Zurich

territorial_scope

The mandatory civil liability coverage is valid across EU member states, EEA countries (Iceland, Liechtenstein, Norway), Switzerland, Croatia, Faroe Islands, Channel Islands, Gibraltar, Isle of Man, San Marino, Vatican City, Andorra, and other adherent countries. Extension to additional territories is possible via a valid Green Card. Optional own-damage and other voluntary coverages are generally limited to mainland Portugal and the Autonomous Regions of Madeira and the Azores, unless otherwise specified in the Special or Particular Conditions.

green_card_rules

The Green Card (international insurance certificate) evidences insurance coverage abroad. It is issued by Zurich and must be presented to prove insurance in countries outside Portugal. For vehicles habitually parked in Portugal, valid proof of insurance includes the Green Card, provisional certificate, payment receipt, or the civil liability certificate. For vehicles habitually parked outside the EEA, additionally the frontier insurance certificate is required. The insured must notify Zurich in writing within 24 hours of vehicle sale and return the Green Card.

driver_restrictions

Coverage applies to the policyholder, vehicle owner, usufructuary, acquirer with reservation of title or financial lessee, and all legitimate holders and drivers. Exclusions apply when the vehicle is driven by an unlicensed person, or by a person under the influence of alcohol, narcotics or drugs, or who abandons the scene. The Autoproteção (Condição Especial 005) coverage requires the driver to hold a valid driving licence for more than 5 years. Accompanied driving by a tutor is available as an optional extension (Condição Especial 047).

claim_notification_deadline

The policyholder or insured must notify Zurich of any covered claim in writing as soon as possible and no later than 8 days from the date of occurrence or the date they became aware of it, under penalty of liability for aggravated damages. Claim notification must be made using Zurich's own form, available on its website, or by any other recorded communication means.

bonus_malus_rules

Premiums for civil liability, collision/crash/fire/glass, fire/lightning/explosion, theft/robbery, self-protection, temporary deprivation of use, total loss, accompanied driving, and new vehicle value replacement coverages are adjusted annually according to the Bonus-Malus table based on claims experience. New contracts start at scale 0 unless prior claims history is evidenced by a Tarification Certificate or the National Registration Database. Bonus-Malus coefficients are applied to the net base commercial premium after all surcharges and discounts. The bonus regime is maintained if the insured vehicle is replaced by a vehicle of equivalent or lower category.

Replacement vehicle

Optional coverage providing a replacement light passenger or commercial vehicle during repairs

Glass and panoramic roof coverage

Optional coverage for repair or replacement of windscreens, side windows, and panoramic roofs with accessories

Bonus-Malus claims rating system

Premium adjustment system based on claims history - bonuses for claim-free periods and penalties for claims

Optional increased civil liability capital

Option to increase third-party liability coverage above the mandatory minimum

Contract duration and renewal terms

Contracts can be temporary (fixed term) or annual with automatic renewal if not cancelled with 30 days notice

Mandatory periodic vehicle inspection

Vehicles must have valid periodic inspection certificates to be eligible for coverage

Alternative dispute resolution mechanisms

Disputes can be escalated to CIMPAS (Centro de Informação, Mediação e Provedoria de Seguros), the insurance sector's alternative dispute resolution center