Generali Seguros, S.A. (LOGO brand) Motor third-party liability in Portugal

Unique selling points

'Auto na Hora' service guarantee: LOGO pays the insured €60 if the tow truck takes more than 60 minutes to arrive, and €120 if it takes more than 120 minutes.

Fully digital, 100% online quoting, issuance and claims management via the myLOGO app, without paperwork or branch visits.

Even the entry-level Light tier includes unlimited legal-claim recovery (reclamação jurídica) against a liable third party, at no extra cost.

Customers can choose the assistance level that suits them (Light, Normal, or the E-Base extension for electric vehicles) instead of a one-size-fits-all package.

LOGO has adhered to inter-insurer claims protocols (CRS, IDS Protocol, Portuguese Green Card Bureau) to speed up claims settlement for policyholders.

Coverage limits

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

Covered

Legal Protection

€6K

Included in LOGO Light. Covers criminal-law defence of the insured person (up to €6,000) following an accident involving the insured vehicle, and unlimited pursuit of pecuniary legal claims against a liable third party (subject to a €750 minimum-damage threshold below which an action will not be brought). Also advances penal bail: up to €750 for procedural costs and up to €3,000 for provisional release bail, reimbursable within 3 months.

Page 12

Section: Condições Particulares > ASSISTÊNCIA EM VIAGEM – LIGHT E E-BASE

Defesa da pessoa segura em processo penal 6.000€ Reclamação jurídica Ilimitado Valor mínimo indemnizável 750€

Covered

Green Card / International Insurance Certificate

Covered

The mandatory liability contract is proven, for vehicles habitually garaged in Portugal, by the international insurance certificate (Green Card), provisional certificate, payment notice, or civil-liability certificate; for vehicles habitually garaged outside the EEA, a frontier insurance certificate is also required. Where the Insurer only automatically issues provisional certificates, the policyholder can request the Green Card free of charge, issued within 5 business days.

Clause Art. 21.ªPage 10

Section: Capítulo V > Cláusula 21.ª - Prova do seguro

Relativamente a veículos com estacionamento habitual fora do território do Espaço Económico Europeu, os documentos previstos na alínea anterior e ainda o certificado de seguro de fronteira, quando válido.

Conditional

Travel/Roadside Assistance

Conditional

Travel assistance is not legally mandatory and, per LOGO's official coverage summary, is not automatically included in LOGO Light (it is offered so the customer can choose whether to add it and at which level). When contracted at the 'Light' level, towing/breakdown service access is unlimited but all associated costs are borne by the insured person; when the 'Normal' level is instead selected for the policy, indemnity limits apply (e.g. €150 for breakdown/towing, €3,000 for medical expenses abroad, 'Take me Home' up to 3 occurrences/50km per year) and includes the 'Auto na Hora' guarantee paying €60 if the tow truck takes over 60 minutes to arrive and €120 if over 120 minutes. An E-Base extension adds EV-specific assistance (battery-flat towing, charging-cable theft cover, etc.).

Excluded

Driver Personal Accident

Excluded

The 'Proteção de Ocupantes e Condutor' (Occupants and Driver Protection) guarantee is explicitly marked as not included (X) in the LOGO Light coverage table, in both the 2022 and 2026 editions of the Special Conditions.

Page 2

Section: Condições Especiais > COBERTURAS

Proteção de Ocupantes e Condutor X

Excluded

Passenger Personal Accident

Excluded

The single 'Proteção de Ocupantes e Condutor' guarantee, which would cover both driver and passengers, is marked as not included (X) for LOGO Light in both editions of the Special Conditions reviewed.

Page 2

Section: Condições Especiais > COBERTURAS

Proteção de Ocupantes e Condutor X

Key conditions

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.

