danos próprios
Published 4 November 2026, 18:37
danos próprios (own damage cover), also known as seguro contra todos os riscos
Optional cover on top of the compulsory policy, what people call "comprehensive". This is what pays to repair your own car, even when you were at fault. It is not a single cover but a package: collision, theft, fire, glass, vandalism, natural events; each can be included or left out. It almost always comes with an excess.
Where you come across it. A new or expensive car, a loan or lease, worries about parking in the city.
For an old car, full cover is either not offered or so expensive that it is cheaper to put money aside for repairs. Before you take out the policy, you are usually asked to bring the car in for inspection (vistoria), so that the insurer does not end up paying for old dents.
Official website: consumidor.asf.com.pt/seguro-autom%C3%B3vel-1