Foorty Movie Review Blog: Insurance

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Buy car insurance online or choosing is the most important decision

To buy car insurance online you should be obtaining a driving license. Having bought or inherited a vehicle the law requires driving with car insurance even if we do not have one in the property.

It is a recurring question in the test of the theoretical test of driving of our driving school. We can not rent a vehicle without insurance. In practice, we are ensuring the car, the people who occupy it and other possible victims in case of an accident.

In the market, there are multiple insurance companies that offer different policies depending on the characteristics of the vehicle, the profile of the driver and the coverage that they want to hire. Renew driver who has just removed the car license must, on the other hand, deal with other clauses relating to his condition.

What determines the premium of a car insurance?

There are a number of variables that determine the annual price to buy car insurance:

Variables according to the vehicle:

Vehicle age. The insurance of a used car will be more expensive than the one of a new one.
Model of the vehicle. It influences the brand, the model and the series since the insurers study the sensibility in each case.
Type of vehicle. Influences if it is a high, medium or low range. The greater the range, the more expensive the repairs and the more expensive the insurance.
Extras of the vehicle. Not only do they increase the purchase price of the vehicle, but also its insurance since replacing or repairing them is an added cost.
Parking place. If the car has a parking space in a garage will be more protected, compared to another that is always parked on the street.

Variables according to the driver:

Age. Younger drivers who just got their driver's license pay more for their car insurance given their inexperience. The older ones have more experience, but may be harmed by their possible loss of reflexes.
Age of driving license. On the other hand, the experience as a driver is valued positively.
Driving history. According to the infractions committed, the accumulated losses and the points that we have in the driving license we will pay more or less for the insurance.
Place of residence. Some cities have higher accident rates, which can influence the car insurance premium of anyone who lives in them.
Commercials, for example, are more likely to have an accident.

Variables by coverage:

Basic third party insurance. This is compulsory liability insurance. It is the minimum coverage required by law. Covers damage to third parties in case of an accident, in addition to the driver and the vehicle. However, it has limitations as to the amounts covered by the insurer and the context in which the loss occurs. At the beginning of the year came into force the new law for the assessment of damages caused to people in traffic accidents.

Extended third party insurance. It is the basic insurance to third parties with the option of including more coverage such as the breaking of windows or other options that make the insurers available.

Full insurance. It is the complete insurance but also the most expensive.

Full insurance plus franchise. It includes the same coverage as the full risk insurance but the contractor participates in the financing of the expenses up to a certain amount in case of loss. Exceeded that figure is the company that takes over. With this modality, all-risk insurance is cheaper.

What car insurance to choose?

Each insurance company gives a value to each variable. This is the cause of the different price fluctuations between insurers in relation to a premium with the same characteristics. The key is to have clear our needs to be able to contrast various budgets. Online insurance comparators such as Rastreator or Success facilitate this task.

On the other hand, with several insurers, so that they can send us several car insurance deals to choose the one that best.

In general, dog insurance takes care of all or part of the expenses related to the medical treatments of which your dog.

So, before deciding to take out a dog cover, you have to know beforehand what it is not able to cover so as not to be mistaken about certain formulas and to clarify your Insurance of your pet.

The exclusions of dog insurance

The insurance company does not take into account the management of animals suffering from chronic, hereditary or congenital diseases. There are also diseases that are called defects and are not covered by dog insurance. On the other hand, the owner will himself be involved in small-scale surgical operations and presenting only a small emergency to the company covering his animal such as castration or tearing of his milk teeth.

What about diseases transmitted during breeding?

Assuming that your dog has behavioral problems, it should be noted that the care will not be covered by the insurer. Moreover, for the afflictions suffered by the dog as a result of poor living conditions in the place where the dog was raised, such as injuries resulting from organized combat, they are also not covered By the company. The same is true for the diagnosis, balance sheets and various deworming treatments of the dog (roundworms, tapeworms, hookworms, and worms).

What about aesthetic care?

