What is temporary Auto Insurance?

Temporary Auto Insurance, as its name indicates, is insurance that allows you to comply with the Law , but in short terms. Temporary auto insurance is useful in situations where you need to insure your vehicle for a short period. For example, when renting a car, borrowing a friend or family member’s vehicle, or when you need additional coverage during a trip or peaceful event.

Temporary Auto Insurance, also known as short-term auto insurance or daily auto insurance, is a type of insurance policy that provides coverage for a specific, limited period of time. 

Unlike traditional auto insurance, which typically lasts for one year, temporary auto insurance allows drivers to insure their vehicle for a short period, such as a day, a week, or a month.

The coverages offered by temporary auto insurance are usually similar to those of standard auto insurance. It includes Civil Liability, coverage for damages to third parties, and, in some cases, coverage for damage to the insured vehicle itself. However, coverage options may vary depending on the insurance company and local regulations.

It is important to note that term auto insurance is generally more expensive per day compared to annual insurance, due to the nature of the short-term coverage. Additionally, not all insurers offer this type of policy, so it is recommended that you research and compare the available options to find the best coverage for your needs.

Features of Temporary Auto Insurance

Temporary auto insurance has several distinctive features compared to regular auto insurance. Some of the most common features of term auto insurance include:

1. Limited duration. Temporary auto insurance provides coverage for a specific, limited period, which can be as short as a day or up to a month. After the term expires, the insurance will no longer be in effect unless it is renewed.
   
2. Flexibility. Temporary auto insurance is flexible in terms of duration and coverage. You will be able to select the exact period during which you need coverage, allowing you to adjust it according to your specific needs.
   
3. Immediate coverage. Temporary auto insurance often offers immediate coverage from the moment the policy is purchased. This means that you will be able to get almost immediate protection, which is useful in situations where coverage is urgently needed.
4. Personalized coverage. Although the duration is limited, drivers can customize coverage to their needs. You can opt for the minimum coverage required by law, such as Civil Liability, or add additional coverage, such as protection against collisions, damage to third parties or comprehensive.
   
5. Variable prices. The cost of temporary auto insurance depends on several factors. Such as the duration of coverage, the type of vehicle insured, the insured’s driving history, and the coverage selected.
   

It is important to note that the exact features of temporary auto insurance may vary depending on the insurance company and local regulations. Therefore, it is recommended that you carefully read the terms and conditions of the policy before purchasing temporary car insurance.

How does temporary Auto Insurance work?

As we told you, temporary Auto Insurance is designed for those who do not use their vehicle so frequently. As well as for a certain part of the population that seeks temporary protection for their car. This may represent a solution for those who go on a trip, or simply to face the risks involved in driving on the streets of our country.

Among the most common characteristics are:

Selection of duration and coverage. If you are interested in obtaining temporary auto insurance you must choose the exact duration of coverage you need. It can be as short as a day or extend up to a few months, depending on the options offered by the insurance company. Additionally, you must select the coverage you want.

Request and quote. Once you have selected the period and coverage, you must apply to the insurer. 

This is usually done by providing personal information, vehicle data and any additional information required. With this information, the insurance company can provide you with an accurate quote for term auto insurance.

Premium payment. If you accept the quote and decide to proceed with temporary auto insurance, you must pay the corresponding premium. Premium may vary depending on factors such as length of coverage, vehicle type, driving history, and coverage selected.

Termination of coverage. Upon reaching the end of the selected coverage period, the auto insurance policy temporarily expires and no longer provides protection. If you need to extend coverage, you will need to contact your insurance company to explore renewal options or purchase a new temporary policy if necessary.

What does temporary Auto Insurance cover?

Temporary auto insurance can offer a variety of coverages that are similar to standard auto insurance. These are some of the most common coverages that might be available in auto insurance for a while. It is important to note that availability and exact details may vary depending on the insurance company and local regulations:

• Civil Liability. This coverage is mandatory in most places and covers bodily and/or material damage that a driver causes to third parties in an accident. It includes medical expenses, property damage and possible legal claims.
• Damage to third parties. This coverage focuses on material damage caused to the vehicles or properties of third parties. Covers the costs of repairing or replacing property damaged due to an accident for which you are responsible.
• Collision. This coverage protects your vehicle in the event of damage caused by a collision with another vehicle or object, whether moving or stationary. It can cover the cost of repairing the insured vehicle, its replacement, or the cash value of the vehicle in the event of a total loss.
• Theft and vandalism. Protects against theft of the insured vehicle and damage caused by acts of vandalism. In the event of theft, compensation for the value of the vehicle or its recovery can be provided if possible.
• Own damage (comprehensive). This comprehensive coverage covers a wide range of events, such as fire, flood, vandalism, theft, broken glass, and other non-collision related damages. Provides protection against vehicle damage, even when you are responsible for the incident.

