Insurance Consultants for companies, individuals and condominiums.

How can I get bicycle insurance?

You can include it in your contents insurance, either as part of your garage contents coverage or as part of your home contents coverage, so that if your bicycle is stolen while you are in your garage or at home, you are covered. If you choose insurance with no deductibles the insurance company will pay the full value of the bicycle. You must insure it for the new replacement value and indicate brand, model and frame number. See more in multi-risk insurance multi-risk insurance.

Savings or to save money referes to not spending today to spend later. Either way, money was made to spend, today or in 20 years.

The ideal is to start making monthly deliveries, a value subtracted from your account without making a gap, if possible monthly. It should not be too low for you to save a value that is important to you, but also a value that is not too high that becomes uncomfortable.

It allows several types of coverages in the sequence of accidents, such as:

– Capital to be received by the beneficiaries in case of death;

– Capital to be received by the beneficiaries in case of permanent disability;

– Treatment costs following accidents;

– Travel assistance abroad;

Workers compensation insurance – On behalf of others

The work accident insurance guarantees the possible liability of the employer for accidents that happen with their workers in the performance of their professional activity.

It also guarantees the so-called risk of travel, that is, accidents occurring on the way to and from the workplace.

Under this insurance are guaranteed the payment of pensions for death or permanent incapacity, compensation for temporary incapacity, funeral expenses for death of the worker and compensation necessary for the recovery of the state and work capacity of the worker, such as hospital care, Medical expenses, and functional rehabilitation and prosthesis.

Workers compensation insurance– Self-Employed,

The Work compensation Insurance – self-employed is mandatory by Law, the insurance which guarantees  the payment of pensions for death or permanent incapacity, compensation for temporary incapacity,  compensation necessary for the recovery capacity , such as hospital care, Medical expenses, and functional rehabilitation and prosthesis.

What are the covers?

Questions 

Why should you buy a Worker’s Compensation Insurance?

Because a Worker’s Compensation Insurance benefits and protects your company’s employees and at the same time allows you to guarantee the stability of your business. With Allianz Acidentes de Trabalho, you are protected from any unexpected event that may occur to your employees during the normal performance of their work tasks. Taking out Worker’s Compensation Insurance is mandatory by Law

Why should I, as Self-Employed, buy this specific Insurance?

Because you could suffer an accident during your working period and there are certain risks you should not take alone. In this case, you should have an insurance, which guarantees the expenses necessary to your recovery and also your monthly income, so that you can accomplish your family obligations. If you are self-employed, this is the insurance which guarantees yours and your family’s financial stability, in case you are unable to continue working. In addition, this insurance is also mandatory by Law.

Please contact R2 for more information.

Just like cars, auto insurance is not all the same.

Auto Insurance is insurance that can be customized to your needs.

What are the most common covers:

–Civil Liability (RC): Companies assume the value of the losses you cause to other people, property or vehicles, in cases of accidents resulting from your responsibility (under the law).

– Property Damage (PD): Includes coverages for Impact, Collision and Rollover, Fire, Lightning or Explosion, Theft or Robbery, Phenomena of Nature and Acts of Vandalism.

– Occupants and Driver: Protection for you and the people traveling with you i.e. in the event of a traffic accident, the people traveling in your car will be entitled to payment of compensation for death or permanent disability, treatment expenses and funeral expenses.

– Travel Assistance: Assistance for your automobile and occupants within the contracted limits.

– Legal Protection: Legal support for your defense in criminal proceedings or claim for damages in case of accident.

– Glass Breakage: Guarantees the replacement or repair of your automobile’s glass, provided that the damage is limited exclusively to the vehicle’s glass.

– Replacement Vehicle for Breakdown: When the insured vehicle is not repairable on the day of immobilization due to breakdown in Portugal, the companies will pay for the rental of a light passenger vehicle.

In order to insure the walls or household good of your house or apartment.

You can choose  the covers with comprehensive basic covers, including Water damage, Storms or Legal protection;

Additional covers, including Earthquake coverage, Personal accidents, Damage to landlord’s property, Swimming pool liability, and more;

Please contact R2 for more information.

Health Insurance provides coverage to your family or your company employees for:

-Hospitalization and surgery;
-Ambulatory;
-Travel assistance;
-Second medical opinion;
-International Medical coverage;
-Child delivery costs.

In Portugal, with high fees practiced and long queues in the SNS (National Health System), an health insurance is a great choice.

Life insurance is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money (the benefit) in exchange for a premium, upon the death of an insured person (often the policy holder).