Regarding expenses related to the grooming and bathing of his dog, it is up to the owner alone to fulfill it because this is not offered in the guarantees of the contract. It is the same for the scaling and cleaning of teeth and also for the external deworming of our companions on all fours (fleas, lice, ticks). Again in this context, it is not the insurer's responsibility to deal with surgical care related to the aesthetics of the animal, such as ears, for example, the Stronger animal such as vitamins, minerals, special foods as well as food supplements.

It is therefore advisable to acquire the information concerning the exclusions and the clauses put forward in the contract before subscribing to a pet insurance in this case for dogs and cats.

To help you find cheap dog insurance, make use of an online insurance comparator that will guide you to an insurance that meets your expectations whether it is the needs of your pet or in connection with your means.

Every day we expose ourselves to many risks without knowing when they will appear. Which is why we need to be sure of what may happen.

It is inherent in the human being to want stability and security. That is where insurance comes into play, as it allows us to be compensated for the economic consequences of a loss.

Who is involved in insurance, as in any contract, there are different types of people? Not only can there be two parties to the agreement, but more often than not there are more figures. The insurance buyer - called the policyholder - goes to the insurer - which is usually an insurance or insurer - to hire and pay for it. The insurer assumes the risk in question and therefore charges a premium or fee. So far all normal. But there are two types of figures that can intervene in insurance: the insured and the beneficiary.

The insured is the person who is exposed to the risk and that the rights of the contract corresponding to receiving the compensation. The policyholder may have contracted insurance to a prospective person to cover a risk.

But there may still be another type of profile that is part of the insurance, the beneficiary. This is designated by the policyholder to receive the compensation agreed in the contract. The beneficiary usually has a personal or economic link with the policyholder or the insured, although there may also be no such link. An example is found in life insurance since the death of the insured causes the beneficiary to be the one who covers the compensation.

As you can see, two or more people come into play in the insurance contract. The policyholder, the insured and the beneficiary of the insurance may be the same person or three different persons.

Insurance under the Law

Do you want us to be more serious and comprehensive in the definition? As the Insurance Contract Law in its article 1 says that an insurance is: "that contract for which the insurer is bound by the collection of a premium and in the event that the event whose risk is covered, To indemnify, within the agreed limits, the damage caused by the insured, or to satisfy, within the agreed limits, the damage to the insured, or to satisfy a capital, an income or other agreed benefits.

What is a policy?

A policy is a document that certifies the insurance contracted between the policyholder and the insurer. It is a unique contract for each of the insured where the general conditions and the particular conditions appear.

The general conditions are the same for all insurances of the same branch. Usually include the extent and purpose of insurance, risks that are excluded, payment of compensation, obligations, and duties of the parties.

In the case of the particular conditions, and as it supposes, are those specific aspects of each policy with the special conditioners and that will differentiate them from the rest. Therefore, there may be many different policies, everything will depend on the needs of the contractor. For example personal data, the risk to be insured, premium payable, specific coverage.

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.

At present, there are so many insurance and car insurance that, at the time of choosing the policy, it is difficult to hit the right option.

There are times when the choice, almost always the most economical, is not the most convenient, but one only realizes it after suffering a loss. So that you do not have to regret the decision taken and be calm with the contracted option, it is important to analyze a number of aspects of the proposal before signing.

When we buy a vehicle, one of the main expenses that we must face is the hiring of compulsory insurance required by law. Many companies, prices and types of coverage make each customer have to seriously consider doing a previous study of what each policy offers or use a comparator to tell you where the best deals for the vehicle purchased.

But what really needs to be taken into account are the determining factors that make insurance prices vary, among which are the driver's personal characteristics, the age of the driver's license and the type of vehicle as well as its characteristics.

Make a good comparison

The first thing to do before making a decision is to make a good comparison between the different options offered by insurers. For this, the first decision to be to not be impressed by the cheapest car insurance. Price is not the only pattern of comparison; You have to look carefully at the price-quality ratio of the coverages offered.

