Motor third-party liability — Portugal

[1] Bodily injury liability: €50,000,000 ↩

Allianz Auto extends the statutory minimum (currently €6,450,000 for bodily injury per accident) to a single combined per-accident third-party liability limit of €50,000,000, applicable across the RC Base, RC Mais, DP Base and DP Mais modules; the table does not split the €50,000,000 ceiling separately for bodily injury versus property damage.

[2] Property damage liability: €50,000,000 ↩

Allianz Auto extends the statutory minimum (currently €1,300,000 for property damage per accident) to the same single combined per-accident third-party liability limit of €50,000,000, applicable across the RC Base, RC Mais, DP Base and DP Mais modules.

[3] Legal defence: Covered ↩

Legal assistance and representation for the insured's defence in criminal proceedings or claims for damages following an accident; included as standard ('Sim') across all modules with no monetary cap stated in the coverage table.

[4] Green card: Covered ↩

The International Motor Insurance Certificate (Green Card) is issued automatically with the policy and can be downloaded as a digital document via the myAllianz app; coverages outside Portugal and Europe apply in the countries listed on this certificate.

[5] Passenger accident: €15,000 ↩

Occupants cover (which includes passengers travelling in the insured vehicle) pays €15,000 for death or permanent disability, plus €1,500 for treatment expenses and €1,500 for funeral expenses; uniform across the RC Base, RC Mais, DP Base and DP Mais modules.

[6] Bodily injury liability: €6,450,000 ↩

Mandatory third-party bodily injury cover up to €6,450,000 per claim, corresponding to at least the statutory minimum capital required by Portuguese law (Decree-Law 291/2007); the insurer's liability is always capped at the amount fixed in the Particular Conditions, never below this legal minimum.

Danos corporais - € 6.450.000,00;

[7] Property damage liability: €1,300,000 ↩

Mandatory third-party material damage cover up to €1,300,000 per claim, corresponding to at least the statutory minimum capital required by Portuguese law (Decree-Law 291/2007); the insurer's liability is always capped at the amount fixed in the Particular Conditions.

Danos Materiais - € 1.300.000,00;

[8] Legal defence: €7,000 – €8,000 ↩

Optional 'Proteção Jurídica' cover included within the Travel Assistance rider, valid in Europe plus Morocco, Tunisia, Israel and Turkey. The annual aggregate limit is €7,000 (Normal grade) or €8,000 (VIP grade), capped per claim at €3,500/€4,000 respectively; lawyer/solicitor fees for criminal defence, damages claims and defective-repair claims are sub-limited to €1,750 (Normal) or €2,000 (VIP) combined; the VIP grade additionally covers third-party insolvency claims up to €5,000 (Portugal) / €2,500 (abroad).

Limites máximos indemnizáveis: Por anuidade: 7.000€ Máximo por sinistro: 3.500€

[9] Green card: Covered ↩

The Green Card is issued automatically once payment is confirmed via the online simulator; where only a provisional certificate was auto-issued (premium paid in instalments shorter than 4 months), the policyholder can request the full Green Card, which the insurer issues within 5 business days at no extra cost. It documents cover for circulation in countries beyond the standard EEA-agreement territory under Clause 3 of the General Conditions.

Tratando-se de contrato cujo pagamento do prémio se efetue em frações inferiores ao quadrimestre e relativamente ao qual o segurador tenha optado pelo regime de emissão automática apenas de certificados provisórios, o tomador do seguro tem o direito de solicitar a emissão do certificado internacional de seguro, que será emitido em 5 dias úteis e sem encargos adicionais.

[10] Passenger accident: Optional ↩

The same optional 'Acidentes Pessoais Ocupantes de Viatura' rider extends cover to all persons carried free of charge in the insured vehicle (excluding hitchhikers), complementing the compulsory RC cover for third-party passengers, which already excludes certain relatives and passengers carried in breach of transport rules. Capitals for death/disability, medical expenses, repatriation and ITIH are fixed in the Particular Conditions.

