MAPFRE Santander Portugal - Companhia de Seguros, S.A.

Driver age and experience limit

For Choque, Colisão ou Capotamento, if the driver at the time of the claim is under 25 years old and/or has held a licence for less than 2 years, and the driver declared in the policy does not have those characteristics, the applicable deductible increases to 10% of the insured value (instead of the standard 0%/2%).

Repair network requirements

Deductibles on glass cover (50€) are waived only when repair or replacement is carried out at a specialist glass workshop within MAPFRE Santander's provider network; otherwise the standard deductible applies.

Territorial scope

Base territorial scope is mainland Portugal, Madeira and the Azores. Own-damage and vehicle guarantees automatically and free of charge extend to Green Card agreement countries not expressly excluded. Travel assistance to persons applies worldwide up to 60 consecutive days away from Portugal; vehicle/occupant assistance and legal defence abroad are limited to European and Mediterranean-rim countries.

Anti-theft requirements

No anti-theft device is required by default. Only if the optional 'Alarme' particular clause is expressly included in the Condições Particulares must the vehicle be fitted with, and the policyholder keep active, a sound alarm against theft/robbery/unauthorised use; failure to do so proportionally reduces the indemnity payable under that cover.

Claim notification deadline

Claims must be reported to MAPFRE Santander in writing within a maximum of 8 days from the date of the occurrence or from the date the policyholder/insured became aware of it.

Deductible rules

Choque/Colisão/Capotamento: 0% for vehicles up to 24 months old, otherwise 2% of insured value (min. 250€); increases to 10% for young/inexperienced undeclared drivers. Quebra de Vidros/Quebra Isolada de Vidros: 50€, waived at MAPFRE network glass specialists. Atos Maliciosos: min. 125€ for vehicles up to 24 months, otherwise 2% (min. 250€). Furto/Roubo, Incêndio/Raio/Explosão and Riscos Catastróficos: no deductible.

Collision deductible

Standard deductible of 10% of the insured value applies to collision, shock and rollover coverage

No deductible for fire, theft, and catastrophic risks

Certain coverages including fire, lightning, explosion, theft and catastrophic risks are provided with zero deductible

Travel assistance with modalities (Base, Plus, Premium)

Travel assistance coverage is available in three modalities with varying service levels and territorial scope, with specific services and payment limits defined in annexes to the General Conditions

Replacement vehicle coverage

Optional coverage providing rental of a replacement vehicle when the insured vehicle is immobilized due to covered claims, limited to maximum of 30 days per claim and annually

Civil liability coverage for bicycles and micro-mobility devices

Extension of civil liability coverage to include operation of bicycles, tricycles, quadricycles (without motor or with motor up to 0.25 kW), electric scooters, and monocycles on public roads in Portugal

Glass breakage and isolated glass breakage coverage

Optional coverage for vehicle glass damage; repairs or replacements at specialized glass repair shops in Mapfre network have no deductible

Legal protection coverage

Covers legal defense costs in criminal proceedings, complaints, and bail guarantees for traffic accidents involving the insured vehicle in Portugal with free choice of lawyer

New value coverage

Optional coverage providing indemnification at new value price for total loss claims (for vehicles up to 12 months old for light passenger vehicles)

Malicious acts coverage

Optional coverage for damage to the insured vehicle resulting from vandalism, malicious acts, strikes, riots, public disorder, and actions by constituted authorities during such events

Vehicle eligibility requirements

Coverage is available for light passenger vehicles, commercial vehicles, mixed vehicles, vans and pickups up to 3,500 kg and with commercial value up to 100,000€

Default territorial scope

Coverage applies to mainland Portugal and autonomous regions of Madeira and Azores with possibility of territorial extension

Insurer claims settlement method

For own damage coverage, damaged objects are indemnified directly by the insurer through repair or replacement at network workshops, not reimbursed to the policyholder

Mapfre repair network requirement

For certain coverages and to avoid deductibles (e.g., glass breakage), repairs must be performed at Mapfre network specialist workshops

Travel assistance 48-hour waiting period

For travel assistance services including transportation and repatriation, services are triggered after 48 hours of vehicle immobilization following a covered claim

Deductible surcharge for young/inexperienced undeclared drivers

If, at the time of a Choque/Colisão/Capotamento claim, the driver is under 25 years old and/or has held a licence for less than 2 years, and the driver declared in the policy does not have those characteristics, the deductible increases to 10% of the insured value.