Extracted from source documents

MAPFRE Motor third-party liability (Mapfre Auto Mtpl)

Underwritten by MAPFRE - Seguros Gerais, S.A. · Portugal

motor third-party liability insurance from MAPFRE for the Portugal market, with online purchase and 24/7 assistance.

Verified Aug 26, 2026 · Terms dated 2026-01-20Sources

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Key facts

MAPFRE

Unique selling points

Independently recognised for consistently faster claims settlement times, according to the Portuguese insurance regulator (Instituto de Seguros de Portugal).

Covers windscreen/glass breakage even when it is not an isolated break, regardless of which other coverages were contracted - broader than typical market practice.

Extends optional liability cover to material damage caused to vehicles owned by direct family members, which the law otherwise excludes from mandatory MTPL.

Optionally extends third-party liability to cover the policyholder riding bicycles on public roads, a cover competitors typically sell as a separate policy.

Includes cover for damage to clothing and footwear resulting from a covered accident, not typically offered by conventional motor policies.

Coverage limits

Liability limit (covers injury + property damage)

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

€6.5M

Covered

Legal protection (Proteção Jurídica)

€6K

Included in all modalities of MAPFRE AUTO. Covers legal defence and claim costs related to a road accident with the insured vehicle, with free choice of lawyer, up to €6,000 per year and €3,000 per claim, with sub-limits of €1,500 for lawyer/solicitor fees, €1,500 for court costs, €1,250 for expert reports and €1,250/€3,000 for criminal bail.

Clause Art. 10.ºPage 91

Section: PARTE III > PROTEÇÃO JURÍDICA > ARTIGO 10.º

Limite máximo de pagamento por anuidade. .............................. 6.000 € Limites de pagamento em consequência de acidente de viação ou infração às regras de trânsito por via daquele: Limite máximo por sinistro .............................................................. 3.000 €

Covered

Green Card / international insurance certificate

Covered

Coverage automatically extends, at no extra cost, to all Green Card agreement countries. Where a physical international certificate (Green Card) is required for other countries, MAPFRE issues it free of charge within 5 business days upon request.

Clause Art. 21.ºPage 19

Section: PARTE I > CAPÍTULO V > ARTIGO 21.º – PROVA DO SEGURO

o tomador do seguro tem o direito de solicitar a emissão do certificado internacional de seguro, que será emitido em 5 (cinco) dias úteis e sem encargos adicionais.

Covered

Travel/roadside assistance

Covered

Included in all modalities. Covers towing/transport after breakdown or accident and vehicle recovery/extraction (combined limit of 3 claims per vehicle per year), plus medical transport/repatriation and related services for insured persons, valid in Portugal, Europe and Mediterranean-bordering countries for the vehicle, and worldwide for persons (up to 60 consecutive days abroad).

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Section: Que riscos são segurados? > Coberturas incluídas em todas as modalidades

Assistência em Viagem (limites conforme garantias acionadas. O reboque/transporte por avaria ou acidente e a remoção/extração do veículo têm um limite conjunto de 3 sinistros por veículo e anuidade)

Covered

Driver/policyholder personal accident

€5K – €50K

Included in all modalities. Pays a capital of €5,000 to €50,000 (as contracted) for death or permanent disability of the driver/policyholder from a traffic accident, plus medical/hospital expenses (€500-€5,000), a daily hospitalisation allowance (€5-€50/day, up to 360 days), vehicle adaptation expenses (up to €2,500) and home adaptation expenses (up to €15,000) for disability ≥65%, and clothing/footwear damage (up to €1,000).

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Section: Que riscos são segurados? > Coberturas incluídas em todas as modalidades

Acidentes do Condutor/Segurado: Morte ou Invalidez Permanente Parcial ou Absoluta (limite de 5.000€ a 50.000€, conforme contratado) Despesas Médicas, Hospitalares, Medicamentosas, de Diagnóstico e de Transporte (limite de 500€ a 5.000€, conforme contratado) Subsídio Diário por Internamento Hospitalar (limite de 5€ a 50€, conforme contratado, com máximo de 360 dias) Despesas de Adaptação do Veículo (limite 2.500€) e da Habitação (limite 15.000€)

Optional

Occupants (excluding driver) personal accident

€10K – €50K

Optional in all modalities. Pays a capital of €10,000 to €50,000 (as contracted) for death or permanent disability of vehicle occupants other than the driver, plus medical/hospital expenses (€1,000-€5,000) and clothing/footwear damage (up to €1,000).

