Types of insurance for cars

Types of insurance for cars

When it comes to hiring car insurance, one of the main things we need to look at is about the coverages it includes. To help you choose the one that suits you the most, we do a quick review of the most common differences in car insurance policies.

To third parties, to third parties extended, to all risk, to all risk with franchise... Not all car insurance is the same. The market is full of different types of policies that offer varied coverages ranging from the basic ones that relate almost exclusively to the damages that may be caused to third parties in the event of an accident, until reaching those that even help and advise the driver in Specific circumstances such as the withdrawal of the card.

Depending on the type of policy contracted, the coverages vary in a very significant way, and with them also varies the price of the annual premium to pay for the car insurance. For example, policies with lower annual premiums are usually those for car insurance to third parties: they are the most basic and mainly cover the damage that the insured driver may cause to other drivers or vehicles. 

It is important to note that not all policies to third parties are the same: each insurer establishes its conditions and includes specific coverages to try to differentiate itself from the competition: roadside assistance, fines management, legal advice, by example, your most basic third party insurance policy includes travel assistance, as well as legal advice for loss of driver's license points, aspects that other companies only allow to hire as extras.

In general, insurance companies offer the possibility to supplement their car insurance policies to third parties with additional coverages. For example, it allows hiring extras such as roadside assistance, the free choice of workshop and the possibility of obtaining a replacement vehicle if the car is insured to suffer a claim that has it for a time in the workshop, or is stolen.

In addition, the insurance companies also offer the extended car insurance to third parties, which includes the basic coverages of any insurance policy to third parties, plus a series of extras that although they make a little more expensive the price of the premium, together they can represent An attractive option for those seeking a policy that also protects part of their interests and those of the insured car. 

On the other hand, car insurance at all risk are those that include the greatest amount of guarantees, which translates into a greater peace of mind for the policyholder, ie for whom he hires, although these coverages as it is logical are a higher premium. This type of insurance is usually recommended for new vehicles, since they protect practically all aspects related to the safety and care of the insured car. 

Franchised full-risk car insurance is a good choice for drivers who have a new or relatively new vehicle, and do not often suffer many claims per year. It is important to note that the franchise is pre-established with the insurance company and that it is a fixed amount that is agreed in advance. 

Given such a variety of options, and conditions, the ideal is to analyze very carefully what are the real needs we have when hiring insurance for our vehicle, evaluating aspects that go beyond the price of the premium and go to evaluate Our driving habits, experience in front of the wheel, and even if the car spends the night parked in the street or in a private garage. The key to buying smart is to compare, and hiring the ideal car insurance is no exception.

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¿What is Travel insurance?

¿Qué es un seguro de viaje?

En su estadía en el extranjero, no debe depender de ningún seguro de viaje. Necesita un seguro adaptado perfectamente a su forma de viajar.

El seguro de viaje es uno de los servicios más importantes que debemos tener en cuenta cuando viajamos al extranjero. Lo bueno es que el seguro de viaje es que siempre seremos callados y disfrutaremos del viaje al máximo sabiendo que si surge un imprevisto, nos respaldará una cobertura.

La operación de la asistencia al viajero implica cubrir en el extranjero los riesgos que existen habitualmente, como por ejemplo alguna emergencia leve por dolor de cabeza, problemas estomacales, mareos que es lo que normalmente nos pasa a los viajeros, así como emergencias más graves que pueden ser enfermedades o accidentes más graves, que siempre estamos expuestos a estos.

Para eso siempre estaremos disponibles los teléfonos de la empresa que nos brinda el servicio o direcciones de las clínicas de la ciudad donde nos encontramos, donde podemos ir y ser recibidos por especialistas médicos que nos brindarán la asistencia correspondiente a Nuestra emergencia, de ser necesario realizaremos estudios, placas, nos darán medicamentos, también tendremos odontología de emergencia dentro de la cobertura y todo lo que fue necesario para solucionar lo inesperado que surgió.

También para el seguro de viaje en caso de urgencia grave, seremos intervinidos y contaremos con profesionales que harán lo mejor para nosotros, haremos hospitalizaciones cubiertas, días de internación, operaciones, etc.

Podemos decir que el seguro de viaje funciona de manera similar a un trabajo social o de prepago que tenemos en nuestro país de origen, la diferencia es que el mismo se brindará en el exterior y solo brindará cobertura en caso de urgencia o emergencia. surgió en nuestro viaje.

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¿What is insurance and how does it work?

¿What is insurance and how does it work?

Insurance is contracts whereby, in exchange for collecting a premium (insurance price), the insurance Company undertakes, in the event of an accident covered by the contract, to indemnify the damage produced or to satisfy a capital, income or other Agreed allowance.

Terminology

A special terminology is used in the insurance world. To understand the characteristics and functioning of these products, first understand the meaning given to the following words:

People involved

• The insurer: is the insurance company. In exchange for collecting a premium, it assumes the obligation to indemnify the insured or beneficiary a certain amount of money, in the event of a certain event occurring (contingency).

• The policyholder: is the person or company that contracts the insurance and pays the premium.

• The insured: is the person exposed to the risk covered by the insurance contract. The risk may fall on the person of the insured, on the property that it possesses an economic interest or on its globally considered patrimony

• The beneficiary: is the person or company that is entitled to receive the consideration agreed upon in the contract.

