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º parece ser um dos argumentos que levou o legislador a intervir. O Regulamento n.
º 0001/CIMA/PCMA/PCE/2011, de 11 de abril de 2011, que altera e completa as disposições do Código dos Seguros relativas à subscrição e à gestão dos contratos, refere-o claramente. O pagamento do prémio é um elemento incontornável da gestão dos sinistros.
A lei estipula que: a apólice produz efeitos desde que o segurado pague integralmente o prémio. Esta disposição responde às numerosas falhas técnicas do mercado, como os atrasos no pagamento dos prémios, e reforça o princípio "SEM PRÉMIO, SEM GARANTIA".
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