Motor Insurance
Being one of the main insurance of members of the afpop, MEDAL provides a very competitive and flexible motor insurance able to meet these protection needs of each member.
We provide four options ranging from the compulsory insurance of Third Party Liability to the Damage Waiver insurance, thereby responding to the most particular needs of each member.
Major Benefits
Unique and competitive rates
The age of the driver does not negatively affect the premium
Fully comprehensive cover to vehicles up to 15 years
Dedicated claims service
Defamation
Costs to prevent a potential claim
Discover our range of motor insurance plans
Get a personalised estimated quote, or chat to our experienced advisers to find a plan that best suits your needs.
| Covers / Limits | Option A Third Party Liability | Option B Fully Comprehensive (vehicles up to 10 years) |
|---|---|---|
| Third Party Liability | 7.750.000€ / 50.000.000€ | 50.000.000€ |
| Windscreen Breakage |  | |
| Occupants | ||
| Death or Permanent Disability | 15 000€ | 15 000€ |
| Medical Expenses | 1 500€ | 1 500€ |
| Own Damage | ||
| Fire, Lightning and Explosion |  | |
| Theft or Burglary | | |
| Impact; Collision and Overturning | | |
| Political, Social Risks, Malicious Damage | | |
| Natural Perils and Falling Aircrafts | | |
| Excess (over the Commercial Value) | | 0% / 2% / 4% |
| Replacement Vehicle due to: Accident or Theft | | Yes / No |
| Actions |
- Included
- Not Included
FAQs
Third Party Liability Insurance is compulsory for all motor vehicles and trailers for use on public roads with minimum capital of from 7.750.000 € up to 50.000.000 €.
The compulsory insurance covers loss or damages caused to third parties, including passengers in the vehicle but excluding the driver.
In Portugal we insure the vehicle not the driver. The cover is for any driver with the permission of the policy holder. Friends can drive the vehicle, but we recommend a written authorization to show the Police / GNR.
Check if your Green Card is valid for all the countries you wish to drive to, and if you need to pay any additional premium to extend the covers of your policy.
According to Portuguese Law and European Union (EU) recommendations and rules, the insurance must be done in the country where the vehicle is registered. This principle is the same and valid in all the other (EU) countries. To insure a foreign vehicle in Portugal, the matriculation process to Portuguese plates must have already started.
The bonus can be transferred from your previous insurer, even foreign, and benefit from a discount due to not having accidents in your records as a driver.
If there are no injuries and only involved two vehicles, you must complete the Accident Statement form (download), as far as possible, and deliver it to our claims department to proceed with the claims process.
Even if you call the police, MEDAL recommends you also complete the declaration of accident form to help inform your insurance company. Only leave the scene of the accident when the police allow you to do so.
For most accidents, the quickest way to receive your insurance compensation is to complete the accident report form. Once the report has been signed by both drivers, you can leave the scene of the accident.
Tel. 282 430 800 E-mail: sinistros@medal.pt
Add to your base plan:
- Breach of Contract – If a project deadline is missed due to the illness or departure of a key team member, resulting in financial loss for the client, this policy provides coverage.
- Professional Errors, Omissions, and Negligence – If the delivered work does not meet the client’s expectations, our policy ensures financial protection.
Ensure your business remains secure against unexpected claims and financial risks. Contact us today for a personalised quote.
