Allianz Motor third-party liability (Allianz Auto)
Underwritten by Companhia de Seguros Allianz Portugal, S.A. · Portugal
motor third-party liability insurance from Allianz for the Portugal market, with online purchase and 24/7 assistance.
Verified Aug 26, 2026 · Terms dated 2026-02Sources
Unique selling points
All optional-style covers — additional liability capital, occupants, travel assistance, and legal protection — are bundled into Allianz Auto's base option at no extra cost, rather than being sold as separate add-ons.
Third-party liability is extended to a combined €50,000,000 per accident, well above Portugal's statutory minimum of €6.45 million for bodily injury and €1.3 million for property damage.
24/7 travel assistance is reachable on a dedicated national line, covering the vehicle and occupants from the policyholder's own doorstep.
The Green Card / International Motor Insurance Certificate can be downloaded instantly and kept digitally via the myAllianz app, avoiding delays with paper documents.
Vehicles repaired at Allianz's contracted nationwide workshop network benefit from reduced deductibles compared with non-network repairs.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
Legal protection
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.
Green Card / International Motor Insurance Certificate
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.
Travel assistance
Covered
24/7 assistance to the vehicle and occupants from the policyholder's home, within contracted limits; provided at a 'Base' service level under the RC Base module and upgraded to a 'Top' service level under RC Mais, DP Base and DP Mais.
Driver personal accident cover
€15K
Occupants cover (which includes the driver) 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.
Key conditions
Driver restrictions
Certain events are excluded from indemnification, such as accidents occurring while the driver is under the effect of alcohol or drugs, driving without a valid licence, illegal races, or circulation in restricted zones; in these cases Allianz Portugal is not obliged to pay compensation to the policyholder, although it may still compensate third parties and later seek reimbursement from the driver.
Claim notification deadline
The policyholder must notify Allianz of an accident within a maximum of 8 days from the date it occurred or was discovered, via the e-SEGURNET portal, eCliente, email to [email protected], or through an Allianz mediator.
Bonus-malus rules
The insurance cost can increase according to the number of claims registered on the policy and the renewal policy in force at the time; any new premium is communicated to the policyholder in advance, while claim-free drivers benefit from discounts.
Territorial scope
Roadside/travel assistance to the vehicle and occupants is provided in Portugal and the rest of Europe; remaining coverages (including third-party liability) apply in the countries listed on the Green Card / International Motor Insurance Certificate.
Documents
Allianz Auto General and Special Conditions - 02/2026 (opens in a new tab)
Terms & conditions · PDF
Automóvel Pre-Contractual Information Note 510 - 01/2026 (opens in a new tab)
Other document · PDF
Insurance Product Information Document (IPID) - Motor Insurance (opens in a new tab)
Product information sheet · PDF
Allianz Auto Coverage Table (opens in a new tab)
Table of benefits · PDF
Policy specifics
Mandatory third-party liability coverage
Legal minimum third-party liability coverage required by Portuguese law, covering damage caused to third parties
SourceOccupants coverage
Coverage for death or permanent disability of vehicle occupants and driver, including treatment and funeral expenses
SourceTravel assistance
24/7 roadside assistance for vehicle breakdowns and accidents, available in Portugal and Europe
SourceLegal protection
Legal assistance and representation in penal proceedings or property damage claims following an accident
SourceWorkshop network
Contracted workshop network for repairs, with reduced deductibles for network repairs vs. non-network repairs
SourceAutomatic policy renewal
Policy automatically renews for equal 12-month periods unless termination is expressly communicated
SourceClaims notification period
Policyholder must notify insurer of accidents within 8 days of occurrence or discovery
SourceNew vehicle replacement guarantee
For new vehicles within first 3 years/11 months from registration, no depreciation applied to insured capital in first renewal
SourceSources
Allianz Motor third-party liability