Caravela Motor third-party liability (Automovel Mtpl Standard)
Underwritten by Caravela Companhia de Seguros, S.A. · Portugal
motor third-party liability insurance from Caravela for the Portugal market, with online purchase and 24/7 assistance.
Verified Aug 26, 2026 · Terms dated 2024-04Sources
Unique selling points
The policy can be fully quoted and purchased online in minutes, with the Green Card issued automatically once payment is confirmed.
24/7 integrated travel assistance keeps drivers and occupants covered anywhere, including breakdowns, flat tyres and lost keys, not just accidents.
A digital damage survey speeds up settlement of own-damage and glass-breakage claims without needing an in-person inspection.
Pricing rewards safe drivers, aiming to charge good drivers less through the bonus/malus scale.
Adherence to the IDS convention lets policyholders be compensated directly by their own insurer after two-vehicle accidents in Portugal, avoiding the need to deal with the other driver's insurer.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
€6.5M
Legal Protection
€7K – €8K
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).
Section: CONDIÇÕES PARTICULARES – GARANTIAS DE PROTEÇÃO JURÍDICA
Limites máximos indemnizáveis: Por anuidade: 7.000€ Máximo por sinistro: 3.500€
International Motor Insurance Certificate (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.
Section: CAPÍTULO V > Prova do seguro > Cláusula 21.ª Prova do seguro
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.
Roadside / Travel Assistance
€165 – €500
Optional 'Assistência em Viagem' rider sold in two grades: Normal and VIP. Towing/roadside repair (desempanagem/reboque) is capped at €165 per assistance, limited to 3 assistances per year, under the Normal grade, rising to €500 per assistance under VIP; vehicle transport/repatriation and recovery after theft are unlimited under both grades. The rider also includes worldwide medical/repatriation assistance for occupants.
Section: CONDIÇÕES PARTICULARES – GARANTIAS DE ASSISTÊNCIA AO VEÍCULO SEGURO E SEUS OCUPANTES
Limite de assistências por anuidade: 3 Desempanagem no local ou reboque do veículo ... 165€
Occupant Personal Accident – Driver
Optional
Optional 'Acidentes Pessoais Ocupantes de Viatura' rider providing death/permanent disability, funeral expenses, medical/repatriation expenses and a daily hospitalisation allowance (ITIH) for the driver, since the compulsory MTPL cover explicitly excludes the at-fault driver's own bodily injury. Capital sums are fixed in the Particular Conditions; death cover only applies from age 14; ITIH pays for up to 180 days per accident (max 360 days if hospitalisations recur).
Section: COBERTURA DE ACIDENTES PESSOAIS OCUPANTES DE VIATURA > Cláusula 2.ª Objeto do contrato
Morte ou Invalidez Permanente; Despesas de Funeral; Despesas de Tratamento e Repatriamento; Incapacidade Temporária Absoluta só em caso de Internamento Hospitalar.
Occupant Personal Accident – Passengers
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.
Section: COBERTURA DE ACIDENTES PESSOAIS OCUPANTES DE VIATURA > Cláusula 1.ª Definições
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;
Key conditions
Driver restrictions
Cover (particularly the optional covers) excludes accidents where the driver was under the influence of alcohol above the legal limit, drugs or other toxic substances, or in a state of dementia; where the driver was not legally licensed or held an expired driving licence; where the mandatory periodic vehicle inspection (IPO) had not been carried out; or where the vehicle was used for a service different from and riskier than that declared in the Particular Conditions.
Claim notification deadline
The policyholder or insured must report a claim in writing as soon as possible and never later than 8 days from the date of the event or from when they became aware of it.
Bonus-malus rules
A bonus/malus scale of 20 grades (tariff levels from 50% to 250%) applies to Liability, Own Damage and related covers. The entry grade depends on years insured and claims in the last 5 years; within the same annuity, the first claim drops 2 grades and each subsequent claim drops a further 5 grades, while each claim-free annuity raises the level by 1 grade.
Territorial scope
Coverage applies throughout the EU/EEA member states, plus Switzerland, Croatia, Faroe Islands, Channel Islands, Gibraltar, Isle of Man, San Marino, Vatican City and Andorra, and any other country whose national insurance bureau adheres to the Green Card Agreement; the Travel Assistance, Occupants and Legal Protection covers apply worldwide.