Pessoas seguras: as pessoas cuja vida ou integridade física se segura, as quais, para efeito deste contrato, são todas as pessoas transportadas a título gratuito no veículo identificado nas Condições Particulares, incluindo o seu condutor;

[11] Bodily injury liability: €6,450,000 ↩

Compulsory third-party liability coverage for bodily injury up to €6,450,000 per accident, as required by Decree-Law 291/2007. An optional Facultative Civil Liability extension can raise cover up to €50,000,000, depending on the plan contracted.

Danos Corporais até 6.450.000 € por acidente;

[12] Property damage liability: €1,300,000 ↩

Compulsory third-party liability coverage for material damage up to €1,300,000 per accident, as required by Decree-Law 291/2007. An optional Facultative Civil Liability extension can raise cover up to €50,000,000, depending on the plan contracted.

Danos Materiais até 1.300.000 € por acidente;

[13] Legal defence: €10,000 ↩

A facultative Condição Especial (09) that is nonetheless included in all marketed plans, covering criminal defence, claims for bodily injury or material damage against third parties, claims under other policies, bail/indemnity advances and insolvency protection. Lawyer/expert fees are capped at €1,300, with a €5,000 per-claim limit for the main coverages (criminal defence, injury claims, material damage claims, claims under other insurance), and Annex III sets an aggregate annual cap of €10,000 across those four coverages; other sub-covers (bail advances, indemnity advances, insolvency, defective repair claims) have separate limits between €1,250 and €7,500.

1. Defesa em Processo Penal em consequência de acidente de viação 1.300 € 5.000 € 10.000 €

[14] Green card: Covered ↩

Compulsory RC coverage extends to all countries adhering to the Green Card Agreement. The International Insurance Certificate (Green Card) is issued on request within 5 business days at no extra charge, for contracts where the insurer has opted for automatic issuance of provisional certificates only (instalment payments shorter than a quarter).

o Tomador do Seguro tem o direito de solicitar a emissão do certificado internacional de seguro, que será emitido em 5 dias úteis e sem encargos adicionais.

[15] Passenger accident: Covered ↩

A facultative Condição Especial (07 - Condutor e Ocupantes de Viatura) included in all marketed plans, covering death, permanent disability, treatment and funeral expenses of any occupant of the insured vehicle (excluding hitch-hikers) in a road accident. The insured capital per person is set in each policy's Particular Conditions rather than a fixed generic amount; benefits are attributed per capita up to the vehicle's registered seating capacity, and are proportionally reduced if occupancy exceeds that capacity at the time of the accident.

Pessoas Seguras, os ocupantes do veículo seguro, incluindo o condutor, cuja vida ou integridade física se segura;

[16] Bodily injury liability: Covered ↩

The mandatory Civil Liability coverage is included on every policy by law, even for vehicles that are not used, but the source does not state the exact capital amount for this insurer's policy.

De acordo com a lei, sou obrigado a segurar o meu veículo mesmo que não o utilize, apenas com a cobertura de Responsabilidade Civil Obrigatória.

[17] Property damage liability: Covered ↩

The mandatory Civil Liability coverage (which in Portugal covers both bodily injury and property damage) is included by law, but the source does not state the exact capital amount for this insurer's policy.

De acordo com a lei, sou obrigado a segurar o meu veículo mesmo que não o utilize, apenas com a cobertura de Responsabilidade Civil Obrigatória.

[18] Legal defence: See details ↩

Not found in the verified sources for this insurer's Portuguese motor product.

[19] Green card: See details ↩

Not found in the verified sources for this insurer's Portuguese motor product.

[20] Passenger accident: See details ↩

Not found in the verified sources for this insurer's Portuguese motor product.

[21] Bodily injury liability: Covered ↩

The insurer's liability is always limited to the maximum amount fixed in the Particular Conditions of the policy, whatever the number of persons injured by a claim, and corresponds at all times to at least the compulsory minimum capital set by Decree-Law 291/2007 of 21 August; this document does not itself state the exact euro figure of that legal minimum.

A responsabilidade do Segurador é sempre limitada à importância máxima fixada nas Condições Particulares da apólice, seja qual for o número de pessoas lesadas por um sinistro, e corresponde, em cada momento, pelo menos ao capital mínimo obrigatório.

[22] Property damage liability: Covered ↩

The insurer's liability for material damage to third parties is limited to the amount fixed in the Particular Conditions, corresponding at all times to at least the compulsory minimum capital under Decree-Law 291/2007; the exact euro figure is not stated in this source.

