Fidelidade Casco (own-damage car insurance) (Autoestima)

Covers damage to the insured vehicle from collision, impact or overturning. Under the mandatory Capital Seguro Proporcional condition applicable to Autoestima, the insured capital corresponds to 70% of the vehicle's market value (valor venal); a single 250 € deductible applies.

With the Capital Seguro Proporcional condition contracted (as in Autoestima), the vehicle is deemed a total loss when the repair cost exceeds the capital seguro (70% of market value) or the vehicle disappears/is destroyed. No deductible or salvage deduction is applied when the salvage value is 30% or less of the vehicle's market value; on request, Fidelidade will search for a replacement vehicle with similar characteristics.

Partial damage not amounting to total loss is repaired up to the capital seguro (70% of the vehicle's market value); repairs are carried out at an insurer-designated Autoestima workshop, which may use used or IAM parts, and the 250 € deductible is deducted from the indemnity.

Covers disappearance, destruction or deterioration of the vehicle following theft, robbery or unauthorised use (attempted, frustrated or completed), up to 70% of the vehicle's market value. Charging cables are covered when inside the vehicle or, during charging, outside it, provided they are factory-fitted or declared as Extras. Indemnity is only due 60 days after the police report if the vehicle is not recovered.

Covers isolated breakage of the windscreen, rear window, sunroof/panoramic roof or side windows not accompanied by other vehicle damage. The current Liber 3G general and special terms and conditions do not state a specific euro limit for this cover; the insured capital for this guarantee is set out in the Particular Conditions of each policy.

Covers damage caused by storms, floods, seismic phenomena or land movements, and by falling trees, roof tiles, chimneys, walls or urban structures caused by these events, up to 70% of the vehicle's market value. All damage from the same storm/flood event within 48 hours, or the same seismic event within 72 hours, counts as a single claim.

Covers damage from vandalism, terrorism, sabotage, strikes, riots, labour disputes and public-order disturbances, and from measures taken by lawfully constituted authorities in response to such events, up to 70% of the vehicle's market value; a 250 € deductible applies (listed as 'Riscos Sociais e Políticos' on the Autoestima benefits table).

Autoestima includes the PLUS level of Assistência em Viagem. Key sub-limits: towing/breakdown assistance 500 €, vehicle removal/extraction 200 € (max 3 occurrences/year); unlimited sanitary repatriation and vehicle transport/repatriation; medical, surgical and hospitalisation expenses abroad up to 10,000 €/person/trip and 40,000 €/trip; funds advance abroad up to 1,250 €/6,250 €; unlimited assistance for lost/stolen luggage; unlimited 24/7 telephone assistance.

The Autoestima-specific benefits table lists Veículo de Substituição Nível 1 as an optional cover ('(o)'), providing a base/equivalent-range replacement vehicle in case of accident. Note: the pre-contractual information document (IPC/DIPS) shows the same Nível 1 cover for Autoestima without an optional marker, which conflicts with the product-specific table; this record follows the narrower Autoestima table and flags the discrepancy.