Benefits of hiring temporary Auto Insurance

Taking out temporary car insurance can offer you various benefits. This depends on your individual needs and circumstances. We tell you about some benefits associated with this type of insurance:

Cost savings. If you only need insurance for a short period, taking out car insurance for a period may be cheaper compared to an annual insurance policy. You will only pay for the period you need, thus avoiding the costs associated with full annual insurance.

Additional protection. Temporary auto insurance gives you the opportunity to get additional protection when necessary. If you have an existing auto insurance policy but need extra coverage during a specific trip or event, you can supplement your existing insurance with term insurance for more complete protection during that period.

Easy and quick to acquire. In general, applying for and issuing auto insurance of this type is quick and simple. You can get quotes online, complete the application and make your premium payment in no time. This is especially useful when you need immediate coverage, such as when you rent a car last minute.

It does not affect your existing insurance policy. If you have current annual auto insurance, purchasing temporary auto insurance will not affect your existing policy or your accumulated discounts. It’s a way to insure an additional vehicle or add temporary coverage without altering your primary insurance.

It’s important to know that benefits may vary depending on the insurance company and local regulations. When considering car insurance of this type, it is advisable to compare different options, carefully read the terms and conditions of the policy and make sure it suits your individual needs and circumstances.

What insurers offer temporary Auto Insurance in Mexico?

Car insurance of this type can be an option when your conditions, needs and routine adapt to the benefits you require. For this reason, some insurers have chosen to cover these user needs. Although, not all companies have this service. Currently, the insurers that have this type of policy are:

• AXA Insurance. This company has an extensive insurance plan; It can be for days, weeks or even a month. Coverage of medical expenses, road and legal assistance is included. In addition, you can be covered for up to 28 days in Civil Liability and damages to the insured car.
• Mapfre. This insurer also has temporary insurance, although for tourists. If this is your case, you can choose between the various coverages for the time you require.
• ANA Insurance. It has coverage for cars, trucks and motorcycles. Likewise, you have the option of insuring the car no matter what type of car it is. You will be protected against material damage, total or partial theft, medical expenses, among others.

It is important that you know that each insurer has its own requirements and contracting conditions. Therefore, it is important that you resolve your doubts before making any contract, this will allow you to better understand how your car insurance works.

Auto Insurance Policy: how does it work?

There are multiple ways to protect your vehicle, and one of them is through insurance. According to legislation, drivers must have a valid auto insurance policy to be able to travel on the roads of Mexico.

An auto insurance policy is a contract between an insured and an insurance company that states that the insurance company will provide financial coverage in the event that the insured vehicle is damaged or involved in an accident.

An auto insurance policy typically covers medical expenses and property damage resulting from a car accident. It can also cover other events, such as theft, fire, and vandalism. The type of coverage varies depending on the policy and the state in which the insured is located.

Auto insurance policies can include different types of coverage, such as liability, which covers damage caused to other people or property in an accident, or collision coverage, which covers damage to the insured vehicle in the event of a crash. Policyholders can customize their policy to fit their needs and budget.

What is the car insurance policy?

The policy is a document that we must understand to make it effective in the event of an accident. According to Nationwide Mutual Insurance Company, it is distinguished by being a contract between the user and the insurance company where the rights and obligations of both are established, in relation to the insurance contracted.

In it you can see the coverage, validity and data of the car. Since, based on what is described, you will be able to make use of each of the benefits it offers you. Your policy must be made up of:

• General conditions, indicate the coverage, exclusions and basic obligations of the client and the insurer.
• Specific conditions, the coverage considered in your policy and its limits are specified.

How does an auto insurance policy work?

The insured purchases an auto insurance policy from an insurance company. The price of the policy will depend on the level of coverage the insured chooses , as well as other factors, such as their driving history, the type of vehicle they own, and geographic location.

If the insured is involved in a car accident or experiences some other type of event covered by their policy, they must file a claim with their insurance company. This may involve filling out a claim form and providing evidence, such as photographs of the damage or police reports.

The insurance company reviews the claim and determines whether the event is covered by the insured’s policy. If so, the insurance company will pay covered expenses , such as medical costs and property damage, up to the coverage limit stated in the policy.