A responsabilidade do Segurador é sempre limitada à importância máxima fixada nas Condições Particulares da apólice, seja qual for o número de pessoas lesadas por um sinistro, e corresponde, em cada momento, pelo menos ao capital mínimo obrigatório.

[23] Legal defence: €750 – €6,000 ↩

Optional Special Condition offering a single set of limits (no tier split): criminal defence up to €1,250; claims for bodily-injury damage up to €2,000; claims for material-damage up to €1,500 (combined material+bodily limit €2,500); advance of bail/court costs €750 and criminal cautions €3,750; advance of indemnities up to €6,000; advance for fines abroad up to €2,500; claims for defective vehicle repair up to €2,000; and cover for third-party insolvency/bankruptcy up to €5,000 in Portugal or €2,500 abroad.

1.1. DEFESA EM PROCESSO PENAL 1.250 € ... 2.1. DE CAUÇÕES CUSTAS E PREPAROS 750 € PENAIS 3.750 € 2.2. DE INDEMNIZAÇÕES 6.000 € 2.3. PARA PAGAMENTO DE MULTAS NO ESTRANGEIRO 2.500 €

[24] Green card: Covered ↩

For vehicles habitually garaged in Portugal, the international insurance certificate (Green Card), the provisional certificate, the payment notice, or the civil liability certificate constitute proof of the contract. The policy can further extend civil liability cover to the circulation of the vehicle in other States, provided cover is guaranteed by a valid Green Card for those countries. It is not a monetary capital but a proof-of-cover/territorial-extension mechanism.

Constitui documento comprovativo do presente contrato de seguro: a) Relativamente a veículos com estacionamento habitual em Portugal, o certificado internacional de seguro ("carta verde"), o certificado provisório, o aviso-recibo, ou o certificado de Responsabilidade Civil, quando válidos;

[25] Passenger accident: Optional ↩

Optional Special Condition paying Death, Permanent Disability and Treatment-Expenses indemnities to all persons carried free of charge in the insured vehicle, including the driver, in case of a road accident; the specific capital per insured person is fixed in the Particular Conditions and is not stated as a fixed figure in this source. If the vehicle's authorised seating limit is exceeded at the time of the accident, indemnities are reduced proportionally using a fixed formula.

A presente Condição Especial, em acréscimo às garantias previstas nas Condições Gerais do Seguro Obrigatório de Responsabilidade Civil Automóvel, garante o pagamento das indemnizações fixadas nas Condições Particulares quando, em consequência de Acidente de Viação, resulte para as Pessoas Seguras: a) Morte; b) Invalidez Permanente; c) Despesas de Tratamento.

[26] Bodily injury liability: €50,000,000 ↩

Mandatory third-party liability cover for bodily injury arising from the use of the insured vehicle, combined with property damage liability under a single insured capital of €50,000,000 per claim regardless of the number of victims — well above Portugal's statutory minimum.

[27] Property damage liability: €50,000,000 ↩

Mandatory third-party liability cover for material damage arising from the use of the insured vehicle, sharing the same single insured capital of €50,000,000 per claim as bodily injury liability.

[28] Legal defence: €10,000 – €20,000 ↩

Optional Legal Protection cover, bundled within the Multi Assistência Base/VIP/VIP Plus packages, reimburses lawyer's fees, court costs and expert fees for the insured's criminal defence and civil claims arising from a road accident, with per-claim limits ranging from €10,000 (Base) to €20,000 (VIP Plus).

[29] Green card: Covered ↩

The policy provides an international motor insurance certificate (Green Card) confirming mandatory liability cover for circulation in countries adhering to the Green Card multilateral agreement, at no additional premium.

[30] Passenger accident: €5,000 – €50,000 ↩

Optional cover for death or permanent disability of the driver and/or occupants resulting from a road accident involving the insured vehicle. The selectable capital varies by tier and option, from €5,000 (Base/Mais, option A) up to €50,000 (Top, option C).

[31] Bodily injury liability: €6,450,000 ↩

Legally mandatory minimum capital for bodily-injury claims per accident, guaranteeing the civil liability of the policyholder, owner and drivers for corporal damage caused to third parties, as fixed by Decreto-Lei n.º 291/2007.

