Generali Seguros, S.A.

Territorial scope

The contract covers accidents occurring in Portugal and in all countries whose national insurers' bureaux have adhered to the Agreement between National Insurers' Bureaux, as well as on any direct route connecting two EEA territories lacking a national bureau.

Green card rules

Proof of insurance may include the Green Card (international motor insurance certificate) for circulation outside the EU/EEA in countries adhering to the Green Card multilateral agreement; coverage in such countries requires a valid Green Card and is subject to bilateral agreements where no national insurers' bureau exists on a given route.

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%.

Medical and treatment expenses for driver and occupants

Coverage for medical costs including treatment expenses; driver coverage is up to 15% of sum insured, occupants up to 10%

Towing and roadside assistance service

Optional extension of civil liability coverage for towing when attached to insured vehicle; includes assistance services

Baggage coverage

Optional coverage for personal baggage with limit of EUR 250 per item

Selectable deductible amounts

Multiple deductible options available: EUR 0, 250, 500, 750, 1,250, 1,500, or 2,000

Geographic coverage scope

Coverage applies in Portugal and extends to countries where national insurers have joined the Motor Insurance Agreement, including EU/EEA Member States, Switzerland, Croatia, Faroe Islands, Channel Islands, Gibraltar, Isle of Man, San Marino, Vatican, and Andorra

Premium payment requirement

Coverage of risks is conditional upon prior payment of the premium

Fraudulent non-compliance notification and coverage impact

Insurer must become aware of fraudulent non-compliance; if no claim has arisen, notice must be sent within 3 months. Insurer is not obligated to cover claims arising before awareness or during the 3-month period

Mandatory third-party liability coverage

The contract covers mandatory civil liability arising from road accidents as determined by applicable law. Covers damages to pedestrians, cyclists, and other non-motorised road users only where and insofar as law applicable to civil liability determines compensation