Crédito Agrícola Seguros - Companhia de Seguros de Ramos Reais, S.A.
CA Seguros
CA Seguros is a motor third-party liability insurance for the Portugal market with online purchase and 24/7 assistance.
Direct payment
The insurer substitutes the insured in settling claims with third parties (subject to third parties' direct right of action) and can pay repair shops directly for repairs; any applicable deductible is still deducted from the indemnity even when payment is made directly to the repairer or another entity.
Geographic scope
Portugal (mainland, Madeira and the Azores)
Compulsory RC coverage applies in EU/EEA member states, Switzerland, Croatia, the Faroe Islands, the Channel Islands, Gibraltar, the Isle of Man, San Marino, the Vatican, Andorra and other Green Card Agreement countries. Optional (facultative) covers are limited to mainland Portugal, Madeira and the Azores unless otherwise agreed. VIP Travel Assistance to persons is worldwide; its vehicle guarantees are limited to Portugal, Europe and Mediterranean-bordering countries, with a maximum stay abroad of 60 days per trip.
Unique selling points
- First insurer in Portugal to offer Android Automotive in-car app integration for claims tracking and roadside-assistance requests.
- Optional Facultative Civil Liability extension raises third-party liability cover up to €50,000,000, well above the statutory minimums.
- Automatic €70 cash compensation if roadside assistance takes longer than 60 minutes to arrive.
- No deductible applies on Theft/Robbery, Natural Phenomena and Isolated Glass Breakage covers.
- Replacement vehicle included as standard in every plan, for up to 5 days after a breakdown and 5 days after an accident.
Coverage limits
Bodily Injury Liability (Compulsory MTPL)
€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.
Property Damage Liability (Compulsory MTPL)
€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.
Legal Protection (Proteção Jurídica VIP)
€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.
Green Card (International Motor Insurance Certificate)
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).
Roadside Assistance (Assistência em Viagem VIP)
€2,000
A facultative Condição Especial (08) included in all marketed plans, covering towing/breakdown assistance, vehicle repatriation and worldwide personal travel assistance (maximum 60-day stay abroad per trip). Towing cost limits vary by vehicle category: €350 for light passenger/commercial vehicles up to 3,500kg, up to €500 for larger light commercial vehicles/motorhomes, and up to €2,000 for heavy goods vehicles over 20,000kg. A €70 compensation is paid to the insured if assistance does not arrive within 60 minutes of the request (mainland Portugal, light vehicles).
Driver Personal Accident
Covered
No limit stated
A facultative Condição Especial (07 - Condutor e Ocupantes de Viatura) included in all marketed plans, covering death, permanent disability, treatment and funeral expenses of the driver in a road accident. This cover exists because compulsory RC explicitly excludes bodily injury to the at-fault driver. The insured capital per person is set in each policy's Particular Conditions rather than a fixed generic amount; for permanent disability of 50% or more, the insurer pays double the applicable percentage under Annex I's disability scale, and the total capital is shared per capita up to the vehicle's registered seating capacity.
Passenger/Occupant Personal Accident
Covered
No limit stated
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.
Key conditions
Territorial scope
Compulsory RC coverage applies in EU/EEA member states, Switzerland, Croatia, the Faroe Islands, the Channel Islands, Gibraltar, the Isle of Man, San Marino, the Vatican, Andorra and other Green Card Agreement countries. Optional covers are limited to mainland Portugal, Madeira and the Azores unless otherwise agreed. VIP Travel Assistance to persons is worldwide, while its vehicle guarantees are limited to Portugal, Europe and Mediterranean-bordering countries, with a maximum 60-day stay abroad per trip.
Green card rules
Compulsory RC coverage extends to Green Card Agreement countries. An International Motor Insurance Certificate (Green Card) can be requested and is issued within 5 business days at no additional cost, for contracts where the insurer has opted for automatic issuance of provisional certificates only.
Driver restrictions
Coverage is restricted or excluded when the vehicle is driven by a person not legally licensed to drive, when the driver is under the influence of alcohol, narcotics or other toxic substances, or when the driver abandons accident victims at the scene.
Claim notification deadline
The policyholder or insured must notify the insurer in writing of any claim within a maximum of 8 days from the date of occurrence or from the date they became aware of it, providing information and evidence needed to determine liability.
Bonus-malus rules
Premiums vary independently for four coverages (Civil Liability, Collision/Impact/Rollover, Theft/Robbery, Fire/Lightning/Explosion) on a 23-level Bonus/Malus scale from 200% (level 1) down to 45% (level 23) of the base premium. A claim-free year moves the policy up the scale; claims move it down; progression beyond level 20 has been frozen since 1 January 2015. If the at-fault driver is under 25 or has held a licence for less than 2 years, each claim counts as two claims for scale purposes and doubles the applicable deductible under Collision/Impact/Rollover. Claims settled under the IDS convention where the other party is exclusively at fault do not affect the Bonus/Malus class.
Where to buy
Policy specifics
VIP Assistance Service
VIP assistance service available for all CA Automóvel coverage plans that include vehicle and person assistance. Provides support in case of accident or breakdown in Portugal and abroad, with towing service without mileage limit and glass replacement/repair coverage when contracted.
SourceReplacement Vehicle Coverage
Any CA Automóvel plan covering light vehicles (passenger or cargo) includes the replacement vehicle coverage, guaranteeing the right to a substitute vehicle for 5 days in case of breakdown and 5 days in case of accident.
SourceBonus-Malus System
CA Automóvel offers a bonus allocation up to 50% on the first anniversary with no claims; annual bonus increases up to 50% for claim-free years; premium adjustment only on the affected coverage in case of driver fault accident.
SourceGlass Breakage Coverage
Optional coverage for isolated glass breakage. When contracted, includes immediate glass replacement or repair. Outside the network of protocol repair shops, a deductible of €75 applies (€100 for buses).
SourceDirect Claims Settlement (IDS)
CA Automóvel participates in the IDS (Direct Settlement to Insured) convention, a multi-insurer agreement in Portugal. Policyholders may file claims with their own insurer regardless of liability apportionment, and the insurer settles the claim proportionally without affecting the bonus or policy terms, provided the insured cooperates.
SourceFlexible Deductible Options
CA Automóvel offers flexible deductible solutions for Own Damage coverage (Collision, Impact and Rollover; Fire, Lightning or Explosion) including: 0%, 2%, 4%, 8%, 12%, or 20% of insured value, with a minimum of €250. For Acts of Vandalism: 2% minimum €250. Glass breakage outside protocol network: €75 (€100 for buses).
SourceTotal Loss Valuation Method
In case of total loss under an optional Own Damage coverage, indemnification is calculated based on the insured value at the time of claim, applying the depreciation table attached to the general conditions, deducting applicable contractual deductible and salvage value.
SourceClaims Payment Timeline
For third-party liability claims (mandatory coverage), CA Seguros commits to paying indemnification within 8 business days from receipt of supporting documents. Claims are registered within 4 business days of notification, with first contact guaranteed and survey scheduling confirmed.
Source