Cheap Insurance Hut

Insurers choose detectives and experts in fraud detection

2013-01-07T10:51:00.002-08:00

ICEA (Cooperative Research between Underwriters and Pension Funds), in its report on the Spanish Insurance Fraud 2011 presented by shows that is increasing the attempted insurance fraud, reaching 95,312 in the car insurance industry, which an annual increase of 10.5%.But who is behind the fraud?"Virtually all cases are detected correspond to individuals.

The amount claimed by case usually low," says a director of ICEA, more worrisome considering the action of organized gangs. "They represent a small volume of cases in each scam but manage to get much more relevant quantities. Primarily active in the auto industry."Almost always, it is the insured who is committing fraud.

The role of contrast is relevant only in car accidents (22%). And neither mediators nor insurance providers (shops, doctors, builders ...) are often involved in the scams.The best case of fraud detectedICEA convenes an annual contest to choose the juiciest deception. The fraud prevention departments of the first Spanish insurance refer more curious cases have been detected at ICEA.

The jury weighs both the economic quantity that has saved the insurer to discover the thymus as detection techniques employed and the strength of evidence.In the case that won first prize last year, coordination of parallel investigations was fundamental. We detected a possible fraud in an incident in which a person became paraplegic due to a car accident. The insurer suspected that the claimant had posed as copilot, when it really was the driver of the vehicle at the time of the accident.In the auto insurance policies to third parties, the driver of the car is not covered, but the companions.

The combined action of the company's experts, an engineering center that reconstructed the accident sequence and specialists of forensic medicine chair failed to prove at trial that the accident was driving the car at the time of the incident.Is it profitable for insurers to avoid scams?Sometimes the cure is worse than the disease, but overall it is very beneficial. The key lies in knowing the companies decide when and in what compensates investigate is less expensive to overlook ...Last year, the 21 entities that contributed to the study ICEA fraud allocated 6.7 million euros to analyze possible scams. This investment allowed avoiding scams where net demanded payment of 341 million euros in compensation. For every dollar spent on research is avoided paying almost 52 euros.

To uncover the deceptions insurers mobilize their experts, who are responsible for evaluating the origin of the claim and the amount of damages. They also hire the services of private detectives. Their job is to contrast the documentation provided and the accounts presented by those involved in the incident. Sometimes, companies turn to specialized laboratories to analyze samples collected at the scene.

The technological sophistication also extends in fraud detection activities, resulting in a massive increase use of internet and social networks for monitoring and investigation of claims. Internet helps to reveal if there are any pre-existing relationship between the cause of the accident and the injured. There have been cases where those involved in a traffic collision when they were denied knowing clearly in contact on social networks.The Data Protection Act has cut so far all projects to create an official file insurance fraudsters. However, it is common practice for insurance servicers hold data of families who have tried to cheat in the last sector.

Car insurance for young

2013-01-07T10:50:00.001-08:00

Search and find car insurance for a young affordable when driver age is between 18-25 years is a rather complicated task. With our car insurance comparison you can check what insurance companies themselves would be willing to cover and which ones offer specific car insurance for young people, including a detailed analysis of coverage and rates.

Young people, especially those included in the age group between 18 and 25 years, who bear the higher insurance premiums, which can be up to 400% higher than those of most drivers age in the same circumstances. The rationale is that insurance for young people are the ones that generate higher spending per policy to the insurance companies, because according to statistics, the recklessness and lack of driving experience of under 25 increases the likelihood of have an accident. However, the raw vary widely depending on the case.

When studying the cost of car insurance for young, variables that modify the end result:- Age at which we took the card- Types of vehicles insured- Election of the policy of the company and the bonus system.Each insurer a world

To guide you on which companies can provide you a good value for money, we have mentioned in the past that each company has its own strategy, and base their safe driving profiles and different insurance. Because of our experience in this sector we know that:* If you are between 18 and 25 years old and you're a woman, some insurers will offer you better value for your car insurance.

