Lusitania, Companhia de Seguros, S.A.
Lusitania
Lusitania is a motor third-party liability insurance for the Portugal market with no online purchase and 24/7 assistance.
Direct payment
Lusitania participates in the Direct Settlement to the Insured Convention (IDS), allowing direct payment to the insured for certain third-party liability claims when the Friendly Accident Statement (DAAA) is properly signed by both drivers, processed via the e-SEGURNET application.
Geographic scope
Portugal
Valid throughout Portugal and, under the Green Card system, in all countries where the Green Card is accepted, corresponding to the territorial scope of the compulsory motor liability insurance.
Unique selling points
- Optional Auto 4X4 Patas cover reimburses treatment expenses for pets injured while being transported in the insured vehicle, a niche add-on most competitors don't offer.
- Market Variation cover pays up to an extra 20% of the insured value on top of the total-loss payout in the month of the occurrence.
- Driver Protection Extra+ combines a treatment-expense capital with a monthly income for 10 years in case of death or permanent disability, applicable with or without fault.
- Glass damage repaired at Carglass or Caetano Glass partner workshops waives the €50 deductible and offers an immediate, free mobile repair service.
- Kilometre-based discount campaign can reduce renewal premiums based on verified low annual mileage for claim-free policyholders.
Coverage limits
Bodily injury liability
€6,450,000
Legally required minimum indemnity limit for bodily injury caused to third parties, common to all Lusitania motor solutions (Auto Simples, Auto Extra, Auto TOP).
Property damage liability
€1,300,000
Legally required minimum indemnity limit for material damage caused to third parties under Decree-Law 291/2007, applicable since 1 June 2017.
Legal protection
Covered
Provides legal assistance to insured persons in the event of a traffic accident with the insured vehicle, valid within the territorial scope of the compulsory motor liability insurance (Green Card countries); no specific capital amount is stated in available sources.
Green Card (International Motor Insurance Certificate)
Covered
Standardised document proving the existence of valid motor liability insurance, accepted as proof of cover while valid; abroad, local Green Card Bureau offices handle claims for accidents occurring in adherent countries.
Travel assistance / roadside assistance
Covered
24-hour, 7-day-a-week vehicle, people and luggage assistance service from km zero, including towing, breakdown assistance, medical/hospital support and repatriation of people and vehicles; this cover carries no deductible and can be activated regardless of distance from home.
Driver Protection Extra+
Optional
Optional cover paying indemnities for death, permanent disability and treatment expenses of the insured driver following a traffic accident, offered in three capital combinations plus a monthly income for 10 years in case of death or permanent disability, with or without fault; specific capital amounts are set in the particular conditions and not disclosed in available sources.
Passenger accident cover
—
Pays indemnities for death, permanent disability and treatment expenses to insured occupants of the vehicle involved in a traffic accident, according to the contracted modality and limits set out in the particular conditions; amounts are not disclosed in available sources.
Key conditions
Territorial scope
The compulsory liability insurance and its Legal Protection guarantee are valid for accidents occurring within the territorial scope of the compulsory motor liability insurance, i.e. in all countries for which the Green Card is valid.
Green card rules
The Green Card is the standardised international certificate proving valid motor liability insurance; if an accident occurs abroad in a Green Card adherent country, the claim can be filed with the local Green Card Bureau office listed on the back of the Green Card document.
Driver restrictions
Any person legally licensed to drive is permitted to drive the insured vehicle under the policy.
Claim notification deadline
Claims are reported via the Friendly Accident Statement (DAAA) or the e-SEGURNET electronic application; for claims involving cargo/goods damage or loss-of-use compensation, Decree-Law 291/2007 sets a settlement deadline of 60 days under the relevant provisions.
Bonus-malus rules
An optional Bonus Guarantee cover can be contracted to prevent premium increases following a claim notification; separately, the annual mileage-based discount campaign requires no claims to have occurred in the annuity (or the last two annuities) to qualify.
Where to buy
Documents
General Policy Conditions lookup tool
Other document
Policy specifics
Replacement vehicle
Coverage providing replacement vehicle in case of accident or breakdown, with specific daily limits per annum
SourceDriver Protection Extra+
Coverage for death, permanent disability and treatment expenses for the insured driver in case of traffic accident
SourceMarket Variation coverage
Additional compensation coverage for total loss, providing extra payment based on market devaluation
SourcePet protection coverage
Coverage for treatment expenses of pets (dogs or cats) transported in the vehicle in case of accident
SourceKilometre-based discount campaign
Annual mileage-based discount program where discounts are calculated based on kilometres driven
SourceRecommended repair network
Network of approved repair workshops offering deductible reduction for own damage claims
SourceDeprivation of use period
Coverage covering loss of use of the vehicle starting from the third day after repair begins (or from date of loss/disappearance in total loss/theft cases) until the vehicle is repaired, located, or total loss is communicated.
SourceDirect settlement convention
Agreement allowing direct payment to insured for third-party liability claims when complying with specific procedures
SourcePrivate use restriction
Product limited to private use vehicles, excluding professional or commercial use categories
SourceBonus guarantee
Optional coverage protecting against premium increase following claim notification
SourceLegal protection
Coverage providing legal assistance and support for traffic accident related claims and disputes
Source