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Franquia é a parte da indemnização (acordada previamente), que o Cliente suporta em cada sinistro, desde que afecte a cobertura onde esta se aplique.
Fundo Garantia de Acidentes de Trabalho (FAT)
É o organismo que funciona junto do Instituto de Seguros de Portugal, ao qual compete satisfazer as indemnizações decorrentes de acidentes de trabalho. O valor a pagar a este organismo corresponde a 0,15% dos salários considerados para processamento dos prémios (geralmente salário anual).
Fundo Garantia Automóvel (FGA)
É o organismo que funciona junto do Instituto de Seguros de Portugal, ao qual compete satisfazer as indemnizações decorrentes de acidentes originados por veículos sujeitos ao seguro obrigatório e que sejam matriculados em Portugal ou em países terceiros em relação à União Europeia que não tenham gabinete nacional de seguros, ou cujo gabinete nacional de seguros não tenha aderido à Convenção Multilateral de Garantia entre Serviços Nacionais de Seguros.
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O valor a pagar a este organismo corresponde a 2,5% do prémio comercial do seguro automóvel.