Purpose
A SABSEG solution tailored for TVDE drivers and operators. If you drive with Uber, Bolt or Free Now, you need a motor insurance policy that explicitly includes TVDE usage — standard motor insurance is not valid for this professional activity. SABSEG, a specialist in professional mobility insurance, offers a comprehensive solution fully aligned with Portuguese Law no. 45/2018, ensuring legal compliance, safety and customisation.With the support of a dedicated account manager and the option to add coverages such as own damage or a replacement vehicle, this insurance is ideal for independent drivers and fleet operators.
Reasons to Subscribe
Basic Coverages
Motor Third-Party Liability (MTPL)
Covers bodily injury and property damage caused to third parties and passengers.
Passenger Personal Accident Insurance
Compensation for death, permanent disability, or medical expenses
TVDE Mention in the Policy
Mandatory for the legal validity of the insurance policy. 24h Roadside Assistance - Towing, alternative transport, accommodation, and parts delivery.
Legal Protection
Support in administrative or legal disputes related to the service.
Optional Coverages
Own Damage
Covers collisions, overturning, theft, fire, and vandalism.
Replacement Vehicle
Keeps your service running even if the vehicle is immobilised.
Increased Third-Party Liability Limits
Raises the contractual compensation limits.
Reduced or Zero Deductible
Minimises the financial impact in the event of a claim.
Territorial Extension
Covers travel to countries such as Spain or France.
Target Audience
Independent professionals (ENIs) operating under the TVDE regime
Companies that own or operate ride-hailing fleets
Aggregators or platforms managing TVDE vehicles
Businesses that lease vehicles to TVDE drivers
Self-employed professionals with a vehicle assigned to passenger transport
FAQ's - Frequently Asked Questions
Yes. It is required under Article 12 of Law No. 45/2018. Without this policy, TVDE activity cannot be carried out legally.
No. TVDE activity requires a dedicated policy, with the vehicle’s professional use clearly stated in the coverage.
The base insurance only covers accidents that occur during service. However, you can purchase additional coverage to include personal use of the vehicle.
TVDE insurance is legally distinct from taxi insurance, as it falls under a different legal framework (Law No. 45/2018 vs. Decree-Law No. 251/98)
Yes. It is recommended for those who rely on the vehicle as their main source of income.
Yes. SABSEG offers tailored solutions for fleets and operators with multiple vehicles.