Danos Corporais — 6.450.000 €

[32] Property damage liability: €1,300,000 ↩

Legally mandatory minimum capital for material-damage claims per accident, guaranteeing the civil liability of the policyholder, owner and drivers for material damage caused to third parties, as fixed by Decreto-Lei n.º 291/2007.

Danos Materiais — 1.300.000 €

[33] Legal defence: €6,000 ↩

Optional legal-expenses cover managed by Inter Partner Assistance: motor-accident claims up to €6,000/year (€3,000/claim, €1,250 in lawyer/expert fees), criminal defence for traffic offences up to €1,500/year (€750/claim, €600 fees), disputes over the purchase of a new vehicle up to €1,500/year, and defective repair/maintenance disputes up to €1,500/year.

1 — Acidente de Viação 1.250 € 3.000 € 6.000 € 2 — Defesa Penal ... 600 € 750 € 1.500 €

[34] Green card: Covered ↩

International certificate proving valid compulsory motor liability insurance across Green Card System countries; if the policy premium is fractioned in periods shorter than a quarter and only provisional certificates are issued automatically, the policyholder can request the Green Card, issued within 5 business days at no extra cost.

Tratando-se de contrato cujo pagamento do prémio se efetue em frações inferiores ao quadrimestre e relativamente ao qual o Segurador tenha optado pelo regime de emissão automática apenas de certificados provisórios, o Tomador do Seguro tem o direito de solicitar a emissão do certificado internacional de seguro, que será emitido em cinco dias úteis e sem encargos adicionais.

[35] Passenger accident: Optional ↩

Optional occupant-protection cover paying capital for death or permanent invalidity of transported passengers, plus medical/treatment, repatriation and funeral expenses (funeral sub-limit €500), and a daily hospitalisation-incapacity subsidy. The insured capital per occupant is freely selected by the policyholder and stated in the Condições Particulares (no fixed amount in the general terms), divided among all occupants actually transported up to the vehicle's seating limit.

os capitais são atribuídos por Pessoa Segura, dependendo do limite máximo de lotação constante do livrete do veículo seguro, sendo reduzidos ao resultado da divisão da soma dos subsídios correspondentes à referida lotação pelo total das pessoas efetivamente transportadas

[36] Bodily injury liability: Covered ↩

Mandatory cover for the civil liability of the owner, keeper and driver for bodily injury caused to third parties; the Insurer's liability is always limited to the maximum amount fixed in the Particular Conditions, corresponding at all times at least to the legally mandatory minimum capital, but no specific euro figure is stated in the available policy documents.

A responsabilidade do Segurador é sempre limitada à importância máxima fixada nas Condições Particulares da apólice, seja qual for o número de pessoas lesadas por um sinistro, e corresponde, em cada momento, pelo menos ao capital mínimo obrigatório.

[37] Property damage liability: Covered ↩

Mandatory cover for the civil liability of the owner, keeper and driver for material damage caused to third parties; limited to the maximum amount fixed in the Particular Conditions, at least equal to the legally mandatory minimum capital, but no specific euro figure is stated in the available policy documents.

A responsabilidade do Segurador é sempre limitada à importância máxima fixada nas Condições Particulares da apólice, seja qual for o número de pessoas lesadas por um sinistro, e corresponde, em cada momento, pelo menos ao capital mínimo obrigatório.

[38] Legal defence: €6,000 ↩

Included in LOGO Light. Covers criminal-law defence of the insured person (up to €6,000) following an accident involving the insured vehicle, and unlimited pursuit of pecuniary legal claims against a liable third party (subject to a €750 minimum-damage threshold below which an action will not be brought). Also advances penal bail: up to €750 for procedural costs and up to €3,000 for provisional release bail, reimbursable within 3 months.

Defesa da pessoa segura em processo penal 6.000€ Reclamação jurídica Ilimitado Valor mínimo indemnizável 750€

[39] Green card: Covered ↩

The mandatory liability contract is proven, for vehicles habitually garaged in Portugal, by the international insurance certificate (Green Card), provisional certificate, payment notice, or civil-liability certificate; for vehicles habitually garaged outside the EEA, a frontier insurance certificate is also required. Where the Insurer only automatically issues provisional certificates, the policyholder can request the Green Card free of charge, issued within 5 business days.