In some cases, the insurance company may work directly with service providers, such as auto repair shops or healthcare providers, to pay the insured’s claims.

It is important to note that the details of how an auto insurance policy works can vary depending on the insurance company and the specific policy. Insureds should read their insurance policy carefully to understand their coverage and specific claims procedures.

How do I know my car insurance policy?

If you want to know what type of car insurance policy you have, you can directly access the page of the Mexican Association of Insurance Institutions (AMIS) and just add the serial number or NIV and it will give you all the details of your insurance.

Types of insurance policy

In Mexico, there are various types of insurance policies according to the needs you want to cover and protect. Every time you take out insurance they must give you your policy. Therefore, the ones you can find are:

• Home Policy.
• Life and Savings Policy.
• Auto policy.
• Major Medical Expense Insurance Policy.
• Policy for companies.
• Fleet policy.
• Pet policy.

Coverage in an Auto Insurance Policy

The most common coverages in auto insurance are:

Broad: they cover you against all eventualities such as unit theft, property damage to your own and others, medical expenses, occupants, and legal support, to name a few.

Limited: it is the same as broad, but the material damage caused to your vehicle is omitted. That is, here you pay the repair costs of your vehicle.

Civil Liability: this is practically the most common, it specifically covers material damage to third parties and medical expenses of the vehicle with which you were hit.

Special: there is a fourth option which is Premium or special coverage, these are the most expensive and offer you unique benefits such as a unit loan, greater monetary coverage for benefits in theft and material damage, etc.

Advantages of having car insurance:

Have support: The policy issued to you by the insurer will cover basic or specific aspects according to the coverage. The insurance company will support you and provide you with all the attention you need, even if it affects third parties.

Protect your assets: By insuring your car you guarantee that in the event of theft or total loss, you will be able to recover a significant percentage of the value of your vehicle. It doesn’t matter if your car is new or used, if you have already paid for it or acquired a loan, there is no doubt that it is an investment that you cannot miss.

Have support for medical expenses: In the event of an accident that causes injuries to you or your companions, medical expenses are covered by the insurance company.

Road assistance included: If you need road assistance due to changing tires, breaking down, passing power, and sending gasoline, you will have tow truck service in emergencies and you will not have to pay anything, since it is included in your insurance.

Legal defense and legal advice: By taking out your Auto Insurance you will forget about legal issues; Your insurer will assign you expert support in the event of legal assistance for an accident with your car.

Aspects within your car insurance policy

Insurance policies include coverage such as:

Civil liability: protects the driver from any liability he or she may have in the event of a traffic accident in which he or she is responsible.

Third-Party Damage: Protects the driver from the cost of repairing any damage to another person’s property caused in an accident for which he or she is at fault.

Driver Property Damage: Protects the driver from the cost of repairing any damage to his or her vehicle in the event of an accident in which he or she is at fault.

Personal injuries: covers medical and rehabilitation expenses in the event of injuries sustained in a traffic accident.

Collision: Covers the costs of repairing the driver’s vehicle in the event of a collision, regardless of who is at fault for the accident.

Theft: Covers the cost of replacing the vehicle if it is stolen.

Fire: Covers the cost of replacing the vehicle if it catches fire.

It is important to keep in mind that policies may vary depending on the insurer, so it is advisable to carefully read the terms and conditions of the policy before purchasing it.

Features of an auto insurance policy

Some of the features of an auto insurance policy may include:

Coverage and limits: The policy must include detailed information about the coverage offered and the limits of each of them. Coverages may include civil liability, collision coverage, third party damage coverage, personal injury coverage, among others.

Deductible: The policy may include a deductible, which is an amount that the insured must pay out of pocket before the insurance will cover the rest of the cost of the repair.

Validity period: The policy will include the duration of the coverage period , which is usually annual. It is important to renew the policy before it expires to maintain continuity of coverage.

Premiums: The policy must include the cost of the premium that the insured must pay for the insurance. Premiums can vary depending on several factors, such as the driver’s age, vehicle type, driving history, etc.

Conditions and exclusions: The policy must include the conditions that the insured must meet for the insurance to be effective, as well as the exclusions that apply in certain situations.

Other important factors

Claim procedures: The policy must include the procedures that the insured must follow in the event of filing a claim , as well as the deadlines that must be respected.

Roadside assistance: Some policies may include roadside assistance, such as towing in case of breakdown, tire changing service, etc.

