
logo.pt Casco (own-damage car insurance) (Auto Topping Max)
Underwritten by Generali Seguros, S.A. · Portugal
casco (own-damage car insurance) from logo.pt for the Portugal market, with online purchase.
Verified Aug 27, 2026 · Terms dated 2024-05Sources
Unique selling points
The 'Auto na Hora' guarantee pays €60 if roadside tow response exceeds 60 minutes and €120 if it exceeds 120 minutes.
The 'Take me Home' service sends a professional driver to bring the insured and vehicle home (up to 50km) when the driver cannot drive, up to 3 times a year.
Veterinary treatment and return-transport costs for dogs and cats carried in the insured vehicle are covered under the occupant protection and assistance benefits.
A €50-per-day compensation is paid if the coordinated vehicle transport delivery is delayed beyond the contracted deadline.
The policy can be fully quoted, purchased and managed online via logo.pt and the myLOGO app, including claims and roadside-assistance requests.
Coverage limits
Own damage from collision, impact and rollover
Excluded
Choque, Colisão e Capotamento (collision, impact and rollover) cover is marked as not included (✗) in the LOGO Max Auto Topping coverage table, in both the standard and ROR (Rede de Oficinas Recomendadas) network variants, and is not offered as an optional add-on.
Section: Coberturas LOGO Max
Choque Colisão e Capotamento Incêndio Raio e Explosão Opcional
Total loss indemnity
Conditional
Total loss is indemnified only when caused by a peril actually contracted (theft/robbery is included as standard; fire and natural perils are optional add-ons; collision is not covered). Valuation follows the Condições Gerais (G100) rules on 'valor em novo' minus the applicable depreciation table. The extra 'Complemento de Indemnização por Perda Total' benefit that existed in the earlier Topping tier is marked as not included (✗) in the current LOGO Max coverage table.
Section: Cláusula 43.ª - Regras de Desvalorização
Após a determinação do valor seguro nos termos da cláusula anterior, e salvo se outro regime de desvalorização for acordado e expresso nas Condições Particulares, o valor do veículo seguro para efeitos de determinação do montante a indemnizar em caso de perda total, será, nos meses e anuidades seguintes aos da celebração do contrato, automática e sucessivamente alterado de acordo com a tabela de desvalorização aplicável.
Partial loss from collision/impact
Excluded
As Choque, Colisão e Capotamento is not covered under LOGO Max, partial (repairable) own-damage loss arising from collision or impact is also not covered; only glass breakage and, if contracted, fire/natural-perils partial damage are indemnifiable.
Theft or robbery
Covered
Furto ou Roubo is marked as included (✓) in LOGO Max, covering disappearance, destruction or deterioration of the vehicle by theft, robbery or unauthorised use (attempted or consummated); the insured capital is defined in the Condições Particulares. Under the ROR variant, resulting repairs must be carried out exclusively at LOGO's Rede de Oficinas Recomendadas.
Section: FURTO OU ROUBO REDE DE OFICINAS RECOMENDADAS > Cláusula 2.ª – Âmbito da cobertura
As reparações do veículo seguro que se enquadrem no âmbito da presente Condição Especial, serão efetuadas exclusivamente numa oficina integrante da Rede de Oficinas Recomendadas do Segurador.
Isolated glass breakage
Covered
Quebra de Vidros – Prestador Indicado is included as standard, covering the windscreen, sunroof, panoramic roof, rear and side windows; the insurer indicates the repairer and the indemnity is capped at €150 if the policyholder arranges repair without prior consultation. Quebra de Vidros Plus is offered as an optional upgrade. The insured capital is stated in the Condições Particulares.
Section: QUEBRA DE VIDROS - PRESTADOR INDICADO > Cláusula 2.ª
Sempre que o Tomador do Seguro ou o Segurado, por sua iniciativa, proceda à reparação dos danos nos vidros sem prévia consulta ao Segurador, a responsabilidade deste no âmbito da presente Condição Especial ficará limitada ao valor máximo de 150 €.
Natural perils (Fenómenos da Natureza)
Optional
Fenómenos da Natureza is marked 'Opcional' in the LOGO Max table; when contracted it covers windstorm/fallen trees, cyclones, floods, hail, earthquakes and similar events. Under the ROR variant, resulting repairs must be carried out exclusively at the Rede de Oficinas Recomendadas.
Section: FENÓMENOS DA NATUREZA REDE DE OFICINAS RECOMENDADAS > Cláusula 1.ª – Âmbito da cobertura
As reparações do veículo seguro que se enquadrem no âmbito da presente Condição Especial, serão efetuadas exclusivamente numa oficina integrante da Rede de Oficinas Recomendadas do Segurador.