Documents
Policy specifics
IDS Direct Compensation to Policyholder
Protocol among Portuguese insurers enabling direct compensation to policyholders for motor vehicle accidents with material damages only
SourceClause (J)Section: Informações Relevantes para o Cliente
IDS – indemnização direta ao segurado – Protocolo celebrado entre a maioria das empresas de seguros do mercado português, que permite ao tomador do seguro, no âmbito do seguro automóvel, resolver o sinistro junto do próprio segurador, o qual pagará directamente ao seu segurado os prejuízos, evitando que este tenha de contactar o segurador do terceiro responsável.
24/7 Travel Assistance
Round-the-clock roadside assistance available for vehicle breakdowns and accidents during travel
SourceSection: Assistência em Viagem
Estrada fora, sem preocupações. Se algo acontecer durante a tua viagem, estamos aqui para te ajudar, onde quer que estejas.
Digital Claims Survey
Streamlined digital inspection process for motor vehicle damage claims when optional coverage is purchased
SourceSection: Vistoria Digital
Vistorias sem stress? Claro que sim. Se o teu seguro incluir coberturas como danos próprios ou quebra de vidros, a vistoria é simples, rápida e 100% digital.
Compulsory Third-Party Liability
Mandatory base coverage for motor vehicle insurance protecting third parties against bodily injury and property damage caused by the insured vehicle
SourcePage 1Section: Qual é o tipo de seguro?
É um seguro de Responsabilidade Civil Automóvel, que inclui a cobertura obrigatória, garantindo danos patrimoniais e não patrimoniais a terceiros e que permite adicionar coberturas facultativas.
Premium Payment Obligation
Initial premium or first installment must be paid on the contract signature date; subsequent annual installments are due on contractually defined dates
SourcePage 2Section: Quando e como devo pagar?
Salvo convenção em contrário, o prémio inicial, ou a sua primeira fração, é devida na data de celebração do contrato.
Risk Aggravation Notification Duty
Policyholder or insured must notify the insurer within 14 days of becoming aware of any circumstance that increases the risk if it could have influenced the insurer's decision
SourcePage 2Section: Quais são as minhas obrigações?
O Tomador de Seguro ou o segurado tem o dever de, durante a execução do contrato, no prazo de 14 dias a contar do conhecimento do facto, comunicar, comunicar ao segurador todas as circunstâncias que agravem o risco
Vehicle Transmission Policy Termination
In case of vehicle sale or transmission, if the policyholder does not request suspension, the policy terminates at 24:00 on the transmission date
SourcePage 2Section: Há alguma restrição na cobertura?
No caso de transmissão do veículo, se o Tomador não solicitar a suspensão o seguro termina às 24horas do dia daquela transmissão
Sources
- caravelaseguros.pthttps://caravelaseguros.pt/informacoes-relevantes/(opens in a new tab)
- caravelaseguros.pthttps://caravelaseguros.pt/seguros/seguro-automovel/(opens in a new tab)
- caravelaseguros.pthttps://caravelaseguros.pt/wp-content/uploads/2025/01/CG-Automovel.pdf#page=103(opens in a new tab)
- caravelaseguros.pthttps://caravelaseguros.pt/wp-content/uploads/2025/01/CG-Automovel.pdf#page=105(opens in a new tab)
- caravelaseguros.pthttps://caravelaseguros.pt/wp-content/uploads/2025/01/CG-Automovel.pdf#page=21(opens in a new tab)
- caravelaseguros.pthttps://caravelaseguros.pt/wp-content/uploads/2025/01/CG-Automovel.pdf#page=62(opens in a new tab)
- caravelaseguros.pthttps://caravelaseguros.pt/wp-content/uploads/2025/01/CG-Automovel.pdf#page=63(opens in a new tab)
- caravelaseguros.pthttps://caravelaseguros.pt/wp-content/uploads/2025/01/DISPS-Automovel.pdf#page=1(opens in a new tab)
- caravelaseguros.pthttps://caravelaseguros.pt/wp-content/uploads/2025/01/DISPS-Automovel.pdf#page=2(opens in a new tab)
Caravela Motor third-party liability