Premium adjustment system based on claims history - reductions for claim-free years, increases for claims with losses

Zurich Insurance Europe AG, Branch in Portugal Motor third-party liability in Portugal

Unique selling points

Zero-deductible car rental (caução zero) at Zurich's partner rent-a-car network when using the travel-assistance service.

Complimentary taxi service from the rent-a-car drop-off point to the repair garage whenever a replacement vehicle rental exceeds 3 days.

Two free car washes per year plus a courtesy vehicle during scheduled manufacturer servicing (Zurich Revisão).

Up to 60 days of replacement vehicle cover per policy year in case of theft, robbery or attempted theft of the insured vehicle.

Dedicated electric-vehicle provisions treating battery depletion as a breakdown, with towing to the nearest charging point and derogation of standard electrical-system exclusions for EV drivetrain components.

Coverage limits

Liability limit (covers injury + property damage)

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

€6.5M

Optional · Condição Especial 021 - Defesa e proteção jurídica

Legal defence and legal protection

€250 – €6.5K

Optional cover (Special Condition 021) providing criminal/civil defence, damages claims against responsible third parties, defective-repair claims, bail advances and advances on court-awarded compensation in connection with traffic accidents involving the insured vehicle in Portugal. Sub-limits range from €250 (road-traffic contraordenações) up to €6,500 (advances on court-awarded compensation per year); defence/reclamation abroad is covered separately under the travel-assistance guarantee.

Clause Condição Especial 021Page 153

Section: Coberturas facultativas > 034. Defesa e proteção jurídica > 034.12 Garantias e limites de indemnização

6. Contraordenações ao código da estrada 250 € ... 4. Adiantamento de indemnizações fixadas judicialmente Por anuidade 6.500 €

Covered

Green Card / International Motor Insurance Certificate

Covered

Zurich issues the International Motor Insurance Certificate (Green Card) as proof of the compulsory cover; where only a provisional certificate is issued automatically, the policyholder can request the Green Card, which is issued within 5 business days at no extra charge and extends the territorial cover to countries under the Agreement between national insurers' bureaux.

Clause Cláusula 21.ªPage 14

Section: Capítulo V Prova do seguro > Cláusula 21.ª Prova do seguro

o Tomador do Seguro tem o direito de solicitar a emissão do certificado internacional de seguro, que será emitido em 5 dias úteis e sem encargos adicionais.

Optional · 045 Base, 017 Completa, 034 Master, 035 Coleção, 019 Aluguer

Roadside / travel assistance

€500 – €10K

Optional travel-assistance cover (Special Condition 029 family) sold in five modalities - Base (045), Completa (017), Master (034), Coleção (035) and Aluguer/rent-a-car (019) - covering towing/breakdown recovery, vehicle transport or repatriation, replacement driver and courtesy services. Vehicle transport/repatriation limits range from €500 (Base) up to €10,000 (Master); territorial scope, sub-limits and included services vary by modality and are detailed in the tariff tables of the General Conditions.

Clause Condição Especial 017/045/034/035/019Page 101

Section: Coberturas facultativas > 029. Assistência em viagem > Quadro 2 - Garantia de Assistência ao Veículo Seguro e seus Ocupantes

1.3 Transporte ou Repatriamento do Veículo e Despesas de Recolha em consequência de Avaria, Acidente, Furto ou Roubo Transporte ou repatriamento 500,00 € 2.500,00 € 10.000,00 € 5.000,00 € 5.000,00 €

Optional · Condição Especial 028 - Ocupante da viatura exclusivo condutor

Driver personal accident cover

Optional

The compulsory liability guarantee explicitly excludes bodily injury suffered by the driver responsible for the accident. Zurich offers this exclusively as an optional cover (Special Condition 028 - 'Ocupante da viatura exclusivo condutor') paying death, permanent disability, medical/repatriation expenses and, optionally, temporary disability or funeral expenses to the driver; capital amounts are fixed in the Particular Conditions.

Page 83

Section: Coberturas facultativas > 028. Ocupante da viatura exclusivo condutor

Fica expressamente convencionado que nos termos, condições e exclusões desta Condição Especial, a presente apólice garante o pagamento das indemnizações fixadas nas Condições Particulares, em consequência de acidente acontecido à Pessoa Segura

Optional · Condição Especial 015 - Ocupantes da viatura

Passenger/occupant personal accident cover

Optional

Optional cover (Special Condition 015 - 'Ocupantes da viatura') paying death, permanent disability, medical/repatriation expenses and optional add-ons (temporary disability, funeral expenses, or loss/damage of luggage and clothing) to the driver and all gratuitously-transported occupants of the insured vehicle, up to the vehicle's authorised seating capacity; capital amounts are fixed in the Particular Conditions.

Clause Condição Especial 015Page 71

Section: Coberturas facultativas > 027. Ocupantes da viatura [Condição Especial 015]

Fica expressamente convencionado que nos termos, condições e exclusões desta Condição Especial, a presente apólice garante o pagamento das indemnizações fixadas nas Condições Particulares, em consequência de acidente acontecido às Pessoas Seguras

Key conditions

Driver restrictions

Cover generally excludes claims where the vehicle is driven by a person not legally licensed to drive, by a driver refusing alcohol/drug testing or fleeing the scene, or by a driver under the influence of alcohol, drugs or other intoxicating substances, subject to the specific derogation for supervised learner-driving (Special Condition 047) where legal requirements are met.