Vandalism
Excluded
Atos de Vandalismo is marked as not included (✗) in the LOGO Max Auto Topping coverage table, in both the standard and ROR variants, and is not offered as an optional extra.
Section: Coberturas LOGO Max
Atos de Vandalismo Fenómenos da Natureza Opcional
Roadside/travel assistance (Multi Assistência)
€250 – €500
Towing/desempanagem is generally unlimited within Portugal subject to distance-based response-time bands, but the specific indemnity payable when the assistance service cannot be contacted or the vehicle is immobilised abroad is tiered: €250 under Multi Assistência Base and €500 under Multi Assistência VIP and VIP Plus. The 'Auto na Hora' guarantee additionally pays €60 if tow response exceeds 60 minutes and €120 if it exceeds 120 minutes (Portugal only).
Section: CONDIÇÕES PARTICULARES MULTI ASSISTÊNCIA (continuação) > Desempanagem no local ou reboque do veículo
Limite máximo de indemnização em caso de impossibilidade de contactar os serviços de assistência ou de imobilização do veículo no estrangeiro
Replacement vehicle
5 days – 30 days
Days of cover vary by cause and tier: for breakdown (avaria), all tiers grant up to 3 occurrences / 5 days of a vehicle of equivalent category; for immobilisation from vandalism, natural perils or fire (when contracted), Base grants 2 occurrences / 30 days, while VIP and VIP Plus grant 2 occurrences / 30 days with a maximum of 5 days between immobilisation and the start of repair; theft/robbery replacement (2 occurrences / 30 days) and total-loss replacement (15 days) are only available under VIP and VIP Plus, not Base. Valid exclusively in Portugal.
Section: CONDIÇÕES PARTICULARES MULTI ASSISTÊNCIA (continuação) > Viatura de substituição por Atos de vandalismo, Fenómenos da natureza e Incêndio, raio e explosão
Viatura de substituição por Atos de vandalismo, Fenómenos da natureza e Incêndio, raio e explosão Limite máximo de intervenções por anuidade Período máximo de dias por ano 2 ocorrências 30 dias
Occupant and driver protection (death/permanent disability/treatment)
Covered
Proteção de Ocupantes e Condutor is included (✓) in LOGO Max, covering death or permanent disability and treatment/repatriation/funeral expenses for the driver and occupants following a traffic accident, under Modalidade I (policyholder/driver/family) or Modalidade II (all occupants) as stated in the Condições Particulares, where the insured capital is also defined. Death/disability risks are only covered if verified within 2 years of the accident.
Section: PROTEÇÃO DOS OCUPANTES E CONDUTOR > Cláusula 2.ª – Âmbito da cobertura
Os riscos de Morte ou Invalidez permanente só estarão cobertos se verificados dentro do prazo de dois anos após o acidente de viação que lhes tiver dado causa.
Key conditions
Driver age and experience limit
The source documents do not specify a minimum driver age or experience requirement; however, cover may be reduced or refused if the vehicle is driven by a person not identified in the policy where this implies a higher risk tariff, or by a driver without a valid or unsuspended licence.
Repair network requirements
Two network options exist: under the ROR (Rede de Oficinas Recomendadas) special condition, repairs under the Choque/Incêndio/Furto covers must be carried out exclusively at LOGO's recommended repair network; under the standard (non-ROR) condition, windscreen repairs must go through the insurer-indicated glass specialist, with reimbursement capped at €150 if the customer arranges repair without prior consultation.
Anti-theft requirements
No specific anti-theft device is mandated by the source documents; theft or robbery claims must be reported to the police, and the insurer is not liable towards persons who cohabit with or are economically dependent on the policyholder if they committed or were complicit in the theft.
Claim notification deadline
General accidents must be reported to the insurer in writing within a maximum of 8 days from occurrence or knowledge thereof; theft/robbery must be reported to the police immediately, and several assistance-related reimbursements (e.g. stolen luggage/valuables) require notification within 24 hours to be payable.
Deductible rules
Deductibles (franquias) applicable to each contracted cover are set out in the Condições Particulares of the policy and are always deducted from the indemnity payment, even when the insurer settles directly with the repairer.
Direct payment
The insurer may choose to repair the vehicle, replace it, or pay a cash indemnity; under the ROR network option, repairs are typically settled directly with the recommended repair shop, with any deductible always charged to the policyholder even when payment is made directly to the repairer.
Territorial scope
Assistance to persons is valid worldwide from the insured person's residence; assistance to the vehicle and occupants is valid in Portugal, the rest of Europe and Morocco, Tunisia, Israel and Turkey; the replacement-vehicle benefit is valid exclusively in Portugal.
