Seguro Moto - Seguro Directo

Seguro
Moto
Condições Gerais,
Especiais e Particulares
ÍNDICE
CONDIÇÕES GERAIS
PARTE I
TUDO SOBRE A COBERTURA DE RESPONSABILIDADE CIVIL OBRIGATÓRIA E,
NOS CASOS EXPRESSAMENTE ASSINALADOS, ALGO SOBRE AS COBERTURAS
FACULTATIVAS
Artigo Preliminar ............................................................................................................ 1
!"#$%&'()(*(+,-./01,23('45,$'(,(6!7!.$/!2(8'(9'.$7!$'3(9'4,7$%7!2(
:!9%&$!$/;!23(<=4/$'($,77/$'7/!&3(<=4/$'(8,(9'4,7$%7!(,(,>9&%21,2
!"#$%&#$% '% ()*+,-.)/ .................................................................................................. 2
!"#$%0#$% '% 123)"4%)%56!6+",6/%74%84+"!6"4 ..................................................................... 3
!"#$%9#$% '% :42)!";!6/%<68;="6",>6/ ................................................................................ 3
Art.º 4.º — Âmbito territorial e temporal ........................................................................ 4
Art.º 5.º — Âmbito material .......................................................................................... 4
!"#$%?#$% '% @A8=;/.)/%76%56!6+",6%42!,56"B!,6 ................................................................. 4
Capítulo II — Declaração do risco inicial e superveniente
!"#$%C#$% '% ()>)!%7)%7)8=6!6-D4%,+,8,6=%74%!,/84%+6%<4!E6-D4%74%84+"!6"4 ......................... 5
!"#$%F#$% '% G+8;EH!,E)+"4%74=4/4%74%7)>)!%7)%7)8=6!6-D4%,+,8,6=%74%!,/84 ........................ 6
!"#$%I#$% '% G+8;EH!,E)+"4%+)5=,5)+")%74%7)>)!%7)%7)8=6!6-D4%,+,8,6=%74%!,/84 .................. 6
!"#$%&J#$%'% 5!6>6E)+"4%74%!,/84 .................................................................................. 7
!"#$%&&#$%'% K,+,/"!4%)%65!6>6E)+"4%74%!,/84 ................................................................... 7
!"#$%&'()))(*(?!6!=,.$'(,(!&$,7!0@'(8'2("7A=/'2
!"#$%&0#$%'% L)+8,E)+"4%74/%H!ME,4/%............................................................................. 7
Art.º 13.º — Cobertura .................................................................................................. 8
!"#$%&N#$%'% >,/4%74%H656E)+"4%74/%H!ME,4/% ................................................................ 8
!"#$%&O#$%'% P6="6%7)%H656E)+"4%74/%H!ME,4/% ................................................................. 8
!"#$%&?#$%'% =")!6-D4%74%H!ME,4% ................................................................................... 8
Capítulo IV — Início de efeitos, duração e vicissitudes do contrato
!"#$%&C#$%'% G+Q8,4%76%842)!";!6%)%7)%)<),"4/ .................................................................... 9
!"#$%&F#$%'% (;!6-D4%74%84+"!6"4%................................................................................... 9
!"#$%&I#$%'% R)/4=;-D4%74%84+"!6"4% ................................................................................ 9
!"#$%0J#$%'% =,)+6-D4%74%>)Q8;=4% ................................................................................. 10
!"#$%0&#$%'% S!6+/E,//D4%7)%7,!),"4/% ............................................................................ 10
!"#$%&'(B(*(?7';!(8'(2,6%7'
!"#$%00#$%'% T!4>6%74%/)5;!4 ........................................................................................ 10
!"#$%09#$%'% G+")!>)+-D4%7)%E)7,674!%7)%/)5;!4/ .......................................................... 10
!"#$%&'(B)(*(?7,2$!0@'("7/.9/"!&(8'(C,6%7!8'7
!"#$%0N#$%'% U,E,")/%76%H!)/"6-D4 ................................................................................. 11
Art.º 25.º — Franquia ................................................................................................... 11
!"#$%0?#$%'% T=;!6=,767)%7)%/)5;!4/ .............................................................................. 11
!"#$%0C#$%'% G+/;*8,V+8,6%7)%86H,"6= .............................................................................. 11
!"#$%&'(B))(*(D47/6!01,2(,(8/7,/$'2(8!2("!7$,2
!"#$%0F#$%'% 12!,56-.)/%74%S4E674!%74%/)5;!4%)%74%K)5;!674 ....................................... 12
%
!"#$%0I#$%'% 12!,56-D4%7)%!))E24=/4%H)=4%K)5;!674!%76/%7)/H)/6/%W6>,76/%84E4
% 6<6/"6E)+"4%)%E,",56-D4%74%/,+,/"!4 ........................................................... 12
!"#$%9J#$%'% 12!,56-.)/%74%K)5;!674! .......................................................................... 12
2
% !"#$%9&#$%'%:B7,54/%7)%84+7;"6X%84+>)+-.)/%4;%684!74/............................................... 13
% !"#$%90#$%'%(,!),"4%7)%!)5!)//4%74%K)5;!674! ............................................................... 13
!"#$%&'(B)))(*(E'./-9!01,2('%(!67!;!=,.$'2("'7(2/./2$7!&/8!8,
% !"#$%99#$%'%Y4+,*86-.)/%4;%65!6>6E)+"4/%H4!%/,+,/"!6=,767) ......................................... 13
% !"#$%9N#$%'%:)!",*8674%7)%"6!,<6-D4 .............................................................................. 14
Capítulo IX — Disposições diversas
% !"#$%9O#$%'%:4E;+,86-.)/%)%+4",*86-.)/%)+"!)%6/%H6!")/ ............................................... 14
% !"#$%9?#$%'%R)8=6E6-.)/%)%6!2,"!65)E ......................................................................... 14
Art.º 37.º — Foro ......................................................................................................... 15
PARTE II
TUDO SOBRE AS COBERTURAS FACULTATIVAS, PARA ALÉM DO DISPOSTO
NA PARTE I E NAS RESPETIVAS CONDIÇÕES ESPECIAIS E/OU PARTICULARES
% !"#$%9F#$%'%()*+,-.)/%6H=,8Z>),/%[/%:42)!";!6/%P68;="6",>6/ .......................................... 16
% !"#$%9I#$%'%:4+7,-.)/%6H=,8Z>),/%[/%:42)!";!6/%P68;="6",>6/........................................... 16
% !"#$%NJ#$%'%123)"4%74%/)5;!4%+4%86/4%76/%:42)!";!6/%P68;="6",>6/ ................................. 16
% !"#$%N&#$%'%\E2,"4%")!!,"4!,6=%76/%:42)!";!6/%P68;="6",>6/ .............................................. 17
% !"#$%N0#$%'%@A8=;/.)/%6H=,8Z>),/%[/%:42)!";!6/%P68;="6",>6/ ........................................... 17
% !"#$%N9#$%'%L6=4!%/)5;!4%)%<!6+];,6/%+6/%:42)!";!6/%P68;="6",>6/ ................................... 18
% !"#$%NN#$%'%(,!),"4/%!)//6=>674/%+6/%:42)!";!6/%P68;="6",>6/.......................................... 18
% !"#$%NO#$%'%@A",+-D4%7)%:42)!";!6/%P68;="6",>6/ ............................................................ 18
% !"#$%N?#$%'%T=;!6=,767)%7)%/)5;!4/%];6+"4%6%:42)!";!6/%P68;="6",>6/ .............................. 19
% !"#$%NC#$%'%(,!),"4%7)%!)5!)//4%+6/%:42)!";!6/%P68;="6",>6/ ........................................... 19
% !"#$%NF#$%'%K;2^!456-D4%+6/%:42)!";!6/%P68;="6",>6/ .................................................... 19
% !"#$%NI#$%'%Y4+,*86-.)/%4;%65!6>6E)+"4/%H4!%/,+,/"!6=,767) ......................................... 20
% !"#$%OJ#$%'%R)//6!8,E)+"4%74/%76+4/%+4%>)Q8;=4%/)5;!4 ................................................ 20
CONDIÇÕES ESPECIAIS
:42)!";!6%<68;="6",>6%7)%!)/H4+/62,=,767)%8,>,= ................................................................ 22
:42)!";!6%<68;="6",>6%7)%8W4];)X%84=,/D4%4;%86H4"6E)+"4................................................ 23
:42)!";!6%<68;="6",>6%7)%,+8V+7,4X%!6,4%4;%)AH=4/D4 ......................................................... 24
:42)!";!6%<68;="6",>6%7)%<;!"4%4;%!4;24.......................................................................... 24
:42)!";!6%<68;="6",>6%7)%];)2!6%7)%<6!4= ........................................................................ 25
:42)!";!6%<68;="6",>6%7)%76+4/%+4%86H68)") ................................................................... 26
:42)!";!6%<68;="6",>6%7)%842)!";!6%74%84+7;"4! .............................................................. 27
:42)!";!6%<68;="6",>6%7)%6//,/"V+8,6%)E%>,65)E .............................................................. 31
:42)!";!6%<68;="6",>6%7)%H!4")-D4%3;!Q7,86 ...................................................................... 40
CLÁUSULAS PARTICULARES
JJ&%'%@A,/"V+8,6%7)%,+")!)//674%+4%/)5;!4 .................................................................... 46
JJC%'%(6+4/%86;/674/%7;!6+")%;E%/)!>,-4%7)%!)24];) .................................................. 46
J&&%'% 5!6>6E)+"4%76%<!6+];,6%7)%76+4/%H!BH!,4/ ........................................................ 46
J&0%'% 5!6>6E)+"4%74%)/86=D4%7)%24+;/_E6=;/%H4!%84+7;"4!%+D4%7)8=6!674 ................... 46
J9J%'% 8";6=,`6-D4%6;"4EZ",86%74%86H,"6=%/)5;!4%H4!%"62)=6%7)%7)/>6=4!,`6-D4 ................ 46
ANEXOS
+)A4%G% '% S62)=6/%6%];)%/)%!)<)!)E%4/% !",54/%99#$%)%NI#$%76/%:4+7,-.)/%a)!6,/%
%
% 76% HB=,8)%74%/)5;!4%6;"4EB>)=%................................................................ 47
+)A4%GG% '% S62)=6%7)%7)/>6=4!,`6-D4%74%>6=4!%/)5;!4.................................................... 48
CONDIÇÕES GERAIS
PARTE I
TUDO SOBRE A COBERTURA DE RESPONSABILIDADE
CIVIL OBRIGATÓRIA E, NOS CASOS EXPRESSAMENTE
ASSINALADOS, ALGO SOBRE AS COBERTURAS
FACULTATIVAS
ARTIGO PRELIMINAR
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1
COBERTURA OBRIGATÓRIA
DE RESPONSABILIDADE CIVIL
CAPÍTULO I
DEFINIÇÕES, OBJETO E GARANTIAS DO CONTRATO,
COBERTURAS FACULTATIVAS, ÂMBITO TERRITORIAL,
ÂMBITO DE COBERTURA E EXCLUSÕES
ARTIGO 1.º
DEFINIÇÕES
T6!6%)<),"4/%74%H!)/)+")%84+"!6"4X%)+")+7)^/)%H4!k
C,6%7!8'7('% %(,!)8"X%)+",767)%=)56=E)+")%6;"4!,`676%H6!6%6%)AH=4!6-D4%74%/)5;!4%
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Apólice%'%(48;E)+"4/%];)%",";=6E%4%84+"!6"4%7)%/)5;!4%8)=)2!674%)+"!)%4%S4E674!%74%
/)5;!4%)%4%K)5;!674!#%P6`)E%H6!")%,+")5!6+")%76% HB=,8)%6/%:4+7,-.)/%a)!6,/X%@/H)8,6,/X%
T6!",8;=6!)/X%:=Z;/;=6/%T6!",8;=6!)/X% "6/% 7,8,4+6,/X%H!4H4/"6%)%7)E6,/%,+<4!E6-.)/%
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84+"!6"4%7)%/)5;!4%+6%/;6%>,5V+8,6#
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5)!6,/%74%84+"!6"4X%6H=,86+74^/)%6%"474/%4/%84+"!6"4/%,+)!)+")/%6%;E%E)/E4%!6E4X%
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)%74%:4+7;"4!%W62,";6=%76%>,6";!6%/)5;!6X%4/%7674/%,7)+",*86",>4/%7)//6%>,6";!6X%4/%7674/%
74%K)5;!674X%4/%7674/%74%!)H!)/)+"6+")%74%K)5;!674!%H6!6%)<),"4%74/%/,+,/"!4/X%6/%4H-.)/%
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Cláusulas Particulares%'%1H-.)/%7)%842)!";!6%7)%!,/84/%)/H)8Q*84/X%];)%H47)E%/)!%
62!6+5,74/%H)=6% HB=,8)%7)%K)5;!4% ;"4EB>)=X%)%8;34%lE2,"4%<4,%H!)>,6E)+")%)/"62)=)8,74#%
T6!6%<6`)!)E%H6!")%7)/")%84+"!6"4%")!D4%7)%/)!%)AH!)//6E)+")%E)+8,4+676/%+6/%:4+7,-.)/%
T6!",8;=6!)/#
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7)%3;=W4%7)%0JJ9#%
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%,,,j% +4%86/4%74/%>)Q8;=4/%+D4%/;3),"4/%6%E6"!Q8;=6%+)E%6%/,+6=%,7)+",*86",>4%/)E)=W6+")X%
4%@/"674%E)E2!4%4+7)%4%7)")+"4!%74%>)Q8;=4%")+W6%!)/,7V+8,6%W62,";6=#%
ARTIGO 2.º
OBJETO E GARANTIAS DO CONTRATO
IJ( D("7,2,.$,(9'.$7!$'(8,2$/.!K2,(!(9%="7/7(!('47/6!0@'(8,(2,6%7'(8,(
7,2"'.2!4/&/8!8,(9/;/&(!%$'=L;,&3(->!8!(.'(M7$JN(OJN(8'(8,97,$'K&,/(.JN(
PQIRPSST3(8,(PI(8,(!6'2$'J
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,2$!4,&,9/8!2U(
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67];,!)+")%84E%!)/)!>6%7)%H!4H!,)767)%4;%=486"Z!,4%)E%!)5,E)%7)%=486-D4%*+6+8),!6X%
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!4;24%7)%>)Q8;=4/%4;%7)%68,7)+")/%7)%>,6-D4%74=4/6E)+")%H!4>48674/#%
ARTIGO 3.º
COBERTURAS FACULTATIVAS
V,8/!.$,(9'.;,.0@'(,>"7,22!(.!2( '.8/01,2(?!7$/9%&!7,23("'8,7@'(2,7('45,$'(8'(
"7,2,.$,(9'.$7!$'('%$7'2(7/29'2(,R'%(6!7!.$/!23(8,(H!7='./!(9'=(!2(9'4,7$%7!2(,(
,>9&%21,2(9'.2$!.$,2(.!2(7,2",$/;!2( '.8/01,2(G2",9/!/2(W%,($/;,7,=(2/8'(9'.$7!$!8!2J(
3
ARTIGO 4.º
ÂMBITO TERRITORIAL E TEMPORAL
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$,.H!=(!8,7/8'(!'(M9'78'(,.$7,('2(2,7;/0'2(.!9/'.!/2(8,(2,6%7'23(/.9&%/.8'(!2(
,2$!8/!2(8'(;,#9%&'(.!&6%=(8,&,2(8%7!.$,('(",7#'8'(8,(;/6Y.9/!(9'.$7!$%!&Z(
4X( .'($7!5,$'(W%,(&/6%,(8/7,$!=,.$,(8'/2($,77/$L7/'2('.8,('(M9'78'(8'(G2"!0'(
G9'.L=/9'(G%7'",%(A(!"&/9[;,&3(W%!.8'(.,&,(.@'(,>/2$!(2,7;/0'(.!9/'.!&(8,(
2,6%7'2J(
2. Os países referidos na alínea a) do número anterior são, concretamente, os
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G9'.L=/9'(G%7'",%(])2&<.8/!3(^/,9H$,.2$,/.(,(_'7%,6!X3(,(!/.8!(!(C%#0!3(
7'[9/!3()&H!2(`,7'A3()&H!2(8!(V!.9H!3(a/47!&$!73()&H!(8,(V!.3(b,"c4&/9!(8,(
C@'(V!7/.'3(G2$!8'(8'(B!$/9!.'(,(M.8'77!3(4,=(9'='('2('%$7'2("!#2,2(9%5'2(
2,7;/0'2(.!9/'.!/2(8,(2,6%7'2(!8/7!=(!'(=,.9/'.!8'(M9'78'(,(W%,(;,.H!=(!(
2,7(/.8/9!8'2(.'(9'.$7!$'('%(.'2(7,2",$/;'2(8'9%=,.$'2("7'4!$L7/'2J
dJ( D(9'.$7!$'("'8,(!/.8!(!47!.6,7(!(7,2"'.2!4/&/8!8,(9/;/&(8,9'77,.$,(8!(
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I3(9'.97,$!=,.$,(.'2(8,(G2$!8'2('.8,(,>/2$!(%=(2,7;/0'(.!9/'.!&(8,(2,6%7'2(
W%,($,.H!(!8,7/8'(e(2,0@'())(8'(b,6%&!=,.$'(!.,>'(!'(M9'78'(,.$7,('2(
2,7;/0'2(.!9/'.!/2(8,(2,6%7'23(8,28,(W%,(2,5!(6!7!.$/8!("'7(%=(9,7$/-9!8'(
/.$,7.!9/'.!&(8,(2,6%7'(]9!7$!(;,78,X(;[&/8'("!7!(!(9/79%&!0@'(.,22,2("!#2,2J
OJ( D("7,2,.$,(9'.$7!$'(9'47,(!(7,2"'.2!4/&/8!8,(9/;/&("'7(!9/8,.$,2('9'77/8'2(.'(
",7#'8'(8,(;/6Y.9/!(8'(9'.$7!$'(.'2($,7='2(&,6!/2(!"&/9[;,/2J(
ARTIGO 5.º
ÂMBITO MATERIAL
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!X( 7,&!$/;!=,.$,(!'2(!9/8,.$,2('9'77/8'2(.'($,77/$L7/'(8,(?'7$%6!&3(!('47/6!0@'(
8,(/.8,=./f!7(,2$!4,&,9/8!(.!(&,/(9/;/&Z(
4X( 7,&!$/;!=,.$,(!'2(!9/8,.$,2('9'77/8'2(.'2(8,=!/2($,77/$L7/'2(8'2("!#2,2(
9%5'2(2,7;/0'2(.!9/'.!/2(8,(2,6%7'2($,.H!=(!8,7/8'(!'(M9'78'(,.$7,('2(
2,7;/0'2(.!9/'.!/2(8,(2,6%7'23(!('47/6!0@'(8,(/.8,=./f!7(,2$!4,&,9/8!(.!(
lei aplicável ao acidente, a qual, nos acidentes ocorridos nos territórios
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",&!(&,/("'7$%6%,2!(2,="7,(W%,(,2$!(,2$!4,&,0!(%=!(9'4,7$%7!(2%",7/'7Z(
9X( 7,&!$/;!=,.$,(!'2(!9/8,.$,2('9'77/8'2(.'($7!5,9$'("7,;/2$'(.!(!&#.,!(4X(8'(.JN(
I(8'(!7$/6'(!.$,7/'73(!",.!2('2(8!.'2(8,(7,2/8,.$,2(,=(G2$!8'2(=,=47'2(,(
"!#2,2(9%5'2(2,7;/0'2(.!9/'.!/2(8,(2,6%7'2($,.H!=(!8,7/8'(!'(M9'78'(,.$7,(
'2(2,7;/0'2(.!9/'.!/2(8,(2,6%7'2(,(.'2($,7='2(8!(&,/("'7$%6%,2!J(
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utilizadores não motorizados das estradas apenas quando e na medida em
W%,(!(&,/(!"&/9[;,&(e(7,2"'.2!4/&/8!8,(9/;/&(8,9'77,.$,(8'(!9/8,.$,(!%$'=L;,&(
determine o ressarcimento desses danos.
ARTIGO 6.º
EXCLUSÕES DA GARANTIA OBRIGATÓRIA
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9'.8%$'7(8'(;,#9%&'(2,6%7'(7,2"'.2[;,&(",&'(!9/8,.$,3(!22/=(9'='('2(8!.'2(
decorrentes daqueles.
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4
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;/;!=(!(2,%(9!76'Z(
f) aqueles que, nos termos dos Art.os(OQhJN3(OQiJN(,(OQQJN(8'( L8/6'( /;/&3(
4,.,-9/,=(8,(%=!("7,$,.2@'(/.8,=./f!$L7/!(8,9'77,.$,(8,(;#.9%&'2(9'=(
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6X( !("!22!6,/7'23(W%!.8'($7!.2"'7$!8'2(,=(9'.$7!;,.0@'(e2(7,67!2(7,&!$/;!2(
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8,2/6.!8!=,.$,(7,&,;!=('2(7,6/=,2(,2",9/!/2(7,&!$/;'2(!'($7!.2"'7$,(8,(
crianças, ao transporte fora dos assentos e ao transporte em motociclos,
triciclos, quadriciclos e ciclomotores.
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indemnização ao responsável do acidente.
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!X( '2(8!.'2(9!%2!8'2(.'("7L"7/'(;,#9%&'(2,6%7'Z(
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;,7/-W%,=(8%7!.$,('($7!.2"'7$,3(W%,7(,=('",7!01,2(8,(9!76!(,(8,29!76!Z(
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'%(7!8/!0@'3("7';,./,.$,2(8,(8,2/.$,67!0@'('%(:%2@'(8,([$'='23(!9,&,7!0@'(
!7$/-9/!&(8,("!7$#9%&!2('%(7!8/'!$/;/8!8,Z(
e) quaisquer danos ocorridos durante provas desportivas e respetivos treinos
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se aplicam as presentes Condições Gerais com as devidas adaptações
previstas para o efeito pelas partes nas Condições Particulares.
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indemnizações devidas pelos respetivos autores e cúmplices para com o
proprietário, usufrutuário, adquirente com reserva de propriedade ou locatário
,=(7,6/=,(8,(&'9!0@'(-.!.9,/7!3(.,=("!7!(9'=('2(!%$'7,2('%(9c="&/9,2('%(
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/&,6#$/=!(8'(;,#9%&'(,(8,(&/;7,(;'.$!8,(.,&,(:'22,=($7!.2"'7$!8'2J
CAPÍTULO II
DECLARAÇÃO DO RISCO INICIAL E SUPERVENIENTE
ARTIGO 7.º
DEVER DE DECLARAÇÃO INICIAL DO RISCO
NA FORMAÇÃO DO CONTRATO
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9'.H,0!=(,(7!f'!;,&=,.$,(8,;!=($,7("'7(2/6./-9!$/;!2("!7!(!(!"7,9/!0@'(8'(
7/29'(",&'(C,6%7!8'7J(
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=,.0@'(.@'(2,5!(2'&/9/$!8!(,=(W%,2$/'.[7/'(,;,.$%!&=,.$,(:'7.,9/8'(",&'(
C,6%7!8'7("!7!('(,:,/$'J(
dJ( D(C,6%7!8'7(W%,($,.H!(!9,/$!8'('(9'.$7!$'3(2!&;'(H!;,.8'(8'&'(8'(F'=!8'7(
8'(2,6%7'('%(8'(C,6%7!8'(9'=('("7'"L2/$'(8,('4$,7(%=!(;!.$!6,=3(.@'("'8,(
"7,;!&,9,7K2,U
!X( 8!('=/22@'(8,(7,2"'2$!(!(",76%.$!(8'(W%,2$/'.[7/'Z(
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5
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"c4&/9!2(,(.'$L7/!2J(
OJ( D(C,6%7!8'73(!.$,2(8!(9,&,47!0@'(8'(9'.$7!$'3(8,;,(,29&!7,9,7('(,;,.$%!&(
F'=!8'7(8'(2,6%7'('%('(C,6%7!8'(!9,79!(8'(8,;,7(7,:,7/8'(.'(.JN(I3(
4,=(9'='(8'(7,6/=,(8'(2,%(/.9%="7/=,.$'3(2'4(",.!(8,(/.9'77,7(,=(
7,2"'.2!4/&/8!8,(9/;/&3(.'2($,7='2(6,7!/2J(
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Condições Gerais, respetivamente.
ARTIGO 8.º
INCUMPRIMENTO DOLOSO DO DEVER DE DECLARAÇÃO
INICIAL DO RISCO
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,.;/!8!(",&'(C,6%7!8'7(!'(F'=!8'7(8'(2,6%7'J
2. Não tendo ocorrido sinistro, a declaração referida no número anterior deve ser
enviada no prazo de 3 meses a contar do conhecimento daquele incumprimento.
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8,9%72'(8'("7!f'("7,;/2$'(.'(.c=,7'(!.$,7/'73(2,6%/.8'K2,('(7,6/=,(6,7!&(8!(
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OJ( D(C,6%7!8'7($,=(8/7,/$'(!'("7A=/'(8,;/8'(!$A(!'(-.!&(8'("7!f'(7,:,7/8'(.'(
.JN(P(8,2$,(M7$/6'3(2!&;'(2,($/;,7(9'.9'77/8'(8'&'('%(.,6&/6Y.9/!(67'22,/7!(8'(
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hJ( G=(9!2'(8,(8'&'(8'(F'=!8'7(8'(2,6%7'('%(8'(C,6%7!8'(9'=('("7'"L2/$'(8,(
'4$,7(%=!(;!.$!6,=3('("7A=/'(A(8,;/8'(!$A(!'($,7='(8'(9'.$7!$'J(
ARTIGO 9.º
INCUMPRIMENTO NEGLIGENTE DO DEVER
DE DECLARAÇÃO INICIAL DO RISCO
IJ( G=(9!2'(8,(/.9%="7/=,.$'(9'=(.,6&/6Y.9/!(8'(8,;,7(7,:,7/8'(.'(.JN(I(8'(M7$JN(
TJN(8,2$!2( '.8/01,2(a,7!/23('(C,6%7!8'7("'8,3(=,8/!.$,(8,9&!7!0@'(!(,.;/!7(
!'(F'=!8'7(8'(2,6%7'3(.'("7!f'(8,(d(=,2,2(!(9'.$!7(8'(2,%(9'.H,9/=,.$'U(
!X( "7'"'7(%=!(!&$,7!0@'(8'(9'.$7!$'(8,(2,6%7'3(->!.8'(%=("7!f'3(.@'(/.:,7/'7(
!(IO(8/!23("!7!('(,.;/'(8!(!9,/$!0@'('%3(9!2'(!(!8=/$!3(8!(9'.$7!"7'"'2$!Z(
4X( :!f,7(9,22!7('(9'.$7!$'(8,(2,6%7'3(8,='.2$7!.8'(W%,3(,=(9!2'(!&6%=3(
9,&,47!(9'.$7!$'2("!7!(!(9'4,7$%7!(8,(7/29'2(7,&!9/'.!8'2(9'=('(:!$'(
'=/$/8'('%(8,9&!7!8'(/.,>!$!=,.$,J(
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8,(9,22!0@'('%(PS(8/!2(!"L2(!(7,9,"0@'(",&'(F'=!8'7(8'(2,6%7'(8!("7'"'2$!(
8,(!&$,7!0@'3(9!2'(,2$,(.!8!(7,2"'.8!('%(!(7,5,/$,J(
dJ( _'(9!2'(7,:,7/8'(.'(.c=,7'(!.$,7/'73('("7A=/'(A(8,;'&;/8'(pro rata temporis
]"7'"'79/'.!&=,.$,(!'(",7#'8'(8,($,="'(.@'(8,9'77/8'(!$A(!'(;,.9/=,.$'(8'(
9'.$7!$'X(!$,.8,.8'(e(9'4,7$%7!(H!;/8!J(
OJ( C,3(!.$,2(8!(9,22!0@'('%(8!(!&$,7!0@'(8'(9'.$7!$'(8,(2,6%7'3('9'77,7(%=(
2/./2$7'(9%5!(;,7/-9!0@'('%(9'.2,W%Y.9/!2($,.H!=(2/8'(/.k%,.9/!8!2("'7(:!$'(
7,&!$/;!=,.$,(!'(W%!&($,.H!(H!;/8'('=/221,2('%(/.,>!$/81,2(.,6&/6,.$,2U(
!X( '(C,6%7!8'7(9'47,('(2/./2$7'(.!("7'"'70@'(8!(8/:,7,.0!(,.$7,('("7A=/'("!6'(
,('("7A=/'(W%,(2,7/!(8,;/8'3(9!2'3(!W%!.8'(8!(9,&,47!0@'(8'(9'.$7!$'3(
$/;,22,(9'.H,9/8'('(:!$'('=/$/8'('%(8,9&!7!8'(/.,>!9$!=,.$,Z(
4X( '(C,6%7!8'73(8,='.2$7!.8'(W%,3(,=(9!2'(!&6%=3($,7/!(9,&,47!8'('(9'.$7!$'(
8,(2,6%7'(2,($/;,22,(9'.H,9/8'('(:!$'('=/$/8'('%(8,9&!7!8'(/.,>!$!=,.$,3(
.@'(9'47,('(2/./2$7'(,(-9!(!",.!2(;/.9%&!8'(e(8,;'&%0@'(8'("7A=/'J(
6
ARTIGO 10.º
AGRAVAMENTO DO RISCO
IJ( D(F'=!8'7(8'(2,6%7'('%3(W%!.8'(,>/6#;,&3('(C,6%7!8'3($Y=('(8,;,7(8,3(
8%7!.$,(!(,>,9%0@'(8'(9'.$7!$'3(.'("7!f'(8,(IO(8/!2(!(9'.$!7(8'(9'.H,9/=,.$'(
8'(:!$'3(9'=%./9!7(!'(C,6%7!8'7($'8!2(!2(9/79%.2$<.9/!2(W%,(!67!;,=('(
7/29'3(8,28,(W%,(,2$!23(9!2'(:'22,=(9'.H,9/8!2(",&'(C,6%7!8'7(!W%!.8'(8!(
9,&,47!0@'(8'(9'.$7!$'3($/;,22,=("'8/8'(/.k%/7(.!(8,9/2@'(8,(9'.$7!$!7('%(.!2(
condições do contrato.
