[ Diretor: Mário Frota [ Coordenador Editorial: José Carlos Fernandes Pereira [ Fundado em 30-11-1999 [ Edição III [ Ano XII

quarta-feira, 30 de setembro de 2020

Redução do prémio (preço) do contrato de seguro de responsabilidade civil automóvel


AOS NOSSOS CONCIDADÃOS

Assunto:
Redução do prémio (preço)
do contrato de seguro de responsabilidade civil automóvel
 Salve!

Melhores saudações.

A actual situação de calamidade pública provocada pela pandemia da doença COVID-19 suscita um impacto relevante no exercício da actividade seguradora que importa acautelar através da aprovação de um regime excepcional e temporário relativo ao pagamento do prémio de seguro e aos efeitos da diminuição temporária, total ou parcial, do risco da actividade no contrato de seguro”, 

eis o que ressalta do preâmbulo de um diploma legal datado de 12 de Maio em curso, cuja aprovação se ficou a dever à iniciativa de cidadãos de distintos quadrantes que expuseram ao Governo a necessidade de intervenção neste domínio.

De molde a concretizar-se o que nele se contém, entendem os subscritores do documento tornado público recentemente que aos CIDADÃOS compete, enquanto titulares de uma apólice de seguro de responsabilidade civil automóvel (obrigatório e ou facultativo) dirigir-se às SEGURADORAS, a fim de lograrem uma redução do prémio em função de 60 dias de paralisação dos veículos e da correspondente redução do risco que se estima em pelo menos 10%.

Claro que os CIDADÃOS (os tomadores de seguros) podem ainda, para além da redução temporária do montante do prémio em função da redução temporária do risco, acordar noutros aspectos, tal como previsto na lei, como segue:

·         o pagamento do prémio em data posterior à do início da cobertura dos riscos,
·         o afastamento da cessação automática ou da não prorrogação do seguro em caso de falta de pagamento,
·         o fraccionamento do prémio,
·         a prorrogação da validade do contrato de seguro,
·         a suspensão temporária do pagamento do prémio.

Cada qual ajuizará da sua situação e acrescentará à minuta que segue o que for de sua conveniência.

Daí que a cada um dos titulares de tais apólices (TOMADOR DE SEGURO) cumpra remeter à  respectiva SEGURADORA a carta cuja minuta segue, por qualquer meio disponível, em particular por mensagem electrónica (e-mail): Descarregar aqui

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