1 Why is such different prices between companies and others there to ensure the same car?
The reasons are various; trade policy of the companies, needs of billing, accounts ofresults, etc. Each company depending on their needs and interests will be more or less competitive prices.
2. I just bought a car. Even when I it interested in having all-risk insurance?
As enterprises, individuals should make an annual budget of expenses, among theseinclude the cost of the "all risks" insurance, therefore a quantifiable and fixed cost. If we don't have it all-risk, fixed annual cost would be lower, however costs possible variables should provide for the costs of accidents. We must also bear in mind if the car is financed or not. It is important because in this case the risk is double as if you have a total loss and you do not have a car you have to continue paying him.
The time in which compensates for having it insured will depend on the value of thevehicle, of its state of conservation and the economy of each. As a general rule the all risk insurance we should always have it.
3. What are coverages offered on all risk insurance companies the same?
We must assess very well contracted coverage since there are differences between the different insurance companies, some give value to new only one year, paying the market value from it, others extend this period up to two and even enhance it to paying 50% more the third year and 25% the fourth. Therefore there are many factors that influence and you have to study each case.
4 What happens if I pay my car to someone and have an accident? Does my insurance cover it?
You should not pay it without knowing your insurance coverages. As a general rulepossible driver should be more than 27 years and have more than 2 years old in thedriver's license. On the other hand, each safe has various restrictions that it is important to learn to scan. You must advise you well.
5. what coverages are recommended and which are superfluous in auto insurance?
There are no superfluous coverage. There are different needs. It is best to determinewhat are the needs and an insurance broker to advise properly.
6. What is the difference between insurance online or with the company and do it with a broker? I get more expensive?
Differences positive as a time-saving, and make sure that the contracted covers are suitable for my needs. If we talk about price (to the contrary of what is believed) the insurance through brokers tend to be cheaper, because we analyze well the needs of customers and have a wide range of possibilities and greater power of negotiation with insurers.
7 I usually carry my small son in his wheelchair in the car. Are risks covered by the insurance?
Your son is one occupant of the vehicle, so it will covered in their basic risks.
8. What is the "market value" and the "new value"? The difference and who calculates these values?
The market value of a vehicle is the one who has just before having an accident. It isless than the market value. The value is again what it would cost you to buy a car exactly like yours, new.
The difference is basic, is again the value of buying a car at the dealership and the market value is determined by various factors, such as: vehicle type, State of conservation, kilometers, etc.
The brokers have specialized staff to help you get three values: new, market and venal.
9. I like to travel outside Spain with my car. Hedges are kept in all the countries? do need to bring any additional document?
You have compulsory insurance in countries appearing in the list of the green card.For the rest of insurance you must consult your policy or through a broker, not all policies cover outside Spain.
10. If I want to change insurance, I must notify my current company or me simply not renew it?
The insurance contract is regulated by law. This obliges to notify your company two months before the expiration to be able to override it.
