IDS
Published 5 November 2026, 15:07
IDS — Indemnização Directa ao Segurado (direct compensation to the policyholder)
An agreement between insurers that lets you deal only with your own company: it pays you, then recovers the money from the at-fault driver's insurer itself. It applies when five conditions are all met: exactly two cars are involved and they collided directly; both are insured with companies that take part in the scheme; the accident happened in Portugal; no one was injured; the damage is no more than €15,000 per car.
Where you come across it. Settling an ordinary car accident, working out which insurer to go to.
If even one condition is not met, you will have to go to the at-fault driver's insurer, which takes longer and is more hassle.
Official website: consumidor.asf.com.pt/seguro-autom%C3%B3vel-1