2. No prazo de 30 dias a contar do momento em que tenha conhecimento do
!67!;!=,.$'(8'(7/29'3('(C,6%7!8'7("'8,U(
!X( !"7,2,.$!7(!'(F'=!8'7(8'(2,6%7'("7'"'2$!(8,(='8/-9!0@'(8'(9'.$7!$'(8,(
2,6%7'3(W%,(,2$,(8,;,(!9,/$!7('%(7,9%2!7(,=(/6%!&("7!f'3(-.8'('(W%!&(2,(
,.$,.8,(!"7';!8!(!(='8/-9!0@'("7'"'2$!Z(
4X( 7,2'&;,7('(9'.$7!$'(8,(2,6%7'3(8,='.2$7!.8'(W%,3(,=(9!2'(!&6%=3(9,&,47!(
9'.$7!$'2(W%,(9%47!=(7/29'2(9'=(!2(9!7!9$,7#2$/9!2(7,2%&$!.$,2(8,22,(
!67!;!=,.$'(8'(7/29'J(
dJ( M(7,2'&%0@'(8'(9'.$7!$'("7,;/2$!(.!(!&#.,!(4X(8'(.c=,7'(!.$,7/'73("7'8%f/7[(
,:,/$'2(IO(8/!2(!(9'.$!7(8!(8!$!(8,(,.;/'(8!(8,9&!7!0@'(8,(7,2'&%0@'(!'(
Tomador.
ARTIGO 11.º
SINISTRO E AGRAVAMENTO DO RISCO
1. Se antes da cessação ou da alteração do contrato, nos termos previstos no
M7$JN(ISJN(8,2$!2( '.8/01,2(a,7!/23('9'77,7('(2/./2$7'(9%5!(;,7/-9!0@'('%(
9'.2,W%Y.9/!($,.H!(2/8'(/.k%,.9/!8!(",&'(!67!;!=,.$'(8'(7/29'3('(C,6%7!8'7U(
!X( 9'47,('(2/./2$7'3(,:,$%!.8'(!("7,2$!0@'(9'.;,.9/'.!8!3(2,('(!67!;!=,.$'(
tiver sido correta e tempestivamente comunicado antes do sinistro ou antes
8,(8,9'77/8'('("7!f'("7,;/2$'(.'(.JN(I(8'(M7$JN(ISJN(8,2$!2( '.8/01,2(a,7!/2Z(
4X( 9'47,("!79/!&=,.$,('(2/./2$7'3(7,8%f/.8'K2,(!(2%!("7,2$!0@'(.!("7'"'70@'(
,.$7,('("7A=/'(,:,$/;!=,.$,(9'47!8'(,('(W%,(2,7/!(8,;/8'(,=(:%.0@'(8!2(
7,!/2(9/79%.2$<.9/!2(8'(7/29'3(2,('(!67!;!=,.$'(.@'($/;,7(2/8'(9'77,9$!(,(
$,=",2$/;!=,.$,(9'=%./9!8'(!.$,2(8'(2/./2$7'Z(
9X( "'8,(7,9%2!7(!(9'4,7$%7!(,=(9!2'(8,(9'="'7$!=,.$'(8'&'2'(8'(F'=!8'7(
8'(2,6%7'('%(8'(C,6%7!8'(9'=('("7'"L2/$'(8,('4$,7(%=!(;!.$!6,=3(
=!.$,.8'('(8/7,/$'(!'2("7A=/'2(;,.9/8'2J(
PJ( _!(2/$%!0@'("7,;/2$!(.!2(!&#.,!2(!X(,(4X(8'(.c=,7'(!.$,7/'73(2,.8'('(
!67!;!=,.$'(8'(7/29'(7,2%&$!.$,(8,(:!$'(8'(F'=!8'7(8'(2,6%7'('%(8'(
C,6%7!8'3('(C,6%7!8'7(.@'(,2$[('47/6!8'(!'("!6!=,.$'(8!("7,2$!0@'(2,(
8,='.2$7!7(W%,3(,=(9!2'(!&6%=3(9,&,47!(9'.$7!$'2(W%,(9%47!=(7/29'2(9'=(!2(
9!7!9$,7#2$/9!2(7,2%&$!.$,2(8,22,(!67!;!=,.$'(8'(7/29'J(
CAPÍTULO III
PAGAMENTO E ALTERAÇÃO DOS PRÉMIOS
ARTIGO 12.º
VENCIMENTO DOS PRÉMIOS
&#% 1%>6=4!%"4"6=%6%H656!%4;%<!6-D4%,+,8,6=%M%7)>,74%+6%76"6%76%8)=)2!6-D4%74%84+"!6"4#%
0#%
/%<!6-.)/%/)5;,+")/%74%>6=4!%"4"6=%6%H656!X%4%>6=4!%"4"6=%6%H656!%7)%6+;,767)/%/;2/)];)+")/%
)%6/%/;8)//,>6/%<!6-.)/%7)/")%/D4%7)>,74/%+6/%76"6/%)/"62)=)8,76/%+4%84+"!6"4#%
9#%
%H6!")%74%>6=4!%"4"6=%6%H656!%7)%E4+"6+")%>6!,Z>)=%!)=6",>6%6%68)!"4%7)%>6=4!%4;X%6%H6!")%
74%H!ME,4%84!!)/H4+7)+")%6%6=")!6-.)/%64%84+"!6"4%/D4%7)>,76/%+6/%76"6/%,+7,8676/%+4/%
!)/H)",>4/%6>,/4/#%
7
ARTIGO 13.º
COBERTURA
%842)!";!6%74/%!,/84/%7)H)+7)%74%H!M>,4%H656E)+"4%74%>6=4!%"4"6=%6%H656!#%
ARTIGO 14.º
AVISO DO PAGAMENTO DOS PRÉMIOS
&#% g6%>,5V+8,6%74%84+"!6"4X%4%K)5;!674!%7)>)%6>,/6!%H4!%)/8!,"4%4%S4E674!%74%/)5;!4%
74%E4+"6+")%6%H656!X%6//,E%84E4%76%<4!E6%)%74%=;56!%7)%H656E)+"4X%84E%;E6%
6+")8)7V+8,6%EQ+,E6%7)%9J%7,6/%)E%!)=6-D4%[%76"6%)E%];)%/)%>)+8)%4%>6=4!%"4"6=%6%H656!X%
4;%<!6-.)/%7)/")#%
0#% (4%6>,/4%7)>)E%84+/"6!X%7)%E474%=)5Q>)=X%6/%84+/)];V+8,6/%76%<6="6%7)%H656E)+"4%74%
>6=4!%"4"6=%6%H656!%4;%7)%/;6%<!6-D4#%
9#% g4/%84+"!6"4/%7)%/)5;!4%)E%];)%/)36%84+>)+8,4+674%4%H656E)+"4%74%>6=4!%"4"6=%6%
H656!%)E%<!6-.)/%7)%H)!,47,8,767)%,5;6=%4;%,+<)!,4!%6%9%E)/)/%)%)E%8;36%748;E)+"6-D4%
84+"!6";6=%/)%,+7,];)E%6/%76"6/%7)%>)+8,E)+"4%76/%/;8)//,>6/%<!6-.)/%74%>6=4!%"4"6=%6%
H656!%)%4/%!)/H)",>4/%>6=4!)/%6%H656!X%2)E%84E4%6/%84+/)];V+8,6/%74%/);%+D4%H656E)+"4X%
4%K)5;!674!%H47)%4H"6!%H4!%+D4%)+>,6!%4%6>,/4%!)<)!,74%+4%+#$%&X%862)+74^=W)X%
+)//)%86/4X%6%H!4>6%76%)E,//D4X%76%68),"6-D4%)%74%)+>,4%64%S4E674!%74%/)5;!4%76%
748;E)+"6-D4%84+"!6";6=%!)<)!,76%+)/")%+fE)!4#%
ARTIGO 15.º
FALTA DE PAGAMENTO DOS PRÉMIOS
IJ( M(:!&$!(8,("!6!=,.$'(8'(;!&'7($'$!&(!("!6!7(/./9/!&3('%(8!("7/=,/7!(:7!0@'(
deste, na data do vencimento, determina a resolução automática do contrato a
"!7$/7(8!(8!$!(8!(2%!(9,&,47!0@'J(
PJ( M(:!&$!(8,("!6!=,.$'(8'(;!&'7($'$!&(!("!6!7(8,(!.%/8!8,2(2%42,W%,.$,23('%(
8!("7/=,/7!(:7!0@'(8,2$,3(.!(8!$!(8'(;,.9/=,.$'3(/=",8,(!("7'77'6!0@'(8'(
contrato.
dJ( M(:!&$!(8,("!6!=,.$'(8,$,7=/.!(!(7,2'&%0@'(!%$'=[$/9!(8'(9'.$7!$'(.!(8!$!(
8'(;,.9/=,.$'(8,U(
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4X( %=(;!&'7($'$!&(!("!6!7(8,(!9,7$'('%("!7$,(8,(%=(;!&'7($'$!&(!("!6!7(8,(
='.$!.$,(;!7/[;,&Z(
9X( %=(;!&'7($'$!&(!("!6!7(!8/9/'.!&(7,2%&$!.$,(8,(%=!(='8/-9!0@'(8'(9'.$7!$'(
:%.8!8!(.%=(!67!;!=,.$'(2%",7;,./,.$,(8'(7/29'J(
OJ( D(.@'("!6!=,.$'3(!$A(e(8!$!(8'(;,.9/=,.$'3(8,(%=(;!&'7($'$!&(!("!6!7(
!8/9/'.!&(7,2%&$!.$,(8,(%=!(='8/-9!0@'(9'.$7!$%!&(8,$,7=/.!(!(/.,-9[9/!(8!(
!&$,7!0@'3(2%42/2$/.8'('(9'.$7!$'(9'=('(<=4/$'(,(.!2(9'.8/01,2(W%,(;/6'7!;!=(
!.$,2(8!("7,$,.8/8!(='8/-9!0@'3(!(=,.'2(W%,(!(2%42/2$Y.9/!(8'(9'.$7!$'(2,(
revele impossível, caso em que se considera resolvido na data do vencimento
8'("7A=/'(.@'("!6'J(
ARTIGO 16.º
ALTERAÇÃO DO PRÉMIO
(O N.º 2 DO ART.º 16.º SÓ É APLICÁVEL ÀS COBERTURAS
DE RESPONSABILIDADE CIVIL, CHOQUE, COLISÃO OU CAPOTAMENTO,
INCÊNDIO, RAIO OU EXPLOSÃO E FURTO OU ROUBO)
&#% gD4%W6>)+74%6=")!6-D4%74%!,/84X%];6=];)!%6=")!6-D4%74%H!ME,4%6H=,8Z>)=%64%84+"!6"4%
6H)+6/%H47)!Z%)<)",>6!^/)%+4%>)+8,E)+"4%6+;6=%/)5;,+")#%
0#%
%6=")!6-D4%74%H!ME,4%H4!%6H=,86-D4%76/%24+,*86-.)/%H4!%6;/V+8,6%7)%/,+,/"!4/%4;%74/%
65!6>6E)+"4/%H4!%/,+,/"!6=,767)X%!)5;=674/%+4%:6HQ";=4%LGGG%i 5!6>6E)+"4/%)%24+,*86-.)/%
H4!%/,+,/"!6=,767)j%M%6H=,8676%+4%>)+8,E)+"4%/)5;,+")%[%76"6%7)%84+/"6"6-D4%74%<6"4#%
8
CAPÍTULO IV
INÍCIO DE EFEITOS, DURAÇÃO E VICISSITUDES
DO CONTRATO
ARTIGO 17.º
INÍCIO DA COBERTURA E DE EFEITOS
D("7,2,.$,(9'.$7!$'("7'8%f('2(2,%2(,:,/$'2(!("!7$/7(8'(8/!(,(H'7!(7,6/2$!8'(.'(
8'9%=,.$'(9'="7';!$/;'(8'(2,6%7'('%(.!(!%2Y.9/!(8,(/.8/9!0@'(8,(H'7!(e2(f,7'(
H'7!2(8!(8!$!(/.#9/'(7,6/2$!8!(.!2( '.8/01,2(?!7$/9%&!7,23(!$,.8,.8'(!'("7,;/2$'(
.'(M7$JN(IdJN(8,2$!2( '.8/01,2(a,7!/2J(
ARTIGO 18.º
DURAÇÃO DO CONTRATO
IJ( M2( '.8/01,2(?!7$/9%&!7,2(,2$!4,&,9,=(2,('(9'.$7!$'(A(9,&,47!8'("'7(%=(
",7#'8'(9,7$'(,(8,$,7=/.!8'(]2,6%7'($,="'7[7/'X('%("'7(I(]%=X(!.'(!(
9'.$/.%!7(",&'2(!.'2(2,6%/.$,2J(
PJ( D2(,:,/$'2(8'(9'.$7!$'(9,22!=(e2(PO(H'7!2(8'(c&$/='(8/!(8'(2,%("7!f'J(
dJ( l%!.8'('(9'.$7!$'(:'7(9,&,47!8'("'7(I(]%=X(!.'(!(9'.$/.%!7(",&'2(2,6%/.$,23(
considera-se sucessivamente renovado por períodos que, salvo convenção em
9'.$7[7/'(.!2( '.8/01,2(?!7$/9%&!7,23(2,7@'(!.%!/23(,>9,$'(2,(W%!&W%,7(8!2(
"!7$,2('(8,.%.9/!7("'7(=,/'(8'(W%!&(-W%,(7,6/2$'(,297/$'3(9'=(!(!.$,9,8Y.9/!(
mínima de 30 dias em relação ao termo da anuidade ou se o Tomador do
2,6%7'(.@'("7'9,8,7(!'("!6!=,.$'(8'("7A=/'J(
ARTIGO 19.º
RESOLUÇÃO DO CONTRATO
IJ( D(9'.$7!$'("'8,(2,7(7,2'&;/8'(",&!2("!7$,2(!($'8'('($,="'3(H!;,.8'(5%2$!(
9!%2!3(=,8/!.$,(9'77,/'(7,6/2$!8'3('%("'7('%$7'(=,/'(8'(W%!&(-W%,(7,6/2$'(
,297/$'3(,(W%,(2,7[(,-9!f(IO(8/!2(!"L2('(,.;/'J(
PJ( D(C,6%7!8'7(.@'("'8,(/.;'9!7(!('9'77Y.9/!(8,(2/./2$7'(9'='(9!%2!(7,&,;!.$,(
para o efeito previsto no número anterior.
dJ( D(='.$!.$,(8'("7A=/'(!(8,;'&;,7(!'(F'=!8'7(8'(2,6%7'(,=(9!2'(8,(9,22!0@'(
!.$,9/"!8!(8'(9'.$7!$'(A(9!&9%&!8'("7'"'79/'.!&=,.$,(!'(",7#'8'(8,($,="'(
W%,(8,9'77,7/!(8!(8!$!(8!(9,22!0@'(8!(9'4,7$%7!(!$A(!'(;,.9/=,.$'(8'(
9'.$7!$'3(2!&;'(9'.;,.0@'(,=(9'.$7[7/'(.'2($,7='2(&,6!/2J(
OJ( C,="7,(W%,('(9'.$7!$'(:'7(7,2'&;/8'3('(F'=!8'7(8'(2,6%7'(8,;'&;,(!'(
C,6%7!8'7('(9,7$/-9!8'(,('(8#2$/9'(9'="7';!$/;'2(8!(,>/2$Y.9/!(8,(2,6%7'3(2,(
estes tiverem data de validade posterior à da resolução, no prazo de 8 dias a
contar do momento em que aquela produziu efeitos.
hJ( M(8,;'&%0@'(8'2(8'9%=,.$'2("7,;/2$'2(.'(.c=,7'(!.$,7/'7(:%.9/'.!(9'='(
9'.8/0@'(2%2",.2/;!(8!(8,;'&%0@'(8'("7A=/'3(2!&;'(='$/;'(!$,.8#;,&(W%,(
impeça a devolução.
iJ( M(7,2'&%0@'(8'(9'.$7!$'("7'8%f('2(2,%2(,:,/$'2(e2(PO(H'7!2(8'(8/!(,=(W%,(2,5!(
,-9!fJ(
TJ( C,="7,(W%,('(F'=!8'7(8'(2,6%7'(.@'(9'/.9/8!(9'=('(C,6%7!8'3('(C,6%7!8'7(
8,;,(!;/2!7('(C,6%7!8'(8!(7,2'&%0@'(8'(9'.$7!$'(&'6'(W%,("'22#;,&3(.'(=[>/='(
!$A(PS(8/!2(!"L2(!(.@'(7,.';!0@'('%(7,2'&%0@'J(
8. O previsto nos n.os(I3(d3(i(,(T(8'("7,2,.$,(M7$/6'(A(!"&/9[;,&(e(7,8%0@'(8'(
9'.$7!$'(",&'(F'=!8'7(8'(2,6%7'3(8,28,(W%,(.@'(9'.8%f!(e(->!0@'(8,(9!"/$!/2(
2,6%7'2(/.:,7/'7,2(!'2(=#./='2(&,6!/2J(
QJ( M(7,2'&%0@'(8'(9'.$7!$'("7'8%f(,:,/$'2(Ih(8/!2(!(9'.$!7(8!(8!$!(8,(,.;/'(8!(
declaração nesse sentido, nos termos previstos nos números anteriores.
9
ARTIGO 20.º
ALIENAÇÃO DO VEÍCULO
IJ( D(9'.$7!$'(8,(2,6%7'(.@'(2,($7!.2=/$,(,=(9!2'(8,(!&/,.!0@'(8'(;,#9%&'3(
9,22!.8'('2(2,%2(,:,/$'2(e2(PO(H'7!2(8'("7L"7/'(8/!(8!(!&/,.!0@'3(2!&;'(2,(:'7(
%$/&/f!8'(",&'("7L"7/'(F'=!8'7(8'(2,6%7'("!7!(2,6%7!7(.';'(;,#9%&'J(
PJ( D(F'=!8'7(8'(2,6%7'(!;/2!('(C,6%7!8'73("'7(,297/$'3(8!(!&/,.!0@'(8'(;,#9%&'3(
.!2(PO(H'7!2(2,6%/.$,2(e(=,2=!3(8,;,.8'(5%.$!7('(9,7$/-9!8'("7';/2L7/'(8'(
2,6%7'3('(9,7$/-9!8'(8,(7,2"'.2!4/&/8!8,(9/;/&('%('(!;/2'K7,9/4'(,('(9,7$/-9!8'(
/.$,7.!9/'.!&(8,(2,6%7'(]9!7$!(;,78,XJ(
dJ( _!(:!&$!(8,(9%="7/=,.$'(8!('47/6!0@'(8,(!;/2'("7,;/2$!(.'(.c=,7'(!.$,7/'73(
'(C,6%7!8'7($,=(8/7,/$'(!(%=!(/.8,=./f!0@'(8,(;!&'7(/6%!&(!'(='.$!.$,(8'(
"7A=/'(9'77,2"'.8,.$,(!'(",7#'8'(8,($,="'(W%,(8,9'77,(,.$7,('(='=,.$'(
8!(!&/,.!0@'(8'(;,#9%&'(,('($,7='(8!(!.%/8!8,(8'(2,6%7'(,=(W%,(,2$!(2,(
;,7/-W%,3(2,=("7,5%#f'(8,($,7,=(9,22!8'('2(,:,/$'2(8'(9'.$7!$'3(.'2($,7='2(8'(
8/2"'2$'(.'(.JN(I(8'("7,2,.$,(M7$/6'J(
OJ( _!(9'=%./9!0@'(8!(!&/,.!0@'(8'(;,#9%&'(!'(C,6%7!8'73('(F'=!8'7(8'(2,6%7'(
"'8,(2'&/9/$!7(!(2%2",.2@'(8'2(,:,/$'2(8'(9'.$7!$'3(!$A(e(2%42$/$%/0@'(8'(
;,#9%&'3(9'=("7'77'6!0@'(8'("7!f'(8,(;!&/8!8,(8!(M"L&/9,J(
hJ( _@'(2,(8!.8'(!(2%42$/$%/0@'(8'(;,#9%&'(8,.$7'(8,(IPS(8/!2(9'.$!8'2(8!(8!$!(8'(
",8/8'(8,(2%2",.2@'3(.@'(H[(&%6!7(e("7'77'6!0@'(8'("7!f'3(",&'(W%,('(9'.$7!$'(
9'.2/8,7!K2,(7,2'&;/8'(8,28,(!(8!$!(8'(/.#9/'(8!(2%2",.2@'3(2,.8'('("7A=/'(!(
8,;'&;,7(",&'(C,6%7!8'7(9!&9%&!8'(8,(!9'78'(9'=('(.JN(d(8'(M7$/6'(!.$,7/'7J(
ARTIGO 21.º
TRANSMISSÃO DE DIREITOS
K6=>4%84+>)+-D4%)E%84+"!Z!,4%+6/%:4+7,-.)/%T6!",8;=6!)/X%4%<6=)8,E)+"4%74%S4E674!%74%
/)5;!4%+D4%<6`%867;86!%4%84+"!6"4X%/;8)7)+74%4/%/);/%W)!7),!4/%+4/%!)/H)",>4/%7,!),"4/%)%
42!,56-.)/%+4/%")!E4/%76%=),#%
CAPÍTULO V
PROVA DO SEGURO
ARTIGO 22.º
PROVA DO SEGURO
&#% :4+/",";,%748;E)+"4%84EH!4>6",>4%74%H!)/)+")%84+"!6"4%7)%/)5;!4k%
6j% !)=6",>6E)+")%6%>)Q8;=4/%84E%)/"68,4+6E)+"4%W62,";6=%)E%T4!";56=X%4%8)!",*8674%
,+")!+68,4+6=%7)%/)5;!4%i86!"6%>)!7)jX%4%8)!",*8674%H!4>,/B!,4X%4%6>,/4^!)8,24X%4;%4%
8)!",*8674%7)%!)/H4+/62,=,767)%8,>,=X%];6+74%>Z=,74/q%
2j% !)=6",>6E)+")%6%>)Q8;=4/%84E%)/"68,4+6E)+"4%W62,";6=%<4!6%74%")!!,"B!,4%74%@/H6-4%
@84+BE,84%@;!4H);X%4/%748;E)+"4/%H!)>,/"4/%+6%6=Q+)6%6+")!,4!%)%6,+76%4%8)!",*8674%
7)%/)5;!4%7)%<!4+"),!6X%];6+74%>Z=,74#%
0#% S!6"6+74^/)%7)%84+"!6"4%8;34%H656E)+"4%74%H!ME,4%/)%)<)";)%)E%<!6-.)/%,+<)!,4!)/%64%
];67!,E)/"!)%)%!)=6",>6E)+")%64%];6=%4%K)5;!674!%")+W6%4H"674%H)=4%!)5,E)%7)%)E,//D4%
6;"4EZ",86%6H)+6/%7)%8)!",*8674/%H!4>,/B!,4/X%4%S4E674!%74%/)5;!4%")E%4%7,!),"4%7)%
/4=,8,"6!%6%)E,//D4%74%8)!",*8674%,+")!+68,4+6=%7)%/)5;!4X%];)%/)!Z%)E,",74%)E%O%7,6/%
f"),/%)%/)E%)+86!54/%67,8,4+6,/#%
ARTIGO 23.º
INTERVENÇÃO DE MEDIADOR DE SEGUROS
&#% g)+W;E%E)7,674!%7)%/)5;!4/%/)%H!)/;E)%6;"4!,`674%6X%)E%+4E)%74%K)5;!674!X%8)=)2!6!%
4;%)A",+5;,!%84+"!6"4/%7)%/)5;!4X%6%84+"!6,!%4;%6=")!6!%6/%42!,56-.)/%7)=)/%)E)!5)+")/%4;%
6%>6=,76!%7)8=6!6-.)/%67,8,4+6,/X%/6=>4%4%7,/H4/"4%+4/%+fE)!4/%/)5;,+")/#%
0#% T47)%8)=)2!6!%84+"!6"4/%7)%/)5;!4X%84+"!6,!%4;%6=")!6!%6/%42!,56-.)/%7)=)/%)E)!5)+")/%4;%
>6=,76!%7)8=6!6-.)/%67,8,4+6,/X%)E%+4E)%74%K)5;!674!X%4%E)7,674!%7)%/)5;!4/%64%];6=%4%
K)5;!674!%")+W6%84+<)!,74X%H4!%)/8!,"4X%4/%+)8)//Z!,4/%H47)!)/#%
10
9#%gD4%42/"6+")%6%86!V+8,6%7)%H47)!)/%)/H)8Q*84/%H6!6%4%)<),"4%76%H6!")%74%E)7,674!%7)%
/)5;!4/X%4%/)5;!4%84+/,7)!6^/)%)*86`%];6+74%)A,/"6E%!6`.)/%H4+7)!4/6/X%423)",>6E)+")%
6H!)8,676/X%")+74%)E%84+"6%6/%8,!8;+/"l+8,6/%74%86/4X%];)%3;/",*];)E%6%84+*6+-6%74%
S4E674!%74%/)5;!4%7)%246%<M%+6%=)5,",E,767)%74%E)7,674!X%7)/7)%];)%4%K)5;!674!%")+W6%
,5;6=E)+")%84+"!,2;Q74%H6!6%<;+76!%6%84+*6+-6%74%S4E674!%74%/)5;!4#%
CAPÍTULO VI
PRESTAÇÃO PRINCIPAL DO SEGURADOR
ARTIGO 24.º
LIMITES DA PRESTAÇÃO
IJ( M(7,2"'.2!4/&/8!8,(8'(C,6%7!8'7(A(2,="7,(&/=/$!8!(e(/="'7$<.9/!(=[>/=!(
->!8!(.!2( '.8/01,2(?!7$/9%&!7,2(8!(M"L&/9,3(2,5!(W%!&(:'7('(.c=,7'(8,(
pessoas lesadas por um sinistro, e corresponde, em cada momento, pelo
=,.'2(!'(9!"/$!&(=#./='('47/6!$L7/'J(
PJ( C!&;'(9'.;,.0@'(,=(9'.$7[7/'3(,2$!4,&,9/8!(.!2( '.8/01,2(?!7$/9%&!7,2U(
!X( W%!.8'(!(/.8,=./f!0@'(!$7/4%#8!(!'2(&,2!8'2(:'7(/6%!&('%(,>9,8,7('(9!"/$!&(
2,6%7'3('(C,6%7!8'7(.@'(7,2"'.8,(",&!2(8,2",2!2(5%8/9/!/2Z(
4X( W%!.8'(!(/.8,=./f!0@'(!$7/4%#8!(!'2(&,2!8'2(:'7(/.:,7/'73('(C,6%7!8'7(
7,2"'.8,(",&!(/.8,=./f!0@'(,(",&!2(=,2=!2(8,2",2!2(!$A(!'(&/=/$,(8'(
9!"/$!&(2,6%7'Z(
9X( '(F'=!8'7(8'(2,6%7'('47/6!K2,(!(7,,=4'&2!7(",&!2(8,2",2!2(5%8/9/!/2(,=(W%,(
,2$!($/;,7(/.9'77/8'3(8,28,(W%,3(5%.$!=,.$,(9'=(!(/.8,=./f!0@'(!$7/4%#8!3(
,>9,8!=(!(/="'7$<.9/!(=[>/=!(->!8!(.!2( '.8/01,2(?!7$/9%&!7,2(8!(M"L&/9,(
e as mesmas tenham ocorrido com o seu conhecimento.
