Ageas Seguros

territorial_scope

The mandatory liability coverage applies throughout all territories of countries whose national insurance bureaux have adhered to the Agreement between national insurance bureaux, including all EU member states, EEA countries (Iceland, Liechtenstein, Norway), Switzerland, Croatia, Faroe Islands, Channel Islands, Gibraltar, Isle of Man, San Marino, Vatican and Andorra, as well as on direct routes linking two EEA territories where no national insurance bureau exists. Extension to other territories is possible via a valid Green Card (international certificate of insurance). Optional coverages share the same territorial scope as the mandatory coverage as indicated on the Green Card, unless otherwise specified in the Special Conditions or Particular Conditions.

green_card_rules

The Green Card (certificado internacional de seguro / carta verde) is issued as proof of valid insurance. For vehicles habitually parked in Portugal, valid proof documents include the international insurance certificate (Green Card), provisional certificate, payment receipt or civil liability certificate. If the premium is paid in instalments of less than four months and the insurer opts for automatic issuance of provisional certificates only, the policyholder has the right to request the Green Card, which will be issued within five business days at no additional charge. For travel outside Portugal to countries requiring a Green Card, it must be requested at subscription. Extension to countries outside the standard Agreement territories requires a valid Green Card for those specific countries.

driver_restrictions

The premium is subject to age and driving licence tenure surcharges for young drivers. Drivers aged 18-20 with a licence of up to 2 years face a 100% surcharge; 18-20 with more than 2 years: 60%. Drivers aged 20-25 with licence up to 2 years: 80%; 20-25 with 2-4 years: 60%; 20-25 with 4+ years: 40%. Drivers aged 25 and over with up to 2 years of licence: 40%. A single-driver clause (Condutor Único) may be activated, restricting own-damage collision coverage to the declared sole driver. A young driver clause (Condutor Jovem) provides for reimbursement of surcharges paid after 2 claim-free years. Mandatory liability coverage extends to all legitimate holders and drivers of the insured vehicle.

claim_notification_deadline

In case of a claim covered by the contract, the policyholder or insured must notify the insurer in writing as soon as possible, and no later than eight days from the day of the occurrence or from the day they become aware of it, providing all relevant evidence and documentation for the correct determination of liability. The notification must be made on the insurer's standard form (available on the insurer's website) or by any other written or recorded means. The liability for losses and damages for failure to notify does not apply if the insurer was informed of the claim by other means within the eight-day period, or if the notifying party proves that timely notification was not reasonably possible.

bonus_malus_rules

The bonus-malus system applies to the coverages of Mandatory Civil Liability, Collision/Impact/Overturn, Fire/Lightning/Explosion, Theft/Robbery, Sole Collision and Solução Ano Seguro. The initial scale is determined by the number of years with insurance and the number of claims in the last 5 years, based on the national vehicle registration file, rating certificate or internal Ageas history. Each claim-free year advances one scale (up to scale 24, which gives a 50% discount). Contracts at scales 3, 4 or 5 with two consecutive claim-free years advance directly to scale 7. Claims involving Fire/Lightning/Explosion or Theft/Robbery do not affect the bonus-malus scale. Scale 24 provides a 50% discount; scale 7 is 0%; scales 1-6 are surcharges from +200% to +10%. First claims cause regression of 2 scales (or specific rules for higher scales). A fourth claim in the same year drops all scales to scale 1. The bonus/malus is applied at the next annual renewal following the event.

Travel assistance

VIP travel assistance service included in Protec car insurance packages with roadside help, vehicle replacement, emergency support and other travel-related services

Occupant protection

Coverage for bodily injury to vehicle occupants in case of accident, with capital options ranging from 5,000 to 50,000 EUR available in most Protec packs

Glass breakage coverage

Coverage for isolated broken glass damage to the vehicle, with optional capital amounts available

Tire insurance

Coverage for tire repair or replacement costs up to 400 EUR per claim, with 10% deductible, including labor costs

Theft or robbery coverage

Coverage protecting the insured vehicle against theft or robbery, covering loss of the entire vehicle

Collision damage coverage

Coverage for damage resulting from collision, impact or vehicle overturning, including broken glass resulting from these events

Fire, lightning or explosion coverage

Coverage protecting the vehicle against damage caused by fire, lightning strikes or explosions

Legal protection

Coverage providing legal assistance and representation in disputes related to the insured vehicle and traffic accidents

Claims-free bonus system

No-claims bonus and malus system with 24 possible scales. Each claim-free year allows progression to a higher scale with reduced premium

Recommended workshop network conditions

Option to use Ageas recommended workshop network for collision damage repairs with potential premium discounts and first-claim no-increase guarantees

Three-year value protection solution

Optional coverage maintaining the vehicle value at the time of subscription for 3 policy years. In case of total loss, indemnity is based on original value without depreciation

Mandatory liability minimum legal limits

Mandatory coverage with minimum legal limits: 1,300,000 EUR for material damages and 6,450,000 EUR for bodily damages, as required by Portuguese law

Deductible application rules

Deductibles apply to optional own-damage coverages according to policy conditions. Mandatory liability coverage has no deductible for third-party claims

European coverage territory

Coverage extends to EU member states, EEA countries (Iceland, Liechtenstein, Norway), Switzerland, Croatia, Faroe Islands, Channel Islands, Gibraltar, Isle of Man, San Marino, Vatican and Andorra

Policy transfer and contract modification

Policy terms allow for contract modification and vehicle transfer, with administrative costs charged for policy alterations such as adding drivers or changing vehicles