apólice
Published 30 October 2026, 20:39
apólice (insurance policy) and prémio (insurance premium)
The apólice is the insurance contract itself, with its number; you quote it in any dealings with the insurer. The prémio is what you pay for it. The contract runs for a year and renews automatically unless you cancel it. It comes with two documents: the Condições Gerais (general conditions: what is covered and what is excluded) and the Condições Particulares (your sums insured, excesses and drivers).
Where you come across it. Taking out and renewing a policy, any dealings with the insurer, a dispute about cover.
Arguing with the insurer on the phone is pointless: what works is a letter quoting your Condições Gerais. And remember the deadline: to stop a policy renewing automatically, you need to notify the insurer in advance, usually 30 days before the renewal date.
Official website: consumidor.asf.com.pt/seguro-autom%C3%B3vel-1