ARTIGO 25.º
FRANQUIA
IJ( V,8/!.$,(9'.;,.0@'(,>"7,22!3("'8,(-9!7(!(9!76'(8'(F'=!8'7(8'(2,6%7'('%(8'(
C,6%7!8'(%=!("!7$,(8!(/.8,=./f!0@'(8,;/8!(!($,79,/7'23(.@'(2,.8'3("'7A=3(
,2$!(&/=/$!0@'(8,(6!7!.$/!('"'.#;,&(!(,2$,2J(
PJ( '=",$,(!'(C,6%7!8'73(,=(9!2'(8,(",8/8'(8,(/.8,=./f!0@'(8,($,79,/7'23(
7,2"'.8,7(/.$,67!&=,.$,(",&!(/.8,=./f!0@'(8,;/8!3(2,=("7,5%#f'(8'(8/7,/$'(
!(2,7(7,,=4'&2!8'(",&'('47/6!8'(.'2($,7='2("7,;/2$'2(.'(.JN(I(8'(;!&'7(8!(
franquia aplicada.
ARTIGO 26.º
PLURALIDADE DE SEGUROS
g4%86/4%7)X%!)=6",>6E)+")%64%E)/E4%>)Q8;=4X%)A,/",!)E%>Z!,4/%/)5;!4/X%!)/H4+7)X%)E%
H!,E),!4%=;56!%)X%H6!6%"474/%4/%)<),"4/%=)56,/X%4%/)5;!4%7)%H!4>6/%7)/H4!",>6/%4;X%)E%86/4%7)%
,+)A,/"V+8,6%7)/")X%4%/)5;!4%7)%56!65,/"6%4;X%)E%86/4%7)%,+)A,/"V+8,6%7)/")/%74,/X%4%/)5;!4%
7)%6;"4E42,=,/"6%4;X%)E%86/4%7)%,+)A,/"V+8,6%7)/")/%"!V/X%4%84+"!6"4%!)/,7;6=X%8)=)2!674%+4/%
")!E4/%74%+#$%0%74% !"#$%?#$%74%7)8!)"4^=),%+#$%0I&_0JJCX%7)%0&%7)%654/"4X%4;X%)E%86/4%7)%
,+)A,/"V+8,6%7)/")/%];6"!4X%4%/)5;!4%74%H!4H!,)"Z!,4%74%>)Q8;=4X%4;%74/%4;"!4/%/;3),"4/%76%
42!,56-D4%7)%/)5;!6!#%
ARTIGO 27.º
INSUFICIÊNCIA DE CAPITAL
&#% K)%)A,/",!)E%>Z!,4/%=)/674/%H)=4%E)/E4%/,+,/"!4%84E%7,!),"4%6%,+7)E+,`6-.)/%];)X%+6%
/;6%5=426=,767)X%)A8)76E%4%E4+"6+")%74%86H,"6=%/)5;!4X%4/%7,!),"4/%74/%=)/674/%84+"!6%4%
K)5;!674!%!)7;`)E^/)%H!4H4!8,4+6=E)+")%6"M%[%84+84!!V+8,6%76];)=)%E4+"6+")#%
0#% 1%K)5;!674!%];)X%7)%246%<M%)%H4!%7)/84+W)8,E)+"4%76%)A,/"V+8,6%7)%4;"!6/%H!)")+/.)/X%
",>)!%=,];,7674%6%;E%=)/674%;E6%,+7)E+,`6-D4%7)%>6=4!%/;H)!,4!%[%];)%=W)%84EH)",!,6X%+4/%
")!E4/%74%+fE)!4%6+")!,4!X%+D4%*86%42!,5674%H6!6%84E%4/%4;"!4/%=)/674/%/)+D4%6"M%[%
84+84!!V+8,6%76%H6!")%!)/"6+")%74%86H,"6=%/)5;!4#
11
CAPÍTULO VII
OBRIGAÇÕES E DIREITOS DAS PARTES
ARTIGO 28.º
OBRIGAÇÕES DO TOMADOR DO SEGURO E DO SEGURADO
IJ( G=(9!2'(8,(2/./2$7'(9'4,7$'(",&'("7,2,.$,(9'.$7!$'3('(F'=!8'7(8'(2,6%7'('%('(
C,6%7!8'3(2'4(",.!(8,(7,2"'.8,7("'7(",78!2(,(8!.'23('47/6!=K2,U(
!X( !(9'=%./9!7($!&(:!$'3("'7(,297/$'3(!'(C,6%7!8'73(.'(=!/2(9%7$'("7!f'(8,(
$,="'("'22#;,&3(.%.9!(2%",7/'7(!(j(8/!2(!(9'.$!7(8'(8/!(8!('9'77Y.9/!('%(8'(
dia em que tenha conhecimento da mesma, fornecendo todas as indicações
e provas documentais e ou testemunhais relevantes para uma correta
8,$,7=/.!0@'(8!2(7,2"'.2!4/&/8!8,2Z(
4X( !($'=!7(!2(=,8/8!2(!'(2,%(!&9!.9,(.'(2,.$/8'(8,(,;/$!7('%(&/=/$!7(!2(
9'.2,W%Y.9/!2(8'(2/./2$7'Z(
9X( !("7,2$!7(!'(C,6%7!8'7(!2(/.:'7=!01,2(7,&,;!.$,2(W%,(,2$,(2'&/9/$,(7,&!$/;!2(
!'(2/./2$7'(,(e2(2%!2(9'.2,W%Y.9/!2J(
2. A comunicação do sinistro, prevista na alínea a) do número anterior, deve
2,7(:,/$!(,=(/="7,22'("7L"7/'(:'7.,9/8'(",&'(C,6%7!8'7('%(8/2"'.#;,&(.'(2,%(
sítio na internet, ou por qualquer outro meio de comunicação que possa ser
%$/&/f!8'(2,=(!("7,2,.0!(:#2/9!(,(2/=%&$<.,!(8!2("!7$,23(8,28,(W%,(8,&!(-W%,(
7,6/2$'(,297/$'('%(67!;!8'J(
dJ( M(7,2"'.2!4/&/8!8,("'7(",78!2(,(8!.'2("7,;/2$!(.'(.JN(I(8'("7,2,.$,(M7$/6'(
.@'(A(!"&/9[;,&(W%!.8'('(C,6%7!8'7($/;,7(9'.H,9/=,.$'(8'(2/./2$7'("'7(
'%$7'(=,/'(8%7!.$,('2(j(8/!2("7,;/2$'2(.!(7,2",$/;!(!&#.,!(!X3('%('('47/6!8'(
à comunicação prove que não poderia razoavelmente ter procedido à
comunicação devida em momento anterior àquele em que o fez.
N#% 1%S4E674!%74%/)5;!4%)%4%K)5;!674%+D4%H47)EX%/42%H)+6%7)%!)/H4+7)!)E%H4!%H)!76/%)%76+4/k%
6j% 624+6!%)A"!63;7,8,6=E)+")%6%,+7)E+,`6-D4%!)8=6E676%4;%67,6+"6!%7,+W),!4X%H4!%84+"6X%
)E%+4E)%4;%/42%6%!)/H4+/62,=,767)%74%K)5;!674!X%/)E%6%/;6%)AH!)//6%6;"4!,`6-D4q%
2j% 76!%486/,D4X%6,+76%];)%H4!%4E,//D4%4;%+)5=,5V+8,6X%6%/)+")+-6%<6>4!Z>)=%6%")!8),!4%
4;X%];6+74%+D4%7)!%,E)7,6"4%84+W)8,E)+"4%64%K)5;!674!X%6%];6=];)!%H!48)7,E)+"4%
3;7,8,6=%,+")+"674%84+"!6%)=)%H4!%E4",>4%7)%/,+,/"!4%6%842)!"4%76% HB=,8)#%
8j% H!)3;7,86!%4%7,!),"4%7)%/;2^!456-D4%74%K)5;!674!%+4/%7,!),"4/%74%K)5;!674%84+"!6%4%
")!8),!4%!)/H4+/Z>)=%H)=4%/,+,/"!4X%7)84!!)+")%76%842)!";!6%74%/,+,/"!4%H4!%6];)=)#%
ARTIGO 29.º
OBRIGAÇÃO DE REEMBOLSO PELO SEGURADOR
DAS DESPESAS HAVIDAS COM O AFASTAMENTO
E MITIGAÇÃO DO SINISTRO
IJ( D(C,6%7!8'7("!6!(!'(F'=!8'7(8'(2,6%7'('%(!'(C,6%7!8'(!2(8,2",2!2(
,:,$%!8!2(,=(9%="7/=,.$'(8'(8,;,7(->!8'(.!(!&#.,!(4X(8'(.JN(I(8'(M7$/6'(
anterior, desde que razoáveis e proporcionadas, ainda que os meios
,="7,6!8'2(2,(7,;,&,=(/.,-9!f,2J(
PJ( M2(8,2",2!2(/.8/9!8!2(.'(.c=,7'(!.$,7/'7(8,;,=(2,7("!6!2(",&'(C,6%7!8'7(
!.$,9/"!8!=,.$,(e(8!$!(8!(7,6%&!7/f!0@'(8'(2/./2$7'3(W%!.8'('(F'=!8'7(8'(
2,6%7'('%('(C,6%7!8'(,>/5!('(7,,=4'&2'3(!2(9/79%.2$<.9/!2('(.@'(/=",0!=(,('(
2/./2$7'(,2$,5!(9'4,7$'(",&'(2,6%7'J(
dJ( D(;!&'7(8,;/8'(",&'(C,6%7!8'7(.'2($,7='2(8'(.JN(I(8'("7,2,.$,(M7$/6'(A(
8,8%f/8'(!'(='.$!.$,(8'(9!"/$!&(2,6%7'(8/2"'.#;,&3(2!&;'(2,(9'77,2"'.8,7(
a despesas efetuadas em cumprimento de determinações concretas do
C,6%7!8'7('%(!(2%!(9'4,7$%7!(!%$L.'=!(7,2%&$!7(8'(9'.$7!$'J(
ARTIGO 30.º
OBRIGAÇÕES DO SEGURADOR
&#% 1%K)5;!674!%/;2/",";,%4%K)5;!674%+6%!)5;=6!,`6-D4%6E,5Z>)=%4;%=,",5,4/6%7)%];6=];)!%
/,+,/"!4%];)X%64%62!,54%74%H!)/)+")%84+"!6"4X%484!!6%7;!6+")%4%H)!Q474%7)%>,5V+8,6%
12
74%E)/E4X%/;3),"6+74^/)X%H6!6%4%)<),"4X%[%6-D4%7,!)"6%7)%")!8),!4/%=)/674/%4;%
!)/H)",>4/%W)!7),!4/#%
0#% 1%K)5;!674!%+4",*86%4%S4E674!%74%/)5;!4%76/%!)8=6E6-.)/%6H!)/)+"676/%H4!%")!8),!4/X%
E)+8,4+6+74%)AH!)//6E)+")%];)X%86/4%+D4%)<)";)%6%H6!",8,H6-D4%7)%/,+,/"!4X%=W)%/)!Z%
6H=,8Z>)=%6%/6+-D4%H!)>,/"6%+6%H6!")%*+6=%74%+#$%9%74% !"#$%9N#$%74%7)8!)"4^=),%+#$%
0I&_0JJCX%7)%0&%7)%654/"4X%4;%4;"!6%H!)>,/"6%+6/%:4+7,-.)/%@/H)8,6,/%)%T6!",8;=6!)/#%
9#% 1%K)5;!674!%H!)/"6%64%S4E674!%74%/)5;!4%)%64%K)5;!674%4/%)/8=6!)8,E)+"4/%
+)8)//Z!,4/%64%84!!)8"4%)+")+7,E)+"4%74/%H!48)7,E)+"4/%6%674H"6!%)E%86/4%7)%/,+,/"!4X%
7,/H4+,2,=,`6+74%,+<4!E6-D4%)/8!,"6%];6+"4%64/%H!6`4/%6%];)%/)%84EH!4E)")X%")+74%)E%
84+"6%6%",H4=45,6%74/%/,+,/"!4/#%
ARTIGO 31.º
CÓDIGOS DE CONDUTA, CONVENÇÕES OU ACORDOS
1%K)5;!674!X%,+<4!E6%4%S4E674!%74%/)5;!4%)%4%K)5;!674X%76%/;6%67)/D4%6%8B7,54%7)%
84+7;"6X%84+>)+-D4%4;%684!74%)+"!)%/)5;!674!)/%7)/",+674%[%!)5;=6!,`6-D4%74/%/,+,/"!4/X%
+4E)676E)+")%];)%6//)5;!)E%H!48)7,E)+"4/%E6,/%8M=)!)/X%,7)+",*86+74%4/%!)/H)",>4/%
/;2/8!,"4!)/%)X%2)E%6//,EX%H!)/"6+74%4/%)/8=6!)8,E)+"4/%+)8)//Z!,4/%4;%84+>)+,)+")/%64%
84!!)"4%)+")+7,E)+"4%76%/;6%6H=,86-D4#%
ARTIGO 32.º
DIREITO DE REGRESSO DO SEGURADOR
K6",/<),"6%6%,+7)E+,`6-D4X%4%K)5;!674!%6H)+6/%")E%7,!),"4%7)%!)5!)//4k%
6j% 84+"!6%4%86;/674!%74%68,7)+")%];)%4%")+W6%H!4>48674%74=4/6E)+")q%
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2j%74%H!)/)+")% !",54X%84+"!6%6%H)//46%!)/H4+/Z>)=%H)=6%5;6!76%8;36%+)5=,5V+8,6%")+W6%
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!)=6",>6E)+")%64%)/"674%)%84+7,-.)/%7)%/)5;!6+-6%74%>)Q8;=4X%+6%E)7,76%)E%];)%4%
68,7)+")%")+W6%/,74%H!4>48674%4;%65!6>674%H)=4%E6;%<;+8,4+6E)+"4%74%>)Q8;=4q%
3j% )E%)/H)8,6=%!)=6",>6E)+")%64%H!)>,/"4%+6%6=Q+)6%6+")!,4!X%84+"!6%4%!)/H4+/Z>)=%H)=6%
6H!)/)+"6-D4%74%>)Q8;=4%6%,+/H)-D4%H)!,B7,86%];)X%+6%H)+7V+8,6%74%84+"!6"4%7)%/)5;!4X%
")+W6%,+8;EH!,74%6%42!,56-D4%7)%!)+4>6-D4%H)!,B7,86%7)//6%6H!)/)+"6-D4X%+6%E)7,76%)E%
];)%4%68,7)+")%")+W6%/,74%H!4>48674%4;%65!6>674%H)=4%E6;%<;+8,4+6E)+"4%74%>)Q8;=4#%
CAPÍTULO VIII
BONIFICAÇÕES OU AGRAVAMENTOS POR
SINISTRALIDADE
ARTIGO 33.º
BONIFICAÇÕES OU AGRAVAMENTOS POR SINISTRALIDADE
&#%
/%24+,*86-.)/%H4!%6;/V+8,6%7)%/,+,/"!4/%)%4/%65!6>6E)+"4/%H4!%/,+,/"!6=,767)%iBonus/
Malusj%!)5)E^/)%H)=6%"62)=6%)%7,/H4/,-.)/%84+/"6+")/%74%6+)A4%7)/"6/%:4+7,-.)/%a)!6,/#%
13
0#% T6!6%)<),"4/%76%6H=,86-D4%74%!)5,E)%7)%2B+;/%4;%7)%65!6>6E)+"4X%/B%M%84+/,7)!674%4%
/,+,/"!4%];)%")+W6%7674%=;56!%64%H656E)+"4%7)%,+7)E+,`6-D4X%4;%[%84+/",";,-D4%7)%;E6%
H!4>,/D4%)X%+)/")%f=",E4%86/4X%7)/7)%];)%4%K)5;!674!%")+W6%6//;E,74%6%84!!)/H4+7)+")%
!)/H4+/62,=,767)#%
9#% @E%86/4%7)%84+/",";,-D4%7)%H!4>,/D4X%4%K)5;!674!%H47)%/;/H)+7)!%6%6"!,2;,-D4%7)%
2B+;/%7;!6+")%4%H)!Q474%EZA,E4%7)%74,/%6+4/X%7)>)+74X%*+74%)//)%H!6`4X%4%E)/E4%/)!%
7)>4=>,74%)%!)H4/"6%6%/,";6-D4%"6!,<Z!,6%/)E%H!)3;Q`4%H6!6%4%S4E674!%74%/)5;!4X%86/4%4%
K)5;!674!%+D4%")+W6X%)+"!)"6+"4X%6//;E,74%6%!)/H4+/62,=,767)%H)!6+")%")!8),!4/#%
ARTIGO 34.º
CERTIFICADO DE TARIFAÇÃO
D(C,6%7!8'7(,.$7,6!(!'(F'=!8'7(8'(2,6%7'(%=(9,7$/-9!8'(W%,(/.9/8!(2'47,('2(
c&$/='2(h(!.'2(8!(7,&!0@'(9'.$7!$%!&3(/8,.$/-9!.8'(!(,>/2$Y.9/!('%(!(!%2Y.9/!(
8,(!9/8,.$,2(W%,(,.;'&;!=(7,2"'.2!4/&/8!8,(9/;/&("7';'9!8'2(",&'(;,#9%&'('%(
;,#9%&'2(9'4,7$'2(",&'(9'.$7!$'(8,(2,6%7'U(
!X( 2,="7,(W%,(!W%,&,(&H'(2'&/9/$,3(,(.%=("7!f'(8,(Ih(8/!2(!(9'.$!7(8'(",8/8'Z(
4X( 2,="7,(W%,(!(7,2'&%0@'(8'(9'.$7!$'(2,5!(8!(2%!(/./9/!$/;!3(9'=(%=!(
!.$,9,8Y.9/!(8,(dS(8/!2(,=(7,&!0@'(e(8!$!(8!W%,&!J(
CAPÍTULO IX
DISPOSIÇÕES DIVERSAS
ARTIGO 35.º
COMUNICAÇÕES E NOTIFICAÇÕES ENTRE AS PARTES
&#%
/%84E;+,86-.)/%4;%+4",*86-.)/%74%S4E674!%74%/)5;!4%4;%74%K)5;!674%H!)>,/"6/%+)/"6%
HB=,8)%84+/,7)!6E^/)%>Z=,76/%)%)*86`)/%86/4%/)36E%)<)";676/%H6!6%6%/)7)%/48,6=%74%
K)5;!674!%4;%76%/;8;!/6=X%84+/46+")%4%86/4#%
0#% KD4%,5;6=E)+")%>Z=,76/%)%)*86`)/%6/%84E;+,86-.)/%4;%+4",*86-.)/%<),"6/X%+4/%")!E4/%74%
+fE)!4%6+")!,4!X%H6!6%4%)+7)!)-4%74%!)H!)/)+"6+")%74%K)5;!674!%+D4%)/"62)=)8,74%)E%
T4!";56=X%!)=6",>6E)+")%6%/,+,/"!4/%62!6+5,74/%H4!%)/"6% HB=,8)#
9#%
/%84E;+,86-.)/%H!)>,/"6/%+4%H!)/)+")%84+"!6"4%7)>)E%!)>)/",!%<4!E6%)/8!,"6%4;%/)!%
H!)/"676/%H4!%4;"!4%E),4%7)%];)%*];)%!)5,/"4%7;!674;!4#%
N#% 1%K)5;!674!%/B%)/"Z%42!,5674%6%)+>,6!%6/%84E;+,86-.)/%H!)>,/"6/%+4%H!)/)+")%84+"!6"4%
/)%4%7)/",+6"Z!,4%76/%E)/E6/%)/",>)!%7)>,76E)+")%,7)+",*8674%+4%84+"!6"4X%84+/,7)!6+74%
/)%>6=,76E)+")%)<)";676/%/)%!)E)",76/%H6!6%4/%)+7)!)-4/X%H4/"6,/%4;%)=)8"!B+,84/X%
84+/"6+")/%76% HB=,8)#
O#% T6!6%4/%)<),"4/%H!)>,/"4/%+4%:6HQ";=4%GGG%74%SQ";=4%GG%74%7)8!)"4^=),%+#$%0I&_0JJCX%7)%0&%
7)%654/"4X%4%K)5;!674!%H47)%!)84!!)!%6%E),4%7)%];)%*];)%!)5,/"4%5!6>674X%86/4%)/")36%
6;"4!,`674%6%<6`V^=4%+4/%")!E4/%76%=),#%
ARTIGO 36.º
RECLAMAÇÕES E ARBITRAGEM
&#% T47)E%/)!%6H!)/)+"676/%!)8=6E6-.)/%+4%lE2,"4%74%H!)/)+")%84+"!6"4%64%7)H6!"6E)+"4%
!)/H4+/Z>)=%H)=6%5)/"D4%7)%!)8=6E6-.)/%74%K)5;!674!X%64%T!4>)74!%74%:=,)+")X%2)E%
84E4%64%G+/",";"4%7)%K)5;!4/%7)%T4!";56=%ihhh#,/H#H"jX%+4/%")!E4/%76/%/;6/%84EH)"V+8,6/%
=)56,/#% %,+<4!E6-D4%!)=6",>6%[%a)/"D4%7)%R)8=6E6-.)/%7)%:=,)+")/%)%S)!8),!4/%)+84+"!6^/)%
7,/H4+Q>)=%+6%Z!)6%:4+7;"6%7)%o)!8674%+4%/,")%76%(,!)8"%ihhh#/)5;!47,!)"4#H"j#
0#% g4/%=,"Q5,4/%/;!5,74/%64%62!,54%7)/")%84+"!6"4%H47)%W6>)!%!)8;!/4%[%6!2,"!65)EX%6%)<)";6!%
+4/%")!E4/%76%=),#%
9#% T6!6%)<),"4/%74%+fE)!4%6%6+")!,4!%4%S4E674!%74%/)5;!4%H47)!Z%7,!,5,!^/)%64%:GoT K%
r%:)+"!4%7)%G+<4!E6-D4X%o)7,6-D4%T!4>)74!,6%)% !2,"!65)E%7)%];)%6%K)5;!674!6%M%
67)!)+")#
14
ARTIGO 37.º
FORO
1%<4!4%84EH)")+")%H6!6%7,!,E,!%4/%=,"Q5,4/%)E)!5)+")/%7)/")%84+"!6"4%M%4%*A674%+6%=),%8,>,=#%
ANEXO
SISTEMA DE BONIFICAÇÕES E AGRAVAMENTOS POR SINISTRALIDADE
(BONUS/MALUS) UTILIZADO PELO SEGURADOR (a que se refere o Art.º 33.º
das Condições Gerais)
@/")% +)A4%)+84+"!6^/)%+6%H6!")%*+6=%7)/"6/%:4+7,-.)/%:4+"!6";6,/#
15
PARTE II
TUDO SOBRE AS COBERTURAS FACULTATIVAS,
PARA ALÉM DO DISPOSTO NA PARTE I E NAS RESPETIVAS
CONDIÇÕES ESPECIAIS E/OU PARTICULARES
ARTIGO 38.º
DEFINIÇÕES APLICÁVEIS ÀS COBERTURAS FACULTATIVAS
!"/$!&R;!&'7(2,6%7'%'%E4+"6+")%EZA,E4%,+7,8674%+6/%:4+7,-.)/%T6!",8;=6!)/X%6%H656!%
H)=4%K)5;!674!%6%"Q";=4%7)%,+7)E+,`6-D4q%+4%86/4%76/%:42)!";!6/%:s1ce@X%:1UGKt1%
1e%: T1S o@gS1X%Gg:ug(G1X%R G1%1e%@vTU1Kt1%)%PeRS1%1e%R1eY1X%>6=)%84E4%
=,E,")%,+7)E+,`6"B!,4%"6+"4%H6!6%6%T)!76%S4"6=%84E4%H6!6%6%T)!76%T6!8,6=%)%M%6";6=,`674%
H)!,47,86E)+")%7)%684!74%84E%4%7,/H4/"4%+6%6=Q+)6%2j%74%+#$%0%74% !"#$%N9#$X%/6=>4%
84+>)+-D4%)E%84+"!Z!,4%)AH!)//6%+6/%:4+7,-.)/%T6!",8;=6!)/#
Valor em novo%'%T!)-4%7)%>)+76%64%Hf2=,84%74%>)Q8;=4%/)5;!4X%)E%T4!";56=X%+4%EV/%)%
6+4%76%/;6%H!,E),!6%E6"!Q8;=6X%84+/,7)!6+74%"474/%4/%,EH4/"4/%)%)+86!54/%6H=,8Z>),/%)%/)E%
];6,/];)!%7)/84+"4/%84E)!8,6,/X%68!)/8,74%74%>6=4!%74/%)A"!6/%+D4%,+")5!674/%7)%4!,5)EX%/)%
/)%H!)")+7)!%,+8=;Q^=4/%+4%/)5;!4#
F!4,&!(8,(8,2;!&'7/f!0@'('%84+3;+"4%76/%H)!8)+"65)+/%6H=,8Z>),/%64%:6H,"6=_L6=4!%K)5;!4%
];)%7)")!E,+6E%"6+"4%6%26/)%H6!6%8Z=8;=4%74%H!ME,4%76/%:42)!";!6/%:s1ce@X%:1UGKt1%
1e%: T1S o@gS1X%Gg:ug(G1X%R G1%1e%@vTU1Kt1%)%PeRS1%1e%R1eY1X%84E4%4%>6=4!%
EZA,E4%76%,+7)E+,`6-D4%6%H656!%H)=4%K)5;!674!%[%76"6%74%/,+,/"!4X%];6+74%4%8!,"M!,4%7)%
7)/>6=4!,`6-D4%74%>6=4!%/)5;!4%",>)!%H4!%26/)%)/"6%"62)=6#
Perda parcial%'%76+,*86-D4%H6!8,6=%74%>)Q8;=4%/)5;!4%];)%H)!E,")%6%/;6%!)H6!6-D4X%84E%
H)-6/%+4>6/X%6"M%64%=,E,")%74%:6H,"6=_L6=4!%K)5;!4%84+/,7)!674%H6!6%)<),"4/%7)%T)!76%S4"6=#
Perda total%'%84+/,7)!6^/)%T)!76%S4"6=%74%>)Q8;=4%/)5;!4k
6j% 6%/;6%7)/"!;,-D4%"4"6=q
2j% 6%/;6%7)/"!;,-D4%H6!8,6=k
'% ];6+74%6%!)H6!6-D4%+D4%/)36%E6")!,6=E)+")%H4//Q>)=%4;X
'% ];6+74%6%!)H6!6-D4%+D4%/)36%")8+,86E)+")%684+/)=WZ>)=%4;X
'% 7)/7)%];)%4%>6=4!%76%!)H6!6-D4%67,8,4+674%74%>6=4!%74%/6=>674%)A8)76%&JJw%74%
:6H,"6=_L6=4!%/)5;!4X%6";6=,`674%7)%684!74%84E%4%7,/H4/"4%+6%6=Q+)6%2j%74%+#$%0%74%
!"#$%N9#$X%/6=>4%84+>)+-D4%)E%84+"!Z!,4%)AH!)//6%+6/%:4+7,-.)/%T6!",8;=6!)/#
Valor venal do veículo antes do sinistro%r%84!!)/H4+7)%64%/);%>6=4!%7)%/;2/",";,-D4%+4%
E4E)+"4%6+")!,4!%64%68,7)+")#
ARTIGO 39.º
CONDIÇÕES APLICÁVEIS ÀS COBERTURAS FACULTATIVAS
&#% @/"6%T6!")%GG%76/%:4+7,-.)/%a)!6,/%84+"ME%!)5!6/%84E;+/%6%"476/%6/%842)!";!6/%
<68;="6",>6/X%84E%)A8)-D4%76/%7,/H4/,-.)/%];)%/)%!)*!6E%6H)+6/%6%6=5;E6%7)=6/%)E%
H6!",8;=6!X%/)+74%84EH=)"676%H)=6/%!)5!6/%)/H)8Q*86/%H!)>,/"6/%+6/%!)/H)8",>6/%:4+7,-.)/%
@/H)8,6,/%)_4;%T6!",8;=6!)/#%
0#%
/%842)!";!6/%<68;="6",>6/%/;2/8!,"6/%+4%84+"!6"4%7)%K)5;!4% ;"4EB>)=%/D4%!)5;=676/%H)=4%
7,/H4/"4%+)/"6%T6!")%GG%76/%:4+7,-.)/%a)!6,/X%2)E%84E4%H)=6/%!)5!6/%76%T6!")%G%];)%=W)/%/D4%
6H=,8Z>),/%)%6,+76%H)=4%)/",H;=674%+6/%!)/H)8",>6/%:4+7,-.)/%@/H)8,6,/%)_4;%T6!",8;=6!)/#%
ARTIGO 40.º
OBJETO DO SEGURO NO CASO DAS COBERTURAS FACULTATIVAS
&#% 1%H!)/)+")%84+"!6"4%7)%K)5;!4% ;"4EB>)=%56!6+")%4/%!,/84/%<68;="6",>4/%,+")5!6+")/%
76/%842)!";!6/%/;2/8!,"6/%+6%T!4H4/"6%7)%/)5;!4X%7)H4,/%76%!)/H)",>6%68),"6-D4%H)=4%
K)5;!674!X%H47)+74%6];)=6/%/)!%84+"!6"676/%,/4=676%4;%84+3;+"6E)+")X%84+<4!E)%
)/",H;=674%+6/%:4+7,-.)/%T6!",8;=6!)/#%
0#% 1/%!,/84/%56!6+",74/%H)=6/%842)!";!6/%<68;="6",>6/%/D4%7)*+,74/%+6/%!)/H)",>6/%
:4+7,-.)/%@/H)8,6,/#%
16
ARTIGO 41.º
ÂMBITO TERRITORIAL DAS COBERTURAS FACULTATIVAS
