Generali Seguros, S.A. (LOGO brand)

Territorial scope

Mandatory liability applies throughout the territories of countries whose national insurance bureaux adhere to the Agreement between national insurance services (EU/EEA plus Switzerland, Croatia, Faroe Islands, Channel Islands, Gibraltar, Isle of Man, San Marino, Vatican, Andorra), and to direct routes between two EEA territories lacking a national bureau; it can be extended to further countries via a valid Green Card.

Green card rules

For vehicles habitually garaged outside the EEA a frontier insurance certificate is additionally required. Where premiums are paid in instalments shorter than four months and the Insurer opts for automatic issue of provisional certificates only, the policyholder may request the Green Card, issued free of charge within 5 business days.

Driver restrictions

Claims are excluded/loaded when the vehicle is driven by a person not identified in the contract if this implies a higher risk level under the Insurer's tariff rules, by a person not legally licensed or legally barred from driving, or under the influence of alcohol, drugs or narcotics.

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 occurrence or from becoming aware of it, providing all relevant documentary/witness evidence, under penalty of liability for resulting losses.

Bonus-malus rules

A no-claims bonus of 5% per claim-free year (capped at 50%) and a claims-loading malus of 20% per claim in the same annuity (capped at 250%) apply jointly to the Civil Liability (mandatory or optional) and Collision/Impact/Overturning premiums; bonus can be suspended for up to 2 years while a claims provision is open.

Light Travel Assistance

Vehicle breakdown and travel assistance service included with LOGO Auto Light, with specific coverage limits and geographical scope

Legal Protection

Coverage for legal defense of the insured in case of involuntary homicide, bodily harm, or negligent damage arising from vehicle ownership or use

Third-Party Assistance

Coverage for bodily and material damages to third parties (those not named in the policy) caused by an accident involving the insured vehicle, recoverable from third-party insurers

Portugal residency requirement

Insured person must maintain habitual and tax residence in Portugal for coverage to remain in force; guarantees automatically terminate if residency changes

Portuguese registration requirement

Only light passenger vehicles or motorcycles with Portuguese registration plates are eligible for LOGO Auto Light; excludes vehicles for commercial transport, taxis, or training vehicles

Coverage waiting period

If vehicle was without valid insurance for 30+ days prior, certain assistance guarantees are subject to a 15-day waiting period from policy inception

Assistance service activation requirement

Insured must contact the Assistance Service immediately after an incident and follow its instructions; failure to do so may result in loss or reduction of coverage for certain benefits