* Other companies to consider getting car insurance for young people cheap, ensure both women and men, as long as the vehicle characteristics (power, capacity) and the driver are within tolerable risk.

* Another option for car insurance for young people is to ensure the car insurance companies that launch specific products to young people, who generally are aimed at young people aged between 18 and 30 years. In the latter case, the main characteristic of youth specific insurance is usually offered to pay a premium based on the responsibility of every driver behind the wheel, making a custom quote depending on driving style of each. In addition, young people who show good driving behavior are rewarded by the insurance company with advantages of type-fuel cards, important bonuses with each renewal premium, and if proven track record of accidents should have been insured previously in another company.

Insurance rates in 2012

2013-01-07T10:49:00.001-08:00

It talks about the difficult situation will live the insurance industry during this 2012 car. According to some industry executives, 2011 has been a year "troubled" that condition the economy is expected to recover only in the long term and that will lead to "very tough scenarios."

The ICEA insurance association say there should be no "illusions" about whether this crisis can affect lesser extent insurance companies car than other sectors. However, an argument for not becoming discouraged is that while premiums have declined in the past four years, the number of uninsured has grown.

Several companies were slight decreases in turnover of car insurance in 2011, and is considered to have a greater concentration of companies in the business through mergers and acquisitions.

As for the business prospects in 2012, senior executives of insurance predict fierce competition in the car insurance industry. There is also talk of a number of aspects that characterize 2012 as the sector's profitability, customers in search of cheaper car insurance, project-oriented business models for growth, heterogeneous players, the sector well capitalized and type of high interest.

And specifically in the car insurance business, there may be some opportunities, like the great knowledge of pricing or sectoral good tools, and also some risks, such as inflation risk by updating the scale or pricing based on auction.

Raw in April 2012
Although this price stabilization are strong fluctuations between insurers being the Third Basic category in which most evident: between 6% -7% up and down as companies analyzed. The data show that the average price in the category of Third Basic for April stays at 387 euros.Also in the Third Expanded mode preserves the average premium is 436 euros.

With excess is the category that has suffered a decline since early 2012.Without excess manifests a variation in the average prices of April up to 1081-1088 euros.

Prices in 2011The average annual change in insurance prices closed last year with a drop of 3.75% cumulative average in the four types of insurance.

All types experienced a decrease in premiums in 2011, reaching up to 5 percentage points of difference in the case of Third Expanded and with excess, which, with 5% each, are the categories that showed a steeper decline . I followed Third Core with a decrease of 3% and, finally, without excess, which is 2% experienced a smaller decline at year end.

Another interesting data is that January and February were those who offered, on average, the highest prices of the year. However, lower average prices were in August for Third Basic and without excess, and in September and Expanded Third Party with excess.

Car insurance for people with disabilities

2013-01-07T10:48:00.004-08:00

People with disabilities face a multitude of obstacles in their daily lives. Those with disabilities are in the market only vehicles adapted to their condition, have to spend much money in suit and most insurers do not cover the needs of this group.
Seguronce was, until recently, the only institution offering car insurance for disabled. This organization has developed its services in order to provide specific solutions to associations of disabled people which have resulted in the marketing of specialty insurance and adapted to the needs of this group of people.
Some private insurers are committed to promote in your wallet car insurance for disabled people, who have always been in the background or it may not have been considered. In 2009 he launched the first exclusive car insurance for disabled and since then more and more.
Such policies cover situations and offer a number of very specific services, responding to the demands and needs of a sector composed of about 700,000 people using adapted vehicles.In such policies find very specific coverages: luggage including wheelchair transfers and escorts direct client to your destination by car or taxi adapted (Eurotaxi) if immobilization workshop or car accident passenger travel expenses by accident or disease of people with disabilities during the trip; adaptation of vehicle coverage without additional cost to an amount, typically the first 4,000 euros; guidance on handling of appeals or requests for financial aid.
In some cases, it also provides psychological and social counseling in case of accident. All this is covered up to certain amounts, normally valued at 5,000 euros.
The essential condition is insurance that suits all insured, whatever their situation and need. For people with disabilities that private insurers they think is a big plus, on the market since minorities are sometimes problems to find solutions that suit them.