Salvo disposição em contrário, constante das respetivas Condições Especiais e/
'%( '.8/01,2(?!7$/9%&!7,23(!2(9'4,7$%7!2(:!9%&$!$/;!2(9'.$7!$!8!2($Y=('(=,2='(
<=4/$'($,77/$'7/!&(8!(9'4,7$%7!(8,(b,2"'.2!4/&/8!8,( /;/&3(8,(!9'78'(9'=('(
8/2"'2$'(.'(.JNI(8'(M7$JN(OJN(8!2( '.8/01,2(a,7!/2(8,2$,(9'.$7!$'J(
ARTIGO 42.º
EXCLUSÕES APLICÁVEIS ÀS COBERTURAS FACULTATIVAS
?!7!(!&A=(8!2(,>9&%21,2("7,;/2$!2(.'(M7$JN(iJN(8!(?!7$,()3(,(2!&;'(8/2"'2/0@'(
em contrário, constante das respetivas Condições Especiais e/ou Condições
?!7$/9%&!7,23(-9!=($!=4A=(,>9&%#8'2(8!2(6!7!.$/!2("7'"'79/'.!8!2(",&!2(
9'4,7$%7!2(:!9%&$!$/;!2U(
!X( 8!.'2(9!%2!8'2(!'2('45,$'2(,(=,79!8'7/!2($7!.2"'7$!8'2(.'(;,#9%&'(2,6%7'3(
!/.8!(W%,(2,5!=("7'"7/,8!8,(8'2(7,2",$/;'2("!22!6,/7'2Z
4X( 8!.'2(9!%2!8'2(!($,79,/7'23(,=(9'.2,W%Y.9/!(8,(!9/8,.$,(8,(;/!0@'(7,2%&$!.$,(
8,(:%7$'3(7'%4'('%(:%7$'(8,(%2'Z(
9X( 2/./2$7'2(,=(W%,('(;,#9%&'(2,5!(9'.8%f/8'("'7(",22'!(W%,3("!7!($!.$'3(
.@'(,2$,5!(&,6!&=,.$,(H!4/&/$!8! '%(2,(,.9'.$7,(/./4/8'("!7!(!("7[$/9!(8!(
9'.8%0@'Z(
8X( 8!.'2(9!%2!8'2(/.$,.9/'.!&=,.$,(",&'(F'=!8'7(8'(2,6%7'3(C,6%7!8'('%("'7(
",22'!2("'7(W%,=(,&,2(2,5!=(9/;/&=,.$,(7,2"'.2[;,/2Z(
,X( 2/./2$7'2(7,2%&$!.$,2(8,(8,=Y.9/!(8'(9'.8%$'7(8'(;,#9%&'('%(W%!.8'(,2$,(
9'.8%f!(9'=(%=!($!>!(8,(!&9''&,=/!(2%",7/'7(e(&,6!&=,.$,(",7=/$/8!('%(
!9%2!7(9'.2%='(8,(,2$%",:!9/,.$,2('%('%$7!2(87'6!2('%("7'8%$'2($L>/9'2Z(
:X( 8!.'2(7,2%&$!.$,2(8,(6%,77!3(='4/&/f!0@'3(7,;'&%0@'3(67,;,23(8/2$c74/'2(
&!4'7!/23($%=%&$'2(,R'%(!01,2(8,(",22'!2(9'=(/.$,.01,2(=!&/9/'2!23(W%,(
$'=,=("!7$,('%(.@'(,=(!&$,7!01,2(8,('78,=("c4&/9!3(2!4'$!6,=3(:'70!('%(
"'8,7(8,(!%$'7/8!8,3(,>,9%0@'(8!(^,/(V!79/!&('%(%2%7"!0@'(8,("'8,7(9/;/&('%(
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desmoronamentos e afundamentos do solo, furacões e outras convulsões
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17
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='.$!6,=('%(!-.!0@'3(;#9/'("7L"7/'('%(=[(9'.2,7;!0@'(8'(;,#9%&'Z(
o) danos produzidos diretamente por lama ou alcatrão ou outros materiais
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p) danos causados intencional ou involuntariamente pelos próprios ocupantes ou
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ARTIGO 43.º
VALOR SEGURO E FRANQUIAS NAS COBERTURAS FACULTATIVAS
&#% 1/%>6=4!)/%EZA,E4/%56!6+",74/%H)=4%K)5;!674!X%2)E%84E4%6/%<!6+];,6/%84+"!6"676/X%
)+84+"!6E^/)%)AH!)//4/%+6/%:4+7,-.)/%T6!",8;=6!)/#%
0#% K6=>4%84+>)+-D4%)E%84+"!Z!,4%)AH!)//6%+6/%:4+7,-.)/%T6!",8;=6!)/X%6H=,86E^/)%64%
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,2$!4,&,9/8!2(.!(!&#.,!(4X(8'(.c=,7'(!.$,7/'7J
N#% 1%K)5;!674!%H47)%,5;6=E)+")%H!4H4!%64%S4E674!%74%/)5;!4X%+4%H!6`4%H!)>,/"4%+4%
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ARTIGO 44.º
DIREITOS RESSALVADOS NAS COBERTURAS FACULTATIVAS
c;6+74%4%K)5;!674!%W636%68),")%6%!)//6=>6%7)%7,!),"4/%7)/"6% HB=,8)%6%<6>4!%76/%H)//46/%
4;%)+",767)/%,+7,8676/%+6/%:4+7,-.)/%T6!",8;=6!)/X%84E%74E,8Q=,4%"6E2ME%E)+8,4+674%+6/%
:4+7,-.)/%T6!",8;=6!)/%)%)+];6+"4%"6=%/)%E6+",>)!X%6%=,];,76-D4%74/%/,+,/"!4/%!)=6",>6%[/%842)!";!6/%
84+"!6"676/%+D4%H47)!Z%/)!%)<)";676%/)E%4%H!M>,4%684!74%76/%!)<)!,76/%H)//46/%4;%)+",767)/#%
ARTIGO 45.º
EXTINÇÃO DE COBERTURAS FACULTATIVAS
IJ( D(C,6%7!8'7(,('(F'=!8'7("'8,=3("'7(!9'78'3(!($'8'('($,="'3(7,8%f/7('(
9'.$7!$'(8,(2,6%7'3(,>$/.6%/.8'(9'4,7$%7!2(:!9%&$!$/;!2J
PJ( D(F'=!8'7(8'(2,6%7'("'8,3(!($'8'('($,="'3(7,8%f/7('(9'.$7!$'3(7,$/7!.8'(
9'4,7$%7!2(:!9%&$!$/;!2(2%4297/$!23(=,8/!.$,(9'=%./9!0@'(,297/$!(9'=(!(
!.$,9,8Y.9/!(=#./=!(8,(dS(8/!2(,=(7,&!0@'(e(8!$!(,=(W%,(!(7,8%0@'("7'8%f(
,:,/$'23(2,=("7,5%#f'(8'(.c=,7'(2,6%/.$,J(
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8'(9'.$7!$'3(7,$/7!.8'(9'4,7$%7!2('"9/'.!/2(8'(?!9m('%(=%8!.8'(8,(?!9mJ(
OJ( D(C,6%7!8'7("'8,(7,8%f/7('(9'.$7!$'3(7,$/7!.8'(9'4,7$%7!2(:!9%&$!$/;!2(
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18
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mínima de 30 dias em relação à data em que a redução produz efeitos.
hJ((?!7!(,:,/$'(8'(.c=,7'(!.$,7/'73("7,2%=,K2,(W%,(H[(2%9,22@'(8,(2/./2$7'2(
quando ocorram 2 (dois) sinistros num período de 12 meses ou, sendo o
contrato anual, no decurso da anuidade, ou quando ocorram pelo menos 2
2/./2$7'2(.'2(c&$/='2(h(!.'23(I(]%=X(8'2(W%!/2(.!(c&$/=!(!.%/8!8,J(
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do contrato será calculado proporcionalmente ao período de tempo que
8,9'77,7/!(!$A(!'(2,%(;,.9/=,.$'J(
TJ( C,="7,(W%,('(F'=!8'7(8'(2,6%7'(.@'(9'/.9/8!(9'=('(C,6%7!8'3(,2$,(8,;,(2,7(
!;/2!8'3(9'=(dS(8/!2(8,(!.$,9,8Y.9/!3(8!(,>$/.0@'(8!2(9'4,7$%7!2(9'.$7!$!8!2J(
jJ( G>/2$/.8'("7/;/&A6/'(97,8/$L7/'(2'47,('2(4,.2(W%,(9'.2$/$%!=('('45,$'(8!(
7,2",$/;!(9'4,7$%7!(:!9%&$!$/;!3('(C,6%7!8'7('47/6!K2,(!(9'=%./9!7("'7(,297/$'(
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em que a mesma produz efeitos.
ARTIGO 46.º
PLURALIDADE DE SEGUROS QUANTO
A COBERTURAS FACULTATIVAS
&#% g6/%:42)!";!6/%P68;="6",>6/X%];6+74%;E%E)/E4%!,/84%!)=6",>4%64%E)/E4%,+")!)//)%)%
H4!%,7V+",84%H)!Q474%)/")36%/)5;!4%H4!%>Z!,4/%/)5;!674!)/X%4%S4E674!%74%/)5;!4%4;%4%
K)5;!674%7)>)%,+<4!E6!%7)//6%8,!8;+/"l+8,6%"474/%4/%K)5;!674!)/X%=454%];)%"4E)E%
84+W)8,E)+"4%76%/;6%>)!,*86-D4X%2)E%84E4%6];6+74%76%H6!",8,H6-D4%74%/,+,/"!4#%
0#%
%4E,//D4%<!6;7;=)+"6%76%,+<4!E6-D4%!)<)!,76%+4%+fE)!4%6+")!,4!%)A4+)!6%4/%
K)5;!674!)/%76/%!)/H)",>6/%H!)/"6-.)/#%
9#% 1%/,+,/"!4%>)!,*8674%+4%lE2,"4%74/%84+"!6"4/%!)<)!,74/%+4%+#$%&%74%H!)/)+")% !",54%M%
,+7)E+,`674%H4!%];6=];)!%74/%K)5;!674!)/X%[%)/84=W6%74%K)5;!674X%7)+"!4%74/%=,E,")/%76%
!)/H)",>6%42!,56-D4#%
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842)!"4%H)=4/%84+"!6"4/%!)<)!,74/%+4%+#$%&%74%H!)/)+")% !",54%!)/H4+7)E%)+"!)%/,%+6%
H!4H4!-D4%76%];6+",6%];)%8676%;E%")!,6%7)%H656!%/)%)A,/",//)%;E%f+,84%84+"!6"4%7)%/)5;!4#%
O#% @E%86/4%7)%,+/4=>V+8,6%7)%;E%74/%K)5;!674!)/X%4/%7)E6,/%!)/H4+7)E%H)=6%];4"6^H6!")%
76];)=)%+4/%")!E4/%H!)>,/"4/%+4%+fE)!4%6+")!,4!#%
?#% 1%7,/H4/"4%+4%H!)/)+")% !",54%M%6H=,8Z>)=%64%7,!),"4%7)%4%=)/674%)A,5,!%4%H656E)+"4%76%
,+7)E+,`6-D4%7,!)"6E)+")%64%K)5;!674!%+4/%/)5;!4/%7)%!)/H4+/62,=,767)%8,>,=X%[%)A8)-D4%
74%H!)>,/"4%+4%+#$%0%74%H!)/)+")% !",54X%];)%+D4%H47)%/)!%,+>48674%84+"!6%4%=)/674#%
ARTIGO 47.º
DIREITO DE REGRESSO NAS COBERTURAS FACULTATIVAS
T6!6%6=ME%76/%/,";6-.)/%H!)>,/"6/%+4% !"#$%90#$%76%T6!")%G%7)/"6/%:4+7,-.)/%a)!6,/X%4%
K)5;!674!%")E%7,!),"4%7)%!)5!)//4%84+"!6%];6=];)!%H)//46%4;%)+",767)%)E%"474/%4/%7)E6,/%
86/4/%)E%];)%=)56=E)+")%)//)%7,!),"4%H4//6%)A,/",!#%
ARTIGO 48.º
SUB-ROGAÇÃO NAS COBERTURAS FACULTATIVAS
&#% 1%K)5;!674!X%")+74%,+7)E+,`674X%*86%/;2^!45674X%+6%E)7,76%74%E4+"6+")%H654X%
+4/%7,!),"4/%74%=)/674%84+"!6%4/%86;/674!)/%4;%4;"!4/%!)/H4+/Z>),/%H)=4/%H!)3;Q`4/X%
H47)+74%)A,5,!%];)%6%/;2^!456-D4%/)36%)AH!)//6E)+")%4;"4!5676%+4%6"4%74%H656E)+"4%
)%!)8;/6!%)/")%/)%"6=%=W)%<4!%+)5674X%2)E%84E4%)A,5,!%];)%=W)%/)36%)+"!)5;)%];,"6-D4%
=)56=E)+")%6;")+",8676#%
0#% 1%S4E674!%74%/)5;!4%4;%4%K)5;!674%!)/H4+7)EX%6"M%64%=,E,")%76%,+7)E+,`6-D4%H656%
H)=4%K)5;!674!X%H4!%6"4%4;%4E,//D4%];)%H!)3;7,];)%4/%7,!),"4/%H!)>,/"4/%+4%+fE)!4%
anterior.
19
9#%
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+D4%842)!"4X%];6+74%84+84!!6%84E%4%K)5;!674!%84+"!6%4%")!8),!4%!)/H4+/Z>)=X%/6=>4%
84+>)+-D4%)E%84+"!Z!,4%)E%84+"!6"4/%7)%5!6+7)/%!,/84/#%
N#% 1%7,/H4/"4%+4%+#$%&%74%H!)/)+")% !",54%+D4%M%6H=,8Z>)=k%
6j% 84+"!6%4%K)5;!674%/)%)/")%!)/H4+7)%H)=4%")!8),!4%!)/H4+/Z>)=X%+4/%")!E4/%76%=),q%
2j% 84+"!6%4%8y+3;5)X%H)//46%];)%>,>6%)E%;+,D4%7)%<6"4X%6/8)+7)+")/%)%7)/8)+7)+")/%
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7)/")/%")!8),!4/%<4!%74=4/6%4;%/)%)+84+"!6!%842)!"6%H4!%84+"!6"4%7)%/)5;!4#%
ARTIGO 49.º
BONIFICAÇÕES OU AGRAVAMENTOS POR SINISTRALIDADE
&#%
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Malusj%!)5)E^/)%H)=6%"62)=6%)%7,/H4/,-.)/%84+/"6+")/%74% +)A4%G%7)/"6/%:4+7,-.)/%a)!6,/#%
0#%
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7)/"6/%:4+7,-.)/%a)!6,/#
9#% T6!6%)<),"4/%76%6H=,86-D4%74%!)5,E)%7)%2B+;/%4;%7)%65!6>6E)+"4X%/B%M%84+/,7)!674%
4%/,+,/"!4%];)%")+W6%7674%=;56!%64%H656E)+"4%7)%,+7)E+,`6-D4X%4;%[%84+/",";,-D4%7)%
;E6%H!4>,/D4#%
N#% @E%86/4%7)%84+/",";,-D4%7)%H!4>,/D4X%4%K)5;!674!%H47)%/;/H)+7)!%6%6"!,2;,-D4%7)%2B+;/%
7;!6+")%4%H)!Q474%EZA,E4%7)%0%i74,/j%6+4/X%7)>)+74X%*+74%)//)%H!6`4X%4%E)/E4%/)!%
7)>4=>,74%)%!)H4/"6%6%/,";6-D4%"6!,<Z!,6%/)E%H!)3;Q`4%H6!6%4%S4E674!%74%/)5;!4X%86/4%4%
K)5;!674!%+D4%")+W6X%)+"!)"6+"4X%6//;E,74%6%!)/H4+/62,=,767)%H)!6+")%")!8),!4/#%
O#% @E%")!E4/%7)%8)!",*8674%7)%"6!,<6-D4%6H=,86^/)%4%H!)>,/"4%+4% !"#$%9N#$%7)/"6/%
:4+7,-.)/%a)!6,/#%
ARTIGO 50.º
RESSARCIMENTO DOS DANOS NO VEÍCULO SEGURO
IJ( D(C,6%7!8'7("'8,('"$!7(",&!(7,"!7!0@'(8'(;,#9%&'3(",&!(2%!(2%42$/$%/0@'3('%(
",&!(!$7/4%/0@'(8,(%=!(/.8,=./f!0@'(,=(8/.H,/7'3(2,=("7,5%#f'(8!(!"&/9!0@'(
8'(8/2"'2$'(.'2(.c=,7'2(2,6%/.$,2J
PJ( G=(=!$A7/!(8,(7,22!79/=,.$'(8,(8!.'23(2,7[('42,7;!8'('(2,6%/.$,U
!X( ?Gb+M(?Mb )M^U
!JIX( !(7,"!7!0@'3(9'=(",0!2(.';!23(2,7[(8!(7,2"'.2!4/&/8!8,(8'(C,6%7!8'7(,(:,/$!(
8,(=!.,/7!(!(7,"'7(!("!7$,(8!./-9!8!(8'(;,#9%&'(2,6%7'(.'(,2$!8'(,=(W%,(2,(
,.9'.$7!;!(.'(='=,.$'(/=,8/!$!=,.$,(!.$,7/'7(!'(2/./2$7'Z
!JPX( .!2(7,"!7!01,2(W%,(,>/5!=(2%42$/$%/0@'(8,(",0!2('%(2'47,22,&,.$,2(,(9!2'('(
C,6%7!8'(.@'(W%,/7!(2%5,/$!7K2,(e(8,='7!("!7!(!(2%!('4$,.0@'3('(C,6%7!8'7(
.@'(2,7[(7,2"'.2[;,&(",&'2("7,5%#f'2(8/7,$!('%(/.8/7,$!=,.$,(8!#(7,2%&$!.$,23(
W%!.$/-9!.8'(!(/.8,=./f!0@'(",&'(9%2$'(8!2(",0!2('%(2'47,22,&,.$,23(.!(4!2,(
8'2("7,0'2(->!8'2(.!(c&$/=!($!4,&!(8,(;,.8!(!'("c4&/9'('%(8'2("7,0'2(8'(
=,79!8'3(W%!.8'("'22!=(2,7(:!47/9!8'2(",&!(/.8c2$7/!(.!9/'.!&Z
!JdX( $'8!(,(W%!&W%,7(7,"!7!0@'(2,7[(2,="7,(&/=/$!8!(!'( !"/$!&RB!&'7(C,6%7'(
/.8/9!8'(.!2( '.8/01,2(?!7$/9%&!7,2Z
!JOX( '(='.$!.$,(8!(/.8,=./f!0@'("!6!(,=(9!2'(8,(?Gb+M(?Mb )M^(2,7[(!4!$/8'(
!'( !"/$!&RB!&'7(C,6%7'3(-9!.8'(,2$,(7,8%f/8'(8!W%,&,(;!&'7(8,28,(!(8!$!(
8'(2/./2$7'(!$A(!'(;,.9/=,.$'(!.%!&(8'(9'.$7!$'3("!7!(,:,/$'2(8,(.';!(?Gb+M(
?Mb )M^('%(8,(?Gb+M(FDFM^Z('(F'=!8'7(8'(2,6%7'("'8,(7,"'7('( !"/$!&R
B!&'7(C,6%7'(!$7!;A2(8'("!6!=,.$'(8,(%=("7A=/'(2%"&,=,.$!7(9'77,2"'.8,.$,(
!'( !"/$!&RB!&'7(C,6%7'(7,"'2$'(,(!'(",7#'8'(8,($,="'(.@'(8,9'77/8'(!$A(!'(
vencimento anual do contrato.
4X( ?Gb+M(FDFM^U
4JIX( '(C,6%7!8'7("!6!7[(!'(C,6%7!8'(%=!(/.8,=./f!0@'(&/=/$!8!(!'( !"/$!&RB!&'7(
C,6%7'(/.8/9!8'(.!2( '.8/01,2(?!7$/9%&!7,2Z
4JPX( .'(9!2'(8'(7,6/=,(8,(8,2;!&'7/f!0@'(!"&/9[;,&(!'(9'.$7!$'($,7("'7(4!2,(!(
F!4,&!(8,(+,2;!&'7/f!0@'(!.,>!(!(,2$!2( '.8/01,2(a,7!/23(!(/.8,=./f!0@'(2,7[(
->!8!(!$7!;A2(8!(!"&/9!0@'(!'( !"/$!&RB!&'7(C,6%7'(/.8/9!8'(.!2( '.8/01,2(
?!7$/9%&!7,2(8!(7,:,7/8!($!4,&!3(,=(9'.:'7=/8!8,(9'=('(8/2"'2$'(.'(M.,>'())(
8,2$!2( '.8/01,2(a,7!/2Z(
4JdX('(B!&'7(C,6%7'(!(9'.2/8,7!7("!7!(,:,/$'2(8,(?Gb+M(FDFM^(/.9&%/('2(,>$7!2(
8'(;,#9%&'Z(
20
4JOX( 2,="7,(W%,('(C,6%7!8'7("7'9,8!(!(W%!&W%,7("!6!=,.$'(.'(<=4/$'(8,(
9'4,7$%7!2(8,(8!.'2(!'(;,#9%&'(2,6%7'3('("7A=/'(!.%!&3(A(8,;/8'("'7(/.$,/7'(
=,2='(.'(9!2'(8,(!9'.$,9,7(%=(2/./2$7'(W%,('7/6/.,(%=!(?Gb+M(FDFM^(,('(
9'.2,W%,.$,(8,2!"!7,9/=,.$'(8'(;,#9%&'(2,6%7'J
9X( 2,=("7,5%#f'(8'(!9'78'(,.$7,(!2("!7$,23('(2!&;!8'(-9!(2,="7,(.!("'22,(8'(
C,6%7!8'3(2,.8'(8,8%f/8'('(7,2",$/;'(;!&'7(!'(='.$!.$,(/.8,=./f!$L7/'(
'4$/8'(8,(!9'78'(9'=('(8/2"'2$'(.!(!&#.,!(!.$,7/'7J
dJ( GoFbMC(*(!'(;!&'7(8'2(9'="'.,.$,2(8'(;,#9%&'(2,6%7'3(/.8/9!8'(.!2(
'.8/01,2(?!7$/9%&!7,23(W%,(.@'(-f,7,=("!7$,(8!(2%!(B,72@'(8,(`!47/9'3($!/2(
9'='(5!.$,23(,W%/"!=,.$'2(8,(9'=%./9!0@'(,(,W%/"!=,.$'2(8,(/=!6,=(,(
2'=3(,(,2$,5!=(,>"7,22!=,.$,(/8,.$/-9!8'2(.!2( '.8/01,2(?!7$/9%&!7,2
ANEXOS
SISTEMA DE BONIFICAÇÕES E AGRAVAMENTOS POR SINISTRALIDADE (BONUS/MALUS)
UTILIZADO PELO SEGURADOR
TABELA DE DESVALORIZAÇÃO DO VEÍCULO SEGURO A CONSIDERAR
PARA EFEITOS DE PERDA TOTAL
@/")/% +)A4/%)+84+"!6E^/)%+6%H6!")%*+6=%7)/"6/%:4+7,-.)/%:4+"!6";6,/#
21
CONDIÇÕES ESPECIAIS
COBERTURA FACULTATIVA DE RESPONSABILIDADE CIVIL
ARTIGO 1.º
DEFINIÇÕES
R@KT1gK YGUG( (@%:GLGU%i eS1ozL@Uj%'%84!!)/H4+7)%64%,+/",";"4%3;!Q7,84%];)%7)")!E,+6%
6%42!,56-D4%7)%,+7)E+,`6!%76];)=)%];)X%)E%>,!";7)%76%8,!8;=6-D4%6;"4EB>)=X%6"!6>M/%7)%
;E%P S1%GUx:GS1X%:eUT1K1%1e%gt1X%86;/6%;E%( g1%ig@v1%(@%: eK UG( (@j%6%;E%
")!8),!4#%S!6"6^/)%7)%;E6%R)/H4+/62,=,767)%@A"!684+"!6";6=%H4,/%+D4%")E%+6%/;6%4!,5)E%4%
,+8;EH!,E)+"4%7)%42!,56-.)/%5)!676/%H4!%;E%84+"!6"4#%
R@KT1gK YGUG( (@%:GLGU%i eS1ozL@Uj%KeYp@SGL %'%84!!)/H4+7)X%+4%74EQ+,4%74/%
68,7)+")/%7)%>,6-D4X%[%!)/H4+/62,=,767)%26/)676%+6%68-D4%74%65)+")X%H4!%)=)%84+"!4=Z>)=X%7)%
];)%7)!,>6%6%/;6%8;=H6#%
R@KT1gK YGUG( (@%:GLGU%i eS1ozL@Uj%1Yp@SGL %i1e%T@U1%RGK:1j%'%84!!)/H4+7)X%
+4%74EQ+,4%74/%68,7)+")/%7)%>,6-D4X%[%!)/H4+/62,=,767)%26/)676%+4%<6"4%7)%4%65)+")%
74%<6"4%76+4/4%/)!%7)")+"4!%)%;",=,`674!%7)%;E6%EZ];,+6%H4")+8,674!6%7)%!,/84/X%
,+7)H)+7)+")E)+")%76%/;6%6-D4#%g)/")%",H4%7)%!)/H4+/62,=,767)%4%7)>)!%7)%,+7)E+,`6!%")E%
=,E,")/%*A674/%+6%=),%i:B7,54%:,>,=j#%
R@KT1gK YGUG( (@%:GLGU%i eS1ozL@Uj%P :eUS SGL %'%84!!)/H4+7)%[%842)!";!6%<68;="6",>6%
7)%!)/H4+/62,=,767)%8,>,=X%56!6+",+74%;E%86H,"6=%84EH=)E)+"6!X%H6!6%6=ME%74%E4+"6+")%
=)56=E)+")%)A,5,74%];6+"4%[%42!,56-D4%7)%/)5;!6!q%+4%86/4%74/%>)Q8;=4/%+D4%/;3),"4/%[%42!,56-D4%
7)%/)5;!6!X%6%!)/H4+/62,=,767)%8,>,=%<68;="6",>6%56!6+")%6%"4"6=,767)%74%86H,"6=%84+"!6"674#%
ARTIGO 2.º
ÂMBITO DE COBERTURA
IJ( D(<=4/$'(8,2$!(9'4,7$%7!(:!9%&$!$/;!(A(!(7,2"'.2!4/&/8!8,(9/;/&(,>$7!9'.$7!$%!&(
"'7(8!.'2(9!%2!8'2(!($,79,/7'23(8,9'77,.$,(8!(9/79%&!0@'(8'(;,#9%&'(2,6%7'3(
;!&,.8'(W%!.$'(!'2(7/29'2(9'4,7$'2('(8/2"'2$'(.!2( '.8/01,2(a,7!/2(8,2$!(
M"L&/9,(8,(C,6%7'(!9,79!(8!( '4,7$%7!(8,(b,2"'.2!4/&/8!8,( /;/&(D47/6!$L7/!J(
PJ( G2$!(9'4,7$%7!(6!7!.$,3(8,.$7'(8'2(&/=/$,2(,(;!&'7,2(9'.;,.9/'.!8'23(
'("!6!=,.$'(8!2(/.8,=./f!01,2(,>/6#;,/2(!'(C,6%7!8'('%(9'.8%$'7(
autorizado, por aplicação das condições contratuais e da lei. No que toca
!'2(;,#9%&'2('47/6!8'2(!(2,6%7'3(,2$!(9'4,7$%7!(6!7!.$,('("!6!=,.$'(8!2(
/.8,=./f!01,2(W%,(,>9,8!=('2(9!"/$!/2(&,6!&=,.$,(->!8'2("!7!(!(9'4,7$%7!(
8,(b,2"'.2!4/&/8!8,( /;/&(D47/6!$L7/!J(
ARTIGO 3.º
FRANQUIA
_'(<=4/$'(8!(9'4,7$%7!(:!9%&$!$/;!(8,(bGC?D_CME)^)+M+G( )B)^3("'8,7[(2,7(
convencionada uma franquia oponível a terceiros.
