Extracted from source documents

Móbis Motor third-party liability (Mobis Mtpl)

Underwritten by Ocidental - Companhia Portuguesa de Seguros, S.A. (Ageas Portugal) · Portugal

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

Verified Aug 26, 2026 · Terms dated 2023-07Sources

Online purchase24/7 helpline

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

Liability limit (covers injury + property damage)

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

Móbis MiniMóbis ExtraMóbis Top
Covered

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.

Source no longer reachable
Covered

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.

Clause Cláusula 22.ªPage 15

Section: Capítulo V - Prova do Seguro > Cláusula 22.ª – Prova do Seguro

Constitui documento comprovativo do presente contrato de seguro: a) relativamente a veículos com estacionamento habitual em Portugal, o certificado internacional de seguro (“carta verde”), o certificado provisório, o aviso-recibo, ou o certificado de responsabilidade civil, quando válidos; […] desde que seja garantida por um certificado internacional de seguro (“carta verde”) válido para a circulação nesses países.

Covered

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.

Page 1

Section: VANTAGENS

ASSISTÊNCIA EM VIAGEM A PESSOAS E VEÍCULO, 24H/DIA E DESDE A PORTA DA SUA RESIDÊNCIA (KM ZERO), DISPONÍVEL EM 2 OPÇÕES (OPÇÃO BASE E OPÇÃO TOTAL) PARA ESCOLHER A QUE MELHOR SE ADAPTA A SI.

Conditional

Driver Personal Accident

Conditional

No limit stated

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.

Source no longer reachable
Conditional

Passenger/Occupant Accident Coverage

Conditional

No limit stated

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.

Source no longer reachable

Key conditions

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.

Territorial scope

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.

Documents

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

Product information sheet · PDF

General and Special Policy Conditions - Móbis Motor Insurance (opens in a new tab)

Terms & conditions · PDF

Product One-Pager - Móbis (opens in a new tab)

Table of benefits · PDF

Policy specifics

Replacement Vehicle Coverage

Coverage providing a replacement vehicle in case of accident or breakdown

SourcePage 1

Section: DESCRIÇÃO

VEÍCULO DE SUBSTITUIÇÃO EM CASO DE AVARIA OU ACIDENTE;

Isolated Glass Breakage

Coverage for isolated windshield or window glass breakage

SourcePage 1

Section: Que riscos são segurados? > Principais coberturas facultativas

Quebra isolada de vidros;

Theft and Robbery

Coverage for vehicle theft and robbery

SourcePage 1

Section: Que riscos são segurados? > Principais coberturas facultativas

Furto ou roubo;

Occupant Coverage

Personal injury coverage for vehicle occupants

SourcePage 1

Section: Que riscos são segurados? > Principais coberturas facultativas

Ocupantes da viatura;

Recommended Repair Shop Network

Option to choose collision/crash/rollover coverage with network of approved repair shops

SourcePage 1

Section: DESCRIÇÃO

CHOQUE, COLISÃO OU CAPOTAMENTO NA REDE DE OFICINAS RECOMENDADAS;

Travel Assistance

24/7 roadside assistance for person and vehicle from home (km zero)

SourcePage 1

Section: VANTAGENS

ASSISTÊNCIA EM VIAGEM A PESSOAS E VEÍCULO, 24H/DIA E DESDE A PORTA DA SUA RESIDÊNCIA (KM ZERO), DISPONÍVEL EM 2 OPÇÕES (OPÇÃO BASE E OPÇÃO TOTAL) PARA ESCOLHER A QUE MELHOR SE ADAPTA A SI.

Legal Protection

Coverage for legal representation and assistance

SourcePage 1

Section: Que riscos são segurados? > Principais coberturas facultativas

Proteção jurídica;

No-Claim Bonus

Premium discount for policyholders without claims

SourcePage 1

Section: VANTAGENS

DESCONTO NO PRÉMIO POR AUSÊNCIA DE SINISTRALIDADE.

Direct Indemnification System (IDS)

Direct settlement to policyholder when at-fault party's damage statement is completed

Source

Section: Móbis - Automóvel > Acidente

Se a DAAA (Declaração Amigável de Acidente Automóvel) estiver totalmente preenchida e assinada pelos 2 únicos intervenientes no acidente, então nesse caso, aplicamos a Convenção de Indemnização Direta ao Segurado (IDS), que permite agilizar o processo de resolução do acidente, com toda a comodidade para si.

Sources

Móbis Motor third-party liability

Get a quote from Móbis(opens in a new tab)Compare Motor third-party liability insurers in Portugal
Get a quote from Móbis(opens in a new tab)