Auto Insurance

Even in this basic option for private cars, Liberty Sobre Rodas includes Legal Protection, Travel Assistance and Passenger Cover (driver only or all passengers).

• You can take out liability insurance for €10 000 000 or €50 000 000, while also benefiting from additional covers:
• Liability while Driving Third-party Vehicles
• Liability while Towing a Trailer
• Cross-Liability Cover
• Load Liability Cover (available only for option with €50 000 000)
• Liability while Riding Bicycles or Mobility Scooters (available only for option with €50 000 000)

• Includes a replacement vehicle if you have a breakdown
• Towing charges (cars and motorcycles) in case of an accident or breakdown
• Running out of fuel or wrong fuel (cost of fuel not included)
• Tyre change following a puncture or blowout
• Tyre puncture or blowout
• Lost or stolen keys (or keys locked inside the vehicle)
• Payment of medical, surgical, pharmaceutical and hospital expenses, in case of accident or illness abroad

• Increased cover for towing charges (cars and motorcycles)
• In case of breakdown, the replacement vehicle will be similar to the insured vehicle and will be delivered to a location selected by the Insured Person (in Portugal)
• Taxi service (if you are over the alcohol limit)
• Increased cover for tyre puncture or blowout
• Travel Assistance (for travellers and baggage) extended to the whole world
• Taxi service home, in case of transport or repatriation of passengers

One of the most common mishaps that can occur and one that drivers can do very little to prevent. Protect yourself! Glass sunroofs are also included.

Because you need to keep moving, pick up a replacement vehicle if yours becomes unsuitable for use after an accident.

A replacement vehicle to minimise inconvenience while your car is being serviced (max. 2 days per contract year).

Being the victim of theft is a very unpleasant experience. Protect yourself with cover for the replacement of personal documents (up to €150 per claim), lock repair or replacement (up to €250 per claim) in case of a break-in at home, and reimbursement for fraudulent card use (up to €150 per card).

For drivers who want even better protection for their vehicles. Automatically extends your own damage cover to all European Union countries.

The owner or driver of a vehicle is civilly liable for the losses that the vehicle might cause to third parties. In the event of an accident, these liabilities may well be extensive, given the compensation that can be demanded from the owner and/or driver. This is why the law requires land-based motor vehicles and their trailers to be covered by Third-Party Liability Auto Insurance.

The mandatory insurance covers the compensation owed for any bodily injuries or material damage caused to third parties or to the passengers, but not the driver, in the insured vehicle itself, up to the maximum sum insured under the policy.

No. No insurance can cover all the risks. The term “all risks” is often incorrectly used to refer to the Own Damage cover.

Own Damage cover may be contracted as an addition to Third-Party Liability Insurance. It covers the losses incurred by the insured vehicle, even when the driver is responsible for the accident. Talk to your Insurance Agent or Broker about the various options that you can contract under this cover.

You may contract the covers listed below, subject to the rules established by the Insurer:

• Optional Third-Party Liability;
• Crash, Collision or Rollover;
• Fire, Lightning Strike, Explosion
• Theft or Robbery;
• Write-Off;
• Natural Phenomena;
• Malicious Acts;
• Value as New;
• Broken Glass;
• Replacement Vehicle;
• Protection Plus;
• Personal Protection;
• Occupants;
• Legal Protection;
• Roadside Assistance;
• Baggage. 

This is a system of no-claim bonuses (Bonus) or claim-related premium increases (Malus), incurred if the client is responsible for the accident. This system only applies to the following covers:

• Third-Party Liability (Mandatory and Optional); 
• Crash, Collision or Rollover; 
• Fire, Lightning Strike or Explosion;
• Acts of Vandalism

No. All you need to do is to present the Insurance Track Record Statement (Certificado de Tarifação, in Portuguese) to which you are legally entitled when you cancel your insurance contract.

If you terminate or decide not to renew your contract, the Insurer will issue an Insurance Track Record Statement covering your Third-Party Liability Auto insurance. This document details any claims made in the last 5 years and serves as proof of any no-claim bonuses or premium increases applied to the terminated policy.  

The deductible is the amount stipulated in the policy for which the Insured is liable, in the event of a claim. It is calculated on the basis of the Sum Insured and is applied to the optional covers.

The deductible will be deducted from any compensation owed for the incident, whether this involves the write-off or partial loss of the insured vehicle. The Insurer is responsible for payment of any amount above the deductible amount, up to the maximum sum insured under the contract. 

You should check your Green Card to see if your Third-Party Liability cover is valid for the whole time you are away and for all the countries you are going to visit. If it is not, get in touch with your Insurance Agent or Broker.