ARTIGO 4.º
EXCLUSÕES
IJ( M"&/9!=K2,(!(,2$!(9'4,7$%7!(:!9%&$!$/;!($'8!2(!2(,>9&%21,2("7,;/2$!2(.!2(
'.8/01,2(a,7!/2(8!(M"L&/9,(8,(C,6%7'(M%$'=L;,&(]?!7$,2()(,())XJ(
PJ( C!&;'(9'.;,.0@'(,=(9'.$7[7/'3(8'(<=4/$'(8,2$!(9'4,7$%7!(:!9%&$!$/;!(,2$@'(
$!=4A=(,>9&%#8!2U(
!X( !(7,2"'.2!4/&/8!8,(9/;/&(9'.$7!$%!&Z(
4X( !(7,2"'.2!4/&/8!8,("'7(8!.'2(9!%2!8'2(.!2(9'/2!2(,(",&!2(9'/2!2(
$7!.2"'7$!8!2(.'(;,#9%&'(2,6%7'Z(
9X( !(7,2"'.2!4/&/8!8,("'7(8!.'2(8,9'77,.$,2(8,(&,21,2(9'7"'7!/2(9!%2!8'2(e2(
",22'!2(7,:,7/8!2(.!2(!&#.,!2(!X(!(6X(8'(.JN(P(8'(M7$JN(iJN(8!2( '.8/01,2(
Gerais da Apólice.
8X( !(7,2"'.2!4/&/8!8,(9/;/&("'7("'&%/0@'J(
22
ARTIGO 5.º
REMISSÃO
H=,86E^/)%6%)/"6%842)!";!6%<68;="6",>6%"476/%6/%!)5!6/%84+"!6";6,/%H!)>,/"6/%+6/%:4+7,-.)/%
a)!6,/%)%T6!",8;=6!)/%76% HB=,8)X%/6=>4%4%)/",H;=674%+6%H!)/)+")% !",54%];6+"4%6%)/"6%842)!";!6#
COBERTURA FACULTATIVA DE CHOQUE,
COLISÃO OU CAPOTAMENTO
ARTIGO 1.º
DEFINIÇÕES
:s1ce@%'%)E26")%74%>)Q8;=4%84+"!6%];6=];)!%84!H4%*A4X%4;%)E26")%/4<!,74%H4!%6];)=)%
];6+74%,E42,=,`674#
:1UGKt1%'%)E26")%)+"!)%4%>)Q8;=4%)%];6=];)!%4;"!4%84!H4%)E%E4>,E)+"4#
: T1S o@gS1%'%68,7)+")%)E%];)%4%>)Q8;=4%H)!7)%6%/;6%H4/,-D4%+4!E6=%)%+D4%!)/;="6%7)%
8W4];)%4;%84=,/D4#
ARTIGO 2.º
ÂMBITO DE COBERTURA
M$7!;A2(8,2$!(9'4,7$%7!(:!9%&$!$/;!3('(C,6%7!8'7("!6!7[(!'(C,6%7!8'('2(8!.'2(2':7/8'2(
.'(;,#9%&'(2,6%7'(,=(9'.2,W%Y.9/!(8,( pDl\G3( D^)CqD(D\( M?DFMVG_FDJ
ARTIGO 3.º
FRANQUIA
r(9'4,7$%7!(8,( pDl\G3( D^)CqD(D\( M?DFMVG_FD(A(!"&/9[;,&(!(:7!.W%/!(
indicada nas Condições Particulares.
ARTIGO 4.º
EXCLUSÕES
IJ( M"&/9!=K2,(!(,2$!(9'4,7$%7!(:!9%&$!$/;!(8,( pDl\G3( D^)CqD(D\(
M?DFMVG_FD($'8!2(!2(,>9&%21,2("7,;/2$!2(.!(?!7$,())(8!2( '.8/01,2(a,7!/2(
8!(M"L&/9,(8,(C,6%7'(M%$'=L;,&J
PJ( C!&;'(9'.;,.0@'(,>"7,22!(,=(9'.$7[7/'3($!=4A=(.@'(,2$@'(!47!.6/8'2("'7(
,2$!(9'4,7$%7!('2(8!.'2U
a) provenientes do mau estado das estradas ou caminhos, quando deste fato
.@'(7,2%&$,(9H'W%,3(9'&/2@'('%(9!"'$!=,.$'Z
4X( .!2(5!.$,23(9<=!7!2(8,(!7(,(".,%23(,>9,$'(2,(7,2%&$!7,=(8,(9H'W%,3(9'&/2@'(
'%(9!"'$!=,.$'(,(W%!.8'(!9'="!.H!8'2(8,('%$7'2(8!.'2(!'(;,#9%&'Z
c) resultantes da circulação em locais reconhecidos como não acessíveis ao
;,#9%&'Z
8X( 9!%2!8'2("'7('45,$'2($7!.2"'7$!8'2Z
,X( 9!%2!8'2(8%7!.$,('",7!01,2(8,(9!76!(,(8,29!76!J
ARTIGO 5.º
REMISSÃO
H=,86E^/)%6%)/"6%842)!";!6%<68;="6",>6%"476/%6/%!)5!6/%84+"!6";6,/%H!)>,/"6/%+6/%:4+7,-.)/%
a)!6,/%)%T6!",8;=6!)/%76% HB=,8)X%/6=>4%4%)/",H;=674%+4%H!)/)+")% !",54%];6+"4%6%)/"6%
842)!";!6#
23
COBERTURA FACULTATIVA DE INCÊNDIO,
RAIO OU EXPLOSÃO
ARTIGO 1.º
DEFINIÇÕES
Gg:ug(G1%'%84E2;/"D4%68,7)+"6=X%84E%7)/)+>4=>,E)+"4%7)%8W6E6/X%)/"!6+W6%6%;E6%<4+")%
+4!E6=%7)%<454X%6,+76%];)%+)/"6%H4//6%")!%4!,5)EX%)%];)%/)%H47)%H!4H656!%H)=4/%/);/%
H!BH!,4/%E),4/#
R G1%@% {t1%o@:\gG: %( %Ke %ce@( %'%7)/86!56%6"E4/<M!,86%484!!,76%)+"!)%6%+;>)E%
)%4%/4=4X%84+/,/",+74%)E%;E%4;%E6,/%,EH;=/4/%7)%84!!)+")%];)%84+<)!)E%64%<)+BE)+4%;E6%
=;E,+4/,767)%86!68")!Q/",86%i!6,4jX%)%];)%H!4>4];)%7)<4!E6-.)/%E)8l+,86/%H)!E6+)+")/%+4%
>)Q8;=4%/)5;!4#
@vTU1Kt1%'%6-D4%/f2,"6%)%>,4=)+"6%76%H!)//D4%4;%7)H!)//D4%7)%5Z/%4;%7)%>6H4!#
ARTIGO 2.º
ÂMBITO DE COBERTURA
M$7!;A2(8,2$!(9'4,7$%7!(:!9%&$!$/;!3('(C,6%7!8'7("!6!7[(!'(C,6%7!8'('2(8!.'2(2':7/8'2(
.'(;,#9%&'(2,6%7'3(W%,7(,2$,(2,(,.9'.$7,(,=(=!79H!('%("!7!8'3(7,9'&H/8'(,=(6!7!6,=(
'%(,=(W%!&W%,7('%$7'(&'9!&3(,=(9'.2,W%Y.9/!(8,()_ s_+)D3(bM)D(D\(Go?^DCqDJ
ARTIGO 3.º
FRANQUIA
r(9'4,7$%7!(8,()_ s_+)D3(bM)D(D\(Go?^DCqD(A(!"&/9[;,&(!(:7!.W%/!(/.8/9!8!(
nas Condições Particulares.
ARTIGO 4.º
EXCLUSÕES
IJ( M"&/9!=K2,(!(,2$!(9'4,7$%7!(:!9%&$!$/;!($'8!2(!2(,>9&%21,2("7,;/2$!2(.!(?!7$,(
))(8!2( '.8/01,2(a,7!/2(8!(M"L&/9,(8,(C,6%7'(M%$'=L;,&J(
PJ( C!&;'(9'.;,.0@'(,>"7,22!(,=(9'.$7[7/'3($!=4A=(.@'(,2$@'(6!7!.$/8'2('2(
8!.'2(.!(!"!7,&H!6,=('%(/.2$!&!0@'(,&A$7/9!3(8,28,(W%,(.@'(7,2%&$,=(8,(
/.9Y.8/'('%(,>"&'2@'J
ARTIGO 5.º
REMISSÃO
H=,86E^/)%6%)/"6%842)!";!6%<68;="6",>6%"476/%6/%!)5!6/%84+"!6";6,/%H!)>,/"6/%+6/%:4+7,-.)/%
a)!6,/%)%T6!",8;=6!)/%76% HB=,8)X%/6=>4%4%)/",H;=674%+4%H!)/)+")% !",54%];6+"4%6%)/"6%842)!";!6#
COBERTURA FACULTATIVA DE FURTO OU ROUBO
ARTIGO 1.º
DEFINIÇÕES
PeRS1%'%6H!4H!,6-D4%,=)5Q",E6%74%>)Q8;=4%/)5;!4X%,+8=;,+74%4%<;!"4%7)%;/4%i)+")+7,74%84E4%
6%;",=,`6-D4%74%>)Q8;=4%/)5;!4%84+"!6%6%>4+"67)%74%K)5;!674j#
R1eY1%'%6H!4H!,6-D4%,=)5Q",E6%74%>)Q8;=4%/)5;!4%E)7,6+")%4%;/4%7)%>,4=V+8,6%4;%6E)6-6%
H6!6%6%,+")5!,767)%<Q/,86%4;%H6!6%6%>,76%74%K)5;!674#
ARTIGO 2.º
ÂMBITO DE COBERTURA
M$7!;A2(8,2$!(9'4,7$%7!(:!9%&$!$/;!3('(C,6%7!8'7("!6!7[(!'(C,6%7!8'('2(8!.'2(2':7/8'2(
.'(;,#9%&'(2,6%7'(,=(9'.2,W%Y.9/!(8,(`\bFD(D\(bD\ED3($,.$!8'3(:7%2$7!8'('%(
consumado, de que resulte o seu desaparecimento, destruição ou deterioração.
24
ARTIGO 3.º
RESSARCIMENTO DE DANOS
G=(=!$A7/!(8,(7,22!79/=,.$'(8,(8!.'23("!7!(!&A=(8'(8/2"'2$'(.'(M7$JN(hSJN(
8,2$!2( '.8/01,2(a,7!/23(2,7[('42,7;!8'('(2,6%/.$,U
!X( ;,7/-9!.8'K2,(`\bFD(D\(bD\ED(8'(;,#9%&'(2,6%7'3('(C,6%7!8'(8,;,7[(!"7,2,.$!7(
/=,8/!$!=,.$,(W%,/>!(e(!%$'7/8!8,(9'=",$,.$,(,("7'=';,7($'8!2(!2(8/&/6Y.9/!2(
!'(2,%(!&9!.9,(9'.8%9,.$,2(e(8,29'4,7$!(8'(;,#9%&'(,(8'2(!%$'7,2(8'(97/=,Z
4X( '(C,6%7!8'7('47/6!K2,(!'("!6!=,.$'(8!(/.8,=./f!0@'(8,;/8!3(8,9'77/8'2(
W%,(2,5!=(iS(8/!2(2'47,(!(8!$!(8!("!7$/9/"!0@'(8!('9'77Y.9/!(e(!%$'7/8!8,(
9'=",$,.$,3(2,(!'(-=(8,22,(",7#'8'(.@'($/;,7(2/8'(,.9'.$7!8'('(;,#9%&'(2,6%7'J
ARTIGO 4.º
FRANQUIA
r(9'4,7$%7!(8,(`\bFD(D\(bD\ED(A(!"&/9[;,&(!(:7!.W%/!(/.8/9!8!(.!2( '.8/01,2(
Particulares.
ARTIGO 5.º
EXCLUSÕES
M"&/9!=K2,(!(,2$!(9'4,7$%7!(:!9%&$!$/;!($'8!2(!2(,>9&%21,2("7,;/2$!2(.!(?!7$,())(
8!2( '.8/01,2(a,7!/2(8!(M"L&/9,(8,(C,6%7'(M%$'=L;,&J
ARTIGO 6.º
REMISSÃO
H=,86E^/)%6%)/"6%842)!";!6%<68;="6",>6%"476/%6/%!)5!6/%84+"!6";6,/%H!)>,/"6/%+6/%:4+7,-.)/%
a)!6,/%)%T6!",8;=6!)/%76% HB=,8)X%/6=>4%4%)/",H;=674%+4%H!)/)+")% !",54%];6+"4%6%)/"6%842)!";!6#
COBERTURA FACULTATIVA DE QUEBRA DE FAROL
ARTIGO 1.º
DEFINIÇÕES
ce@YR %(@%P R1U%'%<!6";!6%484!!,76%)E%84+/)];V+8,6%7)%/,+,/"!4%+4%<6!4=%7,6+"),!4%4;%
<6!B,/%7,6+"),!4/X%];6+74%,+")5!674/%7)%<Z2!,86X%];)%<6-6E%H6!")%74%/,/")E6%7)%,=;E,+6-D4%
74%>)Q8;=4%/)5;!4#
ARTIGO 2.º
ÂMBITO DE COBERTURA
IJ( M$7!;A2(8,2$!(9'4,7$%7!(:!9%&$!$/;!3('(C,6%7!8'7("!6!7[(!'(C,6%7!8'('2(8!.'2(
2':7/8'2(.'(:!7'&(8/!.$,/7'(8'(;,#9%&'(2,6%7'(,=(9'.2,W%Y.9/!(8,(l\GEbM(+G(`MbD^J
PJ( G=(=!$A7/!(8,(7,22!79/=,.$'(8,(8!.'23("!7!(!&A=(8'(8/2"'2$'(.'(M7$JN(hSJN(
8,2$!2( '.8/01,2(a,7!/23(,2$!4,&,9,K2,(W%,('(;!&'7(!(/.8,=./f!7(9'77,2"'.8,(
!'(9%2$'(8'(:!7'&(8,(2%42$/$%/0@'(,(8!(2%!(9'&'9!0@'3(&/=/$!8'(!'(9!"/$!&(
"7,;/2$'(.!2( '.8/01,2(?!7$/9%&!7,2(8'(9'.$7!$'(8,(2,6%7'J
ARTIGO 3.º
FRANQUIA
r(9'4,7$%7!(8,(l\GEbM(+G(`MbD^(A(!"&/9[;,&(%=!(:7!.W%/!(8,(jt(2'47,('(;!&'7(!(
/.8,=./f!73(.'(=#./='(8,(PS3SSu(,(=[>/='(8,(ISS3SSuJ
ARTIGO 4.º
EXCLUSÕES
IJ( M"&/9!=K2,(!(,2$!(9'4,7$%7!(:!9%&$!$/;!($'8!2(!2(,>9&%21,2("7,;/2$!2(.!(?!7$,(
))(8!2( '.8/01,2(a,7!/2(8!(M"L&/9,(8,(C,6%7'(M%$'=L;,&J
25
PJ( C!&;'(9'.;,.0@'(,>"7,22!(,=(9'.$7[7/'3($!=4A=(.@'(,2$@'(!47!.6/8'2("'7(
,2$!(9'4,7$%7!('2(8!.'2U
!X( '9'77/8'2(,=(:!7'&/.2(,(&%f,2(/.8/9!8'7!2(8,(=%8!.0!(8,(8/7,0@'(]"/29!2XZ(
4X( W%,(9'.2/2$!=(,=(7/29'2(.'(`!7'&Z(
9X( W%,(8,9'77!=(8,('",7!01,2(8,(9'&'9!0@'('%(='.$!6,=(8,:,/$%'2!2J
ARTIGO 5.º
REMISSÃO
H=,86E^/)%6%)/"6%842)!";!6%<68;="6",>6%"476/%6/%!)5!6/%84+"!6";6,/%H!)>,/"6/%+6/%:4+7,-.)/%
a)!6,/%)%T6!",8;=6!)/%76% HB=,8)X%/6=>4%4%)/",H;=674%+4%H!)/)+")% !",54%];6+"4%6%)/"6%
842)!";!6#
COBERTURA FACULTATIVA DE DANOS NO CAPACETE
ARTIGO 1.º
DEFINIÇÕES
: T :@S@%'%423)"4%;/674%H)=4%84+7;"4!%74%>)Q8;=4%/)5;!4%];)%/)!>)%H6!6%H!4")5)!%6%
862)-6%7)%,EH6"4/%)A")!+4/#
ARTIGO 2.º
ÂMBITO DE COBERTURA
IJ( M$7!;A2(8,2$!(9'4,7$%7!(:!9%&$!$/;!3('(C,6%7!8'7("!6!7[(!'(C,6%7!8'('2(8!.'2(
2':7/8'2(.'(9!"!9,$,(8'(9'.8%$'7(8'(;,#9%&'(2,6%7'(,=(9'.2,W%Y.9/!(8,(
2/./2$7'(!'(!47/6'(8!2(9'4,7$%7!2(8,( pDl\G3( D^)CqD(D\( M?DFMVG_FD3(
)_ s_+)D3(bM)D(D\(Go?^DCqD(,(`\bFD(D\(bD\ED3(8,28,(,(.!(=,8/8!(
,=(W%,(,22!2(9'4,7$%7!2($,.H!=(2/8'(2%4297/$!2(.,2$,(9'.$7!$'(,('(2,%(
funcionamento tenha sido acionado.
PJ( D2(7/29'2(8,( pDl\G3( D^)CqD(D\( M?DFMVG_FD3()_ s_+)D3(bM)D(D\(
Go?^DCqD3(,(`\bFD(D\(bD\ED(2@'(,.$,.8/8'23("!7!(,:,/$'2(8,2$!( '.8/0@'(
G2",9/!&3(8!(=,2=!(:'7=!(W%,(2@'(8,-./8'2(.!2(7,2",$/;!2( '.8/01,2(
G2",9/!/2(,.W%!.$'(9'4,7$%7!2(:!9%&$!$/;!2(8!(M"L&/9,(8,(C,6%7'(M%$'=L;,&J
dJ( G=(=!$A7/!(8,(7,22!79/=,.$'(8,(8!.'23(!$7!;A2(8,2$!(9'4,7$%7!(:!9%&$!$/;!('(
C,6%7!8'7("!6!7[(!'(C,6%7!8'(%=!(/.8,=./f!0@'3(!$A(!'(='.$!.$,(/.8/9!8'(
.!2( '.8/01,2(?!7$/9%&!7,2(9'='( !"/$!&(C,6%7'3(",&'2(8!.'2(2':7/8'2(.'(
CAPACETE, sempre que estas ocorram de forma acidental e que os mesmos
/="'22/4/&/$,=(!(.'7=!&(%$/&/f!0@'('%(.@'(",7=/$!=('(9%="7/=,.$'(8!(:%.0@'(
8,("7'$,0@'(!'(9'.8%$'7(8'(;,#9%&'(2,6%7'J
ARTIGO 3.º
FRANQUIA
r(9'4,7$%7!(8,(+M_DC(_D( M?M GFG(.@'(A(!"&/9[;,&(W%!&W%,7(:7!.W%/!3(2!&;'(
9'.;,.0@'(,>"7,22!(,=(9'.$7[7/'(,2$!4,&,9/8!(.!2( '.8/01,2(?!7$/9%&!7,2
ARTIGO 4.º
EXCLUSÕES
IJ( M"&/9!=K2,(!(,2$!(9'4,7$%7!(:!9%&$!$/;!($'8!2(!2(,>9&%21,2("7,;/2$!2(.!(?!7$,(
)(8!2( '.8/01,2(a,7!/2(8!(M"L&/9,(8,(C,6%7'(M%$'=L;,&3(,>9,$'(!2(/.8/9!8!2(
.!(!&#.,!(!X(8'(.JN(PJ(8'(M7$Jv(iJN(,>9&%2/;!=,.$,(.'(W%,($'9!(!'2(7/29'2(
6!7!.$/8'2("'7(,2$!(9'4,7$%7!(:!9%&$!$/;!J
PJ( G>9&%,=K2,($!=4A=(8!(9'4,7$%7!(:!9%&$!$/;!(8,(+M_DC(_D( M?M GFG('2(
2,6%/.$,2(8!.'2U
!X( B,7/-9!8'2(,>9&%2/;!=,.$,(.!(;/2,/7!(8'(9!"!9,$,Z
4X( !%2!8'2("'7(7/29'2(7,2%&$!.$,2(8!(.'7=!&(%$/&/f!0@'(8'(9!"!9,$,J
26
ARTIGO 5.º
REMISSÃO
H=,86E^/)%6%)/"6%842)!";!6%<68;="6",>6%"476/%6/%!)5!6/%84+"!6";6,/%H!)>,/"6/%+6/%:4+7,-.)/%
a)!6,/%)%T6!",8;=6!)/%76% HB=,8)X%/6=>4%4%)/",H;=674%+4%H!)/)+")% !",54%];6+"4%6%)/"6%842)!";!6#
COBERTURA FACULTATIVA DE COBERTURA
DO CONDUTOR
ARTIGO 1.º
DEFINIÇÕES
T@KK1 %K@aeR %'%:4+/,7)!6^/)%T)//46%K)5;!6X%4%84+7;"4!%74%>)Q8;=4%+4%E4E)+"4%74%
/,+,/"!4#%1/%76+4/%/4<!,74/%H)=4/%7)E6,/%48;H6+")/%74%>)Q8;=4%)+84+"!6E^/)%84+")EH=674/%
+4%lE2,"4%76%842)!";!6%42!,56"B!,6%74%/)5;!4%7)%!)/H4+/62,=,767)%8,>,=%6;"4EB>)=#
:G(@gS@%(@%LG {t1%'%4%484!!,74%)E%84+/)];V+8,6%)A8=;/,>6%76%8,!8;=6-D4%!474>,Z!,6X%
,+7)H)+7)+")E)+")%7)%4%>)Q8;=4%,+7,8674%+6/%:4+7,-.)/%T6!",8;=6!)/%7)/")%84+"!6"4%)/"6!%
4;%+D4%)E%E4>,E)+"4X%];6+74%6%T)//46%K)5;!6%/)%)+84+"!)%7)+"!4%7)=)X%6%)+"!6!%4;%6%/6,!%
7)=)X%4;%6%H6!",8,H6!%7)%<4!E6%6",>6X%+4%7)8;!/4%7)%;E6%>,65)EX%)E%"!626=W4/%7)%H)];)+6%
!)H6!6-D4%4;%7)/)EH6+65)E%7)//)%>)Q8;=4#%
GgL UG(@|%T@Ro g@gS@%'%/,";6-D4%7)%=,E,"6-D4%<;+8,4+6=%H)!E6+)+")%/42!)>,+76%[%T)//46%
K)5;!6%)E%84+/)];V+8,6%76/%=)/.)/%H!47;`,76/%H4!%;E%68,7)+")#
(@KT@K K%(@%SR S o@gS1%'%6/%!)=6",>6/%6%W4+4!Z!,4/%EM7,84/%)%,+")!+6E)+"4%W4/H,"6=6!X%
6//,E%84E4%6//,/"V+8,6%E)7,86E)+"4/6%)%7)%)+<)!E65)EX%];)%<4!)E%+)8)//Z!,4/%)E%
84+/)];V+8,6%7)%68,7)+")%56!6+",74%H)=6%H!)/)+")%:4+7,-D4%@/H)8,6=#
ARTIGO 2.º
ÂMBITO DE COBERTURA
&#%
"!6>M/%7)/"6%842)!";!6%<68;="6",>6X%4%K)5;!674!%56!6+")%4%H656E)+"4%76/%,+7)E+,`6-.)/%
*A676/%+6/%:4+7,-.)/%T6!",8;=6!)/X%)E%84+/)];V+8,6%7)%68,7)+")%7)%>,6-D4%];)%H!4>4];)%
6%E4!")X%,+>6=,7)`%H)!E6+)+")%4;%7)/H)/6/%7)%"!6"6E)+"4%[%T)//46%K)5;!6%];6+74%
"!6+/H4!"676%+4%>)Q8;=4%7)/,5+674%+6/%:4+7,-.)/%T6!",8;=6!)/#
0#% 1%86H,"6=%H4!%E4!")%/B%M%7)>,74%/)%6%E)/E6%484!!)!%+4%7)8;!/4%7)%74,/%6+4/%6%84+"6!%74%
68,7)+")%7)%>,6-D4#
9#% 1%86H,"6=%H4!%,+>6=,7)`%H)!E6+)+")%/B%M%7)>,74%/)%6%E)/E6%<4!%8=,+,86E)+")%84+/"6"676%
+4%7)8;!/4%7)%74,/%6+4/%6%84+"6!%76%76"6%74%68,7)+")%7)%>,6-D4#
N#% 1/%86H,"6,/%/)5;!4/%H6!6%4/%!,/84/%7)%E4!")%)%,+>6=,7)`%H)!E6+)+")%+D4%/D4%8;E;=Z>),/X%H)=4%
];)X%/)%6%T)//46%K)5;!6%>,)!%6%<6=)8)!%)E%84+/)];V+8,6%7)%68,7)+")%7)%>,6-D4X%64%86H,"6=%H4!%
E4!")%/)!Z%7)7;`,74%4%>6=4!%74%86H,"6=%H4!%,+>6=,7)`%H)!E6+)+")%];)X%)>)+";6=E)+")%=W)%
")+W6%/,74%6"!,2;Q74%4;%H654%!)=6",>6E)+")%64%E)/E4%68,7)+")%7)%>,6-D4#
ARTIGO 3.º
EXCLUSÕES
IJ( M"&/9!=K2,(!(,2$!(9'4,7$%7!(:!9%&$!$/;!($'8!2(!2(,>9&%21,2("7,;/2$!2(.!(?!7$,(
))(8!2( '.8/01,2(a,7!/2(8!(M"L&/9,(8,(C,6%7'(M%$'=L;,&J
PJ( _'(<=4/$'(8,2$!(9'4,7$%7!(:!9%&$!$/;!3(,>9&%,=K2,($!=4A=U
a) acidentes resultantes de cataclismos da Natureza, riscos nucleares,
!22!&$'23(67,;,23($%=%&$'2(,(6%,77!Z
4X( !9/8,.$,2(7,2%&$!.$,2(8,(!$'2(8'&'2'2(8'(F'=!8'7(8'(2,6%7'(,R'%(
?,22'!(C,6%7!3('%("'7(",22'!("'7(W%,=(2,5!=(9/;/&=,.$,(7,2"'.2[;,/23(
,=47/!6%,f3(%2'(8,(,2$%",:!9/,.$,2(:'7!(8,("7,297/0@'(=A8/9!3(8,=Y.9/!(
'%(2%/9#8/'(8!(?,22'!(C,6%7!('%(8'(9'.8%$'7(8'(;,#9%&'(/8,.$/-9!8'(.!2(
'.8/01,2(?!7$/9%&!7,2Z
9X( !9/8,.$,2(7,2%&$!.$,2(8,(9'.8%0@'("'7(",22'!(.@'(H!4/&/$!8!(&,6!&=,.$,3(
"'22,('%(%$/&/f!0@'(!4%2/;!(8'(;,#9%&'3(9'=",$/01,23(8,2"'7$/;!2('%(.@'J
27
ARTIGO 4.º
OBRIGAÇÕES DO TOMADOR DO SEGURO
E/OU PESSOA SEGURA
IJ( G=(9!2'(8,(!9/8,.$,3(2'4(",.!(8,(7,2"'.8,7("'7(",78!2(,(8!.'23('(F'=!8'7(
8'(2,6%7'(,R'%(?,22'!(C,6%7!(-9!=('47/6!8'23("!7!(!&A=(8!2('47/6!01,2(
,2$!4,&,9/8!2(.!2( '.8/01,2(a,7!/2(!U
&#&#% S4E6!%,E)7,6"6/%H!4>,7V+8,6/%H6!6%)>,"6!%4%65!6>6E)+"4%76/%84+/)];V+8,6/%74%
68,7)+")q
1.2. Participar o acidente, por escrito, nos 8 dias imediatos à data da
'9'77Y.9/!3(/.8/9!.8'(9&!7!=,.$,U
w( _JN(+G(M?x^) GZ
w( _DVG(+D(FDVM+Db(+D(CGa\bD(GRD\(?GCCDM(CGa\bMZ
w( )b \_CFy_ )MC(+D(M )+G_FG(]$!/2(9'='(8/!3(H'7!3(&'9!&3(9!%2!23(;,#9%&'2(,(
",22'!2(,.;'&;/8'23($,2$,=%.H!2XZ
w( _MF\bGzM(+DC(+M_DC(]aMbM_F)MC(M )D_M+MCXZ
,(W%!/2W%,7('%$7'2(,&,=,.$'2(9'.2/8,7!8'2(7,&,;!.$,2Z
IJdJ(?7'=';,7('(,.;/'3(!$A(j(8/!2(!"L2(!(?,22'!(C,6%7!($,7(2/8'(9&/./9!=,.$,(
!22/2$/8!3(8,(%=!(8,9&!7!0@'(8'(=A8/9'(8,('.8,(9'.2$,(!(.!$%7,f!(,(
&'9!&/f!0@'(8!2(&,21,23('(2,%(8/!6.L2$/9'3(4,=(9'='(!(/.8/9!0@'(8!(
"'22#;,&(/.;!&/8,f(",7=!.,.$,Z
IJOJ( '=%./9!73(!$A(j(8/!2(!"L2(!(2%!(;,7/-9!0@'3(!(9%7!(8!2(&,21,23(
"7'=';,.8'('(,.;/'(8!(8,9&!7!0@'(=A8/9!(8,('.8,(9'.2$,3(!&A=(8!(8!$!(8!(
!&$!3(!(",79,.$!6,=(8,(/.;!&/8,f(",7=!.,.$,(,;,.$%!&=,.$,(9'.2$!$!8!Z
&#O#% @+"!)56!X%H6!6%4%!))E24=/4%6%];)%W4;>)!%=;56!X%4%4!,5,+6=%7)%"474/%4/%748;E)+"4/%
3;/",*86",>4/%76/%7)/H)/6/%)<)";676/%)%62!6+5,76/%H)=4%84+"!6"4#
0#% @E%86/4%7)%68,7)+")X%6%T)//46%K)5;!6%*86%42!,5676%6k
0#&#% :;EH!,!%6/%H!)/8!,-.)/%EM7,86/X%/42%H)+6%7)%4%K)5;!674!%6H)+6/%!)/H4+7)!%
H)=6/%84+/)];V+8,6/%74%68,7)+")%];)%H!)/;E,>)=E)+")%/)%>)!,*86!,6E%/)%6];)=6/%
H!)/8!,-.)/%",>)//)E%/,74%42/)!>676/q
0#0#% K;3),"6!^/)%6%)A6E)%H4!%EM7,84%7)/,5+674%H)=4%K)5;!674!X%/)EH!)%];)%)/")%4%
!)];),!6q
0#9#% ;"4!,`6!%4/%EM7,84/%6%H!)/"6!)E%"476/%6/%,+<4!E6-.)/%/4=,8,"676/%H)=4%K)5;!674!#
9#% K)%74%68,7)+")%!)/;="6!%6%E4!")%76%T)//46%K)5;!6X%7)>)!D4X%)E%84EH=)E)+"4%[%
!)/H)",>6%H6!",8,H6-D4X%/)!%)+>,674/%64%K)5;!674!%"474/%4/%)=)E)+"4/%];)%)/")%/4=,8,")%
)%84+/,7)!)%+)8)//Z!,4/%H6!6%4%"4"6=%)/8=6!)8,E)+"4%76/%8,!8;+/"l+8,6/%74%/,+,/"!4%)%/;6/%
84+/)];V+8,6/#
N#% g4%86/4%7)%84EH!4>676%,EH4//,2,=,767)%7)%4%S4E674!%74%/)5;!4%)_4;%T)//46%K)5;!6%
8;EH!,!)E%];6,/];)!%42!,56-.)/%H!)>,/"6/%+)/")% !",54X%"!6+/<)!)^/)%"6=%42!,56-D4%H6!6%
];)E%'%S4E674!%74%/)5;!4X%T)//46%K)5;!6%4;%W)!7),!4/%=)5Q",E4/%'%6%H4//6%8;EH!,!#
hJ( M2(8,9&!7!01,2(/.,>!9$!2('%(/.9'="&,$!23(4,=(9'='(!(7,$/9Y.9/!(8,(:!$'2('%(
9/79%.2$<.9/!2(W%,("'8,7/!=($,7(/.k%#8'(.!(!"7,9/!0@'(8!(7,2"'.2!4/&/8!8,(
!(9!76'(8'(C,6%7!8'7(/="&/9!=('(8,;,7(8,(7,2"'.8,7(",&!2(",78!2(,(8!.'2(
8!#(7,2%&$!.$,23("!7!(!&A=(8,(8,$,7=/.!7('(.@'(:%.9/'.!=,.$'(8!2(6!7!.$/!2(
previstas nesta Condição Especial.