Documents
General policy conditions (Condições Gerais da Apólice) – G100/041-202101 (opens in a new tab)
Terms & conditions · PDF
Auto Topping special conditions (standard network) – G114/041, May 2024 (opens in a new tab)
Terms & conditions · PDF
Auto Topping special conditions – Recommended Repair Network (ROR) – G115/041, May 2024 (opens in a new tab)
Terms & conditions · PDF
Auto Topping special conditions (earlier edition, superseded) – G102/041 (opens in a new tab)
Terms & conditions · PDF
Policy specifics
Personal injury coverage for occupants
Coverage includes bodily injury protection for driver and all vehicle occupants in case of accident
SourcePage 2Section: Condições especiais > Coberturas
Proteção de Ocupantes e Condutor
Death and permanent disability benefits
Topping includes indemnification for death or permanent disability resulting from traffic accidents
SourceClause Cláusula 2.ªPage 27Section: Proteção de ocupantes e condutor > Cláusula 2.ª - Âmbito da Cobertura
Em caso de acidente de viação com o veículo seguro, a presente Condição Especial garante a indemnização definida nas Condições Particulares, quando resulte para as Pessoas Seguras: a. Morte ou Invalidez Permanente;
Pet treatment and transportation expenses
Topping variant includes coverage for veterinary expenses and return transportation for dogs and cats transported in the vehicle
SourceSection: Modalidades do Seguro Automóvel da LOGO
A opção Topping acrescenta coberturas de danos corporais para condutor e ocupantes, bem como proteção em caso de morte ou invalidez permanente e despesas de tratamento de cães e gatos.
Travel assistance services abroad
Comprehensive assistance services including medical expenses, repatriation, accommodation, and family reunion coverage when traveling outside Portugal
SourceClause Cláusula 2.ªPage 4Section: Assistência em viagem - Normal e E-Base > Cláusula 2.ª - Garantias de Assistência às Pessoas
Em caso de acidente ou doença súbita e imprevisível, ocorridos durante o período de validade da apólice, por sinistro e até aos limites fixados nas Condições Particulares, o Serviço de Assistência prestará as seguintes garantias:
Fire, lightning and explosion cover
Incêndio, Raio e Explosão has no dedicated field in this schema; it is marked 'Opcional' in the LOGO Max table, covering fire, lightning-strike and explosion damage to the vehicle whether moving, parked or garaged, when expressly contracted. Under the ROR variant, repairs must be made exclusively at the recommended repair network.
SourceClause Cláusula 2.ªPage 88Section: INCÊNDIO, RAIO OU EXPLOSÃO REDE DE OFICINAS RECOMENDADAS > Cláusula 2.ª – Âmbito da cobertura
As reparações do veículo seguro que se enquadrem no âmbito da presente Condição Especial, serão efetuadas exclusivamente numa oficina integrante da Rede de Oficinas Recomendadas do Segurador.
Vehicle eligibility requirements
Covered vehicles must be light passenger or mixed vehicles with Portuguese registration, gross weight under 3,500kg, and maximum 9 occupant seats
SourceClause Cláusula 1.ªPage 4Section: Assistência em viagem - Normal e E-Base > Cláusula 1.ª - Definições
Peso bruto inferior a 3.500kg (incluindo o atrelado) ou cujo número de lugares sentados, incluindo o do condutor, não seja superior a nove.
