According to the portuguese legislation, the holder of the Car Insurance must be the owner of the vehicle, except in the situations foreseen in the law (Decree-Law nº291/2007, August 21st), namely in the situations of usufruct, sale with retention of title and finance lease, in which the duty falls upon the usufructuary, buyer or lessee. However, there is no hindrance to it being two distinct people as long as the regular driver is properly identified at the insurance company.
The contract will be concluded when the Insurer accepts the insurance and begins on the date present on the Policy Particular Conditions or another document (Temporary certificate or Aviso-Recibo) issued by the Insurer.
However, on the terms of the law, the car insurance contract warranties are only effective after the payment of the prize or an initial fraction by the holder of the insurance.
Yes, with all the included hired coverages.
It is not possible because there isn't an Insurance that can ensure the protection of a certain asset against every single risk that it may be subject to. However, with Móbis Insurance you have, at your disposition, a broad list of coverages that are organized into options, allowing you to choose very quickly and efficiently a solution that best suits your needs.
If necessary, you should call the authorities and request the identification of the witnesses of the accident. In case someone is hurt you must call medical assistance (112).
If no one is injured and if the accident occured between two vehicles with a portuguese plate and a valid insurance, you must fill out the Declaração Amigável de Acidente Automóvel (DAAA). This declaration must be signed by both drivers and each one must hold on to a copy (copy or original, as long as it is readble).
If your vehicle is not working you must request a tow. If the Road Assistance coverage is included in your Insurance, Móbis will secure you that service.
Ultimately you must send, to the Insurer, the DAAA or Participação de Sinistro. You have 8 days, after the day of the accident, to do this.