For this, it is advisable to use a car insurance comparator and know the different options that exist in the market. In addition to the price should be taken into account that the comparator includes a detailed analysis of the different coverage and services provided by each insurer.

Choose the one that best suits the vehicle to be insured. If it is a new or high-end vehicle, it is advisable to opt for an all-risk policy; If it is an old car that, in the event of an accident, will probably declare it a total loss, a civil liability policy may suffice.

Currently, many insurers allow you to create a personalized policy so it is relatively easy to hire the coverages that are really needed.

Evaluate the possibility of hiring a franchise. The best thing to do is hire it for your own damages since the insurance premiums will decrease ostensibly and will not affect the bonuses for non-loss, which will represent a further saving.

It is important to communicate with the insurer. Even without physical offices, such as online insurers, they need to have an infrastructure that allows them to respond quickly to phone calls or emails.

Once the company is decided

When, after choosing the company, the contract that insurer our vehicle is signed, it is necessary to read carefully the policy in which the clauses for which the insurance has been chosen must be explained, clearly and in detail, especially the small print So that in the case of loss there is no surprise.

It is important to ask until you are satisfied and have no doubts about all the clauses that are not understood. The broker must explain the coverage as well as the limitations and exclusions of certain situations and, if any modification is made, must be written in the same contract. In addition, it is necessary to know the surcharges that the company can apply in the case of intervening in several claims during the term of the policy.

Once the insurance has been chosen and signed, the last step will be to keep the policy together with the papers of the car and the rest of the documentation, since in the case of loss it will be necessary before the different agents of the bodies in charge of road safety and can Be very useful.

In the case of home insurance, there is a warranty extension covering large appliances (such as a compact dishwasher, a washing machine with a dryer function). This is an optional warranty that relates to the basic coverage of an HRM contract.

The home appliance coverage indemnifies the insured for any loss of power and power that would damage his equipment.

The following rules apply to all appliances covered by the service: household appliances, computers, television, etc.

Failure after repair

If the appliance breaks down shortly after a repair worker has intervened, the customer can ask him for compensation or another intervention without charge. In this situation, the repairer may be criticized for insufficient examination of the appliance. However, the customer can not dispute the payment of the repairs already carried out when these are necessary.

Obligations of the professional

If the repairer fails to comply with his contractual obligations ( delay in delivery), he commits a fault which, on the basis of article 1231-1 of the Civil Code, must give rise to the payment of damages in your favor.

In addition, if the repairer has caused damage to your device, it violates article 1932 of the Civil Code, which provides that the depositary must render identically the thing it has received.

The repairer must either:

Compensate you
Repair your device free.

1. following a water damage, fire or explosion:

The warranty for appliances is when a device is damaged due to water damage, explosion or fire.

Compensation is equivalent to the value of the aircraft up to 5 years of its purchase.

In order to be entitled to compensation, the insurer must notify the insurer for a period of 5 working days. An expert, mandated by your insurer, evaluates the reported harm. You must then prove the value of the appliances by invoices or statements from your bank account. The allowances are in principle paid within 1 to 2 months.

2. due to power failure

This failure can result either from a technical defect or from a climatic event. For a freezer, for example, the cold chain is no longer reliable after 24 hours without electricity.

The compensation is based on your own reporting value of the lost goods. To be compensated on the contents of the refrigerator, for example, it must be mentioned in the conditions of the guarantee. Check this statement before taking out home insurance.

Generally, household appliances may not be covered if you are supplying yourself with electricity supplies such as a generator or photovoltaic panels or if the breakdown is due to negligence on your part.

3. following an overvoltage

Appliances are reputed to be robust. They are supposed to withstand slight variations in electrical intensity. However, they may suffer significant damage in the event of an overvoltage.

In this case, if your equipment can be repaired, your insurer will only reimburse you for the cost of a refurbishment and removal costs with transport charges.

Typically, the appliance warranty includes support services, such as the loan of a replacement washing machine in the event of a breakdown.

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How to choose or buy car insurance online?