responsabilidade civil
Published 8 November 2026, 20:40
seguro de responsabilidade civil automóvel (compulsory third-party liability insurance)
The part of car insurance without which you cannot drive. It pays for damage you cause to others: someone else's car, someone else's property, people's health. It does not pay for repairs to your own car — for that you need optional cover, bought separately on top of the policy.
Where you come across it. Buying car insurance, an accident that is your fault, hail damage or a tree falling on your car.
Hail, floods and storms come under the "natural phenomena" risk (fenómenos da natureza). This is optional cover, and policies do not always include it. Check before bad weather arrives, not after.
Official website: consumidor.asf.com.pt/seguros/seguro-automovel