Tips for a safe holiday: Review your policies with Grumese Insurance

Holidays are the perfect time to relax, explore new destinations and enjoy quality time with the family. But before you go, there's an essential step that is often overlooked: checking that your insurance is up to date and suitable for your holiday plans.

At Grumese Seguros, we want to ensure that you can rest easy. That's why we've come up with some simple tips for travelling safely, protecting what's most important.

1. Multi-risk Home Insurance: Protected home, even in your absence

Are you leaving the house empty for several days? O multi-risk home insurance is your ally in protecting your home against unforeseen events such as theft, water damage or fire.

What to check:

• Active covers: Check which covers are included, in particular theft and damage caused by third parties.
• Applicable deductibles: Find out how much you will have to pay in the event of a claim.
• Safe capital: Ensure that the insured value correctly reflects the value of the contents and the property.

2. Car Insurance: Prepare your vehicle for the road

If you're travelling by car, make sure the car insurance is in force and with travel assistance included, both in Portugal and abroad, at the destination you're travelling to if you're travelling across borders.

Check the following:

• 24-hour travel assistance: Includes towing, replacement vehicle and passenger transport.
• Own damage cover: If you have “all risks” insurance, check the limits and exclusions.
• Green Card: If you're travelling abroad, take your international certificate (carta verde), a compulsory document that proves you have international car insurance. And check that the country you're travelling to is on the international certificate.

3. Boat Insurance: Navigate safely

Are you going on holiday on the coast or taking boat trips? One pleasure boat insurance is essential to safeguard your safety and that of others at sea.

Aspects to be confirmed:

• Civil liability: Compulsory cover for damage to third parties.
• Own damage and rescue: Check that the insurance covers accidents to the boat, loss or need for rescue.
• Cover for occupants: Important to protect passengers on board.

4. Travel Insurance: Peace of mind at any destination

Travelling abroad involves different risks. A good travel insurance you can avoid headaches with unexpected medical expenses, cancellations or lost luggage.

Before travelling, analyse:

• Medical cover: Does it include hospitalisation, medication and repatriation?
• Trip cancellation and interruption: Does it protect against financial losses due to unforeseen circumstances?
• Covid-19 coverage or other infectious diseases: Some policies already include this option.

Consult Grumese Insurance Before You Leave

Whether you want to protect your home, your car, your boat or your trip, Grumese will help you tailor your policies to your needs. A brief contact with your intermediary can avoid major surprises during your holiday.

Peaceful holidays start with up-to-date insurance. Count on us!

Talk to us - 214 131 310

jose.monteiro@grumese.pt

Grumese, always with your confidence

 

Tips for a safe holiday: Review your policies with Grumese Insurance