Choosing the right car insurance is one of the most important decisions for any driver. Not only because the law requires at least minimum coverage, but also because the level of protection can make a big difference in your daily life or in unexpected situations. At Certo Seguros, we know that every client has unique needs. That’s why we offer solutions tailored to different profiles: Third Party Insurance, Intermediate Coverage, and Comprehensive Insurance. Find out which one best suits you and your vehicle.

Third Party Insurance (Compulsory Liability)
Third party insurance is the most basic and affordable option. It covers damages caused to third parties – people, vehicles, or property – in case of an accident for which the insured is responsible.

Advantages:

• Lower premium.
• Meets the legal requirement.
• Suitable for older cars or vehicles with low market value.

Limitations:

• Does not cover damage to the insured’s own vehicle.
• In case of theft or a serious accident, the owner bears all costs.

Intermediate Insurance (extended third party)
Intermediate insurance is a more complete version of third party coverage. In addition to liability coverage, it may include protection against fire, theft, natural events (storms, floods, falling trees), and even some additional assistance services.

Advantages:

• Good balance between price and coverage.
• Protects against frequent risks such as theft or fire.
• Ideal for medium-value or newer vehicles, for owners who don’t want to pay for full comprehensive insurance.

Limitations:

• Damage to the insured’s own vehicle in accidents caused by them is still not covered.
• May not be sufficient for those who drive daily in high-risk areas.

Comprehensive insurance (all risks)
Comprehensive insurance is the most complete option. In addition to the coverages already mentioned, it includes protection against damage to the insured’s own vehicle, even if they are responsible for the accident.

Advantages:

• Maximum peace of mind and security.
• Covers repair or replacement of the vehicle in case of an accident.
• Often includes a replacement car, roadside assistance, and other benefits.
• Recommended for new cars, high-value vehicles, or those purchased through financing.

Limitations:

• It is the most expensive type of insurance.
• May involve deductibles (the minimum amount the insured must pay in case of a claim).

How to choose the ideal insurance?
The decision should be based on three key factors:

1. Vehicle value – Older or low-value cars usually don’t justify comprehensive insurance.
2. Available budget – Assess how much you are willing to spend monthly or annually.
3. Usage profile – If you drive daily, in busy urban areas or on long trips, more complete coverage may be a good option.

Finding the right balance between cost and protection
There is no single answer: the choice between third-party, intermediate, or comprehensive coverage depends on balancing cost and the desired level of protection. For older and low-value cars, third-party insurance is sufficient. For newer or mid-value vehicles, intermediate insurance offers good coverage at an affordable price. For new, luxury, or financed cars, comprehensive insurance is the most recommended option, ensuring greater peace of mind in any situation.

Need help choosing your car insurance?
At Certo Seguros, we help you find the car insurance that truly fits your needs and your budget. Request a free quote today and discover how you can protect your car and drive safely.

Andreia Arenga
06.01.2025

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