If your policy includes Own Damage cover, this cover will automatically be valid in all countries in the European Union. If you wish to extend this cover to include all the other countries on your green card, please get in touch with your Insurance Agent or Broker.

You should immediately inform your Insurer, in writing. Your insurance policy will expire at midnight on the day on which the vehicle is sold!

If you contract own damage cover, extras are taken to mean all equipment that was not factory-installed on the vehicle. The Policyholder or the Insured must list any such equipment and provide the relevant invoices for the same. 

This is not necessary, as the Insurer will automatically apply this depreciation when the contract is renewed.

If the vehicle is new, there is no need for an inspection. In all other situations, and depending on the rules established by your Insurer, an inspection must be carried out if you have contracted own damage insurance or third-party liability insurance that also includes broken glass cover. 

The duration is stipulated in the specific conditions and on the Green card. Normally, the contract will be for 1 year and automatically renewable for the same period of time. 

Your insurance is only valid if the premium (or part thereof) is paid before the deadline stipulated in the notice of payment. If the premium is not paid by this deadline, the contract will not come into effect.

If you do not pay the insurance premium by the stipulated deadline, the contract will immediately be cancelled. 

Your first priority must be your own safety and that of all others involved. Put your reflective vest on and make sure the scene of the accident has been clearly indicated, by placing a triangle about 30 metres away. If necessary, switch your hazard lights on. 

If anybody has been injured, call 112 and ask for medical assistance and for the police to attend, so they can register the incident. You should also ask for fire service assistance, if required.

Check the material damage and take photos of the scene of the accident, the vehicles involved and the damage caused.

Irrespective of whose fault the accident was, you must always fill out the Accident Statement form (Declaração Amigável de Acidente Automóvel, in Portuguese). Fill out the form with both drivers’ details and put a cross to indicate the type of accident. Both drivers must sign the form. Each driver should keep a copy of the form. If there were any witnesses to the accident, include their names and contacts.

If the drivers do not agree on how the accident occurred, each one should fill out their own Accident Statement form and deliver this to the Insurer of the other vehicle.

If one of the parties flees the scene, stay put and call the police so that they can write a report on the occurrence. 

The Incident should be reported to the Insurer within 8 days, using one of the following methods: 

• Through the customer web page
• Email: sinistros@libertyseguros.pt
• Liberty Agent
• Postal address: Av. D. João II, N.º 11 - 8.º 1998-036 Lisboa

The following must be supplied when filing a claim:

• The completed Accident Statement form.
• The police report, where there is one.
• Other information that might be important, such as photographs.

Direct Compensation of the Insured (abbreviated to IDS in Portuguese) - the aim of this convention is to speed up the settlement of claims and better serve the interests of all those involved, by allowing each driver to settle the claim directly with their own Insurer, irrespective of whether or not they are to blame for the accident. 

For an accident to be settled under this convention, it must be the case that:

• Only 2 vehicles were involved.
• Both vehicles have Portuguese licence plates.
• The accident occurred in Portugal.
• Only material damage was caused.
• The damage to the vehicle covered by the Creditor does not exceed €50,000.00.
• Both vehicles are covered by an insurance policy taken out with one of the Insurance Companies that are signatories to the Convention.

As soon as possible, you should go to the nearest police station and report the theft. Ask for a copy of the police report and give this to your Insurance Agent or Broker.

Yes. However, if the person driving the vehicle is not legally qualified to do so or has taken the vehicle without your consent (that is, it has been stolen), the Insurer may require the person responsible for the accident to reimburse it for any compensation that it has had to pay out.

If a third party is responsible, you will receive an amount equivalent to the market value of your vehicle at the date of the accident. 

If you were responsible for the accident, and you have own damage cover, you will receive the sum insured at the date of the accident. 

In either of these cases, the value of the salvage will be deducted from the compensation, if the vehicle remains in your possession.

To find out how the claim process is progressing, contact your national agent, our Insurance Support Line Customer through + 351 213 124 300 (call to the national fixed network); You can also contact us via WhatsApp using the number + 351 961 156 555 (call with Internet connection) or 808 243 000 (between 9am and 9pm on days useful - €0.07 for the first minute and €0.0277/min for the rest (+VAT); between 9pm and 9am on weekdays, weekends and holidays - €0.07 for the first minute and €0.0084/min for the rest (+VAT).

Personalized service from 9am to 5pm, every working day.
Permanent service 24 hours a day, 365 days a year.

The Roadside Assistance service is available 24 hours a day, 7 days a week. If needed, please contact our assistance helpline on 808 505 542 or, if you are abroad, call +351 213 124 335.  

If something untoward occurs during your journey, you can also find all of the above contacts on your green card.