Relativamente a veículos com estacionamento habitual fora do território do Espaço Económico Europeu, os documentos previstos na alínea anterior e ainda o certificado de seguro de fronteira, quando válido.

[40] Passenger accident: Excluded ↩

The single 'Proteção de Ocupantes e Condutor' guarantee, which would cover both driver and passengers, is marked as not included (X) for LOGO Light in both editions of the Special Conditions reviewed.

Proteção de Ocupantes e Condutor X

[41] Bodily injury liability: €6,450,000 ↩

Legally required minimum indemnity limit for bodily injury caused to third parties, common to all Lusitania motor solutions (Auto Simples, Auto Extra, Auto TOP).

Para os contratos em geral: 6 450 000€ para danos corporais e 1 300 000 € para danos materiais;

[42] Property damage liability: €1,300,000 ↩

Legally required minimum indemnity limit for material damage caused to third parties under Decree-Law 291/2007, applicable since 1 June 2017.

Para os contratos em geral: 6 450 000€ para danos corporais e 1 300 000 € para danos materiais;

[43] Legal defence: Covered ↩

Provides legal assistance to insured persons in the event of a traffic accident with the insured vehicle, valid within the territorial scope of the compulsory motor liability insurance (Green Card countries); no specific capital amount is stated in available sources.

Garante a Proteção Jurídica das pessoas seguras em caso de acidente de viação ocorrido com o veículo seguro e em caso de sinistro suscetível de fazer funcionar as garantias.

[44] Green card: Covered ↩

Standardised document proving the existence of valid motor liability insurance, accepted as proof of cover while valid; abroad, local Green Card Bureau offices handle claims for accidents occurring in adherent countries.

Nos países aderentes a este sistema, a Carta Verde constitui o documento comprovativo da celebração do contrato do seguro obrigatório.

[45] Passenger accident: Not available ↩

Pays indemnities for death, permanent disability and treatment expenses to insured occupants of the vehicle involved in a traffic accident, according to the contracted modality and limits set out in the particular conditions; amounts are not disclosed in available sources.

Garante o pagamento das indemnizações correspondentes às garantias contratadas, em consequência de acidente de viação de que sejam vítimas as pessoas seguras de harmonia com a modalidade contratada, e até aos limites fixados nas condições Particulares

[46] Bodily injury liability: €6,450,000 ↩

Mandatory third-party liability cover for bodily injury caused to third parties by the insured vehicle, up to the current legal minimum of €6,450,000 per claim, in force since 1 June 2017 under Article 12 of Decree-Law 291/2007, fulfilling the obligation under Article 4 of the same Decree-Law.

Para os contratos em geral: 6 450 000€ para danos corporais e 1 300 000 € para danos materiais;

[47] Property damage liability: €1,300,000 ↩

Mandatory third-party liability cover for material damage caused to third parties by the insured vehicle, up to the current legal minimum of €1,300,000 per claim, in force since 1 June 2017 under Article 12 of Decree-Law 291/2007.

Para os contratos em geral: 6 450 000€ para danos corporais e 1 300 000 € para danos materiais;

[48] Legal defence: €6,000 ↩

Included in all modalities of MAPFRE AUTO. Covers legal defence and claim costs related to a road accident with the insured vehicle, with free choice of lawyer, up to €6,000 per year and €3,000 per claim, with sub-limits of €1,500 for lawyer/solicitor fees, €1,500 for court costs, €1,250 for expert reports and €1,250/€3,000 for criminal bail.

Limite máximo de pagamento por anuidade. .............................. 6.000 € Limites de pagamento em consequência de acidente de viação ou infração às regras de trânsito por via daquele: Limite máximo por sinistro .............................................................. 3.000 €

[49] Green card: Covered ↩

Coverage automatically extends, at no extra cost, to all Green Card agreement countries. Where a physical international certificate (Green Card) is required for other countries, MAPFRE issues it free of charge within 5 business days upon request.

o tomador do seguro tem o direito de solicitar a emissão do certificado internacional de seguro, que será emitido em 5 (cinco) dias úteis e sem encargos adicionais.

