{"id":5879,"date":"2022-11-10T13:25:12","date_gmt":"2022-11-10T13:25:12","guid":{"rendered":"http:\/\/sitesempresas.com\/amplitude\/?page_id=5879"},"modified":"2023-02-03T16:24:42","modified_gmt":"2023-02-03T16:24:42","slug":"seguro-automovel-2","status":"publish","type":"page","link":"https:\/\/www.amplitudeseguros.com\/en\/seguros\/seguros-empresas\/seguro-automovel-2\/","title":{"rendered":"Car Insurance"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"5879\" class=\"elementor elementor-5879\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2d29be5 elementor-section-full_width service-details-page elementor-reverse-tablet elementor-reverse-mobile elementor-section-height-default elementor-section-height-default\" data-id=\"2d29be5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0b640b9\" data-id=\"0b640b9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0d565fb service-details-thumbnail elementor-widget elementor-widget-image\" data-id=\"0d565fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1470\" height=\"660\" src=\"https:\/\/www.amplitudeseguros.com\/wp-content\/uploads\/2022\/11\/Seguro-Automovel-1470x660.webp\" class=\"attachment-sultin-blog-standard size-sultin-blog-standard wp-image-5780\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3090d5 elementor-widget elementor-widget-heading\" data-id=\"b3090d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Car Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef33357 elementor-widget elementor-widget-text-editor\" data-id=\"ef33357\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<section class=\"text\"><p>Vehicle owners are responsible for any damage they cause to third parties and may be liable to pay out large sums of money in the event of an accident. To protect the interests of injured parties, who are entitled to have their losses paid for, regardless of whether or not the person responsible for the accident is financially able to do so, third-party liability insurance for motor vehicles and their trailers is compulsory.<\/p><p>A vehicle for which liability insurance has not been taken out is in an illegal situation. By law, the vehicle can be seized and the owner may have to pay a fine.<\/p><p>\u00a0The compulsory insurance covers compensation for bodily injury and damage to property caused to third parties and persons carried, except for the driver of the vehicle.<\/p><p>A wide range of optional covers can be taken out to protect the vehicle and its occupants.<\/p><p>For companies with more than 5 vehicles, we offer the Fleet service, with advantages in terms of administrative management, treasury management and price stability.<\/p><\/section>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d68a177 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d68a177\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-105a0a5\" data-id=\"105a0a5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7ab624b elementor-widget elementor-widget-heading\" data-id=\"7ab624b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Advantages<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8147555 elementor-widget elementor-widget-text-editor\" data-id=\"8147555\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<section class=\"text\"><ul><li>Fleet Policies: It is advantageous to have a good risk management of the companies' automobile fleet, a good history of absence of liability claims rewards companies through a system of insurance price reduction, which makes it more economical.<\/li><li>Car insurance adapts to the risk profile of each client, there is enormous flexibility in contracting cover.<\/li><\/ul><\/section>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-beb2f0f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"beb2f0f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5396f6a\" data-id=\"5396f6a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9fca0a6 elementor-widget elementor-widget-heading\" data-id=\"9fca0a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Coverage<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed8c1d9 elementor-widget elementor-widget-eael-adv-tabs\" data-id=\"ed8c1d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-adv-tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div data-scroll-on-click=\"no\" data-scroll-speed=\"300\" id=\"eael-advance-tabs-ed8c1d9\" class=\"eael-advance-tabs eael-tabs-horizontal eael-tab-auto-active\" data-tabid=\"ed8c1d9\">\n            <div class=\"eael-tabs-nav\">\n                <ul class=\"eael-tab-inline-icon\" role=\"tablist\">\n                                            <li id=\"cobertura-obrigatria\" class=\"inactive eael-tab-item-trigger eael-tab-nav-item\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"cobertura-obrigatria-tab\" aria-expanded=\"false\">\n                            \n                                                                                                                            \n                                                            <span class=\"eael-tab-title title-after-icon\" >Compulsory Cover<\/span>                            \n                                                    <\/li>\n                                            <li id=\"principais-coberturas-facultativas\" class=\"inactive eael-tab-item-trigger eael-tab-nav-item\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"principais-coberturas-facultativas-tab\" aria-expanded=\"false\">\n                            \n                                                                                                                            \n                                                            <span class=\"eael-tab-title title-after-icon\" >Main Optional Coverages<\/span>                            \n                                                    <\/li>\n                    \n                                  <\/ul>\n            <\/div>\n            \n            <div class=\"eael-tabs-content\">\n\t\t        \n                    <div id=\"cobertura-obrigatria-tab\" class=\"clearfix eael-tab-content-item inactive\" data-title-link=\"cobertura-obrigatria-tab\">\n\t\t\t\t        <section class=\"text\"><section class=\"text\">Third Party Liability (\"third party\") for land motor vehicles and their trailers with a minimum compulsory capital of 7.75 million euros (6.45 million for bodily injury and 1.30 million for property damage). It guarantees compensation for bodily injury and\/or damage to property caused to third parties, as well as persons carried, except for the driver of the vehicle and the policyholder (including their respective spouses and family members).<\/section><\/section>                    <\/div>\n\t\t        \n                    <div id=\"principais-coberturas-facultativas-tab\" class=\"clearfix eael-tab-content-item inactive\" data-title-link=\"principais-coberturas-facultativas-tab\">\n\t\t\t\t        <ul><li class=\"text\">Capital Facultativo &#8211; em responsabilidade civil superior ao m\u00ednimo obrigat\u00f3rio, alargando assim o \u00e2mbito da responsabilidade coberta;<\/li><li class=\"text\">Prote\u00e7\u00e3o Jur\u00eddica &#8211; representa\u00e7\u00e3o judicial ou extrajudicial dos interesses do tomador de seguro, cau\u00e7\u00f5es e reclama\u00e7\u00f5es por repara\u00e7\u00e3o defeituosa em consequ\u00eancia de acidente de via\u00e7\u00e3o;<\/li><li class=\"text\">Personal Accident for Occupants of the Vehicle - predefined payment of a capital sum in the event of death or permanent disability, a daily allowance for hospitalisation and treatment expenses to the occupants of the insured vehicle (including the driver) as a result of a road traffic accident;<\/li><li class=\"text\">Own Damage - to cover losses suffered by the insured vehicle even if the driver is responsible for the accident, in accordance with the coverages that may be contracted, namely, resulting from impact, collision and overturning, theft or robbery, fire, lightning or explosion, malicious acts and phenomena of nature;<\/li><li class=\"text\">Quebra Isolada de Vidros &#8211; danos em virtude de quebra isolada dos vidros, para-brisas, \u00f3culo traseiro e vidros laterais do ve\u00edculo seguro.<\/li><li class=\"text\">Priva\u00e7\u00e3o Tempor\u00e1ria de Uso e\/ou Ve\u00edculo de Substitui\u00e7\u00e3o &#8211; pagamento de uma compensa\u00e7\u00e3o pelos preju\u00edzos decorrentes de priva\u00e7\u00e3o for\u00e7ada do uso do ve\u00edculo seguro;<\/li><li class=\"text\">Assist\u00eancia em Viagem &#8211; para o ve\u00edculo e passageiros, a qual poder\u00e1 conceder ao tomador do seguro, em caso de acidente ou avaria, a assist\u00eancia necess\u00e1ria para o reboque do seu ve\u00edculo, o transporte e desloca\u00e7\u00e3o de pessoas e bens, e, em alguns casos, o fornecimento de um outro ve\u00edculo at\u00e9 ao final da viagem;<\/li><\/ul>                    <\/div>\n\t\t                    <\/div>\n        <\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-613fe6a elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"613fe6a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c2b8937\" data-id=\"c2b8937\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a10e878 elementor-widget elementor-widget-heading\" data-id=\"a10e878\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Care to be taken<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ebe37c elementor-widget elementor-widget-sultin_widget_accordion\" data-id=\"6ebe37c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sultin_widget_accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \r\n    <!-- ===== Design One ===== -->          \r\n    <div id=\"sultin-accordion-box-1002\">\r\n                <div class=\"sultin-accordion-item  active\">\r\n        <p class=\"sultin-accordion-title sultin-acc-tab-title\">Is it possible to insure \"against all risks\"?<span class=\"sultin-accordion__item-icon normal\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n\t\t\t\t<span class=\"sultin-accordion__item-icon active\"><i class=\"fa fa-chevron-up\"><\/i><\/span><\/p>\r\n            <div class=\"sultin-accordion-content\">\r\n            <p>Although we often hear the term \"all-risk insurance\", no insurance contract covers all risks. Generally, this designation refers to insurance that also covers own damage. This type of insurance covers damage to the insured vehicle, even in situations where the driver is responsible for the accident. Some of the covers that can be taken out include: impact, collision and overturning, fire, lightning and explosion and theft.<\/p>            <\/div>\r\n\r\n        <\/div>\r\n                <div class=\"sultin-accordion-item\">\r\n        <p class=\"sultin-accordion-title sultin-acc-tab-title\">Does the excess affect the price of insurance?<span class=\"sultin-accordion__item-icon normal\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n\t\t\t\t<span class=\"sultin-accordion__item-icon active\"><i class=\"fa fa-chevron-up\"><\/i><\/span><\/p>\r\n            <div class=\"sultin-accordion-content\">\r\n            <p>The excess is the amount payable by the policyholder in the event of a claim. It reduces the cost of the insurance because it makes the policyholder responsible for part of the loss. The excess, where it exists, is defined in the particular conditions of the insurance policy. It can be a fixed amount or a percentage of the sum insured or of the damage. For own damage cover, the amount of the excess is deducted from the indemnity owed by the insurer to the policyholder.<\/p>            <\/div>\r\n\r\n        <\/div>\r\n                <div class=\"sultin-accordion-item\">\r\n        <p class=\"sultin-accordion-title sultin-acc-tab-title\">What kind of information should one ask for and analyse before choosing car insurance?<span class=\"sultin-accordion__item-icon normal\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n\t\t\t\t<span class=\"sultin-accordion__item-icon active\"><i class=\"fa fa-chevron-up\"><\/i><\/span><\/p>\r\n            <div class=\"sultin-accordion-content\">\r\n            <p>Before taking out a motor insurance policy, the following information should be requested from the insurer: the price of the compulsory cover and optional covers; the risks that are covered and those that are excluded; the options regarding the excess and its impact on the price of the insurance; the table of premium penalties and bonuses; the countries where the various covers are valid; the criteria used by the insurer to determine and update the value of the insured vehicle (in own damage insurance) and the respective table of depreciation.<\/p>            <\/div>\r\n\r\n        <\/div>\r\n                <div class=\"sultin-accordion-item\">\r\n        <p class=\"sultin-accordion-title sultin-acc-tab-title\">How is the value of the vehicle updated in own damage insurance?<span class=\"sultin-accordion__item-icon normal\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n\t\t\t\t<span class=\"sultin-accordion__item-icon active\"><i class=\"fa fa-chevron-up\"><\/i><\/span><\/p>\r\n            <div class=\"sultin-accordion-content\">\r\n            <p>The insured value of the vehicle, which is used to calculate the compensation in case of total loss, must be updated automatically every year by the insurer according to a devaluation table defined in the contract. The update takes into account the age of the vehicle and the price when new. Alternatively, the insurer and the policyholder may agree on another value, provided it is reasonable.