The policyholder, insured and beneficiary could be the same person, or different people.

Other terms

• Policy: This is the document in which the insurance contract is embodied. It contains the regulation of the same and is composed of general, particular and special conditions.

• Premium: The price of insurance

• Insured sum: The amount fixed in each of the agreed coverages and constitutes the maximum limit of compensation payable by the insurer, in case of contingency or loss.

Contingency/Casualty: The event foreseen in the policy and that gives rise to the fulfillment of the obligations of the insurer. The production of the contingency or loss gives rise to the agreed indemnification. (Examples of contingencies: death, sickness, fire, accident, etc.)

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How to select good health insurance.

How to select good health insurance.

Steps to follow:

Types of health insurance there are and which you need, there are two types of health insurance, those insurances that ensure for a given illness and the other the general insurance policy that guarantees health insurance for any disease that the client may have.


Within the types of health insurance there are types of policies that cover only one type of illnesses, others that cover any type of disease, inform you before hiring the policy that type of illnesses covers the health insurance.


The period of lack is the time that the insurer leaves as a margin to cover certain illnesses, a typical case is that of pregnancy since most of the companies can have a year of lack, during this year the client will not have medical coverage.
Beware of age, there are medical insurance companies that do not want to secure people over 55 to 60 years. Companies have every right not to secure older customers this age. Sex limitations are not accepted by case law.

The medical insurance companies do not have the right to terminate the contract unilaterally or modification of the service must inform beforehand. If you will be able to do so but you must first inform them that the conditions will change.

Some insurance policies include medical co-payment that means that the services you provide must be partially paid. This type of service makes the monthly fixed price less and that it is paged in a variable way for each visit or operation that we need.

Make sure that the insurance policy perfectly spells out the terms to unsubscribe, because on many occasions there is a fixed expiration date and it is not free to unsubscribe. Even at other times insurance policies may have a period of stay in private insurance.

The premium increases in the health insurance quota are not regulated and the insurance company can raise the fee when and for the amount the company wants.
This article is purely informative, we do not have the power to prescribe any medical treatment or to make any kind of diagnosis. We invite you to go to a doctor if you have any type of condition or discomfort.

Tips
• It is advisable to read the insurance policy well because it will be the contract between the insurance company and the client.
• Find out the origin, history and characteristics of the insurance company that owns the company that provides the health insurance services.

• Before hiring a health insurance company, consult several companies and ask for detailed price quotations and services included in each.

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How to insure your assets

Cómo asegurar sus activos

El seguro en general protege las pérdidas económicas para las personas, las empresas y el estado. Es el instrumento financiero que permite la transferencia de riesgos a las compañías de seguros mediante el pago de una tarifa.
Al comprar una póliza de seguro, el asegurado puede recibir una compensación por el bien asegurado cuando ocurre un desastre natural, un accidente automovilístico, un incendio, una discapacidad, un engaño, un gasto de atención médica o incluso la muerte.

En el caso específico del mercado inmobiliario existen varios seguros especializados en proteger aspectos de las viviendas. Cuando una persona adquiere una propiedad con financiamiento, los prestamistas requieren un seguro de propiedad. Para lo cual el propietario deberá comprar una póliza que cubra mínimamente el valor de la hipoteca.
Las pólizas de seguro Standard-Property están compuestas por cuatro coberturas de seguro.
La cobertura estructural que protege al propietario de los daños más comunes, como fuego, humo, granizo, vandalismo y robo. Esta cobertura incluye una cantidad deducible que el propietario de la propiedad acepta pagar en caso de que se produzca alguno de los daños mencionados anteriormente. El resto del dinero para el material de reparación o reemplazo será proporcionado por la compañía de seguros al límite predeterminado en el contrato.
En la mayoría de los casos, la cobertura de propiedad personal está incluida en el seguro del propietario y protege la reparación o el reemplazo del contenido de la vivienda. Aquí se incluyen muebles, ropa y electrodomésticos. Esta cobertura garantiza del 50% al 75% del valor de los artículos protegidos.
Es aconsejable que los propietarios guarden en un lugar seguro un inventario detallado de sus posesiones, que vayan actualizando en la medida en que adquieran un nuevo bien.

El tercero es la cobertura de subsistencia adicional que consiste en los fondos que recibirá la parte perjudicada y su familia para pagar un alojamiento alternativo cuando el propietario de la propiedad no pueda vivir en el tiempo que están llevando a cabo el trabajo de Reparación. 
El último, y no menos importante, incluido en el seguro de propiedad, es la cobertura de protección de responsabilidad. El propietario está protegido contra reclamos y posibles reclamos por lesiones corporales o daños a la propiedad que cualquier miembro de la familia cause a otras personas o sus bienes materiales.
Una cantidad significativa de cobertura de protección de responsabilidad es que le permite a la persona afectada presentar las facturas médicas a cargo de la compañía de seguros del propietario.
Si el propietario tiene un perro, deben verificar que estén incluidos en la póliza de seguro. Si la mascota agredió a alguien estará protegida.
Aquí hay algunos consejos prácticos que pueden ayudarle cuando compra su póliza de seguro.

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