Ocidental - Portuguese Life Insurance Company, S.A.
Móbis
Móbis is a motor third-party liability insurance for the Portugal market with online purchase and 24/7 assistance.
Direct payment
Premiums can be paid monthly, quarterly, half-yearly or annually by direct debit or bank transfer; failure to pay the initial premium automatically terminates the contract.
Geographic scope
Portugal (national)
Covers accidents occurring within the territories listed on the Green Card / International Insurance Certificate, including EU/EEA member states and other agreement countries; extension to other countries can be requested for an additional premium.
Unique selling points
- Premium is tailored to the driver's profile with a no-claims discount of up to 50% for drivers with 9 or more claim-free years.
- 24-hour travel assistance for people and vehicle starting from the door of the policyholder's home (km zero).
- Choosing the Recommended Repair Shop Network guarantees the premium will not increase after the first at-fault collision claim.
- Real-time GPS tracking lets customers follow the tow truck's route during roadside assistance.
- Three flexible protection levels (Mini, Extra, Top) allow coverage to be scaled from mandatory liability up to comprehensive protection.
Coverage limits
Bodily Injury Liability
€6,450,000
Mandatory civil liability coverage for bodily injury caused to third parties; the indicated capital corresponds to the Insurer's maximum liability and incorporates the legally required minimum capitals, which can be voluntarily extended (e.g. up to EUR 50 million).
Property Damage Liability
€1,300,000
Mandatory civil liability coverage for material damage caused to third parties, forming part of the total mandatory minimum capital together with bodily injury liability.
Legal Protection
Covered
No limit stated
Legal protection and assistance coverage included in the Mini, Extra and Top options; the specific insured capital is agreed between the parties and set out in the Particular Conditions.
Green Card / International Insurance Certificate
Covered
No limit stated
The compulsory civil liability insurance is evidenced by the International Insurance Certificate (Green Card), which sets out the territorial scope of the obligatory guarantee across listed countries.
Travel/Roadside Assistance
Covered
24-hour roadside and travel assistance for people and vehicle from the door of the residence (km zero), available in Base or Total options across all Móbis protection levels; replacement vehicle benefit is capped at a maximum of 30 days per year for accidents and 10 days per year (5 per claim) for breakdowns.
Driver Personal Accident
Conditional
No limit stated
Only in Móbis Extra, Móbis Top
Personal injury cover for the driver (death, permanent invalidity, treatment expenses) is included as part of the Occupant Coverage in the Móbis Extra and Top options; the exact insured capital is agreed between the parties and set out in the Particular Conditions.
Passenger/Occupant Accident Coverage
Conditional
No limit stated
Only in Móbis Extra, Móbis Top
Personal accident coverage for vehicle occupants included in the Móbis Extra and Top options; the exact insured capital is agreed between the parties and set out in the Particular Conditions.
Key conditions
Territorial scope
The compulsory civil liability guarantee applies within the territories indicated on the Green Card / International Insurance Certificate, generally covering EU/EEA member states and other agreement countries; extension to non-listed countries can be requested with an additional premium for the duration of travel.
Green card rules
Proof of the compulsory motor liability insurance for Portuguese-registered vehicles is given by the Green Card, the provisional certificate, the civil liability certificate or the payment notice, while valid.
Driver restrictions
The policyholder must accurately declare, before contracting, all circumstances known to them that are relevant to risk assessment; specific numeric age or driving-experience restrictions for drivers are not detailed in the reviewed sources.
Claim notification deadline
Claims must be reported on the same day or the day after the occurrence; if this is not possible, notification must be made within a maximum of 8 days after the accident.
Bonus-malus rules
The policy applies a no-claims bonus/malus system affecting the Civil Liability and Collision/Crash/Rollover coverages; drivers with 9 or more years without at-fault claims can obtain a discount of up to 50% on the premium.
Policy specifics
Replacement Vehicle Coverage
Coverage providing a replacement vehicle in case of accident or breakdown
SourceSource no longer reachableIsolated Glass Breakage
Coverage for isolated windshield or window glass breakage
SourceSource no longer reachableRecommended Repair Shop Network
Option to choose collision/crash/rollover coverage with network of approved repair shops
SourceSource no longer reachableTravel Assistance
24/7 roadside assistance for person and vehicle from home (km zero)
SourceSource no longer reachableDirect Indemnification System (IDS)
Direct settlement to policyholder when at-fault party's damage statement is completed
Source