claim notification deadline

The policyholder or insured must notify the insurer in writing within 8 days of the accident or of becoming aware of it, providing all documentary and/or testimonial evidence relevant to determining liability.

Deductible rules

A single 250 € deductible applies to Choque, Colisão ou Capotamento claims and to Riscos Sociais e Políticos/Atos de Vandalismo claims; the deductible is always subtracted by the insurer from the indemnity, even when payment is made directly to the repair workshop. No deductible or salvage deduction applies on total loss when the salvage value is 30% or less of the vehicle's market value.

Own Damage Protection

Coverage for damage to the insured vehicle up to 70% of its market value, excluding wear and tear and excluding other specific risks

Courtesy Vehicle

Provision of a replacement vehicle in case of accident or breakdown immobilizing the insured vehicle

Exclusive Repair Network

Repairs conducted exclusively through Autoestima network workshops selected by Fidelidade, with qualified professionals and legal warranty on repairs

Total Loss Assistance Service

In case of total loss, Autoestima provides support service to find a replacement vehicle similar to the insured vehicle

Static Cover Protection

Insurance protection remains unchanged when vehicle is stationary, covering theft, robbery, natural phenomena, vandalism, and isolated glass breakage

Vehicle Age Eligibility

Autoestima is exclusively for used vehicles aged between 4 and 20 years from first registration

Capital Insured Limit (70% of Market Value)

For Autoestima plan, insured capital is 70% of vehicle market value, determined by market quotation tables or conventional depreciation in special conditions

Mandatory Repair Network Condition

In case of accident, repairs must be conducted exclusively through Autoestima network workshops selected by Fidelidade. Policyholder cannot choose alternative workshops

Exclusion: Theft and Robbery (unless contracted separately)

Own-damage coverage does not guarantee damage caused by theft, robbery or theft for use (unless explicitly contracted as separate additional coverage)

Exclusion: Fire, Natural Phenomena, and Vandalism (unless contracted separately)

Damage from fire, natural phenomena (storms, floods, earthquakes), or vandalism acts are not covered under own-damage protection unless separately contracted