Generali Seguros, S.A.
Generali Tranquilidade
Generali Tranquilidade is a motor casco insurance for the Portugal market with no online purchase and 24/7 assistance.
Direct payment
The Insurer may settle a claim by repairing the vehicle, replacing it, or paying a cash indemnity; any applicable deductible is always deducted at the time the indemnity is paid, including when payment is made directly to the repair shop.
Geographic scope
Portugal (mainland and autonomous regions)
Coverage applies within Portugal; territorial extension to other countries is possible depending on a technical opinion (parecer técnico) and must be indicated in the policy's Particular Conditions
Unique selling points
- Covers classic and collector vehicles over 25 years old, including theft, fire and accident damage, with a dedicated travel assistance service.
- Glass-breakage deductible is waived whenever the windscreen is repaired rather than replaced, highlighted as a standout benefit for new policies.
- Up to a 15% discount on the commercial premium when bundling additional policies with Generali Tranquilidade.
- Eligibility recognised via ACP Clássicos registration, the Clube Português de Automóveis Antigos authenticity certificate, or inclusion in the Motor Clássicos / Classic Cars Magazine lists.
Coverage limits
Own Damage (Danos Próprios)
100% of insured sum
Only in Valor, Valor Mais
Own-damage cover is only available under the 'Valor' and 'Valor Mais' tiers (Ligeiro de Passageiros) and the 'Valor Mais' tier (Motociclos). The insured amount is not a fixed capital but the vehicle's current value (Valor Atual do Veículo) plus valued extras, forming the Valor Total a Segurar (§8.1 of the proposal); this value is subsequently subject to an annual/monthly depreciation table (§8.2). Own-damage cover cannot be accepted for vehicles that already show damage, even minor, at inception.
Total Loss
100% of insured sum
Only in Valor Mais
Where the 'Valor Mais' tier's Choque, Colisão e Capotamento (CCC), Furto/Roubo, Incêndio or Fenómenos da Natureza covers are contracted, a total-loss payout applies when the vehicle disappears, repair is technically inadvisable, or estimated repair cost plus salvage value exceeds 100% (vehicles up to 2 years old) or 120% (vehicles over 2 years old) of the vehicle's market value, calculated per the applicable depreciation table.
Partial Loss / Repair Cover (Choque, Colisão e Capotamento)
100% of insured sum
Only in Valor Mais
Choque, colisão ou capotamento (CCC) is only available combined with glass breakage (QIV) under the 'Valor Mais' tier, with a selectable deductible of 0%, 2%, 4%, 8%, 12% or 20% of the insured value.
Theft or Robbery (Furto ou Roubo)
100% of insured sum
Only in Valor, Valor Mais
Theft/robbery own-damage cover is available under the 'Valor' tier (Ligeiro de Passageiros) and the 'Valor Mais' tier (Ligeiro de Passageiros and Motociclos); the insured capital equals the value shown in the Danos Próprios schedule.
Glass Breakage (Quebra Isolada de Vidros)
100% of insured sum
Only in Valor Mais
Sold bundled with Choque, Colisão e Capotamento under the 'Valor Mais' tier only. Deductible is 0€ or 50€; the QIV deductible is not applied whenever the glass is repaired rather than replaced, and on new policies this deductible waiver is highlighted as a standard benefit.
Natural Perils (Fenómenos da Natureza)
100% of insured sum
Only in Valor Mais
Available only under the 'Valor Mais' tier for light passenger vehicles (not offered for Motociclos), with a fixed deductible of 2% of the insured value, covering events such as windstorm, flooding, earthquake and similar phenomena as defined in the General Conditions.
Acts of Vandalism (Atos de Vandalismo)
100% of insured sum
Only in Valor Mais
Bundled with Fenómenos da Natureza and available only under the 'Valor Mais' tier for light passenger vehicles (not offered for Motociclos), with a fixed deductible of 2% of the insured value.
Travel / Roadside Assistance (Assistência em Viagem)
€150 – €500
Standard 'Assistência em viagem' is included under the 'Essencial' tier; the enhanced 'Assistência em viagem VIP' is included under the 'Valor' and 'Valor Mais' tiers. For roadside towing/breakdown assistance specific to classic vehicles, the General Conditions' Assistance schedule sets a maximum indemnity of 150 € (Normal) / 500 € (VIP). An optional 'Assistência em viagem ACP Ouro' is also available, but only applicable to policies mediated through ACP.
Replacement Vehicle
No limit stated
No 'Viatura de substituição' row appears in the Automóvel Clássicos coverage/capital/deductible table; this benefit is not offered under the Classic Vehicle product tiers (it exists only in Generali's standard, non-classic Automóvel product).
Occupant and Driver Protection (Proteção dos Ocupantes e Condutor)
€10,000 – €25,000
Not available under the 'Light' tier. Under 'Essencial': 10.000 € death/permanent disability, 1.000 € treatment/repatriation or funeral for occupants, 1.500 € for the driver. Under 'Valor' and 'Valor Mais' (Ligeiro de Passageiros): 25.000 € death/permanent disability, 2.500 € for occupants, 3.750 € for the driver. Under 'Valor Mais' (Motociclos): 10.000 € death/permanent disability, 1.000 € for occupants, 1.500 € for the driver.
Key conditions
Driver age and experience limit
The policyholder must be over 25 years old with at least 5 years of driving licence experience, and must already hold another vehicle insured with the Company for habitual use.
Repair network requirements
No exclusive repair-network requirement is specified for Own Damage claims on this product; the Insurer may still opt to repair, replace, or pay a cash indemnity, and reserves the right to designate the repairing entity.
Territorial scope
Coverage applies within Portugal; territorial extension is only possible where expressly agreed and indicated, subject to a technical opinion (parecer técnico), in section 8.3 (Extensão Territorial) of the Particular Conditions.
Anti-theft requirements
The insured classic vehicle must habitually be stored in a closed garage as an eligibility condition for the policy, rather than a specific anti-theft device requirement.
Claim notification deadline
The Policyholder or Insured must notify the Insurer in writing of any covered loss as soon as possible and never later than 8 days from the date of the occurrence or from becoming aware of it.
Deductible rules
Choque, Colisão e Capotamento (with glass): selectable deductible of 0%, 2%, 4%, 8%, 12% or 20% of insured value, plus a glass (QIV) deductible of 0€ or 50€ (waived whenever the glass is repaired rather than replaced). Incêndio, raio e explosão: deductible options of 0%, 2%, 4%, 8%, 12% or 20%. Fenómenos da natureza e Atos de vandalismo: fixed 2% deductible. Furto ou roubo: no deductible option is displayed in the coverage table (treated as 0%/not applicable).
Policy specifics
Vehicle age and authenticity certificate requirement
Vehicles must be over 25 years old and have authenticity certificates from recognized Portuguese classic car associations or be on official classic car lists
SourcePolicyholder age and driving experience requirement
Policyholders must be over 25 years old with at least 5 years of driving experience and must have another vehicle insured with the company
SourceVehicle eligibility certification process
Insurer requires confirmation that vehicle meets classic vehicle criteria through recognized associations or official lists
SourcePremium discount for bundled policies
Discount up to 15% available when multiple insurance policies are bundled with Generali Tranquilidade
SourceGlass coverage deductible waiver for new policies
The deductible under QIV (Glass) coverage is not applied on new policies for glass repair
Source