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What Insurance is Mandatory for TVDE?

If you plan to operate as a TVDE driver (Individual and Paid Passenger Transport in Unmarked Vehicles), it is essential to ensure full legal compliance — and that includes having the appropriate insurance coverage.

In this article, we clearly explain which types of insurance are mandatory for TVDE in Portugal and why they are crucial for your activity.

1. Motor Third-Party Liability Insurance

This is the basic mandatory insurance for any vehicle on the road.

However, for vehicles used in TVDE services, there are some important differences:

  • It must cover professional use (not just private use)

  • Higher coverage limits are usually required

  • It protects against damage caused to third parties (people and property)

⚠️ Important: A standard private-use car insurance policy is not valid for TVDE activity.

 

2. Professional Liability Insurance (TVDE)

This insurance is specific to TVDE activity and is mandatory.

Its main purpose is to protect passengers and third parties during the service, covering situations such as:

  • Accidents during the trip

  • Incidents when passengers are entering or exiting the vehicle

  • Damages caused in the course of professional activity

This policy provides an additional layer of protection beyond standard motor insurance.

3. Personal Accident Insurance for the Driver

Although not always legally mandatory, this insurance is highly recommended and often required by transport platforms.

It covers the driver in situations such as:

  • Temporary or permanent disability

  • Accidental death

  • Medical expenses

Having this protection is essential to ensure financial security in case of unforeseen events.

Other Important Considerations

  • The vehicle must be explicitly registered in the insurance policy as being used for TVDE activity

  • It is essential to confirm that the insurer authorizes this type of use

  • Some platforms may offer additional coverage, but these do not replace mandatory insurance

Conclusion

To legally operate as a TVDE driver in Portugal, you must have:

  • Motor Third-Party Liability Insurance (with professional use)

  • Professional Liability Insurance (TVDE)

  • Personal Accident Insurance (recommended / often required)

Meeting these requirements is not only a legal obligation — it is also key to protecting your business, your passengers, and your own safety.

 

If you have any questions or need help choosing the most suitable insurance, our team is available to assist you through the support area or by phone at (+351 300 600 278, available Monday to Friday, from 9:00 AM to 6:00 PM).