Policyholder residence requirement
Guarantees terminate automatically if policyholder ceases to have habitual and fiscal residence in Portugal or begins regular work abroad
SourceClause Cláusula 8.ªPage 16Section: Assistência em viagem - Normal e E-Base > Cláusula 8.ª - Duração
O Tomador do Seguro ou a Pessoa Segura, quando diferente do Tomador, deixarem de ter residência habitual e fiscal fixada em Portugal; b. Se inicie o trabalho regular da Pessoa Segura no estrangeiro;
Assistance Service network requirement
Most assistance guarantees require that the Assistance Service be contacted at the time of the incident; failure to do so may result in exclusion of benefits
SourceClause Cláusula 4.ªPage 13Section: Assistência em viagem - Normal e E-Base > Cláusula 4.ª - Exclusões
Acontecimentos em que o Serviço de Assistência não tenha sido chamado a intervir, na altura em que ocorreram, salvo em casos de força maior ou impossibilidade material demonstrada;
Replacement vehicle rental conditions
During accident/breakdown repairs, replacement vehicle provided depends on vehicle type: similar class for passenger vehicles or Class C for mixed vehicles
SourceClause Cláusula 2.ªPage 32Section: Veículo de substituição > Cláusula 2.ª - Âmbito da Cobertura
Se se tratar de um veículo ligeiro de passageiros, poderá ser contratualizada uma viatura de substituição que seja ou (i) semelhante à classe do veículo seguro... b. Se se tratar de um veículo ligeiro misto, a viatura de substituição contratualizada será sempre um veículo de “classe C”
Recommended Repair Network (ROR) for repairs
Topping includes access to LOGO's Recommended Repair Network with conditions on repair coverage and time limits
SourcePage 1Seguro Auto Topping Rede de Oficinas Recomendadas (ROR) Condições especiais
Sources
- segurosmais.pthttps://segurosmais.pt/seguros/seguro-automovel-da-logo(opens in a new tab)
- logo.pthttps://www.logo.pt/-/media/project/logo-tenant/logo/documentos/auto/apolice-de-seguro-automovel.pdf#page=17(opens in a new tab)
- logo.pthttps://www.logo.pt/-/media/project/logo-tenant/logo/documentos/auto/g102-041-condicoes-especiais-auto-topping.pdf#page=13(opens in a new tab)
- logo.pthttps://www.logo.pt/-/media/project/logo-tenant/logo/documentos/auto/g102-041-condicoes-especiais-auto-topping.pdf#page=16(opens in a new tab)
- logo.pthttps://www.logo.pt/-/media/project/logo-tenant/logo/documentos/auto/g102-041-condicoes-especiais-auto-topping.pdf#page=2(opens in a new tab)
- logo.pthttps://www.logo.pt/-/media/project/logo-tenant/logo/documentos/auto/g102-041-condicoes-especiais-auto-topping.pdf#page=27(opens in a new tab)
- logo.pthttps://www.logo.pt/-/media/project/logo-tenant/logo/documentos/auto/g102-041-condicoes-especiais-auto-topping.pdf#page=32(opens in a new tab)
- logo.pthttps://www.logo.pt/-/media/project/logo-tenant/logo/documentos/auto/g102-041-condicoes-especiais-auto-topping.pdf#page=4(opens in a new tab)
- logo.pthttps://www.logo.pt/-/media/project/logo-tenant/logo/documentos/auto/g115-041-condicao_especial_topping_ror_202405.pdf?extEntId=fb#page=1(opens in a new tab)
- logo.pthttps://www.logo.pt/-/media/project/logo-tenant/logo/documentos/auto/g115-041-condicao_especial_topping_ror_202405.pdf?extEntId=fb#page=88(opens in a new tab)
- logo.pthttps://www.logo.pt/-/media/project/logo-tenant/logo/documentos/auto/g115-041-condicao_especial_topping_ror_202405.pdf?extEntId=fb#page=89(opens in a new tab)
- logo.pthttps://www.logo.pt/-/media/project/logo-tenant/logo/documentos/auto/g115-041-condicao_especial_topping_ror_202405.pdf?extEntId=fb#page=90(opens in a new tab)
- logo.pthttps://www.logo.pt/-/media/project/logov2/logo-v2/documents/documentacao-seguro-auto/condicoes-especiais-topping-seguro-auto-logo-20-05-2024.pdf?rev=3c9b2884fcc54858989ff3b8a9518e74#page=2(opens in a new tab)
- logo.pthttps://www.logo.pt/-/media/project/logov2/logo-v2/documents/documentacao-seguro-auto/condicoes-especiais-topping-seguro-auto-logo-20-05-2024.pdf?rev=3c9b2884fcc54858989ff3b8a9518e74#page=73(opens in a new tab)
- logo.pthttps://www.logo.pt/-/media/project/logov2/logo-v2/documents/documentacao-seguro-auto/condicoes-especiais-topping-seguro-auto-logo-20-05-2024.pdf?rev=3c9b2884fcc54858989ff3b8a9518e74#page=75(opens in a new tab)
- logo.pthttps://www.logo.pt/-/media/project/logov2/logo-v2/documents/documentacao-seguro-auto/condicoes-especiais-topping-seguro-auto-logo-20-05-2024.pdf?rev=3c9b2884fcc54858989ff3b8a9518e74#page=85(opens in a new tab)
- logo.pthttps://www.logo.pt/-/media/project/logov2/logo-v2/documents/documentacao-seguro-auto/condicoes-especiais-topping-seguro-auto-logo-20-05-2024.pdf?rev=3c9b2884fcc54858989ff3b8a9518e74#page=89(opens in a new tab)
- logo.pthttps://www.logo.pt/seguros/automovel(opens in a new tab)
logo.pt Casco (own-damage car insurance)