Fidelidade Motor third-party liability (Automovel Tradicional)

Replacement vehicle in case of accident or breakdown

Option available in Auto 3 and Auto 4 plans providing access to a replacement vehicle when the insured vehicle is immobilized due to accident or breakdown

Vital Driver Protection (Proteção Vital ao Condutor)

Personal protection coverage for the driver available in Auto 3 and Auto 4 plans, covering medical expenses and other driver-specific benefits in case of accident

Section: Cuidamos de si > Proteção Vital ao Condutor

Disponível para adicionar ao plano Auto 2, Auto 3, AutoEstima e Auto 4

Natural phenomena and vandalism coverage

Optional coverage for vehicle damage from storms, floods, hail, theft, arson, and vandalism; available primarily in Auto 3 and Auto 4 plans

Legal protection

Optional legal protection coverage available as an add-on to Auto 2, Auto 3, and Auto 4 plans

Windscreen damage (isolated glass breakage)

Optional coverage for isolated windscreen or glass breakage available in Auto 2, Auto 3, and Auto 4 plans

Acquisition value protection (Valor de Aquisição)

Optional coverage available in Auto 4 plan for newer vehicles (up to 3 years old) that protects the vehicle at its original purchase price rather than depreciated value

Outstanding debt coverage (Dívida Segura)

Optional coverage in Auto 4 plan that guarantees payment of outstanding vehicle financing debt in case of accident or loss

Acquisition Value cover (vehicles up to 3 years old)

Optional Special Condition paying the Acquisition Value (original public sale price including options bought new, per the base catalogue) in case of Total Loss of the insured vehicle following a claim under the contracted vehicle-damage covers. It applies only until the end of the annuity in which the vehicle reaches 3 years of age, counted from its first registration date, unless otherwise agreed in the Particular Conditions.

Section: Valor de Aquisição > Cláusula 3.ª - Âmbito e Duração da Garantia

A presente Condição Especial garante ao Segurado, nos termos constantes das Condições Particulares, o pagamento do Valor de Aquisição em caso de Perda Total do Veículo Seguro, ocorrida em consequência de sinistro abrangido pelas Garantias de Danos ao Veículo seguro constantes das Condições Especiais contratadas.

Replacement Vehicle - Level 1 (accident) / Level 2 (accident and breakdown)

Optional Special Condition providing a light passenger vehicle of similar technical characteristics to the insured vehicle (5-seat maximum, up to 1,800 cc) either only in case of accident-driven loss of use (Level 1) or in case of both accident and breakdown (Level 2), for up to 5 days per annuity and a maximum of 3 occurrences per annuity, with duration caps that vary by cause (theft/robbery, breakdown, other covers).

Section: Veículo de Substituição > Cláusula 2.ª - Âmbito da Garantia

Salvo convenção expressa em contrário nas Condições Particulares, a presente Condição Especial garante ao Segurado a disponibilização de um veículo ligeiro de passageiros de características técnicas semelhantes ao veículo seguro, com lotação máxima de 5 lugares, até ao limite de 1.800 c.c. de cilindrada

Insurer-designated repair workshop

When the insurer chooses to repair (rather than cash-settle) damage to the insured vehicle under a contracted vehicle-damage cover, it reserves the right to designate the workshop that will carry out both the assessment (peritagem) and the repair of the damage.

Section: Seguro Facultativo > Cláusula 8.ª - Ressarcimento dos Danos no Veículo Seguro

Optando o Segurador pela reparação, reserva-se ao direito de indicar a oficina que realizará a peritagem e a reparação dos danos no veículo seguro.

Vehicle age limit for certain coverages

Certain coverages (specifically the Secured Debt guarantee) cease at contract renewal following the date the insured vehicle reaches 8 years from first registration

Section: Proteção Vital do Condutor > § 3º

Na renovação subsequente à data em que o veículo seguro complete 8 anos, contados a partir da data do primeiro registo do veículo constante do Livrete ou Documento Único Automóvel emitido pela autoridade administrativa, salvo convenção expressa em contrário nas Condições Particulares;

Insured person maximum age limit

Coverage may cease at contract renewal following the date the insured person reaches 75 years of age, unless otherwise agreed in Particular Conditions

Section: Proteção Vital do Condutor > § 3º

Na renovação subsequente à data em que a Pessoa Segura complete 75 anos de idade, salvo convenção expressa em contrário nas Condições Particulares.

Electric and plug-in hybrid vehicle coverage

The Auto 1|2|3|4 product includes specific coverage and assistance provisions for 100% electric vehicles and plug-in hybrid vehicles

Parked vehicle protection

Insurance coverage remains active for parked vehicles protecting against theft, natural phenomena, vandalism, and isolated glass breakage even when the vehicle is not in use

Insured's maximum age for the optional 'Dívida Segura' benefit

Within Proteção ao Condutor / Proteção Vital do Condutor, the optional 'Dívida Segura' benefit (which pays outstanding vehicle-financing debt on death or permanent disability of grade ≥75) ceases at the contract renewal following the date the insured person turns 75, unless otherwise expressly agreed in the Particular Conditions.

Vehicle age limit for the optional 'Dívida Segura' benefit

The optional 'Dívida Segura' benefit within Proteção ao Condutor / Proteção Vital do Condutor ceases at the contract renewal following the date the insured vehicle reaches 8 years from its first registration date, unless otherwise expressly agreed in the Particular Conditions.