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Section: Que riscos são segurados? > Coberturas opcionais em todas as modalidades

Acidentes dos Ocupantes Sem Condutor Morte ou Invalidez Permanente Parcial ou Absoluta (limite de 10.000€ a 50.000€, conforme contratado) Despesas Médicas, Hospitalares, Medicamentosas, de Diagnóstico e de Transporte (limite de 1000€ a 5.000€, conforme contratado) Danos na Roupa e Calçado (limite 1.000€)

Key conditions

Driver restrictions

Any driver who is legally licensed and authorised by the policyholder, owner or usufructuary may drive the insured vehicle under the mandatory cover. MAPFRE retains a right of recourse against unlicensed drivers, drivers over the legal alcohol/drug limits, or those who caused the accident intentionally, fled the scene, or committed theft/joyriding of the vehicle.

Claim notification deadline

The policyholder or insured must notify MAPFRE in writing of a claim within a maximum of 8 days from the date of the occurrence or from becoming aware of it.

Bonus-malus rules

Premiums follow a 32-level bonus/malus scale: claim-free years progressively reduce the premium down to a minimum of 43.68% of the tariff premium (RC Obrigatória) at level 1, while at-fault claims in a year move the policy up the scale, up to a maximum surcharge of 224.25% at level 32. Only claims that resulted in an indemnity payment, or an accepted reserve, count for this purpose.

Territorial scope

Coverage extends to all countries whose national insurance bureaux have adhered to the Green Card multilateral agreement (EU/EEA member states, Switzerland, Andorra and others), plus certificated cover in other Green Card system countries.

Documents

General, Special and Particular Conditions - Motor Insurance (opens in a new tab)

Terms & conditions · PDF

Insurance Product Information Document - MAPFRE Auto (opens in a new tab)

Product information sheet · PDF

MAPFRE Auto product page (opens in a new tab)

Policy specifics

Third-party liability coverage (mandatory)

Mandatory coverage for bodily injury and material damage caused to third parties by accidents with the insured vehicle

SourcePage 1

Section: Qual é o tipo de seguro?

Seguro de Automóvel que garante a responsabilidade civil por danos corporais e materiais causados a terceiros por acidentes ocorridos com o veículo seguro.

Optional own damage coverage

Optional coverage for damage to the insured vehicle, including collision, fire, theft, and catastrophic risks

Source

Section: Coberturas > Choque, Colisão ou Capotamento

Garante, nos limites e condições da apólice, os danos sofridos pelo veículo seguro em consequência de choque, colisão ou capotamento.

Travel assistance

Assistance service valid in Portugal, Europe, and Mediterranean countries

Source

Section: Coberturas > Assistência em Viagem

Garante, nos limites e condições da apólice, a prestação dos serviços e o pagamento de indemnizações em consequência de uma situação prevista na respetiva Condição Especial e ocorrida no decurso de uma viagem ou deslocação.

Legal protection coverage

Coverage for legal expenses and protection in legal disputes

Source

Section: Vantagens > Seguro Mapfre Auto

Inclui a cobertura de Proteção Jurídica e Assistência em Viagem (sem limite de número de assistências).

Personal accident coverage

Optional coverage for personal accident protection of driver and occupants

Source

Section: Vantagens > Seguro Mapfre Auto

Um seguro de acidentes pessoais que lhe oferece três modalidades à sua escolha:

Replacement vehicle option

Vehicle rental coverage in case of total or partial loss, up to 30 days

Source

Section: Vantagens > Seguro Mapfre Auto

Opção Veículo de Substituição : em caso de perda total ou parcial do seu automóvel, a Mapfre garante o aluguer de uma viatura até 30 dias ;

Vehicle eligibility

Product available only for light vehicles, mixed-use vehicles, pickup trucks up to 3,500 kg

SourcePage 1

Section: Qual é o tipo de seguro?

Este produto está disponível somente para veículos ligeiros, mistos, caminhetas e pick-ups até 3.500kg.

Claims notification period

Policyholder must notify MAPFRE of claims within maximum 8 days of occurrence

SourcePage 1

Section: Quais são as minhas obrigações?

Em caso de sinistro, participar à MAPFRE, no prazo máximo de 8 dias a contar do momento em que o conheça, tomar as medidas possíveis para evitar ou limitar as suas consequências e colaborar com a MAPFRE no apuramento das suas causas.

Premium payment terms

Annual payment or flexible fractional payment options (semi-annual, quarterly, monthly)

SourcePage 1

Section: Quando e como devo pagar?