Grupo Ageas Portugal (Ageas Portugal – Companhia de Seguros, S.A. and Ageas Portugal – Companhia de Seguros de Vida, S.A.)

Territorial scope

Mandatory liability cover extends to the territories of all countries whose national insurance bureaux have adhered to the Green Card Agreement — the EU/EEA member states, Switzerland, Croatia, the Faroe Islands, Channel Islands, Gibraltar, Isle of Man, San Marino, Vatican City and Andorra — including stays of the vehicle in any of them, plus routes directly connecting two EEA territories where no national insurance bureau exists.

Green card rules

The Green Card is the standard proof of valid compulsory insurance for vehicles habitually based in Portugal; where the insurer issues only automatic provisional certificates (premiums paid in instalments shorter than a quarter), the policyholder can request the Green Card, issued within 5 business days at no additional charge.

Driver restrictions

Premium surcharges (agravamentos) apply for young/inexperienced drivers, ranging from +100% (18-20 years old, licence ≤2 years) to +40% (20-25 years old, licence ≥4 years); an optional 'Condutor Único' clause gives a fixed discount but voids Choque/Colisão/Capotamento cover if the vehicle is driven by anyone other than the declared sole driver; a 'Condutor Jovem' clause refunds the age-related surcharge after 2 consecutive claim-free years.

Claim notification deadline

The policyholder or insured must notify the insurer of any covered claim in writing as soon as possible and never later than 8 days from the occurrence (or from becoming aware of it), providing all relevant information and evidence, under penalty of liability for resulting losses.

Bonus-malus rules

A 24-tier bonus/malus scale applies to the Responsabilidade Civil, Choque/Colisão/Capotamento, Incêndio/Raio/Explosão, Furto/Roubo, Só Colisão and Solução Ano Seguro coverages. The entry tier depends on years insured and claims in the last 5 years, per the tables in the January 2025 Condições Contratuais (Anexo, Cláusula 33.ª), which supersede the earlier June 2022 pre-contractual edition figures for the same purpose. Bonuses range from 0% (tier 7) up to -50% (tiers 22-24); malus ranges from +10% (tier 6) up to +200% (tier 1). Each claim-free anuity moves the policy up one tier (tiers 3-5 jump straight to tier 7 after two consecutive claim-free anuities); claims solely involving Incêndio/Raio/Explosão or Furto/Roubo do not affect the existing tier.

Mandatory Third-Party Liability Coverage

Legal mandatory coverage guaranteeing civil liability of the policyholder and drivers for material and bodily damage caused to third parties

VIP Travel Assistance

Enhanced travel assistance coverage including vehicle towing, emergency repairs, replacement vehicle provision, and personal assistance services

Optional Liability Extension Coverage

Optional extension of third-party liability coverage beyond mandatory minimums, with capital options up to €50,000,000

No-Claims Bonus/Malus System

Premium adjustment system based on claims history; favorable discounts for claims-free periods and increases for accident involvement

Territorial Scope and Green Card Coverage

Mandatory liability coverage valid in EU/EEA member states and countries listed on the International Certificate of Motor Insurance (Green Card)

Claims Settlement Procedure

Formal claims notification and settlement process governed by Portuguese Decree-Law 291/2007 on compulsory motor insurance claims

Direct Repair Workshop Network

Option to use Ageas-recommended workshop network for repairs with streamlined claims settlement