[50] Passenger accident: €10,000 – €50,000 ↩

Optional in all modalities. Pays a capital of €10,000 to €50,000 (as contracted) for death or permanent disability of vehicle occupants other than the driver, plus medical/hospital expenses (€1,000-€5,000) and clothing/footwear damage (up to €1,000).

Acidentes dos Ocupantes Sem Condutor Morte ou Invalidez Permanente Parcial ou Absoluta (limite de 10.000€ a 50.000€, conforme contratado) Despesas Médicas, Hospitalares, Medicamentosas, de Diagnóstico e de Transporte (limite de 1000€ a 5.000€, conforme contratado) Danos na Roupa e Calçado (limite 1.000€)

[51] Bodily injury liability: €6,450,000 – €50,000,000 ↩

Mandatory third-party liability cover includes a statutory bodily-injury sublimit of €6,450,000 (part of the combined €7,750,000 legal minimum capital, per accident). Two optional facultative capital tiers (€12,000,000 and €50,000,000, applied as combined limits for bodily injury and property damage) can be contracted for higher protection.

O seguro de Responsabilidade Civil, é obrigatório para todos os veículos que circulam em território português e garante os danos materiais e corporais causados a terceiros, transportados ou não no veículo, em consequência de acidente de viação, até aos limites contratados.

[52] Property damage liability: €1,300,000 – €50,000,000 ↩

Mandatory third-party liability cover includes a statutory property-damage sublimit of €1,300,000 (part of the combined €7,750,000 legal minimum capital, per accident). Optional facultative capitals of €12,000,000 or €50,000,000 apply as combined limits above the statutory sublimits.

Tendo em conta que, por vezes, o capital mínimo obrigatório por lei não é suficiente para cobrir todas as despesas, colocamos ao seu dispor duas modalidades de capitais facultativos que permitem um maior descanso quando está ao volante do seu veículo.

[53] Legal defence: Covered ↩

Sold jointly with Travel Assistance as a single guarantee (BASE and VIP modalities). Provides the policyholder with judicial or extrajudicial representation of their interests following a traffic accident.

A garantia de PROTEÇÃO JURÍDICA através da qual o tomador de seguro obtém a representação judicial ou extrajudicial dos seus interesses em consequência de acidente de viação;

[54] Green card: Covered ↩

The International Motor Insurance Certificate (Green Card) is issued as proof that the vehicle is insured, valid in countries adhering to the Green Card system.

O sistema de Carta Verde é uma convenção internacional, denominada Convenção Multilateral de Garantias, que tem por objetivo facilitar o transporte rodoviário. Nos países aderentes a este sistema, a Carta Verde constitui o documento comprovativo da celebração do contrato do seguro obrigatório.

[55] Passenger accident: €10,000 – €50,000 ↩

Optional guarantee, available in both N Auto Start and N Auto Top, covering death or permanent disability of persons transported in the vehicle, plus medical/surgical/pharmaceutical/hospitalisation treatment expenses. Available in modalities of €10,000/€1,000, €20,000/€2,000 or €50,000/€5,000 (death-or-disability capital / treatment-expenses capital).

Em consequência de acidente de viação com o veículo seguro, a N Seguros garante o pagamento de indemnizações caso daí resulte a Morte ou Invalidez Permanente das Pessoas Seguras até ao limite do capital subscrito.

[56] Bodily injury liability: €6,450,000 ↩

Mandatory civil liability coverage for bodily injury caused to third parties; the indicated capital corresponds to the Insurer's maximum liability and incorporates the legally required minimum capitals, which can be voluntarily extended (e.g. up to EUR 50 million).

[57] Property damage liability: €1,300,000 ↩

Mandatory civil liability coverage for material damage caused to third parties, forming part of the total mandatory minimum capital together with bodily injury liability.

[58] Legal defence: Covered ↩

Legal protection and assistance coverage included in the Mini, Extra and Top options; the specific insured capital is agreed between the parties and set out in the Particular Conditions.

[59] Green card: Covered ↩

The compulsory civil liability insurance is evidenced by the International Insurance Certificate (Green Card), which sets out the territorial scope of the obligatory guarantee across listed countries.

