Fidelidade - Companhia de Seguros, S.A.

Territorial scope

Cover applies to accidents occurring in the territories of all countries whose national insurance bureaus adhere to the Agreement between national insurance services (EU member states, EEA states Iceland/Liechtenstein/Norway, UK, Switzerland, Faroe Islands, Channel Islands, Gibraltar, Isle of Man, San Marino, Vatican, Andorra and Serbia), plus direct routes linking two EEA territories without a national insurance service, and can be extended to other countries where covered by a valid Green Card.

Green card rules

The Green Card (international insurance certificate) is one of the accepted proofs of the contract for vehicles habitually parked in Portugal, alongside the provisional certificate, payment notice, or civil liability certificate; for vehicles habitually parked outside the EEA, a valid frontier insurance certificate is additionally required. The Green Card can also be used to extend liability cover to other countries beyond the automatically-covered territory.

Driver restrictions

Third parties remain compensated under compulsory MTPL regardless of driver fault, but the insurer retains a right of recourse (direito de regresso) against the at-fault driver in specific cases: driving under the influence of alcohol above the legal limit or of drugs/toxic substances; driving without a valid licence for the vehicle category; theft/unauthorised use of the vehicle; deliberately causing the accident; abandoning the injured party; or breaches related to vehicle roadworthiness inspections that caused or aggravated the accident.

Claim notification deadline

The Policyholder or Insured must notify the insurer in writing of any covered claim as soon as possible, and never later than 8 days from the date of the occurrence or from the date they became aware of it, under penalty of being liable for resulting losses.

Bonus-malus rules

A no-claims bonus/malus system applies to the premiums of the Responsabilidade Civil cover (and, where contracted, several facultative covers). Entry classification depends on years insured, number of claims in the last 5 years and years without claims; evolution at each renewal follows a transition table based on the previous year's bonus/malus class and number of claims recorded in that annuity, ranging from a maximum bonus of -50%/-55% to a maximum malus of +130%.

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

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.

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).

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.

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

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

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.