Divina Pastora, Seguros Generales, S.A.U.
Divina Seguros
Divina Seguros is a motor third-party liability insurance for the Portugal market with no online purchase and 24/7 assistance.
Direct payment
Divina Seguros participates in the IDS (Direct Indemnification of the Insured) protocol between insurers, which speeds up settlement of material-damage-only accidents involving exactly 2 vehicles that occurred in Portugal less than 1 year ago, where damage is assessed and repaired in Portugal (or total loss up to €25,000). Claims outside this scope must be pursued directly against the at-fault driver's insurer.
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
Bodily injury liability
Covered
No limit stated
The mandatory Civil Liability coverage is included on every policy by law, even for vehicles that are not used, but the source does not state the exact capital amount for this insurer's policy.
Property damage liability
Covered
No limit stated
The mandatory Civil Liability coverage (which in Portugal covers both bodily injury and property damage) is included by law, but the source does not state the exact capital amount for this insurer's policy.
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.
Driver personal accident
No limit stated
Not found in the verified sources for this insurer's Portuguese motor product.
Passenger 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.
Policy specifics
Collision with animals coverage
Optional coverage for damage caused by collisions with wildlife (e.g., wild boar or other game species)
SourceDriver 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
SourceNetwork of recommended repair shops
Divina Seguros maintains a network of recommended repair shops in Portugal that guarantee high quality repair standards
SourceTrailer 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
Source