Customer Service: The policy should include contact information for the insurance company so that the insured can contact it if they need assistance or have questions or problems related to their policy.

It is important to carefully read the features of the auto insurance policy before purchasing it to ensure that you understand all the conditions and terms of the policy.

How do you take out a car insurance policy?

If you think that taking out insurance is a tedious, bureaucratic process full of documentation, you are living in the past. Thanks to the use of the Internet and the changes in our lives due to the global pandemic, more practical and useful tools have emerged to find and take out an insurance policy, without having to leave home.

Now you can take out insurance from home through an online insurance comparator that allows you to access the information necessary to compare, analyze, select, and contract an insurance policy with a reliable nationwide insurance company.

When it comes to protecting your automotive assets, it’s essential to make a smart decision that gives you peace of mind behind the wheel. That is why by quoting insurance with AXA , Seguro Quálitas , GNP Seguro de Auto , Cotizar Seguro Mapfre , Seguro de Auto Chubb and other prominent insurers in Mexico, you will be able to access a wide range of options for your auto insurance.

Although you can find a wide variety of insurance companies and products on the Internet, not all of them are reliable. The task of an insurance comparator is to offer you protection and confidence by presenting you with the best insurance options for your safety and economy.

At SeguroInteligente.mx we are an online insurance comparator where you can quote your insurance as follows:

1. Enter the website:  https://segurointeligente.mx/
2. Select the insurance or coverage you are looking for from the menu. 
3. Fill out the form specifying your requirements and needs. 
4. Wait for one of our specialized advisors to contact you. 
5. Ready! 

Key concepts of your car insurance policy

When purchasing your insurance it is important that you know the terms of each part of your contract.

Coverage

It is the protection commitment contracted by the user and that the insurer guarantees to the client.

The specific coverage to which extent the insurer will respond, that is, whether the insurance will cover the client in the event of total or partial theft, material damage, accidents, or legal assistance, among others.

Coverage is usually divided into packages and the most common are:  extensive, limited, and basic.

Comprehensive coverage generally includes all types of coverage,  limited is lower than comprehensive because it excludes property damage coverage. And the basic only includes basic coverage, it does not include material damage or vehicle theft.

Although these coverages may vary according to each insurer, they are generally handled that way.

General conditions

In this section you will be able to find out how the insurer’s response will be in the event of an incident, you will also know the limitations.  

This document defines the risks and coverage included in the contract that both the insurer and the client must comply with.

Coinsurance

It is represented by a percentage that defines the sum that the insured must cover for the expenses of each claim. Once covered, the insurer will pay the remaining costs.

Insurers have defined a coinsurance limit with a maximum amount that you must pay for the concept.

Deductible 

It is a fixed sum established by the insured for the first covered expenses.  This is applied once a year.   

The percentage is established in the insurance contract, it is usually found in the terms of your policy.

An example of deductibles is 5%, in case of property damage. This means that the insured must cover % of the total cost of repairing their vehicle.

Cousin

This is the price of the insurance, for the coverage package that the client wishes to contract.

This risk is determined by the insurer by evaluating factors such as gender, age, address, characteristics of the car, and incidences of previous accidents.

Other key terms

Sum assured

It is the maximum sum that the insurer undertakes to pay to the insured, this is established in the policy.

Its value can be determined by the commercial value of the car at the time of an incident or repair costs.

Civil Liability

Minimum coverage that the insured can contract, covers damages caused by the insured to third parties to their persons or material property.

Generally, any basic coverage package includes this type of liability in its general conditions.

Risk

It is an unforeseen event for which coverage is contracted;  insurers generally calculate it based on the demographic data of the insured.

Knowing these terms will also help you when purchasing insurance to evaluate the service and coverage so that you know which company is best for you.

Benefits of knowing your car insurance policy :

Having knowledge of your policy allows you to use it as necessary in times of emergency or to cancel it in time. The main benefits of knowing what it consists of:

• Protection of your car in any situation.
• Car maintenance.
• Safety when driving without worries.
• You can make it effective in any problem.
• You know the expiration date for insurance renewal.
• You have advice from agents.

What doesn’t your Auto insurance cover?

These are the exclusions that your car insurance does not cover:

1. Coverage that you have not contracted and that is not specified in your policy. 

2. Damage suffered or caused by the car when it is driven by a person who does not have the appropriate driver’s license to drive the vehicle.  

3. Loss or damage caused directly or indirectly by war operations or acts of terrorism. 

4. Damage suffered or caused by your car due to overloading or excessive traction about its resistance, capacity or number of occupants.

