Generali Seguros, S.A. (LOGO brand)

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.

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.

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.

Personal injury coverage for occupants

Coverage includes bodily injury protection for driver and all vehicle occupants in case of accident

Death and permanent disability benefits

Topping includes indemnification for death or permanent disability resulting from traffic accidents

Pet treatment and transportation expenses

Topping variant includes coverage for veterinary expenses and return transportation for dogs and cats transported in the vehicle

Travel assistance services abroad

Comprehensive assistance services including medical expenses, repatriation, accommodation, and family reunion coverage when traveling outside Portugal

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.

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

Policyholder residence requirement

Guarantees terminate automatically if policyholder ceases to have habitual and fiscal residence in Portugal or begins regular work abroad

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

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

Recommended Repair Network (ROR) for repairs

Topping includes access to LOGO's Recommended Repair Network with conditions on repair coverage and time limits