Claims
File a claim in under five minutes.
No phone queues. No forms by post. Tell us what happened — we handle the rest.
The process
Log in, describe what happened, we review in 48 hours.
Log in and select your policy
Sign in to your account, navigate to Claims, and select the policy the incident relates to. Auto, home or health — each has its own claim form.
Describe what happened — text or photos
Write a clear description of the incident and attach any supporting photos or documents. For auto claims, include the date, location, and other party details if applicable.
We review within 48 hours
Our team reviews your claim submission and contacts you if additional information is needed. You receive an acknowledgement email with your claim reference number immediately.
Decision and payment to your account
Once approved, payment is processed directly to your registered bank account. For health claims, reimbursement is to the account on record. For repair-based auto claims, payment goes to the approved repairer.
Be prepared
Have these ready — claim delays are almost always documentation gaps
Auto Claims
- Vehicle registration document
- Photos of all damage
- Other party's details (if collision)
- Police report (if applicable)
- Date, time, and location of incident
Home Claims
- Photos of damaged items or area
- Inventory list of affected belongings
- Incident report (if theft — police report)
- Receipts for damaged items where available
- Repair estimates (for structural damage)
Health Claims
- Doctor's referral or prescription
- Itemised receipts and invoices
- Diagnostic report (if applicable)
- Your digital membership card number
- Bank account details for reimbursement
Questions answered
Claims FAQ
We review all claims within 48 hours and contact you with an initial decision or request for additional information. Straightforward contents claims with complete documentation are typically resolved in 5–7 business days. Complex structural or auto claims may take longer depending on assessment requirements.
For standard claims, no. Our process is designed to be straightforward — you describe the incident, attach evidence, and we handle the assessment. If your claim involves a disputed third-party liability (e.g. a collision where fault is contested), you may wish to take legal advice. Legal expenses cover is included in our Total auto tier and Completo home tier.
You have the right to appeal any claims decision. Your policy document specifies the appeals process and timelines. If we cannot resolve a dispute, you may contact the ASF (Autoridade de Supervisão de Seguros e Fundos de Pensões) or use the consumer dispute resolution mechanisms available under Portuguese law.
Yes. Once you file a claim, your account shows the current status — submitted, under review, additional information requested, approved, or paid. You receive email notifications at each status change.
For urgent situations (emergency car repair, emergency accommodation after a home incident), contact us directly by phone (+351 21 340 7812) or email ([email protected]). Mention "urgent claim" in your message. We prioritise same-day responses for genuine emergencies.