VICTORIA – Seguros, S.A. (with affiliate VICTORIA – Seguros de Vida, S.A.)
VICTORIA
VICTORIA is a motor third-party liability insurance for the Portugal market with no online purchase and 24/7 assistance.
Direct payment
VICTORIA can settle claims by paying repairers directly, deducting any applicable deductible at the time of indemnity payment even when payment is made directly to the repair entity; toward third parties VICTORIA is liable in full regardless of any deductible agreed with the policyholder, and glass-breakage claims are routed through the Convened Network (Rede Convencionada), which performs the repair or replacement directly.
Geographic scope
Mandatory RC applies across the EU/EEA and associated territories; optional (facultative) coverages are limited to mainland Portugal, Madeira, the Azores and the remaining EU member states unless otherwise agreed.
Covers accidents occurring in all EU member states, other EEA states (Iceland, Liechtenstein, Norway), Switzerland, Croatia, Faroe Islands, Channel Islands, Gibraltar, Isle of Man, San Marino, Vatican City and Andorra; coverage in other countries requires a valid international insurance certificate (Green Card).
Unique selling points
- Optional RC Extra tier raises the third-party liability capital to €50,000,000, far above the statutory €7,750,000 minimum.
- No contractual deductible applies when a glass replacement is carried out at a workshop in the Convened Network (Rede Convencionada).
- Certain claim-related services, including urgent claim reporting, are available every day, 24 hours a day, according to VICTORIA's claims service page.
- A modular RC/DP structure (RC Base, RC Extra, DP Base, DP Extra) lets policyholders tailor liability and own-damage coverage levels within a single product.
Coverage limits
Bodily injury liability (compulsory third-party liability)
€6,450,000 – €50,000,000
Only in RC Base, RC Extra
Under the statutory RC Base tier, the mandatory minimum capital for bodily injury is €6,450,000 per accident (per the IPID), forming part of the combined €7,750,000 RC Base capital shown in the coverage table (the remaining €1,300,000 corresponds to property damage). The optional RC Extra tier raises the combined liability capital to €50,000,000; neither the coverage table nor the IPID discloses a separate bodily-injury/property-damage split for this higher tier.
Property damage liability (compulsory third-party liability)
€1,300,000 – €50,000,000
Only in RC Base, RC Extra
Under the statutory RC Base tier, the mandatory minimum capital for property damage is €1,300,000 per accident (per the IPID), forming part of the combined €7,750,000 RC Base capital. The optional RC Extra tier raises the combined liability capital to €50,000,000; no separate property-damage sub-limit is disclosed for this higher tier.
Legal protection
Optional
Legal protection is listed among VICTORIA Auto's facultative (optional) coverages in the IPID. The General Conditions treat Special Conditions - which govern coverages beyond the base contract - as needing to be specifically identified in the Particular Conditions, meaning this cover must be actively selected; no monetary limit is disclosed in the reviewed documents.
Green Card (international insurance certificate)
Covered
The contract can cover circulation in territories beyond those automatically included, provided a valid international insurance certificate (Green Card) is held; the certificate is also required documentation when the vehicle is sold and must be returned to VICTORIA within 24 hours of alienation.
Travel assistance / roadside assistance
Optional
Only in Ligeiros-Plus, Ligeiros-Top, Pesados, Motociclos
Assistência em Viagem is listed as a facultative coverage in the IPID and, per Clause 50 of the General Conditions, its actual terms are set out in separate Special Conditions that must be specifically contracted. The coverage table offers Ligeiros-Plus, Ligeiros-Top, Pesados and Motociclos variants, some of which are a mandatory choice once the guarantee itself is selected; no monetary limits are disclosed in the reviewed documents.
Driver-only personal accident protection
€5,000 – €15,000
Only in RC Base, RC Extra
Optional cover for the driver only, available under the RC Base and RC Extra modules, offering two tiers: €5,000 death/permanent disability (MIP) with €500 treatment expenses (DT) and €2,500 funeral expenses (DF), or €15,000 MIP with €1,500 DT and €2,500 DF.
All-occupants personal accident protection
€5,000 – €50,000
Only in RC Base, RC Extra, DP Base, DP Extra
Optional cover for all vehicle occupants, spanning four tiers depending on the module contracted: €5,000 MIP/€500 DT/€2,500 DF (RC Base and RC Extra); €15,000 MIP/€1,500 DT/€2,500 DF (RC Extra, DP Base and DP Extra); €25,000 MIP/€2,500 DT/€2,500 DF (DP Base and DP Extra); €50,000 MIP/€5,000 DT/€2,500 DF (DP Extra only). For occupants under 14 or over 70, the death benefit is limited to funeral expenses.
Key conditions
Territorial scope
Mandatory RC covers accidents in all EU member states, the other EEA states (Iceland, Liechtenstein, Norway), Switzerland, Croatia, Faroe Islands, Channel Islands, Gibraltar, Isle of Man, San Marino, Vatican City and Andorra, plus any other country whose national insurance bureau has adhered to the inter-bureau agreement; facultative coverages are limited to mainland Portugal, Madeira, the Azores and the remaining EU member states unless otherwise agreed.
Green card rules
Circulation in territories beyond those automatically covered requires a valid international insurance certificate (Green Card); upon sale of the vehicle, the policyholder must return the Green Card, provisional certificate, RC certificate or payment notice to VICTORIA within 24 hours of the sale.
Driver restrictions
Accidents occurring while the vehicle is driven by a person not legally licensed to drive are excluded from both the compulsory and facultative coverages; bodily injury suffered by the driver responsible for the accident, and material damage to that driver or the policyholder, are also excluded from the compulsory guarantee.
Claim notification deadline
The policyholder or insured must notify VICTORIA in writing of any claim as soon as possible, and never later than 8 days from the date of occurrence or from becoming aware of it, providing all relevant documentary and/or testimonial evidence.
Bonus-malus rules
Premium bonuses for claim-free years and malus surcharges for claims are applied under a 17-class bonus/malus scale (Annex I), ranging from a 50% bonus (Class 1) down to a 300% malus surcharge (Class 17); only claims that resulted in an indemnity payment or a reserve assumed by VICTORIA count for this purpose, and a reserve-based bonus suspension can last up to two years before reinstatement.
Policy specifics
Isolated glass breakage
Optional coverage for broken windows, windscreen, and other vehicle glass, available with preferred repair providers
SourceSource no longer reachableOccupant protection
Optional coverage for personal accident insurance for vehicle occupants, with driver-only or all-occupants variants
SourceSource no longer reachableTravel assistance
24-hour roadside assistance and travel support services while driving, including abroad
SourceSource no longer reachableLegal protection
Optional legal assistance coverage for disputes and claims management
SourceSource no longer reachableRecommended repair workshop network
Policyholders using Victoria-recommended workshops receive courtesy vehicle and service discounts
SourceSource no longer reachableFriendly accident declaration procedure
Policyholders must complete friendly accident declaration (DAAA) when accident involves other vehicles
SourceSource no longer reachable24/7 emergency claims hotline
Emergency claims and roadside assistance available 24 hours a day, 7 days a week
SourceSource no longer reachableModular coverage structure
VICTORIA Auto is structured in modular components allowing flexible selection: RC Base, RC Extra, DP Base, DP Extra (light vehicles) or single modules for heavy vehicles
SourceSource no longer reachable24/7 emergency claims service
VICTORIA's claims service pages state that certain claim-related services (including urgent reporting) are available every day, 24 hours a day, in addition to the general customer service line (213 134 100) available on business days from 08:30 to 19:00.
SourceSource no longer reachable