Allianz Auto - A complete and flexible car insurance.
Find out the coverage options at your disposal
Choose the Car Insurance coverage level that best suits you and your car
Responsabilidade Civil Base / Basic Public Liability
Responds to legal obligation. Protection against third parties (Public Liability), protection for driver and occupants:
- Damage caused to third parties – Public Liability
- Occupants protection
- Travel assistance
Responsabilidade Civil Mais – Public Liability More
Base coverage module with extended protection in case of breakdown or glass break:
- Includes all coverage of the Basic Public Liability module
- Replacement vehicle due to breakdown and accident
- Breaking glass
Danos Próprios Base
Ensures greater protection, with coverage for damages to your vehicle:
- Includes all coverage of Responsabilidade Civil Mais Module
- Theft or robbery
- Fire, explosion or nature phenomena
Danos Próprios Mais
The most complete protection option with own damages caused to the car and different excess options:
- Includes all coverage of the Danos Próprios Base
- Optional excess values
- includes option without excess value to new cars
- Crash, collision and rollover coverage
Allianz Auto offers 6 modules with 6 coverage levels.
The level of coverage is increasing from the 1st to the 6th Modules, the 5th and 6th modules differ by the level of excess applyed.
The 1st module - RC Base: in addition to responding to the legal obligation to have auto liability insurance *, it also offers:
- Occupants: Protection for you and the people who travel with you. In other words, in case of a traffic accident, people traveling in your car will be entitled to the payment of compensation for death or permanent disability, treatment expenses and funeral expenses.
-Travel Assistance: Assistance to your car and occupants within the contracted limits.
-Legal Protection: Legal support for your defense in criminal proceedings or claims for damages in case of an accident.
* The Public Liability coverage provided corresponds to the legally required, applying the general conditions of the respective Uniform policy, whenever it is more favorable to the Insured.
The 2nd module - RC Mais: guarantees the protections already in the 1st module, adding the covers of:
Glass Breakage: Ensures the replacement or repair of your car windows, as long as the damage is limited to the vehicle windows only. This guarantee does not include beacons, mirrors, sunroofs or panels made of synthetic materials.
-Replacement vehicle (only for private use or unspecified professional use): When, as a result of damage or accident, in Portugal, the insured vehicle is not repairable on the same day of immobilization, the Insurer will bear the costs of renting a vehicle vehicle similar to your vehicle.
The 3rd module - DP Base: Provides even more effective protection against the great risks to which your car is subject. The DP Base includes all the guarantees of the RC Mais and also the following coverage of Own Damage
-Theft or Robbery: Guarantees compensation in case of loss of possession, destruction or deterioration of the vehicle, due to theft or robbery (attempted, frustrated or consummated).
-Fire, Lightning or Explosion: Guarantees the damages to your car as a result of a fire, as long as it is not intentional. Includes fires caused by lightning strike and explosion.
- Phenomena of Nature and Aircraft Crash: Compensates you for damage caused to your vehicle resulting from elements of nature (such as storms, floods, hail or earthquakes) or aircraft crashes.
-Privacy of Use by Claim: Complementary warranty to the replacement vehicle coverage in the event of a claim by providing a rental vehicle for a maximum period of 30 days (additional to the 5 days provided for in the replacement vehicle coverage).
The 4th and 5th modules - DP Mais Franquia Alta and DP Mais Franquia Baixa: guarantee complete protection for your car. In addition to the DP Base package Covers, they also include:
- Shock, Collision and Rollover: your car is protected in the event of a car accident.
-Strikes, riots, civil unrest, vandalism and acts of terrorism: Protects your car in case it gets damaged as a result of situations such as street demonstrations and terrorist attacks.
The 6th module - DP Mais Without Excess: provides you with the most complete protection for your vehicle. This module is characterized by having the same coverage as DP Mais, but without excess.