<\/p>            <\/div>\r\n\r\n        <\/div>\r\n                <div class=\"sultin-accordion-item\">\r\n        <p class=\"sultin-accordion-title sultin-acc-tab-title\">If I sell the vehicle, does the insurance transfer to the new owner?<span class=\"sultin-accordion__item-icon normal\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n\t\t\t\t<span class=\"sultin-accordion__item-icon active\"><i class=\"fa fa-chevron-up\"><\/i><\/span><\/p>\r\n            <div class=\"sultin-accordion-content\">\r\n            <p>No. The insurance ends at 24 hours on the day of the sale, so the new owner must conclude another insurance contract. The policyholder must immediately notify his insurer of the sale of the vehicle.<\/p>            <\/div>\r\n\r\n        <\/div>\r\n                <div class=\"sultin-accordion-item\">\r\n        <p class=\"sultin-accordion-title sultin-acc-tab-title\">Other aspects to take into consideration:<span class=\"sultin-accordion__item-icon normal\"><i class=\"fa fa-chevron-down\"><\/i><\/span>\r\n\t\t\t\t<span class=\"sultin-accordion__item-icon active\"><i class=\"fa fa-chevron-up\"><\/i><\/span><\/p>\r\n            <div class=\"sultin-accordion-content\">\r\n            <ul><li>You should always specify and value in the insurance proposal, all the optional equipment of your car, otherwise it will not be covered by the insurance.<\/li><li>In the cover of Phenomena of Nature, some policies provided by the Insurers do not cover damage caused by hail.<\/li><li>Some Insurance Companies charge higher excesses, if the Customer chooses to use workshops of his own choice instead of the Insurance Companies' agreed workshops.<\/li><\/ul>            <\/div>\r\n\r\n        <\/div>\r\n            <\/div> \r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4db5793 elementor-widget elementor-widget-text-editor\" data-id=\"4db5793\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<section class=\"text\"><p><em>Decree-Law No. 291\/2007 - Compulsory Insurance - <a title=\"Decree Law 291-2007 Compulsory Automobile Insurance.PDF\" href=\"https:\/\/www.amplitudeseguros.com\/en\/pt\/media\/5472\/decreto-lei-291-2007-seguro-automovel-obrigatorio.pdf\/\">See here<\/a><\/em><\/p><\/section>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-294cb77 elementor-widget elementor-widget-text-editor\" data-id=\"294cb77\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<section class=\"text\"><p><em>The information contained in this website is merely indicative. The rights and obligations of the parties are defined in the Proposals, Conditions\u00a0<\/em><em>Special and\u00a0<\/em><em>General applicable terms of the respective insurance policies contracted.<\/em><\/p><\/section>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Seguro Autom\u00f3vel Os propriet\u00e1rios de ve\u00edculos s\u00e3o respons\u00e1veis pelos preju\u00edzos que estes possam causar a terceiros e em caso de acidente podem ter de pagar indemniza\u00e7\u00f5es elevadas. Para proteger os interesses dos \u00a0lesados, que t\u00eam direito a que os seus preju\u00edzos sejam pagos, independentemente de o respons\u00e1vel pelo acidente ter ou n\u00e3o condi\u00e7\u00f5es financeiras para [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":5715,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-5879","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.amplitudeseguros.com\/en\/wp-json\/wp\/v2\/pages\/5879","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.amplitudeseguros.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.amplitudeseguros.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.amplitudeseguros.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.amplitudeseguros.com\/en\/wp-json\/wp\/v2\/comments?post=5879"}],"version-history":[{"count":40,"href":"https:\/\/www.amplitudeseguros.com\/en\/wp-json\/wp\/v2\/pages\/5879\/revisions"}],"predecessor-version":[{"id":7232,"href":"https:\/\/www.amplitudeseguros.com\/en\/wp-json\/wp\/v2\/pages\/5879\/revisions\/7232"}],"up":[{"embeddable":true,"href":"https:\/\/www.amplitudeseguros.com\/en\/wp-json\/wp\/v2\/pages\/5715"}],"wp:attachment":[{"href":"https:\/\/www.amplitudeseguros.com\/en\/wp-json\/wp\/v2\/media?parent=5879"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}