N Seguros, a brand of LUSITANIA, Companhia de Seguros, S.A.
N Seguros
N Seguros is a motor third-party liability insurance for the Portugal market with online purchase and limited assistance availability.
Direct payment
Not specified in the available official sources.
Geographic scope
Portugal (mainland and islands)
Mandatory liability coverage applies to accidents occurring in Portuguese territory and extends to countries covered by the Green Card system; optional coverages may have narrower territorial scope as defined in the General and Special Conditions.
Unique selling points
- Two optional liability capital tiers (€12,000,000 and €50,000,000) go well beyond the statutory minimum for extra peace of mind.
- The VIP travel assistance modality upgrades the base service with vehicle replacement in case of breakdown and telephone medical advice.
- Fully digital process: simulate, subscribe and receive all policy documentation by email without paperwork.
- New-vehicle replacement value guarantee pays the price of a brand-new car in case of total loss during the first two years.
Coverage limits
Bodily Injury Liability
€6,450,000 – €50,000,000
Only in N Auto Start, N Auto Top
Mandatory third-party liability cover includes a statutory bodily-injury sublimit of €6,450,000 (part of the combined €7,750,000 legal minimum capital, per accident). Two optional facultative capital tiers (€12,000,000 and €50,000,000, applied as combined limits for bodily injury and property damage) can be contracted for higher protection.
Property Damage Liability
€1,300,000 – €50,000,000
Only in N Auto Start, N Auto Top
Mandatory third-party liability cover includes a statutory property-damage sublimit of €1,300,000 (part of the combined €7,750,000 legal minimum capital, per accident). Optional facultative capitals of €12,000,000 or €50,000,000 apply as combined limits above the statutory sublimits.
Legal Defence
Covered
Only in BASE, VIP
Sold jointly with Travel Assistance as a single guarantee (BASE and VIP modalities). Provides the policyholder with judicial or extrajudicial representation of their interests following a traffic accident.
Green Card (International Motor Insurance Certificate)
Covered
Only in N Auto Start, N Auto Top
The International Motor Insurance Certificate (Green Card) is issued as proof that the vehicle is insured, valid in countries adhering to the Green Card system.
Travel Assistance (Roadside Assistance)
Covered
Included in both tiers with two service modalities, BASE and VIP. BASE covers towing (up to €150, max 3 occurrences/year), wheel replacement, vehicle transport/repatriation, accommodation expenses while awaiting repair, and occupant transport. VIP adds vehicle replacement in case of breakdown and telephone medical advice.
Driver Personal Accident (Death/Permanent Disability)
€10,000 – €50,000
Only in N Auto Start, N Auto Top
The mandatory Liability cover does not protect the driver of the insured vehicle; the driver can be covered under the optional 'Pessoas Transportadas' (occupants) guarantee, with death/permanent-disability capital available in modalities of €10,000/€1,000, €20,000/€2,000 or €50,000/€5,000 (capital/medical treatment expenses).
Passenger Accident (Death/Permanent Disability and Treatment Expenses)
€10,000 – €50,000
Only in N Auto Start, N Auto Top
Optional guarantee, available in both N Auto Start and N Auto Top, covering death or permanent disability of persons transported in the vehicle, plus medical/surgical/pharmaceutical/hospitalisation treatment expenses. Available in modalities of €10,000/€1,000, €20,000/€2,000 or €50,000/€5,000 (death-or-disability capital / treatment-expenses capital).
Key conditions
Territorial scope
Third-party liability insurance is compulsory under Decree-Law 291/2007 for all motor vehicles circulating in Portuguese territory and covers material and bodily damage caused to third parties, transported or not, up to the contracted limits.
Green card rules
The International Motor Insurance Certificate (Green Card) serves as proof that the vehicle's insurance is valid; it is one of the accepted proofs of coverage alongside the provisional certificate.
Driver restrictions
Underwriting requires information about the vehicle, the habitual driver, their age, number of years holding a driving licence, and claims history.
Claim notification deadline
To activate the Liability coverage, the claim must be reported through the form available in the client's online account area.
Bonus-malus rules
The pre-contractual information document for N Auto lists a dedicated 'Bonificações e Agravamentos' (bonus/surcharge) section, indicating premiums are adjusted based on claims history, though specific percentages are not disclosed on the public pages reviewed.
Policy specifics
New Vehicle Replacement Value
Optional coverage guaranteeing replacement at new vehicle price during specified period
SourceDeath and Permanent Disability
Covers death or permanent disability of persons in vehicle due to traffic accident
SourceMedical Treatment and Repatriation
Covers medical, surgical, pharmaceutical and hospitalization expenses following accident
SourceVandalism and Malicious Acts
Covers damage from vandalism or malicious acts including strikes and civil unrest
SourceCarency Period for Travel Assistance
72-hour carency period from contract start or registration inclusion before travel assistance coverage applies
SourcePolice Notification Requirement for Theft
To benefit from Theft coverage, incident must be reported to police and incident report obtained
SourceMandatory Third-Party Liability (Legal Obligation)
Compulsory coverage for all vehicles circulating in Portuguese territory. Guarantees material and bodily damages caused to third parties
SourceOptional Liability Capital Tiers
Two optional higher capital tiers available beyond statutory minimum for Third-Party Liability coverage
SourceWar and Military Actions Exclusion
Damages resulting from wars, revolutions or military coups are excluded from vandalism coverage
Source