{"id":1387,"date":"2024-07-26T19:52:00","date_gmt":"2024-07-26T19:52:00","guid":{"rendered":"https:\/\/segurosecidadania.pt\/?p=1387"},"modified":"2024-07-26T20:01:43","modified_gmt":"2024-07-26T20:01:43","slug":"legislacao-europeia-em-preparacao-3-3-2-2-2-2","status":"publish","type":"post","link":"https:\/\/segurosecidadania.pt\/?p=1387","title":{"rendered":"MODELO DE DECLARA\u00c7\u00c3O DE HISTORIAL DE SINISTROS DE RESPONSABILIDADE CIVIL AUTOM\u00d3VEL"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-5ev7bl-8eed5b8a6766a77526e4c82aacef29bb\">\n.avia-section.av-5ev7bl-8eed5b8a6766a77526e4c82aacef29bb{\nbackground-color:#c6325b;\nbackground-image:unset;\nz-index:0;\nposition:relative;\n}\n.av-curtain-footer.av-curtain-activated #main .avia-section.av-5ev7bl-8eed5b8a6766a77526e4c82aacef29bb{\nz-index:0;\n}\n<\/style>\n<div id='av_section_1'  class='avia-section av-5ev7bl-8eed5b8a6766a77526e4c82aacef29bb main_color avia-section-small avia-no-border-styling  avia-builder-el-0  el_before_av_one_full  avia-builder-el-first  avia-bg-style-fixed av-custom-positioned container_wrap fullsize'  ><div class='container av-section-cont-open' ><main  role=\"main\" itemprop=\"mainContentOfPage\"  class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-1387'><div class='entry-content-wrapper clearfix'>\n<div  class='flex_column av-3o1jkh-86649b570cbaf113915487e5365c5a59 av_one_full  avia-builder-el-1  avia-builder-el-no-sibling  first av-break-at-tablet flex_column_div  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2fz1dd-76103dc9cdb7d8366334038d0eed5bec\">\n#top .av-special-heading.av-2fz1dd-76103dc9cdb7d8366334038d0eed5bec{\nmargin:0 0 0 0;\npadding-bottom:0;\ncolor:#ffffff;\nfont-size:25px;\n}\nbody .av-special-heading.av-2fz1dd-76103dc9cdb7d8366334038d0eed5bec .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-2fz1dd-76103dc9cdb7d8366334038d0eed5bec .av-special-heading-tag{\nfont-size:25px;\npadding:0 0 0 0;\n}\n.av-special-heading.av-2fz1dd-76103dc9cdb7d8366334038d0eed5bec .special-heading-inner-border{\nborder-color:rgba(0,0,0,0.01);\n}\n.av-special-heading.av-2fz1dd-76103dc9cdb7d8366334038d0eed5bec .av-subheading{\nfont-size:20px;\n}\nbody .av-special-heading.av-2fz1dd-76103dc9cdb7d8366334038d0eed5bec .av-special-heading-tag .heading-wrap:before{\nborder-color:rgba(0,0,0,0.01);\n}\nbody .av-special-heading.av-2fz1dd-76103dc9cdb7d8366334038d0eed5bec .av-special-heading-tag .heading-wrap:after{\nborder-color:rgba(0,0,0,0.01);\n}\n\n@media only screen and (max-width: 479px){ \n#top .av-special-heading.av-2fz1dd-76103dc9cdb7d8366334038d0eed5bec{\nmargin:0 0 -100px 0;\n}\n#top #wrap_all .av-special-heading.av-2fz1dd-76103dc9cdb7d8366334038d0eed5bec .av-special-heading-tag{\nfont-size:17px;\n}\n}\n\n@media only screen and (min-width: 768px) and (max-width: 989px){ \n#top .av-special-heading.av-2fz1dd-76103dc9cdb7d8366334038d0eed5bec{\nmargin:0 0 -35px 0;\n}\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top .av-special-heading.av-2fz1dd-76103dc9cdb7d8366334038d0eed5bec{\nmargin:0 0 -35px 0;\n}\n#top #wrap_all .av-special-heading.av-2fz1dd-76103dc9cdb7d8366334038d0eed5bec .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-2fz1dd-76103dc9cdb7d8366334038d0eed5bec av-special-heading-h6 custom-color-heading blockquote modern-quote  avia-builder-el-2  avia-builder-el-no-sibling  av-inherit-size'><h6 class='av-special-heading-tag'  itemprop=\"headline\"  >Newsletter APS #04 | julho 2024<\/h6><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/main><!-- close content main element --><\/div><\/div><div id='after_section_1'  class='main_color av_default_container_wrap container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-1387'><div class='entry-content-wrapper clearfix'>\n<div  class='flex_column av-p5d3-ca9b10c70a3aa155c22681b3e7707f30 av_one_full  avia-builder-el-3  el_after_av_section  avia-builder-el-no-sibling  first flex_column_div  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-d879i-359a8dc95d6bd607d6a5293f82851785\">\n#top .av-post-metadata-container.av-d879i-359a8dc95d6bd607d6a5293f82851785{\nfont-size:14px;\nmargin:0 0 1px 0;\n}\n#top .av-post-metadata-container.av-d879i-359a8dc95d6bd607d6a5293f82851785 .av-post-metadata-container-inner{\nfont-size:14px;\n}\n<\/style>\n<div  class='av-post-metadata-container av-d879i-359a8dc95d6bd607d6a5293f82851785 av-metadata-container-align-left  avia-builder-el-4  el_before_av_heading  avia-builder-el-first  