Territorial scope

Mandatory liability covers accidents in the territories of all countries whose national insurance bureaux have adhered to the Agreement between national insurance services (EU member states, other EEA states - Iceland, Liechtenstein, Norway - plus Switzerland, Croatia, Faroe Islands, Channel Islands, Gibraltar, Isle of Man, San Marino, Vatican and Andorra), and can be extended via Green Card to other countries adhering to the Green Card Agreement. The Light travel-assistance guarantee is valid only in Portugal, while the E-Base/Normal assistance extension, when selected, is valid in Europe and Morocco, Tunisia, Israel and Turkey.

Documents

G100/041-202101 General Conditions of the Motor Insurance Policy (opens in a new tab)

Terms & conditions · PDF

G101/041-202207 LOGO Auto Light Special Conditions (opens in a new tab)

Terms & conditions · PDF

G101.041-202601 LOGO Auto Light Special Conditions (current edition) (opens in a new tab)

Terms & conditions · PDF

Insurance Product Information Document - LOGO Automóvel (opens in a new tab)

Product information sheet · PDF

Policy specifics

Light Travel Assistance

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

SourceClause Art. 2.ªPage 3

Section: Condições especiais > Assistência em viagem - Light e E-Base > Cláusula 2.ª - Garantias de Assistência

Durante o período de validade da apólice, por sinistro e até aos limites fixados nas Condições Particulares, o Serviço de Assistência prestará ainda as garantias a seguir indicadas.

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

SourceClause Art. 2.ªPage 4

Section: Condições especiais > Assistência em viagem - Light e E-Base > Cláusula 2.ª > 2. Defesa e reclamação jurídica

Assegurar a defesa da Pessoa Segura perante qualquer tribunal, se esta for acusada de homicídio involuntário ou de ofensas corporais involuntárias, dano culposo e infração às leis e regras de circulação, em consequência da propriedade, guarda ou utilização do veículo seguro

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

SourceClause Art. 2.ªPage 4

Section: Condições especiais > Assistência em viagem - Light e E-Base > Cláusula 2.ª > 2. Defesa e reclamação jurídica

Reclamar a reparação pecuniária dos danos corporais e/ou materiais sofridos pela Pessoa Segura, desde que resultem de um acidente enquadrável no âmbito da Responsabilidade Civil Automóvel, em que esteja envolvido o veículo seguro, e sejam da responsabilidade de uma pessoa diferente do Aderente ou de qualquer outra Pessoa Segura da apólice

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

SourceClause Art. 5.ªPage 7

Section: Condições especiais > Assistência em viagem - Light e E-Base > Cláusula 5.ª - Duração

O Tomador do Seguro ou a Pessoa Segura, quando diferente do Tomador, deixarem de ter residência habitual e fiscal fixada em Portugal;

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

SourceClause Art. 1.ªPage 3

Section: Condições especiais > Assistência em viagem - Light e E-Base > Cláusula 1.ª - Definições

O veículo automóvel designado nas Condições Particulares, desde que se trate de um ligeiro de passageiros, conforme definição do Código da Estrada, e possua matrícula portuguesa.

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

SourceClause Art. 2.ªPage 3

Section: Condições especiais > Assistência em viagem - Light e E-Base > Cláusula 2.ª - Garantias de Assistência

Na sequência de avaria e caso o veículo seguro se encontre sem seguro válido por um período anterior, igual ou superior a trinta (30) dias, a vigência das garantias a seguir indicadas fica sujeita a um período de carência de quinze (15) dias

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

SourceClause Art. 4.ªPage 6

Section: Condições especiais > Assistência em viagem - Light e E-Base > Cláusula 4.ª - Procedimentos em caso de sinistro

Contactem imediatamente o Serviço de Assistência, caracterizando a ocorrência e fornecendo todas as informações necessárias para a prestação da assistência solicitada;

Sources

LOGO Motor third-party liability

Get a quote from LOGO Compare Motor third-party liability insurers in Portugal

LOGO Motor third-party liability (Auto Light)

Unique selling points

Coverage limits

Key conditions

Documents

Policy specifics

Sources