5. Damage suffered by the occupants and that results in civil liability, criminal liability or professional risks.

What are the general conditions of an Auto Insurance policy?

The general conditions of an auto insurance policy may vary depending on the insurer. However, below are some of the general conditions that are usually included in an auto insurance policy:

Definitions: The policy should include definitions of key terms used in the policy , such as “accident,” “driver,” “insured vehicle,” etc.

Purpose of insurance: The policy must indicate the purpose of insurance, that is, what is covered by the policy.

Coverage: The policy must indicate the coverages included in the insurance, as well as the exclusions and limitations of each coverage.

Premium: The policy must indicate the premium, that is, the cost that the insured must pay for the insurance.

Coverage period: The policy must indicate the coverage period, that is, the time during which the insurance is in force.

Conditions for coverage: The policy must indicate the conditions that must be met for the coverage to be effective , such as the obligation to notify the insurance company in the event of an accident, proper maintenance of the insured vehicle, etc.

Procedures for submitting a claim: The policy must indicate the procedures that must be followed to submit a claim , including the deadlines that must be respected.

Obligations of the insured: The policy must indicate the obligations that the insured has in relation to the insurance, such as the obligation to provide accurate information, the obligation to notify the insurance company in case of changes in relevant information, etc.

It is important to carefully read the general conditions of the auto insurance policy before purchasing it and, if in doubt, consult with the insurance provider.

What determines the price of an auto insurance policy?

The price of an auto insurance policy can vary significantly depending on several factors, including:

Type of Coverage: The type of coverage chosen, such as liability, collision coverage, theft coverage, etc., will affect the price of the policy.

Vehicle value: The value of the insured vehicle is also an important factor in determining the price of the policy. More expensive vehicles typically have higher insurance premiums.

Age of driver: Younger drivers typically pay higher insurance premiums than more experienced drivers, because young drivers have less experience and are therefore more likely to get into traffic accidents.

Driving History: The insured’s driving history, including any traffic violations or previous accidents, also affects the price of the policy. Drivers with clean driving records typically pay lower insurance premiums.

Zip Code: The geographical location of the insured can also affect the price of the policy, as areas with higher rates of auto theft or traffic accidents may have higher insurance premiums.

Use of the vehicle: The use of the vehicle, such as annual mileage and whether it is used for business or personal purposes, also affects the price of the policy.

Additional Coverages: Additional coverages that are chosen, such as glass coverage, personal injury coverage, etc., may also increase the price of the policy.

It is important to compare different insurance options and providers to find the policy that best suits the policyholder’s needs and budget.

What advantages does having Auto Insurance give you?  

1. Have a backup: The policy issued to you by the insurer will cover basic or specific aspects according to the coverage. The insurance company will support you and provide you with all the attention you need, even if it affects third parties. 

2. Protect your assets: By insuring your car you guarantee that in the event of theft or total loss, you will be able to recover a significant percentage of the value of your vehicle. It doesn’t matter if your car is new or used, if you have already paid for it or acquired a loan, there is no doubt that it is an investment that you cannot miss. 

3. Have support for medical expenses: In the event of an accident that causes injuries to you or 

your companions, medical expenses are covered by the insurance company. 

4. Road assistance included: If you need road assistance due to changing tires, breaking down, passing power and sending gasoline, you will have emergency tow truck service and you will not have to pay anything, since it is included in your insurance. 

5. Legal defense and legal advice: By taking out your Auto Insurance you will forget about legal issues; Your insurer will assign you expert support in the event of legal assistance for an accident with your car. 

What invalidates car insurance?

Having car insurance gives you the security of being able to drive without worrying about possible incidents that may happen on public roads.

In Mexico, since 2019 it has been mandatory to have car insurance when driving on the streets of the city or on trips you take throughout the Republic. 

If you suffer an accident and are not insured, you will have to pay for the damages caused and a fine for not having insurance.

How does car insurance apply?

Car insurance has the function of being a contract that the owner makes with an insurer. This type of policy represents protection for you as well as your vehicle and money. It is a financial solution to compensate physical and material damages caused by road accidents.

You can use your insurance in case you suffer an accident while driving on the road or in a city. But, you must keep in mind that sometimes your insurance cannot be made valid or it may be canceled.

Therefore, it is important that you know the types of benefits that exist and hire the one that best suits your needs and budget.

Types of car insurance

Car insurance protects you against possible road assistance such as tow truck assistance, changing tires, power supply and gasoline service. If you have an accident, you are covered for the payment of medical expenses suffered by any person occupying the car.

