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FAQ
Clear answers about the covers that protect you and your family, including key information, practical guidance and support to help you navigate your insurance choices.
Contact usIn the event of an accident, you should fill in a DAAA (Declaração Amigável de Acidente Automóvel – European Accident Statement), even if the insured vehicle went off the road and did not collide with another vehicle, person or object (for example, a motorway barrier). This is because, despite its name, the document works as a form that objectively summarises the information insurers consider necessary to correctly settle car claims.
If there is disagreement about liability for the accident, or if there are any injuries, you should always request the intervention of the police.
Then contact our team as soon as possible: we take care of all the follow-up with the insurer, so you don't have to worry about the process.
In the event of a car accident, we recommend filling in the Car Accident Statement (DAAA) together with the other party involved.
At the scene of the accident, it is essential to fill in (on the front of the Statement):
1 - Date and place of the accident
2 - Registration plates of the vehicles involved
3 - Insurance policies and insurers of the vehicles involved
4 - Whenever possible, the signatures of the drivers
5 - Circumstances of the accident
6 - Damage to the vehicles
It is also important that the following information be filled in by our Client/Driver (on the back of the Statement):
7 - Detailed description of the accident
8 - Involvement of the authorities and their identification
9 - Breathalyser test and the result obtained
10 - Whether the vehicle was immobilised as a result of the accident
11 - Other damage, in addition to the vehicles involved
12 - Finally, the signature of the Policyholder or company stamp (if a company)
Usually you need the single vehicle document (DUA), the tax identification card of the policyholder and, if applicable, the previous insurance policy for claims history and no-claims bonus purposes.
Our team tells you, case by case, whether additional documentation is required depending on the cover you want.
The answer is no. In addition to Civil Liability cover, which is legally required and regulated, the Insured may, at their request, take out other covers known as “Own Damage” (Danos Próprios), such as Impact, Collision and Overturning, Theft or Robbery, and other types of damage that the insured vehicle itself may suffer. These special covers are commonly, though incorrectly, referred to as “all risks”.
Our team compares the options available on the market and explains, case by case, what each one covers and excludes.
As a general rule, yes, provided the driver is legally entitled to drive. Some policies apply specific conditions to young drivers or those with little driving experience, which may result in a higher excess.
If the vehicle is regularly driven by more than one person, it is worth reviewing the policy with us to avoid surprises in the event of a claim.
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