Grupo Ageas Portugal (Ageas Portugal – Companhia de Seguros, S.A. and Ageas Portugal – Companhia de Seguros de Vida, S.A.)
Ageas Seguros
Ageas Seguros is a motor casco insurance for the Portugal market with online purchase and 24/7 assistance.
Direct payment
Full payment is required online before policy activation, accepted via PayPal, debit card, credit card, or Multibanco.
Geographic scope
Portugal
Mandatory liability coverage applies within Portugal; travel assistance and optional Green Card extend coverage to the European Union and Mediterranean coast countries identified in the Green Card.
Unique selling points
- Flexible coverage duration from just 1 day up to 28 days, with the exact start and end date/time chosen by the customer.
- Fully online contracting completed in under 5 minutes, with the policy delivered instantly by email.
- 24/7 online purchasing platform, with policy activation as fast as 50 minutes after payment.
- Includes ARAG travel assistance with 24-hour accident support and legal assistance for traffic-related disputes and fines.
- Optional digital Green Card issuance at the point of sale to enable circulation across EU and Mediterranean coast countries.
Coverage limits
Own Damage
Excluded
This policy does not cover damage to the insured vehicle itself; it only provides mandatory third-party civil liability and travel assistance.
Total Loss
Excluded
Total loss of the insured vehicle is not covered, as the product only includes mandatory liability and travel assistance, not own-damage protection.
Partial Loss
Excluded
Partial damage repairs to the insured vehicle are not covered under this policy.
Theft/Robbery
Excluded
Theft or robbery of the insured vehicle is not covered, as the product excludes own-damage perils.
Glass Damage
Excluded
Isolated glass breakage on the insured vehicle is not covered under this policy.
Natural Perils
Excluded
Damage to the insured vehicle from natural phenomena is not covered under this policy.
Vandalism
Excluded
Damage to the insured vehicle from vandalism is not covered under this policy.
Roadside/Travel Assistance
Covered
Travel assistance is provided by ARAG and included in every policy, covering vehicle breakdown when it occurs at least 15km from the address stated in the policy, plus legal assistance (criminal defense, damages claims, traffic fine defense), across Europe and Mediterranean coast countries.
Replacement Vehicle
No limit stated
No source describes a replacement vehicle benefit for this product.
Driver Accident
Excluded
Injuries to the at-fault driver are not covered, since the policy does not include own-damage or driver-protection coverage.
Key conditions
Driver age and experience limit
The driver must be over 25 years old and hold a driving license for more than one year.
Territorial scope
Mandatory liability is valid in Portugal; with an optional Green Card, coverage extends to European Union countries and Mediterranean coast nations identified in the Green Card. Travel assistance from ARAG covers Europe and Mediterranean coast countries.
Claim notification deadline
The accident must be reported to the insurer within the legal deadline of 8 days after the accident, along with the Friendly Accident Report (DAAA) and supporting documentation.
Policy specifics
Mandatory Civil Liability
Covers bodily injury and material damage caused to third parties when the insured driver is responsible for an accident. Coverage limits up to 1,300,000€ for property damage and 6,450,000€ for bodily injury.
SourceTravel Assistance
Assistance services provided by ARAG including vehicle assistance when breakdown occurs at least 15km from home, legal assistance (defense in traffic cases, fines defense), and personnel assistance. Covers territories in Europe and Mediterranean coast countries.
SourceSource no longer reachableGreen Card (Carta Verde)
Optional coverage for international travel outside Portugal. Green card issuance must be requested at the moment of policy contracting to enable circulation in European Union countries and Mediterranean coast nations identified in the green card.
SourcePolicy Duration
Flexible temporary insurance duration from 1 to 28 days. Policyholder selects start and end dates which are specified in the policy documentation received by email.
SourceEligible Vehicles
Coverage available for: light passenger vehicles, motorcycles, and commercial vehicles up to 3,500kg gross weight
SourcePolicy Activation Time
Insurance becomes valid maximum 50 minutes from completion of policy contracting and after successful payment collection. Online 5-minute contracting process with instant policy receipt by email.
SourcePayment Methods
Payment accepted through PayPal, debit card, credit card, and Multibanco (Portuguese banking reference system)
SourceMediator for Information
Policyholders may contact an Ageas Insurance mediator for additional information or clarification on coverage details, though online contracting does not require mediator involvement.
Source