Constitui documento comprovativo do presente contrato de seguro: a) relativamente a veículos com estacionamento habitual em Portugal, o certificado internacional de seguro (“carta verde”), o certificado provisório, o aviso-recibo, ou o certificado de responsabilidade civil, quando válidos; […] desde que seja garantida por um certificado internacional de seguro (“carta verde”) válido para a circulação nesses países.

[60] Passenger accident: Conditional ↩

Personal accident coverage for vehicle occupants included in the Móbis Extra and Top options; the exact insured capital is agreed between the parties and set out in the Particular Conditions.

[61] Bodily injury liability: €6,450,000 ↩

Mandatory civil liability limited to €6,450,000 per accident for bodily injury, forming part of the overall €7,750,000 mandatory limit shown as included in every ok! auto plan (simple, safe, smart, care, premium).

Valor limitado a 6.450.000€, por acidente, para a reparação de danos corporais e 1.300.000€ por acidente, para a reparação de danos materiais.

[62] Property damage liability: €1,300,000 ↩

Mandatory civil liability limited to €1,300,000 per accident for material/property damage, part of the €7,750,000 combined mandatory minimum included in every plan.

Valor limitado a 6.450.000€, por acidente, para a reparação de danos corporais e 1.300.000€ por acidente, para a reparação de danos materiais.

[63] Legal defence: €6,500 ↩

Covers legal defence/claims related to circulation of the insured vehicle, with a maximum indemnity of €6,500 per annuity. Sub-limits include €3,250 per claim for lawyer/solicitor fees and court costs in traffic accident disputes, €1,250 for lawyer fees, €2,000 for court costs, and separate advance-payment ceilings for bail/penal cautions (€750–€3,750) and insolvency of third parties (€2,500–€5,000). Listed as a facultative cover in the general terms, but shown as included by default across all pre-defined ok! auto plans in the pre-contractual information table.

Indemnização Máxima por esta Condição Especial 6.500 € […] Defesa e Reclamação em caso de Acidente de Viação: Honorários de Advogados e Solicitadores Custas Judiciais de Processos Custas de Relatórios Periciais 3.250 € 1.250 € 2.000 € 1.500 € […] Adiantamentos: Cauções para custas e preparos Cauções Penais Indemnizações 750 € 3.750 € 5.000 €

[64] Green card: Covered ↩

The mandatory MTPL cover extends across the territories of countries whose national insurance bureaux have joined the Green Card Agreement, proven via the international insurance certificate ('Carta Verde'), the provisional certificate, the payment notice, or the civil liability certificate. Territorial scope covers the EU/EEA plus UK, Andorra, Gibraltar, Iceland, Norway, Switzerland and Serbia.

Responsabilidade Civil Obrigatória UE + Reino Unido (Grã-Bretanha e Irlanda do Norte), Andorra, Gibraltar, Islândia, Noruega, Suíça e Sérvia

[65] Passenger accident: €25,000 – €50,000 ↩

Optional cover for the driver and vehicle occupants, sold in two modalities: €25,000 or €50,000 death/permanent invalidity per insured person, €2,500/€5,000 treatment or repatriation expenses, €2,500/€5,000 funeral expenses, and €13/€26 per day hospitalisation subsidy (3-day deductible), capped at the vehicle's registered seating capacity.

Esta cobertura pode ser subscrita em duas modalidades, estando a modalidade contratada indicada nas Condições Particulares. […] Morte ou Invalidez Permanente 25.000 € 50.000 € Despesas de Tratamento/ Repatriamento 2.500 € 5.000 € Despesas de Funeral 2.500 € 5.000 € Internamento Hospitalar (subsídio diário com franquia de 3 dias) 13 €/Dia 26 €/Dia […] Os valores seguros estão expressamente fixados nas Condições Particulares e são atribuídos por Pessoa Segura, até ao limite máximo de lotação consignado no livrete de circulação do Veículo Seguro.

[66] Bodily injury liability: €6,450,000 – €50,000,000 ↩

Under the statutory RC Base tier, the mandatory minimum capital for bodily injury is €6,450,000 per accident (per the IPID), forming part of the combined €7,750,000 RC Base capital shown in the coverage table (the remaining €1,300,000 corresponds to property damage). The optional RC Extra tier raises the combined liability capital to €50,000,000; neither the coverage table nor the IPID discloses a separate bodily-injury/property-damage split for this higher tier.

