Choosing the right car insurance doesn't have to be a puzzle. At Exato Seguros, we believe that clear and transparent information is the first step towards the right decision. The truth is that there is no such thing as “universal” insurance. The ideal insurance for you depends on your needs, your lifestyle and, of course, your vehicle. To help you make an informed choice, we explain everything you need to know about car insurance. There are three main types of car insurance:

1. Civil liability insurance (or “third party insurance”) - This is insurance that is compulsory by law. It covers damage you may cause to third parties, whether material or bodily. It does not cover damage to your own vehicle.
2. Extended third party insurance - In addition to civil liability, this can include additional cover such as glass breakage, travel assistance, fire and theft. It's an intermediate solution for those who want more protection without the cost of comprehensive insurance.
3. All-risk insurance - The most comprehensive option. Covers damage caused to third parties and the vehicle itself, even if the accident was your responsibility. It can also include protection against natural phenomena, acts of vandalism or collisions with animals.

How to compare cover effectively: Price is not always the best indicator. The most important thing is to look at the cover included and the indemnity limits. Some useful tips:

• Check if you are entitled to a replacement car.
• Confirm the level of excess: a lower amount may be more advantageous in the event of a claim.
• Analyse travel assistance: is it available 24 hours a day? Does it cover Portugal and abroad?
• Compare occupant cover and legal protection.
• Be aware of exclusions or limitations

At Exato Seguros, we make it easy to compare and explain each cover in a simple and straightforward manner. We believe that an informed customer is a better protected customer. What to do in the event of an accident: If you have an accident, stay calm and follow these steps:

1. Ensure your safety and that of others. Switch on all four indicators, put on your waistcoat and the signalling triangle.
2. Fill in the Friendly Motor Accident Declaration (DAAA) with all the details of the drivers and vehicles involved.
3. If you can't fill in the declaration, call the authorities.
4. Contact Exato Seguros immediately to start the process. The quicker you contact us, the quicker we can resolve the issue.

Our team accompanies you throughout the process and clears up any doubts. We are always by your side, every kilometre of the way. How a car insurance simulation works: At Exato Seguros, making a simulation is simple, quick and without obligation. All you have to do is provide a few basic details - such as the licence plate number, the year of the car, the type of use and your driving history - and in a few minutes you'll have access to the best proposals on the market, with total transparency. Our mission is to present you with the most suitable solution for you and, if you have any doubts, our team is always on hand to guide you.