Claim notification deadline

Claims must be reported in writing to Zurich as soon as possible and never later than 8 days from the date of the event or from the date the policyholder/insured became aware of it, under penalty of liability for aggravated damages.

Bonus-malus rules

Premiums for liability and own-damage related covers are adjusted annually under Zurich's bonus/malus scale according to claims history; new contracts start at level 0 unless prior claims history is evidenced via the tarification certificate or the National Registry of Number Plates, and bonus accrual may be suspended for up to two years while a claim reserve remains open.

Territorial scope

Compulsory liability plus optional liability cover the EU/EEA member states, Switzerland, Croatia, Faroe Islands, Channel Islands, Gibraltar, Isle of Man, San Marino, Vatican City and Andorra, and any other state whose national insurers' bureau adheres to the Agreement between national insurers' bureaux.

Documents

Zurich Auto - General Conditions (January 2023) (opens in a new tab)

Terms & conditions · PDF

Zurich Auto Ligeiros e Comerciais - Insurance Product Information Document (opens in a new tab)

Product information sheet · PDF

Policy specifics

Capital extension for third-party liability

Optional extension of compulsory third-party liability coverage up to 50 million euros

Source

Section: Coberturas > Responsabilidade civil

Para quem pretende uma proteção superior à obrigatória, disponibilizamos uma extensão de capital até 50 milhões de euros.

Family member liability extension

Optional extension of third-party liability coverage to damages caused to family members or partners

Source

Section: Coberturas > Responsabilidade civil

Estenda a cobertura de responsabilidade civil a danos causados aos seus familiares ou sócios.

Legal support in litigation

Coverage providing legal support in criminal or civil proceedings arising from traffic accidents and third-party claims

Source

Section: Coberturas > Proteção Assistência em Viagem / Defesa e proteção jurídica

Oferecemos apoio em processos penais ou cíveis decorrentes de acidentes de viação, reclamações de terceiros, contraordenações ou adiantamento de cauções.

Electric vehicle specific provisions

For electric/hybrid vehicles, full battery discharge preventing the vehicle from moving under its own power is treated as a breakdown ('avaria'), with towing to the nearest charging point; the general exclusion for electrical installation damage is expressly derogated for electrical components of the EV drivetrain under several own-damage covers.

SourcePage 94

Section: Coberturas facultativas > 029. Assistência em viagem > Definições

Relativamente aos veículos elétricos, considera-se igualmente avaria a descarga total das baterias, de modo a impedir a circulação pelos seus próprios meios.

Compulsory minimum coverage limits

Statutory minimum liability coverage as required by Portuguese law (minimum of €6,450,000 for bodily injury and €1,300,000 for material damages as of June 1, 2022)

Source

Recourse rights against policyholder

Zurich reserves the right to pursue recovery against the policyholder or legitimate holder in specific circumstances (e.g., unauthorized driving, violation of safety requirements)

SourceClause Cláusula 31.ªPage 17

Section: Capítulo VII Obrigações e direitos das partes > Cláusula 31.ª Direito de regresso da Zurich

Satisfeita a indemnização, a Zurich apenas tem direito de regresso: a) Contra o causador do acidente que o tenha provocado dolosamente;

IDS Convention adherence

Zurich adheres to the IDS (Direct Compensation to Insured) convention and CIDS special condition for rapid settlement of material-damage-only accidents

Source

Section: Perguntas Frequentes

A Zurich é aderente da convenção IDS (Indemnização Direta ao Segurado), CIDS (Condição especial do protocolo IDS) e CRS (Convenção de Regularização de Sinistros).

Adherence to inter-insurer claims settlement codes/conventions

Zurich informs policyholders of its adherence to codes of conduct, conventions or agreements between insurers aimed at ensuring faster claims settlement procedures.

SourceClause Cláusula 30.ªPage 17

Section: Capítulo IX Disposições diversas > Cláusula 30.ª Códigos de conduta, convenções ou acordos

A Zurich, informa o Tomador do Seguro e o Segurado, da sua adesão a código de conduta, convenção ou acordo entre Seguradores destinado à regularização dos sinistros, nomeadamente que assegurem procedimentos mais céleres

Vehicle scope covered

The product name and scope cover both light passenger vehicles (ligeiros de passageiros) and light commercial vehicles (comerciais), generally up to 3,500 kg gross vehicle weight, as reflected throughout the assistance and own-damage tables.

Source

Section: Zurich Auto Ligeiros e Comerciais

Zurich Auto Ligeiros e Comerciais

Sources

Zurich Motor third-party liability

Get a quote from Zurich Compare Motor third-party liability insurers in Portugal

Zurich Motor third-party liability (Auto Ligeiros E Comerciais)

Unique selling points

Coverage limits

Key conditions

Documents

Policy specifics

Sources