av-metadata-container-1'><div class='av-post-metadata-container-inner'><span class=\"av-post-metadata-content av-post-metadata-meta-content\"><span class=\"av-post-metadata-content av-post-metadata-category\"><span class=\"av-post-metadata-category-link\" ><a href=\"https:\/\/segurosecidadania.pt\/?cat=22\" >Legisla\u00e7\u00e3o e regulamenta\u00e7\u00e3o europeia<\/a><\/span><\/span><\/span><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-14ufa-c88af056ee701a3cd9ed71cbcf603d12\">\n#top .av-special-heading.av-14ufa-c88af056ee701a3cd9ed71cbcf603d12{\nmargin:0 0 0 0;\npadding-bottom:0;\nfont-size:30px;\n}\nbody .av-special-heading.av-14ufa-c88af056ee701a3cd9ed71cbcf603d12 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-14ufa-c88af056ee701a3cd9ed71cbcf603d12 .av-special-heading-tag{\nfont-size:30px;\npadding:0 0 20px 0;\n}\n.av-special-heading.av-14ufa-c88af056ee701a3cd9ed71cbcf603d12 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-14ufa-c88af056ee701a3cd9ed71cbcf603d12 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-14ufa-c88af056ee701a3cd9ed71cbcf603d12 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-14ufa-c88af056ee701a3cd9ed71cbcf603d12 av-special-heading-h1 blockquote modern-quote  avia-builder-el-5  el_after_av_post_metadata  el_before_av_image  av-inherit-size'><h1 class='av-special-heading-tag'  itemprop=\"headline\"  >MODELO DE DECLARA\u00c7\u00c3O DE HISTORIAL DE SINISTROS DE RESPONSABILIDADE CIVIL AUTOM\u00d3VEL<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lpcvo0mx-4773749165a12fd74bf83d7c5e48ee6b\">\n.avia-image-container.av-lpcvo0mx-4773749165a12fd74bf83d7c5e48ee6b img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-lpcvo0mx-4773749165a12fd74bf83d7c5e48ee6b .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-lpcvo0mx-4773749165a12fd74bf83d7c5e48ee6b av-styling- avia-align-center  avia-builder-el-6  el_after_av_heading  el_before_av_textblock '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-891 avia-img-lazy-loading-not-891 avia_image ' src=\"https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/01\/acidente-photoshop.jpg\" alt='' title='acidente photoshop'  height=\"799\" width=\"2000\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/01\/acidente-photoshop.jpg 2000w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/01\/acidente-photoshop-300x120.jpg 300w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/01\/acidente-photoshop-1030x411.jpg 1030w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/01\/acidente-photoshop-768x307.jpg 768w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/01\/acidente-photoshop-1536x614.jpg 1536w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/01\/acidente-photoshop-1500x599.jpg 1500w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2024\/01\/acidente-photoshop-705x282.jpg 705w\" sizes=\"(max-width: 2000px) 100vw, 2000px\" \/><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-lpcvxr49-658fa9932d29cf43ab3d722201b819e3 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p>A Diretiva 2009\/103\/CE do Parlamento Europeu e do Conselho, de 16 de setembro de 2009, relativa ao seguro de responsabilidade civil que resulta da circula\u00e7\u00e3o de ve\u00edculos autom\u00f3veis e \u00e0 fiscaliza\u00e7\u00e3o do cumprimento da obriga\u00e7\u00e3o de segurar esta responsabilidade, estabelece que os Estados-Membros devem assegurar que o tomador do seguro tenha o direito de solicitar a qualquer momento uma declara\u00e7\u00e3o relativa aos sinistros que envolvam responsabilidade civil, provocados pelo ve\u00edculo ou ve\u00edculos cobertos pelo contrato de seguro durante pelo menos os cinco anos anteriores \u00e0 rela\u00e7\u00e3o contratual, ou \u00e0 aus\u00eancia desses sinistros (\u00abdeclara\u00e7\u00e3o de historial de sinistros\u00bb).