Móbis Car Insurance

Civil liability

Among other warranties and exclusions detailed in the General and Special Conditions

What is included

- Indemnity in case of accident for the material and physical damages caused to third parties, including all occupants of the vehicle.

What is excluded

- Any material damages caused to the driver responsible for the accident, to the holder of the insurance and to all coproprietors of the insured vehicle.

- Damages to the insured vehicle and assets carried by it.

- Damages caused to third parties during loading and unloading operations.

Road assistance

Among other warranties and exclusions detailed in the General and Special Conditions

What is included

- Assistance filling the friendly declaration of accident

- Breakdown assistance or towing.

- Transportation of the occupants.

Exclusive Option Total:

- Sending of a technician in case of lack of fuel

- Cost associated to the loss, theft, robbery or forgetting the keys inside the vehicle

- Costs with the repair or replacement of tires in case of accident.

What is excluded

- Expenses with fuel.

- Theft of accessories incorporated on the vehicle.

- Regular situations of tire wear.

- Replacement of tires for vehicles with a gross weight over 3.500 kg.

Legal protection

Among other warranties and exclusions detailed in the General and Special Conditions

What is included

- Defense and representation of the vehicle's driver.

- Refund of expenses with lawyers.

- Refund of justice taxes and procedural expenses.

- Extrajudicial or judicial request of the indemnities to receive.

What is excluded

- Expenses with lawyers without warning the Insurer beforehand.

- Amounts that the insured person is condemned to pay to third parties.

- Fines or other fiscal charges imposed by justice regarding a crime.

- Penal or civil defense for intentional behavior of the insured person.

Vehicle occupants

Among other warranties and exclusions detailed in the General and Special Conditions

What is included

- Payment of indemnities in case of death, permanent invalidity and temporary absolute disability with hospital stay.

- Payment of treatment and funeral expenses.

- This protection is included for all occupants of the vehicle including the driver.

What is excluded

- Damages caused when the driver isn't qualified for driving.

- Damages caused by nature phenomena, if that coverage isn't included.

- Damages caused by strikes, mutinies, terrorism and others if the Acts of vandalism coverage isn't included.

One-off breakage of glass

Among other warranties and exclusions detailed in the General and Special Conditions

What is included

- Repair costs in case of breakage or on-off rupture of windshield, rear window, sliding roof and laterals glass, in case there aren't any other damages to the vehicle in that same accident.

What is excluded

- Damages to headlights, tail lights, rear-view mirrors and turning signals (blinkers).

- Scratches, cracks or scrapes that result from defective placement or from assembling and disassembling the glasses.

Crash, Collision or Rollover

Among other warranties and exclusions detailed in the General and Special Conditions

What is included

- In case you choose to repair in the Network Recommended Workshops, the amount to be paid by the insurance won't aggravate on the first fault-based accident.

- Option Total: the repairs can be performed at any shop; however, they are subject to the aggravations of the coverage in case of fault-based accidents.

What is excluded

- Damages caused by the poor conditions of roads and paths, when the result isn't crash, collision or rollover.

- Damages caused to rims, air chambers and tires, except when resulting from crash, collision or rollover.

- Damages resulting from the circulation in places recognized as not accessible for vehicles.

Fire, lightning strike or explosion

Among other warranties and exclusions detailed in the General and Special Conditions

What is included

- Indemnity for the damages caused by fire, lightning strike or casual explosion, whether the vehicle is moving, stopped or parked in a garage or not.

What is excluded

- Damages to the stereo or to the electrical installation if it doesn't result from fire or explosion.

- Damages caused by fire that is a responsibility of the holder of the insurance, the insured person, the driver or people they live with or are economically responsible for.

Theft or robbery

Among other warranties and exclusions detailed in the General and Special Conditions

What is included

- Indemnity in case of disappearance, destruction or deterioration of the vehicle.

- Repair of the damages even if the theft or robbery isn't completely consummated.

What is excluded

- Indemnity for the objects left inside the vehicle.

Nature phenomena

Among other warranties and exclusions detailed in the General and Special Conditions

What is included

- Indemnity for the damages caused by storms, floods, seismic phenomena or landslides as well as the fall of trees, tiles, chimneys, walls or other urban constructions.

What is excluded

- Damages caused by the sea or other water surfaces, natural or artificial.

- Damages caused by pollution, acid rain, radiations or radioactivity.

- Damages caused by the poor condition of roads or paths.

- Breaks caused by circulation in open spaces covered with water.

Acts of vandalism

Among other warranties and exclusions detailed in the General and Special Conditions

What is included

- Indemnity for damages caused by strikes, riots, mutinies and alterations of public order.

- Indemnity for terrorism and malicious acts such as setting the car on fire or destroying it.

What is excluded

- Scratches on the vehicle.

- Theft and robbery, with or without break-in.

Replacement vehicle - accident

Among other warranties and exclusions detailed in the General and Special Conditions

What is included

- In case of accident ensures the use of a light passenger vehicle with a class equivalent to the insured vehicle and up to 2.000 cc of cylinder capacity.

- Use up to a maximum period of 30 days per year.

What is excluded

- Movement expenses for the collection and delivery of the substitution vehicle.

- Failures or damages caused to and by the substitution vehicle.

- Fuel, tolls, parking, fines or penalty expenses of the substitution vehicle.

Replacement vehicle - breakdown

Among other warranties and exclusions detailed in the General and Special Conditions

What is included

- In case of malfunction that causes the immobilization, the use of a light passenger vehicle with a class equivalent to the insured vehicle and up to 2.000 cc of cylinder capacity will be granted.

- Use up to a maximum period of 10 days per annuity and 5 days per breakdown.

What is excluded

- Substitution vehicle for the lack of parts or materials for the repair of the insured vehicle.

- Substitution vehicle for the lack of human and technical means to repair the insured vehicle in due course, when the repair is performed outside the Network Recommended Workshops.

- Movement expenses for the collection and delivery of the substitution vehicle.

- Failures or damages caused to and by the substitution vehicle.

Baggage

Among other warranties and exclusions detailed in the General and Special Conditions

What is included

- Indemnity by theft, robbery or damages caused to objects. For that, it is necessary that the accident is a result of a situation and hired coverage such as: “Crash, collision or rollover”, “Fire, lighting strike or explosion”, “Nature phenomena”, “Acts of vandalism” or “Theft or robbery”.

What is excluded

- Indemnity by theft, robbery of objects that aren't stored in a closed trunk and without visibility from the outside.

- Indemnity by theft, robbery of special objects such as jewellery, works of art, money or credit cards, calculators and computers, cell phones, GPS and others.