Allianz
Allianz Auto is a motor third-party liability insurance for the PT market with online purchase and 24/7 assistance.
Direct payment
Allianz Portugal pays indemnities directly to injured third parties as required by mandatory MTPL law. In cases covered by policy exclusions, Allianz may subsequently seek reimbursement from the vehicle driver.
Geographic scope
PT
Portugal (RC Obrigatória); restantes países indicados no Certificado Internacional de Seguro (Carta Verde) para coberturas adicionais; cobertura de Assistência em Viagem válida em Portugal e restantes países da Europa
Unique selling points
- Civil liability limit extended to 50,000,000 EUR per accident from the base RC Base module – well above the legal minimum of 6,450,000 EUR for bodily injury and 1,300,000 EUR for property damage per accident.
- Roadside assistance available 24/7 both in Portugal and across Europe, included in all modules from RC Base upwards with no extra charge.
- Legal defence (Proteção Jurídica) included as standard in the base RC Base module, covering criminal proceedings and damage claims arising from accidents.
- Nationwide network of Allianz partner workshops offering reduced deductibles, free vehicle pickup and delivery within 35 km, and a courtesy car during repair.
- Bonus-malus discount of up to 45% rewarding claims-free driving history, with immediate 45% discount on transfer from another insurer with 5+ claim-free years.
Coverage limits
Bodily Injury Liability
Covered
Mandatory third-party civil liability for bodily injury arising from road traffic, covered up to the legally required minimum of 6,450,000 EUR per accident; the RC Base module extends this to a total voluntary limit of 50,000,000 EUR per accident for all liability (bodily and property combined).
Property Damage Liability
Covered
Mandatory third-party civil liability for property damage arising from road traffic, covered up to the legally required minimum of 1,300,000 EUR per accident; the RC Base module extends the combined liability limit to 50,000,000 EUR per accident.
Legal defence
Included in all modules (RC Base, RC Mais, DP Base, DP Mais). Provides legal support for defence in criminal proceedings or claims for damages arising from an accident. No specific monetary cap published in accessible sources.
Green Card (International Insurance Certificate)
Covered
The policy is valid in countries indicated on the International Insurance Certificate (Green Card). The Green Card can be issued digitally via the myAllianz app or online. Coverage for additional guarantees applies in countries listed on the Green Card.
Roadside Assistance (Assistência em Viagem)
Covered
24/7 travel and breakdown assistance for the vehicle and its occupants, available in Portugal and across Europe. Services include towing, tyre damage, anti-vandalism, stolen vehicle tracking, and more. Included from the RC Base module; RC Mais and above include the 'Top' tier assistance.
Driver Accident Cover (Ocupantes – Condutor)
Covered
Personal accident cover for the driver in the event of a road accident, including death or permanent disability, treatment expenses and funeral expenses. In the RC Base module: death/permanent disability 15,000 EUR, treatment expenses 1,500 EUR, funeral expenses 1,500 EUR.
Passenger Accident Cover (Ocupantes – Passageiros)
Covered
Personal accident cover for all occupants (driver and passengers) travelling in the insured vehicle in the event of a road accident, covering death or permanent disability, treatment expenses and funeral expenses. In the RC Base module: death/permanent disability 15,000 EUR, treatment expenses 1,500 EUR, funeral expenses 1,500 EUR per person.
Key conditions
territorial_scope
Mandatory civil liability coverage applies throughout all countries of the European Union and all countries indicated on the Green Card (International Insurance Certificate). Travel assistance is available in Portugal and across the rest of Europe. Other optional coverages apply as stated in the specific policy conditions.
green_card_rules
The Green Card (International Insurance Certificate) evidences MTPL coverage validity in member countries. It can be issued digitally via the myAllianz app. Optional coverages (e.g. own damage, glass breakage) apply only in countries specified in the policy conditions and Green Card.
driver_restrictions
The vehicle must be driven by a person legally authorised to drive. Coverage is excluded for accidents caused when the vehicle is driven by a person without a valid licence, or under the influence of alcohol above the legal limit, narcotics or other toxic substances, or during illegal racing. Allianz Portugal may subsequently seek reimbursement from the driver for indemnities paid to third parties in excluded circumstances.
claim_notification_deadline
The policyholder must notify Allianz of a claim in writing (or by digital medium with a lasting record) within a maximum of 8 days from the date of occurrence or from the date of becoming aware of it, providing all relevant documentary or testimonial evidence. Claims can be reported via the e-SEGURNET app, the eCliente portal, by email to [email protected], or through an Allianz intermediary.
bonus_malus_rules
Allianz Auto applies a bonus-malus system: the premium increases by moving up one class for each claim under the Civil Liability or Collision/Rollover coverages. Good drivers are rewarded with discounts of up to 45% for a claims-free history. Policyholders transferring from another insurer with more than 5 years and no at-fault claims automatically receive a 45% discount. Premium adjustments are applied at each annual renewal.
Where to buy
Documents
IPID – Seguro Automóvel Allianz Auto (974 – 11/2023)
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Condições Gerais e Especiais Allianz Auto (12/2025)
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Condições Gerais e Especiais Allianz Auto (04/2022)
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Nota de Informação Prévia (NIP) – Allianz Auto (510 – 09/2022)
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Tabela de Coberturas Allianz Auto (06/2022)
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Policy specifics
Replacement vehicle
Provision of a replacement vehicle during repair period following a covered claim
Replacement value in new condition
Coverage guaranteeing replacement of vehicle at new value following total loss
Network workshop deductible reduction
Reduced deductible applied when vehicle is repaired at Allianz partner workshops
Insurable interest requirement
Person or entity with an insurable interest must be clearly identified in policy
Legally authorized driver requirement
Vehicle must be driven by person legally authorized to drive; exclusion for non-authorized drivers
Deductible structure and application
Deductible amount established in policy and deducted from indemnity payment at time of claim settlement
Free cancellation period
Consumer right to cancel contract within 30 days of receipt without penalty