<\/p>\n<p>Com o objetivo de facilitar a verifica\u00e7\u00e3o e autentica\u00e7\u00e3o das declara\u00e7\u00f5es de historial de sinistros anteriores dos tomadores de seguro que pretendam celebrar novos contratos de seguros, a declara\u00e7\u00e3o de historial de sinistros deve ter um formato e um conte\u00fado que a tornem facilmente reconhec\u00edvel em toda a Uni\u00e3o devendo ser emitida de acordo com o modelo previsto no <a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/PT\/TXT\/PDF\/?uri=OJ:L_202401855\">Regulamento de Execu\u00e7\u00e3o (UE) 2024\/1855<\/a> da Comiss\u00e3o de 3 de julho de 2024, e conter as informa\u00e7\u00f5es necess\u00e1rias para os fins para que \u00e9 emitida relativas:<\/p>\n<ol>\n<li>a) \u00c0 identifica\u00e7\u00e3o da empresa de seguros;<\/li>\n<li>b) \u00c0 identifica\u00e7\u00e3o do tomador de seguro, incluindo os respetivos contactos;<\/li>\n<li>c) \u00c0 identifica\u00e7\u00e3o do ve\u00edculo seguro e o respetivo n\u00famero de identifica\u00e7\u00e3o;<\/li>\n<li>d) \u00c0 data de in\u00edcio e de vencimento da cobertura de seguro do ve\u00edculo;<\/li>\n<li>e) Ao n\u00famero de sinistros que envolvam responsabilidade civil de terceiros regularizados no \u00e2mbito do contrato de seguro do titular da ap\u00f3lice durante o per\u00edodo abrangido pela declara\u00e7\u00e3o de historial de sinistros, incluindo a data de cada sinistro;<\/li>\n<li>f) Informa\u00e7\u00f5es adicionais pertinentes ao abrigo das regras ou pr\u00e1ticas em vigor nos Estados-Membros.<\/li>\n<\/ol>\n<p>As empresas de seguros que t\u00eam em conta as declara\u00e7\u00f5es de historial de sinistros na determina\u00e7\u00e3o dos pr\u00e9mios de seguro autom\u00f3vel n\u00e3o poder\u00e3o discriminar o tomador do seguro em fun\u00e7\u00e3o da sua nacionalidade ou exclusivamente em fun\u00e7\u00e3o do seu anterior Estado-Membro de resid\u00eancia, devendo tratar uma declara\u00e7\u00e3o de sinistro de outro Estado-Membro do mesmo modo que uma declara\u00e7\u00e3o de sinistro nacional e aplicar a um cliente de outro Estado-Membro quaisquer descontos que seriam concedidos a um cliente nacional, incluindo os descontos que s\u00e3o exigidos pela legisla\u00e7\u00e3o nacional do Estado-Membro, tais como os descontos \u00ab<em>bonus malus<\/em>\u00bb \u2013 o sistema de <em>bonus malus<\/em> \u00e9 um sistema de tarifa\u00e7\u00e3o <em>a posteriori<\/em>, que influencia positiva ou negativamente, o pr\u00e9mio da anuidade em fun\u00e7\u00e3o da exist\u00eancia ou aus\u00eancia de sinistros da responsabilidade do tomador de seguro do ve\u00edculo seguro ocorridos num determinado per\u00edodo.<\/p>\n<p>Em caso de aus\u00eancia de sinistros, haver\u00e1 uma redu\u00e7\u00e3o percentual no pr\u00e9mio do seguro (<em>bonus<\/em>) do seguro, havendo um agravamento percentual do pr\u00e9mio (<em>malus<\/em>) quando existem sinistros que originem o pagamento de uma indemniza\u00e7\u00e3o ou a constitui\u00e7\u00e3o de uma provis\u00e3o).<\/p>\n<p>A declara\u00e7\u00e3o de historial de sinistros deve ser facultada, por via eletr\u00f3nica ao tomador de seguro no prazo de 15 dias ap\u00f3s solicita\u00e7\u00e3o da mesma, devendo ser igualmente fornecida gratuitamente em papel, quando solicitada.<\/p>\n<p>O modelo de declara\u00e7\u00e3o de historial de sinistros \u00e9 aplic\u00e1vel a partir de 24 de julho de 2025.<\/p>\n<p><em>Autor: APS<\/em><\/p>\n<\/div><\/section><\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Com o objetivo de facilitar a verifica\u00e7\u00e3o e autentica\u00e7\u00e3o das declara\u00e7\u00f5es de historial de sinistros anteriores dos tomadores de seguro que pretendam celebrar novos contratos de seguros, a declara\u00e7\u00e3o de historial de sinistros deve ter um formato e um conte\u00fado que a tornem facilmente reconhec\u00edvel em toda a Uni\u00e3o devendo ser emitida de acordo com o modelo previsto no Regulamento de Execu\u00e7\u00e3o (UE) 2024\/1855 da Comiss\u00e3o de 3 de julho de 2024, e conter as informa\u00e7\u00f5es necess\u00e1rias para os fins para que \u00e9 emitida.<\/p>\n","protected":false},"author":1,"featured_media":891,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"quote","meta":{"footnotes":""},"categories":[22],"tags":[],"class_list":["post-1387","post","type-post","status-publish","format-quote","has-post-thumbnail","hentry","category-legislacao-e-regulamentacao-europeia","post_format-post-format-quote"],"_links":{"self":[{"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts\/1387","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1387"}],"version-history":[{"count":1,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts\/1387\/revisions"}],"predecessor-version":[{"id":1389,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts\/1387\/revisions\/1389"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/media\/891"}],"wp:attachment":[{"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1387"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1387"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1387"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}