Nine tips to buy the car insurance.

Nine tips to buy the car insurance.

When buying insurance for your car, consider the following tips. Remember that not only does the price matter, but also the coverages you have and the insurance company that sells it to you.

Voluntary insurance, commonly called "Against all Risks", is very different from the SOAT or compulsory insurance for every vehicle owner.

The following tips will be very helpful in choosing a car insurance.

1. At the time of acquiring insurance, the most important thing is not always the price. But not being insured can be expensive. Many people, after a robbery or total loss of damage, have also lost their life savings or become indebted for not having a voluntary insurance for their car.

2. Analyze the coverages. The market offers policies for all necessities and pockets, there are insurance that cover the theft of accessories, such as: rims, mirrors, rims, objects left inside the vehicle, etc.


3. It is important to determine whether the civil liability you provide fits your needs. Insurance is key when you can be civilly responsible for causing injury or the death of a third party in a mishap on the tracks. For these cases, the policy includes coverage of civil liability, the most important for any owner.

4. Be aware that the safety is in your particular case, i.e. type and use of the vehicle. Not always a standard policy is what we need. In any case, keep in mind that risks such as traffic accidents or car theft are constant threats to vehicle owners and, in this scenario, car insurance emerge as an effective alternative to cope These situations.

5. Analyze the types of risks you are exposed to and the experience you have as a driver, that also depends on the type of coverage required. The number of coverages you request will also depend on the price of the insurance.

6. It is important to analyze the additional services offered by the insurer and if these are important to you. Such is the case of assistance, inspection centres, Allied workshops, chosen driver and alliances, among others.


7. The insurer must provide you with an immediate line of care that supports 24 hours, 7 days a week in case of loss.

8. Compare deductibles. Some companies offer the advantage of not decota this value (close to 10%) in case, for example of theft or total loss for damage. "Total loss is determined when numerically the value of the repair, i.e. labor, spare parts, and their respective taxes, have a value equal to or greater than 75% of the commercial value of the vehicle," explains a Colpatria insurance expert.

9. To choose an ideal insurance for each case, it is better to take time, compare and advise an insurance expert.

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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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How to secure your used car

How to secure your used car

As we know, buying a new car implies a big investment and not all of them have the money to buy an agency car, so we resorted to buying a used car.

After changes in transit regulations in several countries of the world, having auto insurance has become compulsory, so buying a used car does not exempt you from securing it. If you don't know how to secure a used car, here we tell you.

Examine the general condition of the vehicle and handle it: even a short section, which is usually done in the company of the unit owner.

Advantages
No depreciation of the car
You save a lot of money when you buy it
Auto insurance is cheaper
You find a lot of models
If you choose a popular car model, it's easier to find auto parts
If you buy a refurbished agency car, some dealerships give you warranty.

Disadvantages
A mechanic should check the car
Risk of the car being hit
You are more likely to spend on repairs and maintenance
If you buy a discontinued car, finding original parts can be a challenge
Risk of the car not being manufactured in your country
Risk of the car having a robbery report.

Buying a luxury used car can cost you from 50% to 70% less than its initial value while older, the harder it will be to find the car.

Check for major damage: Take the car to your confidence workshop for a general review. Especially ask that they check if there are possible leaks of fluids that can affect the engine, observes the smoke that comes out of the exhaust, verifies that there are no blows below the bodywork and especially those that may have affected vital parts.

Confirm that the serial numbers appearing on the motor, bodywork and chassis are matched against those of the original invoice.

Internet: There are pages where you can see and compare different cars and contact the buyer.

Tianguis de Autos: Going to these places is not very advisable because you can not know the origin of the vehicle or you do not have so many guarantees, but if it is your only option, avoid the purchase by impulse; Even if it looks like an irresistible offer, don't pay anything without checking the car and seller's background.

Through a known: if a family member or friend is selling his car is easier to make the purchase because you have seen the handling and care you have had with your car, however, the drawback of this transaction is that the person does not have a fiscal domicile,  It does not give you any guarantee or sometimes you do not sign a purchase-sale contract.

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How to secure your home.

How to secure your home

Insurance is a contract whereby a person pays a specialized company a certain amount of money in exchange for compensation in the event of a risk situation. Insurance companies offer various kinds of policies that can be gathered in two large groups: personal and patrimonial. The first ones cover the physical integrity of the insured such as life, disability or retirement. The second group covers irrigation related to the assets of the insured such as robbery, flooding and fire. Many families are unaware of the benefits and aid that can be obtained by securing a home.
This company offers the safe home policy, which includes coverage in three parameters: family, home and vehicle. The home policy refers to housing and contains coverage in cases of fire, earthquake, collapse, rain, flooding, falling trees, among others.

The values handled by certain insurance policies are as follows: Earthquake, quake, collapse and volcanic eruption: 2% of the insured value, with a minimum of USD 500; Rainfall and flooding, 1% of the insured value, minimum USD 350; Glass breakage, 10% of the loss value, minimum USD 80; Other events, 10% of the loss value, minimum USD 175. All the values handled are yearly. This company also has insurance against robbery and/or assault. The cost is 10% of the claim's value, with a minimum of USD 200. It also has electronic equipment insurance and its cost is 10% of the loss value, minimum USD 200 per year, an insurance policy covers all unforeseen or sudden facts affecting a home.

The type of policy in case of natural disasters or fires is similar to insurance there is a contract in case of theft of the real estate, except the subtraction of cash, jewels and works of art. The value of the annual fire rate in the furniture market is variable. However, the index is, on average, 2.20 by 1 000. That is, if a house costs USD 100 000 The value you pay for fire is USD 220 annually. The robbery is 1.20 for 1 000. If a home is secured in USD 10 000, you must pay USD 120 annually.
How to get a home policy The interested party must go to the insurance company and request the information. The years of construction, the terrain area and the site where it is located are three of the parameters that are taken into account. The policies do not cover structural damage. This kind of injury is a civil liability of the builder. The landlord has the right to claim the professional, who, in turn, should reverse the housing damage. And how can we protect the communal equipment, which is so necessary and so susceptible to damage of varying magnitude? For that is the supplementary policy called ' Machinery break '. For a percentage that goes from 1 to 3 for 1 000 (depending on the state of the property), the condominiums have insured the cisterns, the elevators, the Transformers, the gardens and even the swings where the children play. Variety of Insurance The Horizontal property law requires shared insurance. The fire policy is the most required, although there are additional machinery breakage...   ' Civil liability ' insurance protects against eventual actions such as the theft of pictures or accidents such as the fall of a brick when it passes through a construction...

This content was originally published by Diario EL COMERCIO at the following address: http://www.elcomercio.com/tendencias/construir/asegurar-bienes-e-inmuebles.html

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