ARTIGO 5.º
RESSARCIMENTO DOS DANOS
&#% 1/%>6=4!)/%/)5;!4/%84+/"6E%)AH!)//6E)+")%76/%:4+7,-.)/%T6!",8;=6!)/#
0#% g4%86/4%7)%E4!")X%4%K)5;!674!%H656!Z%4%84!!)/H4+7)+")%86H,"6=%/)5;!4%64/%W)!7),!4/%
=)5Q",E4/%/)5;+74%6/%!)5!6/%)%H)=6%4!7)E%)/"62)=)8,76%+6/%6=Q+)6/%6j%6%7j%74%+#$%&%74%
!"#$%0&99#$%74%:B7,54%:,>,=#
9#% G+>6=,7)`%T)!E6+)+")
9#&#% g4%86/4%7)%,+>6=,7)`%H)!E6+)+")X%4%K)5;!674!%H656!Z%6%H6!")%84!!)/H4+7)+")%64%
86H,"6=%/)5;!4X%7)")!E,+676%H)=6%S62)=6%7)%()/>6=4!,`6-.)/%];)%<6`%H6!")%,+")5!6+")%
7)/"6%:4+7,-D4%@/H)8,6=X%/)+74%)/")%>6=4!%)=)>674%H6!6%4%742!4X%+4%86/4%7)%6%
7)/>6=4!,`6-D4%/)!%,5;6=%4;%/;H)!,4!%6%OJwq
28
9#0#%1%H656E)+"4%74%86H,"6=X%+6%<6="6%7)%,+7,86-D4%)AH!)//6%)E%84+"!Z!,4%+6/%:4+7,-.)/%
T6!",8;=6!)/X%/)!Z%<),"4%[%T)//46%K)5;!6q
9#9#% /%,+86H68,767)/%];)%7)!,>)E%7)%=)/.)/%+D4%7)/8!,"6/%+6%S62)=6%/)!D4%6>6=,676/%
H)=4%84)*8,)+")%!)=6",>4%6%/,";6-.)/%6+Z=456/q
9#N#% K)%6%T)//46%K)5;!6%<4!%86+W4"6X%6/%H)!8)+"65)+/%7)%,+>6=,7)`%H6!6%4%E)E2!4%
/;H)!,4!%7,!),"4%6H=,86E^/)%64%E)E2!4%/;H)!,4!%)/];)!74q
9#O#% @E%];6=];)!%E)E2!4%4;%B!5D4X%4/%7)<),"4/%<Q/,84/%7)%];)%6%T)//46%K)5;!6%3Z%)!6%
H4!"674!6%[%76"6%74%68,7)+")%/)!D4%"4E674/%)E%84+/,7)!6-D4%64%*A6!^/)%4%5!6;%7)%
7)/>6=4!,`6-D4%7)=)%H!4>)+,)+")X%4%];6=%84!!)/H4+7)!Z%[%7,<)!)+-6%)+"!)%6%,+>6=,7)`%
3Z%)A,/")+")%)%6];)=6%];)%H6//4;%6%)A,/",!q
9#?#% @E%!)=6-D4%6%;E%E)/E4%E)E2!4%4;%B!5D4X%6/%7)/>6=4!,`6-.)/%68;E;=676/%+D4%
H47)E%)A8)7)!%6];)=6%];)%84!!)/H4+7)!,6%[%H)!76%"4"6=%7)//)%E)E2!4%4;%B!5D4q
9#C#% K)EH!)%];)%7)%;E%68,7)+")%!)/;=")E%=)/.)/%)E%E6,/%7)%;E%E)E2!4%4;%B!5D4X%4%
86H,"6=%6%H656!%42"VE^/)%/4E6+74%4%86H,"6=%7)>,74%H4!%8676%;E6%76/%=)/.)/X%/)E%
];)%4%"4"6=%H4//6%)A8)7)!%4%86H,"6=%/)5;!4#
N#% ()/H)/6/%7)%S!6"6E)+"4k
N#&#% 1%K)5;!674!%H!48)7)!Z%64%!))E24=/4X%6"M%[%];6+",6%H6!6%4%)<),"4%*A676%+6/%
:4+7,-.)/%T6!",8;=6!)/X%76/%7)/H)/6/%+)8)//Z!,6/%H6!6%4%"!6"6E)+"4%76/%=)/.)/%
/4<!,76/%)%];)%/)36E%!)8=6E676/%+4%7)8;!/4%74/%IJ%7,6/%H4/")!,4!)/%[%76"6%76%6="6q
N#0#% 1%!))E24=/4%/)!Z%<),"4%6%];)E%84EH!4>6!%")!%H654%6/%7)/H)/6/%)%H)!6+")%)+"!)56%
7)%748;E)+"6-D4%3;/",*86",>6q
N#9#% 1%!))E24=/4%76/%7)/H)/6/%7)%"!6"6E)+"4X%+4%86/4%7)%)A,/",!)E%4;"!4/%/)5;!4/%
842!,+74%4%E)/E4%!,/84X%/)!Z%<),"4%+4/%")!E4/%74/% !"#4/%N99#$%)%N9N#$%74%:B7,54%
:4E)!8,6=q
N#N#% R)=6",>6E)+")%6%7)/H)/6/%7)%"!6"6E)+"4X%4%K)5;!674!%*86%/;2^!45674%)E%"474/%
4/%7,!),"4/%74%K)5;!674X%T)//46%K)5;!6%)%2)+)*8,Z!,4/%84+"!6%!)/H4+/Z>),/%H)=4%
68,7)+")X%6"M%[%84+84!!V+8,6%76/%,EH4!"l+8,6/%H656/#
O#% K6=>4%)AH!)//6%:4+7,-D4%T6!",8;=6!%)E%84+"!Z!,4X%/)%6/%84+/)];V+8,6/%7)%;E%68,7)+")%
<4!)E%65!6>676/%H4!%74)+-6%4;%)+<)!E,767)%6+")!,4!%[%76"6%76];)=)X%6%!)/H4+/62,=,767)%
74%K)5;!674!%+D4%H47)!Z%)A8)7)!%6%];)%")!,6%/)%4%68,7)+")%",>)//)%484!!,74%6%;E6%
H)//46%+D4%H4!"674!6%7)//6%74)+-6%4;%)+<)!E,767)#
ARTIGO 6.º
FRANQUIA
K6=>4%7,/H4/,-D4%)E%84+"!Z!,4X%[%H!)/)+")%842)!";!6%+D4%M%6H=,8Z>)=%];6=];)!%<!6+];,6#
ARTIGO 7.º
REMISSÃO
H=,86E^/)%6%)/"6%842)!";!6%<68;="6",>6%"476/%6/%!)5!6/%84+"!6";6,/%H!)>,/"6/%+6/%:4+7,-.)/%
a)!6,/%)%T6!",8;=6!)/%76% HB=,8)X%/6=>4%4%)/",H;=674%+6%H!)/)+")%:4+7,-D4%@/H)8,6=#
TABELA DE DESVALORIZAÇÃO QUE SERVE DE BASE AO CÁLCULO
DAS INDEMNIZAÇÕES DEVIDAS POR INVALIDEZ PERMANENTE
COMO CONSEQUÊNCIA DE ACIDENTE DE VIAÇÃO
A) Invalidez Permanente Total
t
^% T)!76%"4"6=%74/%74,/%4=W4/%4;%76%>,/D4%74/%74,/%4=W4/
100
^% T)!76%84EH=)"6%74%;/4%74/%74,/%E)E2!4/%,+<)!,4!)/%4;%/;H)!,4!)/
100
^% =,)+6-D4%E)+"6=%,+8;!Z>)=%)%"4"6=X%!)/;="6+")%7,!)"6%)%)A8=;/,>6E)+")%
7)%;E%68,7)+")
100
^% T)!76%84EH=)"6%76/%7;6/%ED4/%4;%74,/%HM/
100
^% T)!76%84EH=)"6%7)%;E%2!6-4%)%7)%;E6%H)!+6%4;%7)%;E6%ED4%)%7)%;E6%
perna
100
^% T)!76%84EH=)"6%7)%;E%2!6-4%)%7)%;E%HM%4;%7)%;E6%ED4%)%7)%;E%HM
100
^% s)E,H=)5,6%4;%H6!6H=)5,6%84EH=)"6
100
29
t
B) Invalidez Permanente Parcial
CABEÇA
^% T)!76%84EH=)"6%7)%;E%4=W4%4;%!)7;-D4%6%E)"67)%76%>,/D4%2,48;=6!
25
^% K;!7)`%"4"6=
60
^% K;!7)`%84EH=)"6%7)%;E%4;>,74
15
^% K,+7!4E6%HB/^84E48,4+6=%74/%"!6;E6",/E4/%8!6+,6+4/X%/)E%/,+6=%423)",>4
5
^% @H,=)H/,6%5)+)!6=,`676%HB/^"!6;EZ",86X%;E6%4;%7;6/%8!,/)/%84+>;=/,>6/%H4!%
EV/%84E%"!6"6E)+"4
50
^% +4/E,6%62/4=;"6
4
^% P!6";!6%74/%4//4/%H!BH!,4/%74%+6!,`%4;%74%/)H"4%+6/6=%84E%E6=^)/"6!%
!)/H,!6"B!,4
3
^% @/")+4/)%+6/6=%"4"6=X%;+,=6")!6=
4
^% P!6";!6%+D4%84+/4=,7676%74%E6A,=6!%,+<)!,4!
20
^% T)!76%"4"6=%4;%];6/)%"4"6=%74/%7)+")/k
}% 84E%H4//,2,=,767)%7)%H!B")/)..............................................................................
}% /)E%H4//,2,=,767)%7)%H!B")/)..............................................................................
10
35
^% 2=6-D4%84EH=)"6%74%E6A,=6!%,+<)!,4!
70
^% T)!76%7)%/;2/"l+8,6%74%8!l+,4%,+")!)//6+74%6/%7;6/%"Z2;6/%)%84E%;E%
7,lE)"!4%EZA,E4k
}% /;H)!,4!%6%N%8E.......................................................................................................
35
}% /;H)!,4!%6%0%)%,5;6=%4;%,+<)!,4!%6%N%8E .............................................................
25
}% 7)%0%8E.....................................................................................................................
15
VGVEbDC(C\?Gb)DbGC(G(GC?{+\MC
D
E
^% P!6";!6%76%8=6>Q8;=6%84E%/)];)=6%+Q",76
5
3
^% R,5,7)`%74%4E2!4%H4;84%68)+";676
5
3
^% R,5,7)`%74%4E2!4X%H!43)8-D4%H6!6%6%<!)+")%6%627;-D4%+D4%6",+5,+74%IJ$
15
11
^% T)!76%84EH=)"6%74%E4>,E)+"4%74%4E2!4
30
25
^% EH;"6-D4%74%2!6-4%H)=4%")!-4%/;H)!,4!%4;%H)!76%84EH=)"6%74%;/4%74%2!6-4
70
55
^% T)!76%84EH=)"6%74%;/4%7)%;E6%ED4
60
50
^% P!6";!6%+D4%84+/4=,7676%7)%;E%2!6-4
40
30
^% T/);76!"!4/)%7)%;E%4//4%74%6+")2!6-4
25
20
^% T)!76%84EH=)"6%74%;/4%74%E4>,E)+"4%74%84"4>)=4
20
15
}% T)!7)+74%4%E)"686!H4 .........................................................................................
25
20
}% :4+/)!>6+74%4%E)"686!H4 ...................................................................................
20
15
^% EH;"6-D4%74%,+7,8674!
15
10
^% EH;"6-D4%74%EM7,4
8
6
^% EH;"6-D4%74%6+)=6!
8
6
^% EH;"6-D4%74%7)74%EQ+,E4
8
6
^% T)!76%84EH=)"6%74/%E4>,E)+"4/%74%H;+W4
12
9
^% T/);76!"!4/)%7)%;E%/-4%4//4%74%6+")2!6-4
10
8
^% P!6";!6%74%&#$%E)"686!H4%84E%/)];)=6/%];)%7)")!E,+)E%,+86H68,767)%
<;+8,4+6=
4
3
^% P!6";!6%74%O#$%E)"686!H4%84E%/)];)=6/%];)%7)")!E,+)E%,+86H68,767)%
<;+8,4+6=
2
1
^% EH;"6-D4%74%H4=)56!k
VGVEbDC()_`Gb)DbGC
^% ()/6!",8;=6-D4%7)%;E%E)E2!4%,+<)!,4!%H)=6%6!",8;=6-D4%74%34)=W4
60
^% EH;"6-D4%76%84A6%H)=4%")!-4%EM7,4
50
^% T)!76%84EH=)"6%74%;/4%7;E6%H)!+6%626,A4%76%6!",8;=6-D4%74%34)=W4
40
^% T)!76%84EH=)"6%74%HM
40
^% P!6";!6%+D4%84+/4=,7676%76%84A6
45
^% P!6";!6%+D4%84+/4=,7676%7;E6%H)!+6
40
30
B) Invalidez Permanente Parcial
t
^% EH;"6-D4%H6!8,6=%7;E%HMX%84EH!))+7)+74%"474/%4/%7)74/%)%;E6%H6!")%74%HM
25
^% T)!76%84EH=)"6%74%E4>,E)+"4%76%6+86
35
^% T)!76%84EH=)"6%74%E4>,E)+"4%74%34)=W4
25
^% +];,=4/)%84EH=)"6%74%"4!+4`)=4%)E%H4/,-D4%<6>4!Z>)=
12
^% K)];)=6/%E47)!676/%7)%<!68";!6%"!6+/>)!/6=%76%!B";=6
10
^% @+8;!"6E)+"4%7)%;E%E)E2!4%,+<)!,4!%)Ek
}% O%8E%4;%E6,/...........................................................................................................
20
}% 9%6%O%8E ...................................................................................................................
15
}% 0%6%9%8E ...................................................................................................................
10
^% EH;"6-D4%74%7)74%5!6+7)%74%HM%84E%4%/);%E)"6"6!/4
10
^% T)!76%84EH=)"6%7)%];6=];)!%7)74%7)%HMX%84E%)A8=;/D4%74%7)74%5!6+7)
3
bMl\)C(K(FxbMo
^% P!6";!6%76%84=;+6%>)!")2!6=%8)!>,86=%/)E%=)/D4%E)7;=6!
10
^% P!6";!6%76%84=;+6%>)!")2!6=%74!/6=%4;%=4E26!k
% :4EH!)//D4%84E%!,5,7)`%!6];,7,6+6%+Q",76%/)E%/,+6,/%+);!4=B5,84/
10
^% :)!>,86=5,6/%84E%!,5,7)`%!6];,7,6+6%+Q",76
5
^% U4E26=5,6/%84E%!,5,7)`%!6];,7,6+6%+Q",76
5
^% T6!6H=)5,6%<!;/")X%E6!8W6%H4//Q>)=X%)/H6/E47,8,767)%74E,+6+74%6%H6!6=,/,6
20
^% =5,6/%!67,8;=6!)/%84E%,!!67,6-D4%i<4!E6%=,5),!6j
2
^% P!6";!6%,/4=676%74%)A")!+4%84E%/)];)=6/%H4;84%,EH4!"6+")/
3
^% P!6";!6%;+,84/"6=%84E%/)];)=6/%H4;84%,EH4!"6+")/
1
^% P!6";!6/%Ef=",H=6/%7)%84/")=6/%84E%/)];)=6/%,EH4!"6+")/
8
^% R)/Q7;4/%7;E%7)!!6E)%"!6;EZ",84%84E%/,+6,/%!67,4=B5,84/
5
ME+xVG_
^% 2=6-D4%74%26-4X%84E%/)];)=6/%W)E6"4=B5,86/X%/)E%E6+,<)/"68.)/%8=Q+,86/
10
^% g)<!)8"4E,6
20
^% :,86"!,`%6274E,+6=%7)%,+")!>)+-D4%8,!f!5,86%84E%)>)+"!6-D4%7)%&J%8E%
+D4%4H)!Z>)=
15
COBERTURA FACULTATIVA DE ASSISTÊNCIA EM VIAGEM
ARTIGO 1.º
DEFINIÇÕES
)))(*(MCC)CFs_ )M(GV(B)MaGV(K(+)bG F
ARTIGO 1.º
DEFINIÇÕES
?GCCDM(CGa\bM%'%M%6%2)+)*8,Z!,6%74%<;+8,4+6E)+"4%76/%56!6+",6/%H!)>,/"6/%+)/"6%
:4+7,-D4%@/H)8,6=#%:4+/,7)!6^/)%T)//46%K)5;!6X%/)36%4;%+D4%48;H6+")%74%>)Q8;=4%/)5;!4k
6j% 4%S4E674!%74%K)5;!4q
2j% 4%/);%8y+3;5)%4;%H)//46%84E%];)E%)=)%8462,")%84E%86!Z")!%7)%H)!E6+V+8,6q
8j% 6/8)+7)+")/%)%7)/8)+7)+")/%6"M%64%0#$%5!6;%];)%84E%)=)%8462,")E%)%6%/);%86!54#
/%56!6+",6/%7)%6//,/"V+8,6%6%)/"6/%T)//46/%K)5;!6/%/D4%/)EH!)%6//)5;!676/X%6,+76%];)%6/%
E)/E6/%>,65)E%/)H6!676E)+")%)%)E%];6=];)!%"!6+/H4!")#
7,8,4+6=E)+")X%"6E2ME%/D4%84+/,7)!676/%T)//46/%K)5;!6/k
6j% 4%84+7;"4!%74%>)Q8;=4%];6+74%/)36%H)//46%7,<)!)+")%74%S4E674!%74%K)5;!4q
31
2j% 4/%)EH!)5674/X%6//6=6!,674/%)%!)H!)/)+"6+")/%=)56,/%7)%)EH!)/6/%/)5;!676/%];6+74%64%
/)!>,-4X%;",=,`6+74%4%>)Q8;=4%/)5;!4q
8j% 4/%48;H6+")/%74%L)Q8;=4%K)5;!4%)E%86/4%7)%/,+,/"!4%484!!,74%84E%4%E)/E4#%gD4%/)%)+84+"!6E%
62!6+5,74/%H)=6/%56!6+",6/%7)/")%/)5;!4%4/%48;H6+")/%"!6+/H4!"674/%)E%6;"4^/"4H#
BG| \^D(CGa\bD%'%6%>,6";!6%,+7,8676%+6/%:4+7,-.)/%T6!",8;=6!)/X%+D4%7)/",+676%
)A8=;/,>6E)+")%64%"!6+/H4!")%7)%E)!8674!,6/%4;%/)!>,-4/%Hf2=,84/X%7)/7)%];)%/)%"!6")%
7)%>)Q8;=4/%6;"4EB>),/%=,5),!4/%7)%H6//65),!4/%4;%E,/"4/%7)%H)/4%2!;"4%+D4%/;H)!,4!%6%
9#OJJ~5/#
C)_)CFbD%'%];6=];)!%)>)+"4X%68,7)+")%4;%74)+-6%,EH!)>,/Q>),/%];)%,EH)-6E%4%
H!4//)5;,E)+"4%+4!E6=%7)%];6=];)!%>,65)EX%68",>6+74%6=5;E6%76/%a6!6+",6/%H!)>,/"6/%+)/"6%
:4+7,-D4%@/H)8,6=#
MBMb)M%'%<6=W6%4;%76+4%E)8l+,84X%)=M"!,84%4;%)=)"!B+,84X%484!!,74%7)%<4!E6%<4!";,"6%)%
,EH!)>,/Q>)=X%];)%,EH)-6%4%>)Q8;=4%7)%8,!8;=6!%H)=4/%/);/%H!BH!,4/%E),4/#%
`bM_l\)M%'%>6=4!%*A4%];)%*86%6%86!54%76%T)//46%K)5;!6X%)E%86/4%7)%/,+,/"!4X%6%H6!",!%74%
];6=%M%H4//Q>)=%68,4+6!%6/%56!6+",6/%7)%6//,/"V+8,6%H!)>,/"6/%+)/"6%:4+7,-D4%@/H)8,6=#%
D`) )_M(M+Gl\M+M%'%4*8,+6%84E%84+7,-.)/%"M8+,86/%H6!6%)<)8";6!%6%!)H6!6-D4%)%];)%
56!6+")%6%];6=,767)%+6%,+")!>)+-D4%+)8)//Z!,6#%
CGbB)}D(+G(MCC)CFs_ )M%'%M%H!)/"674%H)=6%GgS@R%T RSg@R% KKGKS g:@X%K X%
E)7,6+")%T!4"484=4%8)=)2!674%84E%4%K)5;!674!X%/;2/",";,+74^/)%6%)/")%+6/%42!,56-.)/%
7)84!!)+")/%76%H!)/)+")%:4+7,-D4%@/H)8,6=#
ARTIGO 2.º
ÂMBITO TERRITORIAL
D(2,6%7'($,=(;!&/8!8,(,=(?'7$%6!&3(.!(G%7'"!(,(.'2("!#2,2(;/f/.H'2(8'(
V,8/$,77<.,'3("!7!(!2(6!7!.$/!2(8,(!22/2$Y.9/!(!'(;,#9%&'3(,(,=($'8'('(V%.8'(
"!7!(!(!22/2$Y.9/!(e2(",22'!23(/./9/!.8'K2,(!(7,2"'.2!4/&/8!8,(8'(C,6%7!8'7(!(
"!7$/7(8!(7,2/8Y.9/!(8'(F'=!8'7(8'(C,6%7'J
ARTIGO 3.º
VALIDADE
M(?,22'!(C,6%7!3("!7!("'8,7(4,.,-9/!7(8!2(6!7!.$/!23($,=(W%,($,7('(2,%(8'=/9#&/'(
,(7,2/8Y.9/!(H!4/$%!&(,=(?'7$%6!&(,('($,="'(8,(",7=!.Y.9/!(:'7!(8'("!#2(.@'(
"'8,(,>9,8,7(iS(8/!2("'7(;/!6,=('%(8,2&'9!0@'J
ARTIGO 4.º
GARANTIAS DE ASSISTÊNCIA ÀS PESSOAS
M2(a!7!.$/!2(8,(M22/2$Y.9/!(e2(?,22'!23(=,2='(W%,(;/!5!.8'(2,"!7!8!=,.$,(,(
,=(W%!&W%,7(=,/'(8,($7!.2"'7$,3(2@'(!2(2,6%/.$,23("'7(8,2&'9!0@'3(9'=('2(&/=/$,2(
8,(/.8,=./f!0@'("7,;/2$'2(.'(M7$JN(IIN(8,2$!( '.8/0@'(G2",9/!&U
IJ( M22/2$Y.9/!(C!./$[7/!(.'(G2$7!.6,/7'
(
_'2(9!2'2(8,(!9/8,.$,('%(8',.0!(8!(?,22'!(C,6%7!(.'(,2$7!.6,/7'3('(
C,6%7!8'73(!$7!;A2(8'(C,7;/0'(8,(M22/2$Y.9/!3(6!7!.$,('("!6!=,.$'U
*( +,2",2!2(,(H'.'7[7/'2(=A8/9'2(,(9/7c76/9'23(
— Gastos hospitalares
*( a!2$'2("7'8%$'2(:!7=!9Y%$/9'2("7,297/$'2(",&'(=A8/9'J
(
D(C,6%7!8'73(!$7!;A2(8'(C,7;/0'(8,(M22/2$Y.9/!3($'=!7[(!2("7';/8Y.9/!2(
.,9,22[7/!2(e(&'9!&/f!0@'(8'(=A8/9'(!22/2$,.$,3(!'(/.67,22'(8'(2/./2$7!8'(
.'( ,.$7'(p'2"/$!&!7(W%,(8/2"'.H!(8'2(=,/'2(.,9,22[7/'2(e("7,2$!0@'(8!(
!22/2$Y.9/!(,3(8,28,(W%,(.,9,22[7/'3(e(&'9!&/f!0@'(,(,.;/'(8,(=,8/9!=,.$'2(
/.,>/2$,.$,2(.'(&'9!&J
(
G=(9!2'(8,(/.$,7;,.0@'(9/7c76/9!3(!",.!2(2,7[(8!(7,2"'.2!4/&/8!8,(8'(
C,6%7!8'73(!(,>,9%0@'(.'(,2$7!.6,/7'(2,(!(=,2=!(7,;,2$/7(9!7[$,7(8,(%76Y.9/!(
,(2,(/.!8/[;,&3(.@'(2,("'8,.8'(!6%!78!7(",&'(7,67,22'(!(?'7$%6!&J
32
PJ( F7!.2"'7$,('%(b,"!$7/!=,.$'(C!./$[7/'(8,(`,7/8'2(,R'%(+',.$,2
G=(9!2'(8,(!9/8,.$,('%(8',.0!3(W%,(!:,9$,(!2(?,22'!2(2,6%7!23('(C,6%7!8'73(
!$7!;A2(8'(C,7;/0'(8,(M22/2$Y.9/!3(6!7!.$,U
!X( D("!6!=,.$'(8!2(8,2",2!2(8,($7!.2"'7$,3(,=(!=4%&<.9/!3(!$A(e(9&#./9!('%(
H'2"/$!&(=!/2("7L>/='(!8,W%!8'3('%("!7!('(8'=/9#&/'(H!4/$%!&Z
4X( D(9'.$7'&'(8!(2/$%!0@'(9&#./9!(8!2(?,22'!2(C,6%7!23(!$7!;A2(8!(2%!(,W%/"!(
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tempo oportuno.