[67] Property damage liability: €1,300,000 – €50,000,000 ↩

Under the statutory RC Base tier, the mandatory minimum capital for property damage is €1,300,000 per accident (per the IPID), forming part of the combined €7,750,000 RC Base capital. The optional RC Extra tier raises the combined liability capital to €50,000,000; no separate property-damage sub-limit is disclosed for this higher tier.

[68] Legal defence: Optional ↩

Legal protection is listed among VICTORIA Auto's facultative (optional) coverages in the IPID. The General Conditions treat Special Conditions - which govern coverages beyond the base contract - as needing to be specifically identified in the Particular Conditions, meaning this cover must be actively selected; no monetary limit is disclosed in the reviewed documents.

[69] Green card: Covered ↩

The contract can cover circulation in territories beyond those automatically included, provided a valid international insurance certificate (Green Card) is held; the certificate is also required documentation when the vehicle is sold and must be returned to VICTORIA within 24 hours of alienation.

[70] Passenger accident: €5,000 – €50,000 ↩

Optional cover for all vehicle occupants, spanning four tiers depending on the module contracted: €5,000 MIP/€500 DT/€2,500 DF (RC Base and RC Extra); €15,000 MIP/€1,500 DT/€2,500 DF (RC Extra, DP Base and DP Extra); €25,000 MIP/€2,500 DT/€2,500 DF (DP Base and DP Extra); €50,000 MIP/€5,000 DT/€2,500 DF (DP Extra only). For occupants under 14 or over 70, the death benefit is limited to funeral expenses.

[71] Bodily injury liability: €6,450,000 ↩

Statutory minimum compulsory liability for bodily injury in force since 1 June 2022; the policy's actual limit is fixed in the Particular Conditions but can never be lower than the legal minimum. The 2018 edition of the IPID stated a single aggregate compulsory capital of €7,290,000 (the pre-2022 combined statutory floor), which has since been superseded by the split minimums shown here.

[72] Property damage liability: €1,300,000 ↩

Statutory minimum compulsory liability for material damage in force since 1 June 2022; the policy's actual limit is fixed in the Particular Conditions but can never be lower than the legal minimum. The 2018 IPID stated a single aggregate compulsory capital of €7,290,000 covering both bodily injury and property damage combined, which predates the current split minimums.

[73] Legal defence: €250 – €6,500 ↩

Optional cover (Special Condition 021) providing criminal/civil defence, damages claims against responsible third parties, defective-repair claims, bail advances and advances on court-awarded compensation in connection with traffic accidents involving the insured vehicle in Portugal. Sub-limits range from €250 (road-traffic contraordenações) up to €6,500 (advances on court-awarded compensation per year); defence/reclamation abroad is covered separately under the travel-assistance guarantee.

6. Contraordenações ao código da estrada 250 € ... 4. Adiantamento de indemnizações fixadas judicialmente Por anuidade 6.500 €

[74] Green card: Covered ↩

Zurich issues the International Motor Insurance Certificate (Green Card) as proof of the compulsory cover; where only a provisional certificate is issued automatically, the policyholder can request the Green Card, which is issued within 5 business days at no extra charge and extends the territorial cover to countries under the Agreement between national insurers' bureaux.

o Tomador do Seguro tem o direito de solicitar a emissão do certificado internacional de seguro, que será emitido em 5 dias úteis e sem encargos adicionais.

[75] Passenger accident: Optional ↩

Optional cover (Special Condition 015 - 'Ocupantes da viatura') paying death, permanent disability, medical/repatriation expenses and optional add-ons (temporary disability, funeral expenses, or loss/damage of luggage and clothing) to the driver and all gratuitously-transported occupants of the insured vehicle, up to the vehicle's authorised seating capacity; capital amounts are fixed in the Particular Conditions.

Fica expressamente convencionado que nos termos, condições e exclusões desta Condição Especial, a presente apólice garante o pagamento das indemnizações fixadas nas Condições Particulares, em consequência de acidente acontecido às Pessoas Seguras