Do you need insurance because your hiring is mandatory or do you want the best insurance because you want to protect yourself against a particular risk?
Carefully analyze the risks to which you are exposed. If you take insurance - leaving aside whether it is mandatory or not - it is because, if something happened to you or your assets, you would be covered and compensated financially in an accident.
Therefore, insurance should not be understood as a further process, if not as the solution to an unforeseen event that can ruin us economically. Thanks to the coverages contracted in the policy in question, we will be exempt from paying all damages and civil liability of those unintentionally provoked.
Below you will find a guide to choose the best insurance according to your needs. We hope you find it useful.
1. Compare offers
The first thing that you must do to contract insurance is to compare coverage and price of different offers, to see which one may interest you the most. With this, do not just stick with the offers of an Internet insurance commemorator, use an insurance brokerage to extend the proposals and can give you a detailed budget.
It detects the risks to which you are exposed and you want to protect yourself in case they occur. That is, if you just bought a flat, do not hesitate to hire insurance that will cover leaks, thefts or a fire. Above all, do not contract a policy with under insurance for wanting to save yourself some eurillos; Insures everything you really do not want to lose or re-pay if you are in an accident.
2. Know all the actors who can intervene in the insurance
Insurance contracts have different figures that can be involved and that you must know. Not only can there be two parts, but many times more actors appear. Here we specify you who can intervene in insurance.
Insurer: the insurer is the entity specialized in insurance, whose activity is to cover certain economic risks to its customers.
Borrower: the ownership of the contract corresponds to this figure, that of the policyholder. He is the one who hires him and therefore has some contractual duties and obligations. These include paying the premium, modifying and voiding the policy.
Insured: is the figure that is covered by the policy, either in a personal capacity as a natural person or their property. The insured is the one who will collect the compensation in case of the insured event. Normally, the insured is the policy taker as well.
Beneficiary: depends on the type of insurance, the policyholder can designate a beneficiary who will be entitled to receive compensation if the insured something happens to him. Typically, the beneficiary figure is in life, accident or financial insurance.
As we mentioned before, in an insurance contract there may exist these three figures represented in a single person. For example, it would be the case of an accident insurance that the same person can become the holder of an accident insurance against a specific risk, have contracted and paid the premium, and if he suffers an accident that invalidates it, will be the beneficiary.
3. Choose the best insurance
There are several types of insurance (auto, motorcycle, home, life, health, ...), but different types of insurance may arise from each type. Although it is exaggerated, we could say that there can be as many policies as people who hire them. Therefore, it is imperative to choose insurance that is appropriate to the actual needs of the insured.
Policy: is the document that certifies the insurance contract between the policyholder and the insurance company. It is a contract that responds to the characteristics of the insured, where they appear the general conditions - of the type of insurance that is - and the particular conditions - with the specific cover contracted.
Coverage are the most important thing to consider when taking out insurance. Remember to look carefully at the risks or risks to which you are exposed and what coverage you are interested in contracting for the compensation to cover the damages.
4. Review the content of the policy
Once you have chosen your insurance and have the policy proposal, read it carefully. Remember that if you have any doubts, you can go to an insurance broker to advise and guide you with professionalism and confidence.
Review the policy taking into account the following aspects:
- Verify that your personal information is correct.
- Review the general clauses and, above all, the individual clauses.
- Verify that the risk and the insured capital are appropriate to your needs.
- Look at the amount of the premium, surcharges, and taxes.
- Be sure to check the maturity of the premium and the method of payment.
- Certifies the start date of the contract and duration. Thus, like, periods of lack.
- When you sign the contract, remember to ask for a copy of the policy.
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