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'%$7!2(!(9'.$/.%!0@'(8!(;/!6,=3('%('(7,67,22'(",&'(=,/'(8,($7!.2"'7$,(
/./9/!&=,.$,(%$/&/f!8'('%("7,;/2$'3('(C,6%7!8'73(!$7!;A2(8'(C,7;/0'(8,(
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7,:,7/8!2(.!2(!&#.,!2(!X(,(4X(8,2$!(6!7!.$/!3('%Z
d) o local da inumação.
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:!=#&/!2("!7!('2(!9'="!.H!73('(C,6%7!8'73(!$7!;A2(8'(C,7;/0'(8,(M22/2$Y.9/!3(
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!$A(!'(&'9!&(8'(2,%(8'=/9#&/'3('%(!'.8,(,2$/;,7(H'2"/$!&/f!8!(!(?,22'!(C,6%7!(
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despesas com o transporte que entenda ser o mais adequado à situação
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ou de recuperar o seu veículo.
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33
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sucedâneos.
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seu envio.
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tal quantia.
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Especial.
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34
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da necessidade, adiantar-lhe uma importância, a título de adiantamento,
=,8/!.$,(!22/.!$%7!(8,(8'9%=,.$'(8,(7,9'.H,9/=,.$'(8!(8#;/8!(,(6!7!.$,(
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$7!.2:,7Y.9/!(4!.9[7/!J
ARTIGO 5.º
GARANTIAS DE ASSISTÊNCIA AO VEÍCULO E SEUS OCUPANTES
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Condição Especial.
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'2(9%2$'2(8,(8,2&'9!0@'(,(=@'K8,K'47!(8,(%=(",7/$'(=,9<./9'("!7!(,:,$%!7(!(
7,"!7!0@'(8,(,=,76Y.9/!(.'(&'9!&(8!('9'77Y.9/!(8,(='8'(!(",7=/$/7(!'(;,#9%&'(
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!(9!76'(8!(?,22'!(C,6%7!J
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a) Em caso de acidente ou avaria
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,=,76Y.9/!(.'(&'9!&3('(C,6%7!8'73(!$7!;A2(8'(C,7;/0'(8,(M22/2$Y.9/!3(
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Quando a viatura tiver sido localizada, pelas autoridades policiais, e
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7,,=4'&2!7[('(F'=!8'7(8'(C,6%7'(",&!2(8,2",2!2(W%,(;,.H!(!(2%"'7$!7(
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anterior.
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!9/8,.$,('%(7'%4'(8'(=,2='3(,(2,3(7,&!$/;!=,.$,(e2(8%!2("7/=,/7!2(2/$%!01,23(
a reparação não puder ser efetuada no mesmo dia e demorar mais de duas
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7,"!7!0@'('%("7'9%7!(8!(;/!$%7!(!$A(!'(&/=/$,(->!8'(.,2$!( '.8/0@'(G2",9/!&J(
18.(F7!.2"'7$,('%(b,"!$7/!=,.$'(8!2(?,22'!2(C,6%7!2("'7()=",8/=,.$'(8'(
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V'$/;'(8,()=",8/=,.$'(8'(B,#9%&'(C,6%7'X3('(;,#9%&'(2,6%7'(.@'("%8,7(2,7(
7,"!7!8'('%(,.9'.$7!8'(,=(Oj(H'7!23(2,6%/.$,2(e(!;!7/!3(!9/8,.$,3('%(.'(9!2'(
8,(7'%4'3(e("!7$/9/"!0@'(e2(!%$'7/8!8,2("'&/9/!/23(,(2,(!(7,"!7!0@'(8,='7!7(
=!/2(8,(i(H'7!2(8,($7!4!&H'3('(C,6%7!8'73(!$7!;A2(8'(C,7;/0'(8,(M22/2$Y.9/!3(
suportará as despesas relativas ao repatriamento ou transporte das Pessoas
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8,28,(W%,('(9%2$'(8,2$!(;/!6,=(.@'(2,5!(2%",7/'7(e(8'(7,"!$7/!=,.$'J
O referido repatriamento ou transporte será efetuado pelo meio que o
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35
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Perante os mesmos impedimentos referidos na Garantia 18 (Transporte ou
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22. Envio de Motorista
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8,(7,,=4'&2'J(
36
ARTIGO 6.º
OBJETO E RISCOS GARANTIDOS
IJ( G=(=!$A7/!(8,(%$/&/f!0@'(8'(C,7;/0'(8,(M22/2$Y.9/!(,(8,(7,,=4'&2'(8,(8,2",2!2(
2,7[('42,7;!8'('(2,6%/.$,U
!X( ,=(9!2'(8,(2/./2$7'3(!(!$7/4%/0@'(8,(%=(.c=,7'(8,($,&,:'.,(7,:,7/8'(.!2(
'.8/01,2(?!7$/9%&!7,2("!7!(7,9,"0@'(8!2(2'&/9/$!01,2(8!(?,22'!(C,6%7!3(
8,;,.8'(/.8/9!7U('(.'=,(8'(F'=!8'73('(.c=,7'(8!(M"L&/9,(,(!(=!$7#9%&!(8'(
;,#9%&'3('(.'=,(8!(?,22'!(C,6%7!3('(&'9!&('.8,(2,(,.9'.$7!3('(.c=,7'(8'(
$,&,:'.,(,(!(.!$%7,f!(8!(!22/2$Y.9/!(W%,(.,9,22/$!Z
4X( 2,=("7,5%#f'(.'(8/2"'2$'(.!(!&#.,!(.X(8'(M7$NTN3(2,="7,(W%,(.@'(2,5!(
"'22#;,&(%=!(!22/2$Y.9/!(8/7,$!3(!(?,22'!(C,6%7!(2,7[(7,,=4'&2!8!3(.'(2,%(
7,67,22'(!(?'7$%6!&3(8'2(6!2$'2(,=(W%,(/.9'77!(,(W%,(,2$,5!=(6!7!.$/8'23(
=,8/!.$,(!(!"7,2,.$!0@'(8'2(7,2",$/;'2(8'9%=,.$'2(5%2$/-9!$/;'2Z
(
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pelos atrasos e incumprimentos devidos a causas de força maior.
Entende-se por motivos de força maior todos os acontecimentos
7,&!9/'.!8'2(!(:!$'2(,>$,7.'23(/.8,",.8,.$,2(8!(;'.$!8,(H%=!.!3(W%,(
/=",8,=('(9%="7/=,.$'(8!2('47/6!01,2(]$,=",2$!8,23(/.%.8!01,23(
$,77!='$'23(7,;'&%01,23(67,;,23($%=%&$'23(8/2$c74/'2(8!('78,=("c4&/9!X3(
'%(!(9'.8/9/'.!&/2='2(!8=/./2$7!$/;'2('%("'&#$/9'2(8,(8,$,7=/.!8'("!#2Z(
,=($'8'('(9!2'3(2,("'7($!/2(7!f1,2(.@'(:'7("'22#;,&(%=!(!22/2$Y.9/!(
8/7,$!3(!(?,22'!(C,6%7!(2,7[(7,,=4'&2!8!(.'(2,%(7,67,22'(!(?'7$%6!&3(
ou, em caso de necessidade, tratando-se de um país em que não se
;,7/-W%,=(!2(!.$,7/'7,2(9/79%.2$<.9/!23(8'2(6!2$'2(,=(W%,(/.9'77!(
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8'9%=,.$'2(5%2$/-9!$/;'2Z
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C,6%7!(,(!(,W%/"!(=A8/9!(8'(C,7;/0'(8,(M22/2$Y.9/!Z
8X( 2,(!(?,22'!(C,6%7!($/;,7(8/7,/$'(!(7,,=4'&2'3(.'($'8'('%(,=("!7$,3(
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,X( !2(/.8,=./f!01,2(->!8!2(.,2$!2(a!7!.$/!2(2@'(9'="&,=,.$'(8,('%$7'2(
9'.$7!$'2(8,(2,6%7'(!.$,7/'7=,.$,(9,&,47!8'2(,(9'47/.8'('2(=,2='2(
7/29'23('%(8!(C,6%7!.0!(C'9/!&3('%(8,('%$7'(W%!&W%,7(7,6/=,(8,("7,;,.0@'(
!(W%,(!(?,22'!(C,6%7!($,.H!(8/7,/$'J
ARTIGO 7.º
EXCLUSÕES
`/9!=(,>9&%#8!2(8,($'8!2(!2(a!7!.$/!2(8!(M22/2$Y.9/!(,=(B/!6,=U
!X( !2(6!7!.$/!2(,("7,2$!01,2(W%,(.@'($,.H!=(2/8'(2'&/9/$!8!2(!'(C,6%7!8'73(
!$7!;A2(8'(C,7;/0'(8,(M22/2$Y.9/!3('%(,:,$%!8!2(2,=('(2,%("7A;/'(!9'78'3(!(
=,.'2(W%,($!&($,.H!(2/8'(8,-./8'(.'(='=,.$'(8!(9,&,47!0@'(8'(9'.$7!$'J
4X( !2(8',.0!2('%(,2$!8'2("!$'&L6/9'2("7';'9!8'2("'7(/.6,2$@'(;'&%.$[7/!(8,(
.!79L$/9'23("7'8%$'2($L>/9'23(87'6!23([&9''&3('%(%$/&/f!0@'(8,(=,8/9!=,.$'2(
2,=("7,297/0@'(=A8/9!Z
9X( !2("7L$,2,2(8,(W%!&W%,7($/"'Z(
8X( !2(8',.0!2(=,.$!/2Z
,X( 8,2",2!2(9'=("7L$,2,23(L9%&'23(&,.$,2(8,(9'.$!$'3(4,.6!&!2(,(2/=/&!7,2Z
:X( !2(9'.2,W%Y.9/!2(8!("7[$/9!(8,(8,2"'7$'2(8,(9'=",$/0@'(,(8'(2!&;!=,.$'(8,(
",22'!2(.'(=!73(='.$!.H!('%(8,2,7$'Z
37
6X( !2(8,2",2!2(=A8/9!23(:!7=!9Y%$/9!2('%(9%7!$/;!2(8,(9%2$'(/.:,7/'7(!(T3SSuZ
HX( !2(8,2",2!2(7,&!$/;!2(!(!22/2$Y.9/!(2!./$[7/!(,=(?'7$%6!&Z
/X( !2(8',.0!2('%(&,21,2(9'.2,W%,.$,2(8,(8',.0!(97L./9!('%("7A;/!3(,(8'(
9'.H,9/=,.$'(8'(F'=!8'73(7,&!$/;!=,.$,(!'(/.#9/'(8!(;/!6,=Z
5X( !2(9%7!2($,7=!/23(67!;/8,f(!("!7$/7(8'(2,>$'(=Y23(,("!7$'3(,>9,$'(!2(
,>"7,22!=,.$,("7,;/2$!2(.,2$!( '.8/0@'(G2",9/!&Z
k) a morte, doença ou lesões resultantes de suicídio ou da sua tentativa, ou,
direta ou indiretamente, de ações criminais ou de atos dolosos da Pessoa
C,6%7!Z
&X( !2(8,2",2!2(9'=(,.$,77'2('%(9,7/=L./!2(:c.,47,2Z
=X(!2(8,2",2!2(8,(H'$,&(,(7,2$!%7!.$,3(,>9,$'(!2(,>"7,22!=,.$,("7,;/2$!2(
.,2$!( '.8/0@'(G2",9/!&3($[>/23(9'=4%2$#;,&3(7,"!7!01,2(8'(;,#9%&'(2,6%7'3(
!9,22L7/'2(.,&,(/.9'7"'7!8'23(4!6!6,.23(,W%/"!=,.$'(,(=!$,7/!&(8/;,72'(,(
'45,$'2(",22'!/2Z
.X( !2(7,2"'.2!4/&/8!8,2(8'(C,6%7!8'7(,R'%(C,7;/0'(8,(M22/2$Y.9/!(",&'2("7,5%#f'2(
causados pelo fato de, por motivos de força maior, não se ter podido efetuar
!&6%=!2(8!2("7,2$!01,2("7,;/2$!2(.,2$!( '.8/0@'(G2",9/!&3(!(=,.'2(W%,($!&(
$,.H!(2/8'(8,-./8'(.'(='=,.$'(8!(9,&,47!0@'(8'(9'.$7!$'J
Entende-se por motivos de força maior todos os acontecimentos relacionados
!(:!$'2(,>$,7.'23(/.8,",.8,.$,2(8!(;'.$!8,(H%=!.!3(W%,(/=",8,=('(
9%="7/=,.$'(8!2('47/6!01,2(]$,=",2$!8,23(/.%.8!01,23($,77!='$'23(
7,;'&%01,23(67,;,23($%=%&$'23(8/2$c74/'2(8!('78,=("c4&/9!XZ
o) acidentes ou avarias ocorridos durante a prática de competições desportivas,
W%,7('-9/!/2(W%,7("7/;!8!23(4,=(9'='(8%7!.$,('2(7,2",$/;'2($7,/.'2('%(,=(
9'.2,W%Y.9/!(8,(!"'2$!2Z
"X( 9!2'(!(?,22'!(C,6%7!(.@'(!9,/$,(7,"!7!7('(;,#9%&'(.%=!(8!2('-9/.!2(2%6,7/8!2(
",&'(C,6%7!8'73(!$7!;A2(8'(C,7;/0'(8,(M22/2$Y.9/!3(,2$,(.@'(2,7[(7,2"'.2[;,&(
",&!(/.2%-9/Y.9/!(8,(=,/'2($A9./9'2(,(H%=!.'2(8!('-9/.!(7,"!7!8'7!3(!22/=(
9'='(8,(8/2"'./4/&/8!8,(8,($,="'(8,2$!("!7!(,:,$%!7(!(7,"!7!0@'Z
ARTIGO 8.º
COMPLEMENTARIDADE
/%H!)/"6-.)/%)%,+7)E+,`6-.)/%H!)>,/"6/%/)!D4%H656/X%)E%)A8)//4%)%84EH=)E)+"6!E)+")%
6%4;"!4/%84+"!6"4/%3Z%)A,/")+")/X%842!,+74%4/%E)/E4/%!,/84/#% %T)//46%K)5;!6%42!,56^/)%
6%H!4E4>)!%"476/%6/%7,=,5V+8,6/%+)8)//Z!,6/%[%42")+-D4%76];)=6/%H!)/"6-.)/%)%6%
7)>4=>V^=6/%64%K)5;!674!%+4%86/4%)%+6%E)7,76%)E%];)%)/")%6/%W4;>)!%67,6+"674%)%76/%
84EH6!",8,H6-.)/%76%K)5;!6+-6%K48,6=%4;%7)%];6=];)!%4;"!6%,+/",";,-D4%7)%H!)>,7V+8,6%6%
];)%6%T)//46%K)5;!6%",>)!%7,!),"4#%
ARTIGO 9.º
SUB-ROGAÇÃO
K)EH!)%];)%6/%H!)/"6-.)/%/6",/<),"6/X%64%62!,54%7)/")%/)5;!4X%84!!)/H4+7)!)E%6%7,!),"4/%
76%T)//46%K)5;!6%84+"!6%")!8),!4/%!)/H4+/Z>),/X%4%K)5;!674!%*86!Z%/;2^!45674X%6HB/%4%
8;EH!,E)+"4X%+4/%84!!)/H4+7)+")/%7,!),"4/X%6-.)/%)%!)8;!/4/%84+"!6%4/%8,"674/%")!8),!4/X%
/6=>4%/)%)/")/%<4!)E%"6E2ME%T)//46/%K)5;!6/#
ARTIGO 10.º
REMISSÃO
H=,86E^/)%6%)/"6%842)!";!6%<68;="6",>6%"476/%6/%!)5!6/%84+"!6";6,/%H!)>,/"6/%+6/%
:4+7,-.)/%a)!6,/%)%T6!",8;=6!)/%76% HB=,8)%];)%+D4%84=,76E%84E%4%7,/H4/"4%+)/"6%
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38
ARTIGO 11.º
Limites de indemnização
GARANTIAS DE ASSISTÊNCIA ÀS PESSOAS SEGURAS
aMbM_F)MC
Limite
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% % %U,E,")%EZA,E4%H4!%H)//46%/)5;!6%)%>,65)E%
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GARANTIAS DE ASSISTÊNCIA AO VEÍCULO E SEUS OCUPANTES
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COBERTURA FACULTATIVA DE PROTEÇÃO JURÍDICA
ARTIGO PRELIMINAR
&#%
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7)%T!4")8-D4%p;!Q7,86%/;2/8!,"6%H)=4%S4E674!%7)%;E%84+"!6"4%7)%/)5;!4% ;"4EB>)=%74%
K)5;!674!X%74%];6=%84+/",";)E%;E%86HQ";=4%7,/",+"4X%<6`)+74%H6!")%7)//)%84+"!6"4%/)EH!)%
];)%84+/")%76/%:4+7,-.)/%T6!",8;=6!)/#
0#% 1%K)5;!674!%)/"Z%6;"4!,`674X%E)7,6+")%84+>)+-D4%8)=)2!676%84E%GgS@R%T RSg@R%
KKGKS g:@X%K# #%K;8;!/6=%iT1RSea UjX%6%)E,",!%"474/%4/%748;E)+"4/%];)%",";=6E%
6%H!)/)+")%842)!";!6%];)%/)%)+];67!6%+4%R6E4%mT!4")-D4%p;!Q7,86n%)%6%!)8)2)!%4/%
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)+86!54%7)%5)!,!%)%!)5;=6!,`6!%"474/%4/%=,"Q5,4/%56!6+",74/%H4!%)/"6%842)!";!6#%T4!%<4!E6%
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0&%9&J%0N%OJ%i"474/%4/%7,6/X%76/%JJWJJ%[/%0NWJJj#
ARTIGO 1.º
DEFINIÇÕES
T@KK1 %K@aeR %'%84+/,7)!6^/)%T)//46%K)5;!6k
6j% 4%S4E674!%74%/)5;!4%4;%K)5;!674X%84E4%H!4H!,)"Z!,4%4;%84+7;"4!%74%>)Q8;=4%/)5;!4q
2j% 4%84+7;"4!%74%>)Q8;=4%/)5;!4X%=)56=E)+")%W62,=,"674%H6!6%4%84+7;`,!%)%7)>,76E)+")%
6;"4!,`674%H)=4%/);%H!4H!,)"Z!,4q
8j% 4/%48;H6+")/X%7)/7)%];)%/)36E%4%8y+3;5)X%*=W4/%)%4/%H6,/%4;%/45!4/X%>,>)+74%)E%!)5,E)%
7)%84E;+WD4%7)%E)/6%)%W62,"6-D4%84E%4%S4E674!%74%/)5;!4%4;%K)5;!674q
7j% +4%86/4%7)%4%S4E674!%74%/)5;!4%4;%K)5;!674%/)!%;E6%T)//46%:4=)",>6X%)/"D4%,5;6=E)+")%
/)5;!4/%4/%/B8,4/%)%67E,+,/"!674!)/%7)>,76E)+")%,7)+",*8674/%+6/%:4+7,-.)/%T6!",8;=6!)/%
76% HB=,8)X%6//,E%84E4%4/%<6E,=,6!)/%!)<)!,74/%+4%H6!Z5!6<4%6+")!,4!#
Y@g@PG:G‚RG1%'%6%H)//46%/,+5;=6!%4;%84=)",>6%];)X%H4!%H!M>,6%8)//D4%74%S4E674!%74%
/)5;!4%4;%K)5;!674X%*5;!)%+6% HB=,8)%84E4%",";=6!%74%7,!),"4%[%,+7)E+,`6-D4#
L@x:eU1%K@aeR1%'%6%>,6";!6%56!6+",76%H)=6% HB=,8)%7)%K)5;!4% ;"4EB>)=%];6+74%+D4%
7)/",+676%6%/)!>,-4/%Hf2=,84/X%62!6+5)+74%6%86")54!,6%7)%>)Q8;=4/%6;"4EB>),/%=,5),!4/%7)%
H6//65),!4/%4;%E,/"4/#
UGSxaG1%'%7,>)!5V+8,6%4;%/,";6-D4%84+ƒ,";6=%)E%];)%6%T)//46%K)5;!6%<6`%>6=)!%;E%7,!),"4%
/);X%84+")/"6%;E6%H!)")+/D4%7)%4;"!)E%4;%/)%7)<)+7)%)E%S!,2;+6=#
(@KT@K K%U@a GK%'%7)/H)/6/%/;H4!"676/%H)=4%K)5;!674!X%)E%84+<4!E,767)%84E%6/%
56!6+",6/%/)5;!6/X%H6!6%=)>6!%6%8624%6%7)<)/6%76/%T)//46/%K)5;!6/X%7)/,5+676E)+")%84Ek
6j% 56/"4/%84E%6%6>)!,5;6-D4X%,+/"!;-D4%)%!)5;=6!,`6-D4%74%/,+,/"!4X%];)%4%K)5;!674!%
84+/,7)!)%+)8)//Z!,6/q
2j% W4+4!Z!,4/%74%E6+76"Z!,4X%67>45674%)_4;%/4=,8,"674!%76%T)//46%K)5;!6q
40
8j% 8;/"6/%)_4;%H!)H6!4/%6%86!54%76%T)//46%K)5;!6%H4!%7)8,/D4%74%S!,2;+6=%84EH)")+")%)E%
!)=6-D4%6%];6=];)!%H!48)7,E)+"4%=)56=%64%62!,54%7)/"6%:4+7,-D4%@/H)8,6=#
1/%=,E,")/%7)%,+7)E+,`6-D4%H!)>,/"4/%H6!6%6/%()/H)/6/%U)56,/%)+84+"!6E^/)%H!)>,/"4/%+4%
!",54%&J$%76%H!)/)+")%:42)!";!6#
1%!)8;!/4%[%>,6%3;7,8,6=%6H)+6/%/)%)+84+"!6%H!)>,/"4%];6+74%4%>6=4!%74/%76+4/%/)36%/;H)!,4!%[%
R)"!,2;,-D4%o)+/6=%oQ+,E6%a6!6+",76
ARTIGO 2.º
OBJETO DO SEGURO
&#% T)=6%H!)/)+")%:4+7,-D4%@/H)8,6=X%4%K)5;!674!%56!6+")%64%S4E674!%74%/)5;!4%4;%
K)5;!674%6%842)!";!6%7)%T!4")-D4%p;!Q7,86%74/%/);/%,+")!)//)/%!)=68,4+674/%84E%6%
8,!8;=6-D4%74%>)Q8;=4%/)5;!4#
0#% 1%H!)/)+")%84+"!6"4%56!6+")X%+4/%")!E4/%)%=,E,")/%)/"62)=)8,74/%+6/%!)/H)8",>6/%842)!";!6/%
)%:4+7,-.)/%T6!",8;=6!)/X%6/%7)/H)/6/%)%4/%H!48)7,E)+"4/%+)8)//Z!,4/%[%6//,/"V+8,6%3;!Q7,86%
")+7)+")/%6%7)<)+7)!%4;%<6`)!%>6=)!%4/%7,!),"4/%76/%T)//46/%K)5;!6/X%+4E)676E)+")%)Ek
6j% H!48)//4/%3;7,8,6,/X%H)+6,/%,+")+"674/%84+"!6%6/%T)//46/%K)5;!6/q
2j% H!48)//4/%3;7,8,6,/X%8,>,/%];)%6/%T)//46/%K)5;!6/%,+")+")E%84+"!6%")!8),!4/%)%
!)=6",>6E)+")%64/%];6,/%4%K)5;!674!%!)84+W)-6%>,62,=,767)%)%H4//,2,=,767)%7)%VA,"4#
9#% g4%86/4%7)%6%T)//46%K)5;!6%4H"6!%H)=6%)/84=W6%74% 7>45674%4;%K4=,8,"674!X%4%K)5;!674!%
6H)+6/%/;H4!"6!Z%4/%)+86!54/%H4!%)/")/%6H!)/)+"674/X%/)%4/%/);/%74E,8Q=,4/%H!4*//,4+6,/%
/)%/,";6!)E%+6%:4E6!86%84EH)")+")%H6!6%6%6-D4%6%H6"!48,+6!#%K)%6%T)//46%K)5;!6%4H"6!%
H4!% 7>45674%4;%K4=,8,"674!%74E,8,=,674/%<4!6%76%:4E6!86%84EH)")+")X%*86E%6%/);%86!54%
6/%!)/H)",>6/%7)/H)/6/%7)%7)/=486-D4%)%6=436E)+"4#
ARTIGO 3.º
ÂMBITO DO SEGURO
1. Defesa em processo penal
D(C,6%7!8'7(6!7!.$,(e(?,22'!(C,6%7!3(,=(9!2'(8,(!9/8,.$,(8,(;/!0@'(.'(
W%!&($,.H!("!7$/9/"!8'('(;,#9%&'(2,6%7'3('("!6!=,.$'(8!2(8,2",2!2(5%8/9/!/2(
relacionadas com a sua defesa pessoal em processo de natureza penal que lhe
2,5!(=';/8'("'7($,79,/7'2(,=(9'.2,W%Y.9/!(8,22,(!9/8,.$,J
PJ( b,9&!=!0@'("'7(8!.'2(8,9'77,.$,2(8,(&,21,2(9'7"'7!/2
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D(C,6%7!8'7(6!7!.$,(e(?,22'!(C,6%7!(!(7,9&!=!0@'(!=/6[;,&(,(5%8/9/!&3(!(
terceiros responsáveis das indemnizações devidas, decorrentes de ferimentos ou
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"!7!(&,;!7(!(9!4'(!(7,9&!=!0@'J
dJ( b,9&!=!0@'(8,(8!.'2(=!$,7/!/2
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D(C,6%7!8'7(6!7!.$,(e(?,22'!(C,6%7!(!(7,9&!=!0@'(!=/6[;,&(,(5%8/9/!&3(!(
$,79,/7'2(7,2"'.2[;,/2(8!2(/.8,=./f!01,2(W%,(&H,(2,5!=(8,;/8!23(",&'2(8!.'23(
,("7,5%#f'2(=!$,7/!/2(W%,(&H,(2,5!=(9!%2!8'2(9'='(9'.2,W%Y.9/!(8/7,$!(8,(
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!&H,/'2(e(9/79%&!0@'3(W%,(.@'($,.H!=('7/6,=(9'.$7!$%!&Z
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,.9'.$7!7(2'4(9%2$L8/!('%(8,"L2/$'(8,($,79,/7'2Z
9X( !(7,9&!=!0@'(!=/6[;,&(,(5%8/9/!&3(!'($,79,/7'(7,2"'.2[;,&(8'2(8!.'2(
9!%2!8'2(!'(;,#9%&'(2,6%7'(8%7!.$,('(2,%($7!.2"'7$,("'7($,79,/7'2(9'=(
caráter contratual.
