Divina Seguros Motor third-party liability (Seguro Automovel)
Underwritten by Divina Pastora, Seguros Generales, S.A.U. · Portugal
motor third-party liability insurance from Divina Seguros for the Portugal market, with 24/7 assistance.
Last verified Aug 27, 2026Sources
Key facts
- Divina Seguros
Unique selling points
Access to a network of recommended repair shops in Portugal that guarantee high-quality repair standards.
Optional wildlife-collision cover, useful for drivers in rural areas or roads where encountering wild boar or other game species is common.
Undeclared occasional drivers over 26 years old or with 3+ years of licence are automatically covered without needing to be named on the policy.
Participation in the IDS inter-insurer protocol speeds up settlement of two-vehicle, material-damage-only accidents in Portugal.
Roadside assistance starts from kilometre 0 with no location restrictions, covering breakdowns even far from home.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
Covered
Legal defence
No limit stated
Not found in the verified sources for this insurer's Portuguese motor product.
Green Card
No limit stated
Not found in the verified sources for this insurer's Portuguese motor product.
Roadside assistance
Covered
Roadside assistance is provided from kilometre 0, with no location restrictions, whether the vehicle breaks down at the policyholder's home garage or 300 km away; no monetary capital is stated.
A garantia de assistência em viagem a partir do quilómetro 0 significa que não existem restrições de localização na prestação deste serviço. Dispõe de assistência técnica independentemente de o seu automóvel avariar na garagem do seu domicílio ou quando se encontra a 300 km de distância.
Driver personal accident
No limit stated
Not found in the verified sources for this insurer's Portuguese motor product.
Key conditions
Driver restrictions
As a general rule, any driver over 26 years old or with more than 3 years of driving licence experience is covered by the policy, even if not explicitly declared; occasional drivers should still be expressly declared as such.
Claim notification deadline
In the event of material damage, the friendly accident report (or its electronic equivalent) must be completed with the other driver, and all information must be reported to the insurer within a maximum of 7 days from the date of the accident.
Documents
Policy specifics
Collision with animals coverage
Optional coverage for damage caused by collisions with wildlife (e.g., wild boar or other game species)
SourceSe vive numa zona rural ou circula regularmente por estradas onde existe a possibilidade de encontrar um javali ou qualquer outra espécie cinegética, e não contratou a sua própria cobertura de danos, é aconselhável contratar esta cobertura.
Driver age and license eligibility
General rule: any driver over 26 years old or with 3+ years of driving license experience is covered by the policy, even if not explicitly declared
SourceRegra geral, qualquer condutor com mais de 26 anos de idade ou com mais de 3 anos de carta de condução estará coberto pela apólice, independentemente de estar declarado ou não.
Network of recommended repair shops
Divina Seguros maintains a network of recommended repair shops in Portugal that guarantee high quality repair standards
SourceNo entanto, na Divina Seguros dispomos de uma rede de oficinas recomendadas em Portugal, que garantirão os mais altos padrões de qualidade na reparação do seu veículo.
Trailer coverage under €300
Trailers up to 300 kg do not require separate insurance or individual registration and are covered under the main vehicle's policy
SourceOs reboques até 300 kg não necessitam de um número de registo próprio e não é necessário subscrever um seguro específico que cubra os danos causados a terceiros para este veículo. Nestes veículos, os danos são cobertos pela apólice do veículo trator.