Generali Tranquilidade Motor third-party liability (Mtpl Standard)

Mandatory liability cover of €50,000,000 per claim, far exceeding Portugal's statutory minimum capital requirement.

24/7 Multi Assistência roadside and travel assistance reachable by phone, WhatsApp, app or online form, in Portugal and abroad.

Selectable deductibles from €0 up to €2,000, including a zero-deductible option for high-value vehicles.

No-claims bonus of up to 55% for light-vehicle products, with a special regime restoring the bonus after two consecutive claim-free years.

Driver restrictions

Mandatory third-party liability cover continues to protect injured third parties even if the vehicle was driven by an unlicensed driver, by someone under the influence of alcohol or drugs, or in other prohibited circumstances; however, in these situations the insurer holds a statutory right of recourse (direito de regresso) against the responsible driver or policyholder after indemnifying the victim.

Claim notification deadline

The policyholder or insured must notify the insurer in writing of any claim as soon as possible and never later than 8 days from the date of the accident or from becoming aware of it, providing all relevant information and documentary or witness evidence; failure to do so may create liability for resulting losses.

Bonus-malus rules

Under the standard bonus/malus regime the premium is reduced by 5% for each consecutive claim-free year and increased by 20% for each claim in the same year (applied to the tariff premium net of any prior bonus/malus). After two consecutive claim-free years a special regime raises the bonus to 25% or removes an existing malus. The maximum bonus is 55% for the AUTLG/AUTRE light-vehicle products (50% for other products) and the maximum malus is 150%.

Territorial scope

Coverage extends to all countries whose national insurers' bureaux have adhered to the Agreement between National Insurers' Bureaux ('Green Card' system), including EU/EEA member states, Switzerland and other adherent territories (e.g. Andorra, Gibraltar, Isle of Man), plus any direct route linking two EEA territories where no national bureau exists.