The most common coverages in auto insurance are:

Broad: they cover you against all eventualities such as car theft, property damage to yourself and others, medical expenses for occupants, legal support, to name a few.

Limited: it is the same as broad, but the material damage caused to your vehicle is omitted. That is, here you pay the repair costs of your car.

Civil Liability: it is the most common, it specifically covers material damage to third parties and medical expenses of the vehicle with which you were hit.

Special: there is a fourth option which is Premium or special coverage, these are the most expensive and offer you unique benefits such as a unit loan, greater monetary coverage for benefits in theft, material damage, among others.

When is car insurance invalidated?

You must take into account that insurance gives you protection against possible incidents that we encounter in our daily lives. However, there are situations where the benefits you have purchased cannot be valid and the insurance does not take care of the damages.

This applies to the following mishaps:

• Failure to pay premiums on time. It is very important to pay your policy to be prepared and use it in the event of an accident.
• Another use for the car. It is important that before purchasing your insurance you know what use you will give the car. Since, in the event of an accident and the car does not comply with the standards established at the beginning, the policy is canceled.
• False information. Providing incorrect information when purchasing your policy may be voided. Also, applicable for modifications to the car or relevant factors, the coverage is canceled.
• Vehicle transfer. If you sell the car or transfer the car, the insurer must be notified and the policy will be invalidated.
• Driving under the influence of drugs or alcohol. Yes, you drive while intoxicated or with drugs in your system, there is damage from the accident caused, your coverage is invalidated. You will be responsible for the expenses generated.

In what cases does auto insurance not apply?

Knowing your car insurance is very important so that you are not surprised in the event of an accident. Below, we give you some reasons why your policy does not apply:

• Coverage that you do not have and that is not specified in your policy.
• Damage suffered or caused by the car when it is driven by a person who does not have the appropriate driver’s license to drive the vehicle. 
• Loss or damage caused directly or indirectly by war operations or acts of terrorism.
• Damage suffered or caused by your car due to overloading or excessive traction in relation to its resistance, capacity or number of occupants.
• Damage suffered by the occupants and that results in civil liability , criminal liability or professional risks.

Auto insurance exclusions

There are situations in which car insurance has exclusions and you cannot make it valid in the event of an accident. It is very important that you have full knowledge of its characteristics. They apply in case of:

• You do not have a driver’s license when an accident occurs.
• Alter the evidence of the accident in which you have been involved.
• If you walk away from the incident, it may invalidate your car insurance.
• Traveling on prohibited roads.
• Intentional damage to collect compensation.
• Excess load and affects the optimal operation of the car.
• In the event of an accident you change the driver.

Know your insurance policy

Based on what you have chosen to have your insurance and have it in your policy, it is very important to know certain points to consider so that you can make your policy effective without complications.

Therefore, you must know important terms that are included in your contract:

Coinsurance

It is represented by a percentage which defines the sum that the user must cover for the expenses of each claim. Once covered, the insurer will pay the remaining expenses.

The insurer has defined a coinsurance limit with a maximum amount that you must pay for the concept.

Sum assured

It is the maximum sum that the insurer undertakes to pay to the user, this is established in the policy. Its value can be determined by the commercial value of the car at the time of an incident or repair costs.

Deductible

It is a fixed sum established by the insured for the first covered expenses. This is applied once a year. The deductible percentage is given in the insurance contract, usually found in the terms of your policy.

Cousin

This is the price of the insurance, for the coverage package that the client wishes to contract. The risk is agreed upon by the insurer by evaluating points such as gender, age, address, characteristics of the car and incidences of previous accidents.

General policy conditions

In this section you will be able to find out how the insurer’s response will be in the event of an incident, as well as its limitations. This document defines the risks and benefits that the contract includes and that both the insurer and the client must comply with.

Risk

It is an unforeseen event for which coverage is contracted; insurers generally calculate it based on customer demographic data. Knowing these terms will also help you when purchasing insurance to evaluate the service and benefits so that you know which company is best for you.

Insurers with broad coverage

You can get your car insurance with comprehensive coverage to provide you with particular benefits without having to worry about any accident. The main insurers you can find are:

• AXA Insurance.
• GNP Insurance.
• Quálitas.
• Chubb.
• HDI Insurance.
• MAPFRE.

Get the best option

How to get your car insurance? It’s very simple, you just have to enter your information in the form and in a few minutes an agent will contact you to explain in detail how your policy would work.