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D(C,6%7!8'7(6!7!.$,(e(?,22'!(C,6%7!(!(!22/2$Y.9/!(.!(7,9&!=!0@'(!=/6[;,&(,R
'%(5%8/9/!&(8,(W%,(9!7,9,7("!7!3(,=(9'.2,W%Y.9/!(8,(%=(!9/8,.$,(8,(;/!0@'3(
41
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$/$%&!7(7,2",/$!.$,2(!'(;,#9%&'(6!7!.$/8'("'7(,2$!(M"L&/9,J
hJ( M8/!.$!=,.$'2
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,(!$A(!'2(&/=/$,2(,2$!4,&,9/8'2(.,2$,(9'.$7!$'3('2(2,6%/.$,2(!8/!.$!=,.$'2U
hJIJ( !%01,2
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+!2(9!%01,2(W%,3(.!(9!%2!(",.!&3(2,5!=(,>/6/8!2("!7!(6!7!.$/7U
*( !(2%!(&/4,78!8,("7';/2L7/!Z
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D("!6!=,.$'(8,(W%!&W%,7(9!%0@'(2,7[(:,/$!(2'4(!(:'7=!(8,(,="7A2$/='3(
-9!.8'('(2,%(7,2"'.2[;,&(8,(7,,=4'&2!7('(C,6%7!8'7(8'(='.$!.$,(8!(
=,2=!3(.'("7!f'(8,(i(=,2,2(!(9'.$!7(8!(8!$!(8!(7,2",$/;!(9'.2$/$%/0@'J(
M('47/6!0@'(8,(7,,=4'&2'(2,7[($/$%&!8!(,=(+,9&!7!0@'(8,(+#;/8!(!22/.!8!(
pelo referido responsável.
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hJPJ().8,=./f!01,2
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",&!(?,22'!(C,6%7!3('(C,6%7!8'7(!8/!.$!7[(!'(=,2='(!(/="'7$<.9/!(
correspondente.
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",&'(F'=!8'7(8'(2,6%7'('%(C,6%7!8'3(,=(9!2'(8,(7,"!7!0@'(8,-9/,.$,(8'(
;,#9%&'(2,6%7'3(9'.2,W%,.$,(8,(!9/8,.$,('%(!;!7/!(8,28,(W%,U
*( '(!9/8,.$,('%(!;!7/!('9'77!=(,=(?'7$%6!&Z
*( '(;!&'7(8!(7,"!7!0@'($,.H!(2/8'(2%",7/'7(!(IJdSS3SSuZ
*( !(7,"!7!0@'($,.H!(2/8'(,:,$%!8!(,=(?'7$%6!&(.%=!('-9/.!(!%$'7/f!8!Z
*( '(F'=!8'7(8'(2,6%7'('%(C,6%7!8'(2'&/9/$,(!(2%!(7,9&!=!0@'(.'("7!f'(8,(d(
]$7Y2X(=,2,23(!"L2(!(8!$!(8!(7,"!7!0@'Z
*( '(F'=!8'7(8'(2,6%7'('%(C,6%7!8'(!"7,2,.$,("7';!(8'.8,(2,(9'.9&%!(W%,3(
,:,$/;!=,.$,3(,>/2$/%(%=!(7,"!7!0@'(8,:,/$%'2!J
ARTIGO 4.º
ÂMBITO TERRITORIAL
G2$,(2,6%7'(!",.!2(A(;[&/8'("!7!('2(,;,.$'2('9'77/8'2(.'(,2"!0'($,77/$'7/!&(
,2$!4,&,9/8'("!7!('(C,6%7'(D47/6!$L7/'(8,(b,2"'.2!4/&/8!8,( /;/&(M%$'=L;,&3(
2!&;'(2,('%$7'(:'7(,>"7,22!=,.$,(8,-./8'(.!2( '.8/01,2(?!7$/9%&!7,2J
ARTIGO 5.º
EXCLUSÕES
`/9!=($!=4A=(,>9&%#8'2(8!(6!7!.$/!(8,2$,(2,6%7'U
IJ( M2(!01,2('%(&/$#6/'2(,.$7,(!2(?,22'!2(C,6%7!23(/.9&%/.8'('(F'=!8'7(8'(2,6%7'(
'%(C,6%7!8'J
PJ( M2(!01,2('%(&/$#6/'2(,.$7,(W%!&W%,7(8!2(?,22'!2(C,6%7!2(,('(C,6%7!8'7J
dJ( D2(,;,.$'2('9'77/8'2(W%!.8'('(F'=!8'7(8'(2,6%7'('%(C,6%7!8'(.@'("'22%!(
C,6%7'(D47/6!$L7/'(8,(b,2"'.2!4/&/8!8,( /;/&(M%$'=L;,&(;[&/8'("!7!('(
respetivo veículo.
42
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2'&/9/$!8'7(,(!2(9%2$!2(5%8/9/!/2(7,&!$/;!2(!(!01,2("7'"'2$!2(",&!(?,22'!(C,6%7!(
2,=('("7A;/'(!9'78'(8'(C,6%7!8'73(2,=("7,5%#f'(8'(8/2"'2$'(.'(.JN(P(8'(M7$JN(
jJN(8,2$!( '.8/0@'(G2",9/!&J
hJ( l%!/2W%,7(/="'7$<.9/!2(!(W%,(!(?,22'!(C,6%7!(2,5!(9'.8,.!8!(5%8/9/!&=,.$,(!(
$#$%&'(8,U
!X( ",8/8'(8,($,79,/7'2(.!(!90@'(,(7,2",$/;'2(5%7'2Z
4X( "7'9%7!8'7/!(,(9%2$!2(8'("7'9,22'(e("!7$,(9'.$7[7/!J
iJ( l%!/2W%,7(='.$!.$,2(7,&!$/;'2(!(=%&$!23(9'/=!23(/="'2$'2('%('%$7'2(8,(
.!$%7,f!(-29!&(,(/="'2$'2(8,(5%2$/0!(,=("7'9,22'(97/=,3(2!&;'('2(8,;/8'2(",&'(
assistente em processo penal.
TJ( M(8,:,2!(",.!&('%(9/;/&(8!(?,22'!(C,6%7!(,=,76,.$,(8,(9'.8%$!(/.$,.9/'.!&(8!(
=,2=!3(2!&;'($7!$!.8'K2,(8,(9'.$7!;,.0@'3('%(!90@'(,=(W%,(!(?,22'!(C,6%7!(
2,5!(!9%2!8!(8!("7[$/9!(8,(97/=,(8'&'2!=,.$,("7!$/9!8'J
jJ( M(8,:,2!(8!(?,22'!(C,6%7!(,=(&/$#6/'2(W%,('9'77!=(!"L2('(,;,.$'(,($,.H!=(
"'7(4!2,(8/7,/$'2(9,8/8'23(2%4K7'6!8'2('%(,=,76,.$,2(8,(97A8/$'2(2'&/8[7/'2J
QJ( D2(",8/8'2(8,(!$/;!0@'(8!( '4,7$%7!3(,=(W%,(5[(2,(;,7/-W%,(!(/.$,7;,.0@'(8,(
M8;'6!8'('%(C'&/9/$!8'7
ARTIGO 6.º
DIREITOS DO TOMADOR DO SEGURO
?!7!(!&A=(8'(8/7,/$'(e2(9'4,7$%7!2(,(6!7!.$/!2("7,;/2$!2(.,2$!( '.8/0@'(G2",9/!&3(
!(?,22'!(C,6%7!($,=('(8/7,/$'(!U
IJ( G29'&H,7(&/;7,=,.$,(%=(!8;'6!8'3('%(W%!&W%,7('%$7!(",22'!(9'=(W%!&/-9!01,2(
&,6!&=,.$,(!9,/$,23("!7!('(8,:,.8,73(7,"7,2,.$!7('%(2,7;/7('2(2,%2(/.$,7,22,23(
.'2(2,6%/.$,2(9!2'2U
!X( ,=("7'9,22'(5%8/9/!&Z
4X( ,=(9!2'(8,(9'.k/$'(8,(/.$,7,22,2(9'=('(C,6%7!8'7J
PJ( b,9'77,7(!("7'9,22'(8,(!74/$7!6,=(,=(9!2'(8,(8/:,7,.8'(W%,(7,2%&$,(8,(
8/;,76Y.9/!(8,('"/./1,2(,.$7,(2/(,('(C,6%7!8'73(2,=("7,5%#f'(8,3(!(,>",.2!2(
2%!23("7'22,6%/7(!(!90@'('%(7,9%72'(8,2!9'.2,&H!8'(",&'(C,6%7!8'73(2,.8'(
.'(,.$!.$'(/.8,=./f!8'("'7(,2$,(.!(=,8/8!(,=(W%,(!(8,9/2@'(!74/$7!&('%(!(
sentença lhe vier a ser favorável.
dJ( C,7(,>"7,22!=,.$,(/.:'7=!8'(",&'(C,6%7!8'73(2,="7,(W%,(2%75!(%=(9!2'(8,(
9'.k/$'(8,(/.$,7,22,23(W%,7(8!(,>/2$Y.9/!(8,22,(9'.k/$'3(W%,7(8'2(8/7,/$'2(
7,:,7/8'2(.'2(.J'2(&(,(P(8,2$,(M7$/6'J
N#% 1%84+ƒ,"4%7)%,+")!)//)/%7)84!!)X%+4E)676E)+")X%74%<6"4%7)%4%K)5;!674!%56!6+",!%6%
842)!";!6%7)%T!4")-D4%p;!Q7,86%6%6E26/%6/%H6!")/%)E%=,"Q5,4X%)E%6E26/%6/%H6!")/%)E%
/)5;!4%6;"4EB>)=%)%6H)+6/%;E6%7)=6/%)E%T!4")-D4%p;!Q7,86X%4;%76!%/,E;="6+)6E)+")%
842)!";!6%64%H!BH!,4%S4E674!%74%/)5;!4%84E%;E%/)5;!4%7)%];6=];)!%4;"!4%!6E4#
ARTIGO 7.º
OBRIGAÇÕES DO TOMADOR DO SEGURO
1%S4E674!%74%/)5;!4X%4%K)5;!674%4;%4%H!BH!,4%84+7;"4!%74%>)Q8;=4%7)>)!D4k
6j% 84E;+,86!%64%K)5;!674!X%+4%H!6`4%7)%F%7,6/%6HB/%6%484!!V+8,6%74%/,+,/"!4X%6/%86;/6/X%
8,!8;+/"l+8,6/%)%84+/)];V+8,6/%74%68,7)+")X%+4E)/%74/%/);/%,+")!>)+,)+")/%)%76/%
")/")E;+W6/X%6//,E%84E4%6%,7)+",*86-D4%76%>Q",E6%4;%74%=)/674q
2j% 4%K)5;!674%7)>)%6",>6!%6%842)!";!6%7)%T!4")-D4%p;!Q7,86%6"M%64%H!6`4%EZA,E4%7)%?%E)/)/%
6HB/%4%/,+,/"!4X%/42%H)+6%7)/"6%:42)!";!6%+D4%H!47;`,!%)<),"4/q
8j% 84EH)")%64%K)5;!674%<4!+)8)!%64%K)5;!674!%"474/%4/%)=)E)+"4/%)%"474%4%",H4%7)%,+<4!E6-D4%
];)%H)!E,"6%>)!,*86!%6%)A,/"V+8,6%74%=,",5Q4%)%6;A,=,6!%+6%>)!,*86-D4%74/%/);/%76+4/#
7j% <4!+)8)!%64%K)5;!674!%"474%4%",H4%7)%,+<4!E6-.)/%];)%)E%];6=];)!%E4E)+"4%H4//6%
84+W)8)!X%!)=68,4+676/%84E%4%/,+,/"!4%)X%!)/H),"6+")%6%)/")X%63;76!%+6/%,+>)/",56-.)/q
43
)j% "!6+/E,",!%,E)7,6"6E)+")%64%K)5;!674!%"474/%4/%6>,/4/X%8,"6-.)/X%!)];)!,E)+"4/X%86!"6/X%
,+",E6-.)/%)%)E%5)!6=%"474/%4/%748;E)+"4/%3;7,8,6,/%4;%)A"!63;7,8,6,/%];)X%!)=68,4+674/%
84E%4%/,+,/"!4X%=W)%/)36E%7,!,5,74/q
<j% 84+/;="6!%4%K)5;!674!%/42!)%)>)+";6,/%H!4H4/"6/%7)%"!6+/6-D4%];)%=W)%/)36E%7,!,5,74/%
/42%H)+6%7)X%+D4%4%<6`)+74X%H)!7)!%4/%7,!),"4/%!)=6",>4/%[/%842)!";!6/%7)%T!4")-D4%
p;!Q7,86%56!6+",74/%H4!%)/")%84+"!6"4q
5j% !))E24=/6!%4%K)5;!674!X%7)+"!4%74/%H!6`4/%)/"62)=)8,74/%+)/")%84+"!6"4X%7)%"474%)%
];6=];)!%67,6+"6E)+"4%84+8)7,74%64%62!,54%76/%56!6+",6/%76% HB=,8)#%@/")%!))E24=/4%
7)>)!Z%/)!%,E)7,6"4%/)%6%T)//46%K)5;!6%+D4%H!48)7)!%[%84+/;="6%!)<)!,76%+6%6=Q+)6%
anterior.
ARTIGO 8.º
PROCEDIMENTOS EM CASO DE SINISTRO
&#%
H!)8,676%6%H6!",8,H6-D4%74%/,+,/"!4%H)=4/%K)!>,-4/%SM8+,84/%74%K)5;!674!X%)/")%,+<4!E6!Z%
4%S4E674!%74%/)5;!4X%4%K)5;!674%4;%4%84+7;"4!%74%>)Q8;=4X%84E%6%E6,4!%2!)>,767)%
H4//Q>)=X%H4!%)/8!,"4%)%7)%<4!E6%<;+76E)+"676X%/)%84+8=;,!%];)k
6j% 4%)>)+"4%+D4%)/"Z%84+")EH=674%H)=6/%56!6+",6/%76% HB=,8)q
2j% 6%H!)")+/D4%+D4%6H!)/)+"6%H!4262,=,767)/%7)%/;8)//4#
0#% g4%86/4%E)+8,4+674%+6%6=Q+)6%2j%74%+fE)!4%6+")!,4!X%6%T)//46%K)5;!6X%)%)E%
84+<4!E,767)%84E%4%+#$%0%74% !"#$%?#$%7)/"6%:4+7,-D4%@/H)8,6=X%/)!Z%!))E24=/676%
H)=4%K)5;!674!X%7)%W6!E4+,6%84E%4/%=,E,")/%76/%56!6+",6/%76% HB=,8)X%76/%7)/H)/6/%
/;H4!"676/X%86/4%6%/;6%H!)")+/D4%>)+W6%6%")!%684=W,E)+"4%3;7,8,6=#
9#%
8),")%6%H6!",8,H6-D4%74%/,+,/"!4X%4%K)5;!674!%H!4E4>)!Z%6/%7,=,5V+8,6/%67)];676/%6%;E6%
!)/4=;-D4%6E,5Z>)=%74%=,"Q5,4#
N#% K)EH!)%];)%W636%=;56!%6%!)8;!/4%[%>,6%3;7,8,6=X%4;%/)%>)!,*];)%6%)A,/"V+8,6%7)%;E%84+ƒ,"4%
7)%,+")!)//)/%)+"!)%4%K)5;!674!%)%6%T)//46%K)5;!6X%)/"6%")E%4%7,!),"4%7)%=,>!)%)/84=W6%7)%
67>45674#
O#% K)%6%T)//46%K)5;!6%4H"6!%H4!%;E%67>45674%+4E)674%H)=4%K)5;!674!X%*86E%6%86!54%
7)/")%6%"4"6=,767)%74/%/);/%W4+4!Z!,4/%)%4;"!6/%7)/H)/6/#
?#% 1/%H!4*//,4+6,/%+4E)674/%H)=6%T)//46%K)5;!6X%)%68),")/%H)=4%K)5;!674!X%54`6!D4%7)%
"476%6%=,2)!767)%+6%7,!)-D4%"M8+,86%74%=,"Q5,4X%/)E%7)H)+7)!%76/%,+/"!;-.)/%74%K)5;!674!%
4%];6=%"6E2ME%+D4%!)/H4+7)%H)=6%/;6%6";6-D4%+)E%H)=4%!)/;="674%4;%H!48)7,E)+"4#
gD4%42/"6+")X%4/%H!4*//,4+6,/%+4E)674/%7)>)!D4%E6+")!%4%K)5;!674!%,+<4!E674%76%
/;6%6";6-D4%)%76%)>4=;-D4%74%!)/H)",>4%H!48)//4X%)+>,6+74%8BH,6%7)%"476/%6/%H)-6/%
H!48)//;6,/#
ARTIGO 9.º
REMISSÃO
H=,86E^/)%6%)/"6%842)!";!6%<68;="6",>6%"476/%6/%!)5!6/%84+"!6";6,/%H!)>,/"6/%+6/%:4+7,-.)/%
a)!6,/%)%T6!",8;=6!)/%76% HB=,8)%];)%+D4%84=,76E%84E%4%7,/H4/"4%+)/"6%:4+7,-D4%@/H)8,6=#
ARTIGO 10.º
LIMITES DE INDEMNIZAÇÃO
^)V)FGC(+G()_+GV_)zM}qD
pD_Db{b)DC
DE ADVOGADOS, LIMITE
CD^) )FM+DbGC(
?Db
G(?Gb)FDC
C)_)CFbD
DEGbF\bMC
LIMITE
?Db(
ANO
&#% ()<)/6%)E%H!48)//4%H)+6=%)E%
84+/)];V+8,6%7)%68,7)+")%7)%>,6-D4
0#% R)8=6E6-D4%H4!%76+4/%7)84!!)+")/%
7)%=)/.)/%84!H4!6,/
9#% R)8=6E6-D4%H4!%76+4/%E6")!,6,/
44
&#9JJXJJ€
9#0OJXJJ€
?#OJJXJJ€
^)V)FGC(+G()_+GV_)zM}qD
pD_Db{b)DC
DE ADVOGADOS, LIMITE
CD^) )FM+DbGC(
?Db
G(?Gb)FDC
C)_)CFbD
DEGbF\bMC
N#% ()<)/6%7)%7,!),"4/%56!6+",74/%H4!%4;"!4/%
/)5;!4/
O#% 7,6+"6E)+"4/
O#&#% :6;-.)/
O#0#% 7,6+"6E)+"4/%7)%,+7)E+,`6-D4
LIMITE
?Db(
ANO
9#0OJXJJ€
&#9JJXJJ€
9#OJJXJJ€
?#OJJXJJ€
?#% T)!,"65)+/
9#0OJXJJ€
C#% R)8=6E6-D4%H4!%!)H6!6-D4%7)<),";4/6%
74%>)Q8;=4%/)5;!4
&#JJJXJJ€
?#OJJXJJ€
0#JJJXJJ€
g1S k%1/%=,E,")/%7)%,+7)E+,`6-D4%,+7,8674/%H6!6%6/%842)!";!6/%&#X%0#X9#%)%N#X%!)/H),"6E%64%
!)/H)8",>4%84+3;+"4#
FD+DC(DC(BM^DbGC()_ ^\GV()BM(r(FMoM(^GaM^(GV(B)aDb
45
CLÁUSULAS PARTICULARES
+!2( &[%2%&!2(?!7$/9%&!7,2(!(2,6%/7(8,297/$!2(2L(2,7@'(!"&/9[;,/2(!'("7,2,.$,(
9'.$7!$'(!W%,&!2(9%5'(.c=,7'(/8,.$/-9!$/;'(:'7(,>"7,22!=,.$,(=,.9/'.!8'(.!2(
'.8/01,2(?!7$/9%&!7,2U(
001
EXISTÊNCIA DE INTERESSADO NO SEGURO
_'(9!2'(8,(,>/2$/7().$,7,22!8'(.'(2,6%7'3('(C,6%7!8'7(9'="7'=,$,K2,(!(.@'(
resolver nem alterar este contrato sem conhecimento da entidade indicada nas
Condições Particulares.
007
DANOS CAUSADOS DURANTE UM SERVIÇO DE REBOQUE
D(C,6%7!8'7(.@'(6!7!.$,('2(8!.'2(9!%2!8'2(!'(;,#9%&'(2,6%7'(8%7!.$,(%=(
2,7;/0'(8,(7,4'W%,(,('",7!0@'(9'.,>!2J
011
AGRAVAMENTO DA FRANQUIA DE DANOS PRÓPRIOS
`/9!(9'.;,.9/'.!8'(W%,(!(:7!.W%/!(!"&/9[;,&(e2(9'4,7$%7!2( pDl\G3( D^)CqD(D\(
M?DFMVG_FD3()_ s_+)D3(bM)D(D\(Go?^DCqD(,(`\bFD(D\(bD\ED(/.8/9!8!(
.!2(9'.8/01,2("!7$/9%&!7,23(8%"&/9!7[('(2,%(='.$!.$,(->'(2,3(.'(='=,.$'(
8'(!9/8,.$,3(2,(2,(9'.2$!$!7(W%,('(9'.8%$'7(8'(;,#9%&'(2,6%7'(A(8/:,7,.$,(8'(
9'.8%$'7(H!4/$%!&(8,9&!7!8'(e(C,6%7'(+/7,$'3(,(,2$,($,.H!(9!7$!(8,(9'.8%0@'3(
"!7!('(=,2='($/"'(8,(;,#9%&'(2,6%7'3(H[(=,.'2(8,(d(!.'23(,(,2$,5!='2(",7!.$,(
%=(9'.$7!$'(9%5'(;,#9%&'(2,6%7'(,2$,5!(9&!22/-9!8'(.%=!(8!2(9&!22,2(8,(IS(!(
Ij('%(2,($7!$,(8,(%=(;,#9%&'(!.$/6'J(G2$@'(,>9&%#8'2(8!(!"&/9!0@'(8,2$!(9&[%2%&!(
"!7$/9%&!7('2(9g.5%6,2J
012
AGRAVAMENTO DO ESCALÃO DE BONUS/MALUS
POR CONDUTOR NÃO DECLARADO
`/9!(9'.;,.9/'.!8'(W%,('(=A$'8'(8,(8,$,7=/.!0@'("7,;/2$'(.!(F!4,&!(8,(Bonus/
Malus3(9'.2$!.$,(.'(M.,>'()(8,2$!2( '.8/01,2(a,7!/23(2':7,7[(%=(!67!;!=,.$'(
(duplicação do que está previsto) se, no momento do acidente, se constatar que o
9'.8%$'7(8'(;,#9%&'(2,6%7'(A(8/:,7,.$,(8'(9'.8%$'7(H!4/$%!&(8,9&!7!8'(e(+/7,9$(,(
,2$,($,.H!(9!7$!(8,(9'.8%0@'3("!7!('(=,2='($/"'(8,(;,#9%&'(2,6%7'3(H[(=,.'2(8,(
d(!.'23(,(,2$,5!='2(",7!.$,(%=(9'.$7!$'(9%5'(;,#9%&'(2,6%7'(,2$,5!(9&!22/-9!8'(
.%=!(8!2(9&!22,2(8,(IS(!(Ij('%(2,($7!$,(8,(%=(;,#9%&'(!.$/6'J(G2$@'(,>9&%#8'2(8!(
!"&/9!0@'(8,2$!(9&[%2%&!("!7$/9%&!7('2(9g.5%6,2J
Nessas circunstâncias, ao sinistro em causa será aplicada a evolução prevista no
.c=,7'(d(8!2(b,67!2(8,(G;'&%0@'(.'(C/2$,=!(8,(Bonus/Malus(7,:,7,.$,(e(F!4,&!(
de Bonus/Malus (ANEXO I).
030
ATUALIZAÇÃO AUTOMÁTICA DO CAPITAL SEGURO
POR TABELA DE DESVALORIZAÇÃO
?!7!(!2(9'4,7$%7!2(8,( pDl\G3( D^)CqD(D\( M?DFMVG_FD3()_ s_+)D3(bM)D(
D\(Go?^DCqD(,(`\bFD(D\(bD\ED(W%!.8'(2%4297/$!23(!(!$%!&/f!0@'(8'( !"/$!&R
B!&'7(C,6%7'($,=("'7(4!2,(!(F!4,&!(8,(+,2;!&'7/f!0@'(9'.2$!.$,(8'(M.,>'())(
destas Condições Contratuais, considerando-se atualizado mensalmente de
!9'78'(9'=(!2(7,67!2(8,-./8!2(.,22,(!.,>'J
46
ANEXO I
TABELAS A QUE SE REFEREM OS ARTIGOS 33º E 49.º
DAS CONDIÇÕES GERAIS DA APÓLICE DO SEGURO
AUTOMÓVEL
(APLICÁVEL ÀS COBERTURAS DE RESPONSABILIDADE CIVIL, CHOQUE, COLISÃO
E CAPOTAMENTO, INCÊNDIO, RAIO OU EXPLOSÃO E FURTO OU ROUBO)
REGRAS DE EVOLUÇÃO NO SISTEMA DE BONUS/MALUS
GC M^qD
t(ED_\C(VM^\C(
13
^OJw
12
^OJw
11
^OJw
10
^OJw
9
^NJw
8
^9Jw
7
^0Jw
6
^&Jw
5
0
4
&Jw
3
0Jw
2
NJw
1
FJw
0
&0Jw
&#% :676%6+;,767)%/)E%/,+,/"!4%,EH=,86%;E6%/;2,76%7)%;E%)/86=D4%7)%YB+;/X%6"M%/)!%6",+5,74%
4%)/86=D4%&&#
0#%
%484!!V+8,6%7)%/,+,/"!4%!)H)!8;")^/)%H)=6%7)/8,76%7)%0%)/86=.)/%H4!%8676%/,+,/"!4X%H4!%
6+;,767)#
9#%
%6H=,86-D4%76%8=Z;/;=6%7)% aR L o@gS1%(1%@K: Ut1%(@%BONUS/MALUS POR
:1g(eS1R%gt1%(@:U R (1%,EH=,86%6%7)/8,76%7)%N%)/86=.)/%+6%"62)=6%7)%Bonus/Malus.
47
ANEXO II
TABELA DE DESVALORIZAÇÃO DO VALOR SEGURO
A CONSIDERAR PARA EFEITOS DE PERDA TOTAL
(DE ACORDO COM O DECRETO-LEI Nº. 214/97, DE 16 DE AGOSTO)
K)5;,!%4/%H6//4/%/)5;,+")/%H6!6%86=8;=6!%6%,+7)E+,`6-D4%H4!%H)!76%"4"6=k
&#$%H6//4k%>)!,*86!%4%86H,"6=_>6=4!%/)5;!4%+6/%84+7,-.)/%H6!",8;=6!)/%4;%6>,/4^!)8,24#
0#$%H6//4k%86=8;=6!%6%6+",5;,767)%74%>)Q8;=4%/)5;!4%+6%76"6%74%f=",E4%6+,>)!/Z!,4%74%84+"!6"4X%
)E%6+4/%84EH=)"4/%)%E)/)/X%6%84+"6!%76%76"6%76%&#%E6"!Q8;=6#
9#$%H6//4k%>)!%+6%"62)=6%/)5;,+")%6%H)!8)+"65)E%6//48,676%64%+#$%7)%E)/)/%)+84+"!674#
N#$%H6//4k%7,>,7,!%4%86H,"6=_>6=4!%/)5;!4%H)=6%H)!8)+"65)E%)+84+"!676%+4%H6//4%6+")!,4!#
O#$%H6//4k%86=8;=6!%6%6+",5;,767)%74%>)Q8;=4%/)5;!4X%)E%6+4/%84EH=)"4/%)%E)/)/X%[%76"6%74%
/,+,/"!4#
?#$%H6//4k%E;=",H=,86!%4%>6=4!%)+84+"!674%+4%N#$%H6//4%H)=6%H)!8)+"65)E%6//48,676%[%
6+",5;,767)%74%>)Q8;=4%)+84+"!676%+4%H6//4%6+")!,4!#
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