responsabilidade civil automóvel
Published 8 November 2026, 20:40
seguro obrigatório de responsabilidade civil automóvel (compulsory third-party liability insurance)
The compulsory policy without which a car may be neither driven nor parked. People call it "third-party" (contra terceiros); Russian speakers call it OSAGO. It pays out not to you but to whoever you have harmed: someone else's car, someone else's health, someone else's fence. It never pays for your own car, whether you are at fault or someone else is (in the latter case the other driver's insurer pays). The rules are set by Decreto-Lei n.º 291/2007.
Where you come across it. Buying a car, renewing the policy, a document check on the road, any accident.
In conversations, the fine for having no policy is put at €500 to €2,500, plus points and a driving ban. Whether a car is insured can be checked from its number plate in seconds. And remember: when you sell a car, the insurance does not pass to the new owner.
Official website: consumidor.asf.com.pt/seguro-autom%C3%B3vel-1