Via Directa – Companhia de Seguros, S.A. (trading as ok! seguros)

Territorial scope

Mandatory RC and facultative RC cover the EU/EEA plus UK, Andorra, Gibraltar, Iceland, Norway, Switzerland and Serbia; damage-to-vehicle covers and driver/occupant protection follow the same scope as the mandatory RC; travel assistance to persons is worldwide (with some exceptions valid only outside Portugal), while vehicle/occupant roadside assistance covers Portugal, the rest of Europe and non-European Mediterranean-basin countries.

Green card rules

Proof of the mandatory MTPL contract is given by the international insurance certificate ('Carta Verde'), provisional certificate, payment notice, or civil liability certificate; for vehicles habitually parked outside the EEA, a frontier insurance certificate is also required. Policyholders paying premiums in instalments shorter than four months, whose insurer only issues provisional certificates, may request issuance of the international certificate free of charge within 5 business days.

Driver restrictions

Cover excludes the driver responsible for the accident from bodily-injury indemnity under mandatory RC, and material damage caused to the responsible driver, the policyholder, and closely related persons; facultative covers are further excluded when the driver lacks a valid licence for the vehicle category, drives under the influence of alcohol above the legal limit or drugs, refuses an alcohol/drug test, or flees the scene before police arrival.

Claim notification deadline

The policyholder or insured must notify the insurer in writing as soon as possible, and never later than 8 days from the date of the occurrence or the date they became aware of it, providing all relevant documentary/testimonial evidence.

Bonus-malus rules

Applies a bonus/malus (no-claims bonus/surcharge) table with 21 levels (9 to 21), where the premium percentage ranges from 300% (level 9, worst) down to 44% (level 21, best); the level for the following annuity depends on the number of claims (0, 1, 2, 3, or more than 3) recorded in the current annuity. Only claims resulting in an indemnity payment or a reserve for which the insurer has accepted liability towards third parties count for bonus/malus purposes; the table applies solely to the Civil Liability and Choque/Colisão/Capotamento covers.

Travel Assistance

Multiple tiered assistance packages (ok! 1, 2, 3) with towing, replacement vehicle, fuel assistance, tire change, and key lockout services

Isolated Glass Breakage

Coverage for breakage of windshield, rear window, panoramic/sunroof and side windows with limits of €1,000 or €2,500 depending on plan

Deprivation of Use

Daily indemnity payment of €25, €50, or €75 per day in case of forced deprivation of vehicle use due to collision, fire, theft, nature phenomena or vandalism

Repair Network Requirement

Repairs for fire, collision, glass, theft, vandalism and nature phenomena must be performed at insurer-designated workshops and may use reconditioned/aftermarket parts (IAM)

Habitual Driver Requirement

Policy requires identification and designation of a habitual driver in particular conditions who regularly operates the vehicle with usage greater than other drivers

Civil Liability Capital Limits

Mandatory civil liability limited to €6,450,000 per accident for bodily harm and €1,300,000 per accident for material damage; may be increased beyond legal minimum

Deductible Percentage Maximum

Available deductible options vary by capital insured but never exceed 30% of the insured capital value

Theft/Robbery Payment Procedure

If theft or robbery results in vehicle disappearance, insurer pays indemnity after 60 days from report to authorities if vehicle not recovered by then

Pre-Inspection Requirement

For vehicles not 0 km old, voluntary acceptance of fire, collision, glass, theft, vandalism, nature phenomena and replacement vehicle coverages requires prior vehicle survey to assess condition conformity

Assistance Service Pre-Approval

For travel assistance claims, payments are excluded if made without prior agreement from Assistance Service except in force majeure or demonstrated physical impossibility situations

Bonus/Malus Claims Counting

For bonus/malus application, only claims resulting in indemnity payment or claim reserve constitution count; constituted reserve requires insurer acceptance of liability to third parties

Total Loss Indemnity Calculation

In total loss scenario, insurer proposes indemnification and indicates a dealership where identical vehicle in roadworthy condition can be purchased at the indemnity amount