However, insurers in this market can find new business opportunities and niches that can make a company that specializes in put them ahead of the pack with ease.

What is insurance profits?

2013-01-07T10:48:00.000-08:00

In monetary terms, lost profits is money that would not have happened livestock damage. For example, the merchant whose goods have been destroyed as a result of the car accident can claim the price of it, and the benefit that would have been obtained, the taxi driver, as a result of a road crash, lost days of work while fix your car, the lawyer who lost the sight of a trial ...
In Spain lost profits compensation of victims of road accidents. The courts are generous when it comes to compensation for moral damage but are more restrictive property damage. When an accident with personal injury, the law distinguishes between:
• Current Consequential Damages: hospital expenses.• Loss of earnings: disorders arising from the inability of the victim to work for the duration of convalescence.• Indirect damage future treatment costs permanent sequelae.• Loss of earnings future earnings foregone as a result of disability.From the Spanish Union of Insurance and Reinsurance (UNESP) note that the 'Spanish System for Damage Assessment Body in car accident', better known as the scale, is obsolete and urgent update because reality has changed siniestral substantial.
The car insurance insurers support the need for the upgrade, but warn of a consequent rise in prices, from Unespa suggest setting a ceiling. The employer supports a more fair and balanced than the present, which is consistent with victims' associations, but clarifies that the increase will affect the cost of car insurance compensation because "we pay all". With reservations, victims advocate for economic protection for the most serious injuries, especially for families who lose one of its components to provide income or household work.
The eligibility requirements for compensation for loss of earnings are as follows:• That the profits exists and can be tested, along with his relationship with the damage. This requirement is more difficult to prove.• What can be determined economically the amount that has not received. For example, if a person was unable to work for a month because of an injury in a traffic accident, loss of income was his salary for a month (less, if applicable, pensions could have received).

Restrictive legislation

Unlike Spain, in almost all European countries are seeking full compensation for injuries in traffic accidents. Economic damages are repaired without restriction in the UK, Germany, France and Italy. The courts in these countries are open to the setting of compensation for loss of earnings, while moral damages are valued more arbitrary and restrictive in these countries than it is in Spain.Our country has followed the tradition of the restrictive interpretation of the so called profits, causing difficulty plus the whole satisfaction, which, in the opinion of the expert, "should not happen in cases where the proof of loss has been properly proved. " And is that the legal system of assessment established by the Revised Text of the Law on Regulation and Supervision of Private Insurance not say whether the compensation for loss of income in the event of death, permanent injury or temporary disability of the victim, exhausted to weightings of the Scale.

Compulsory Liability Insurance

2013-01-07T10:46:00.006-08:00

Under Spanish law, effective in early 2008, all vehicles, including second hand, must have car insurance minimum coverage which is mandatory liability. Driving without her, can pose sanctions ranging from 601 euros to 3,005 euros and can inhabilitarnos the vehicle.

Car insurance compulsory or mandatory liability insurance, has the minimum coverage required by law. This insurance coverage is not sold on its own in the companies, it is generally offered in a package with other coverages such as legal expenses, driver insurance, travel assistance, etc..Only I can find no other coverage added in the Insurance Compensation Consortium. Sometimes, companies refuse to insure a user, ie, they do not even do the most basic insurance including Liability Compulsory. The reason is usually caused by poor driving experience (less than 2-5 years of age card), or by the young age (under 25, although there are companies in which is from 27, or even more ) or insure the vehicle (with power / weight ratio high).

When this occurs, and as we can not travel without insurance, there is a public entity that will assume the legal minimum for all these people that no private company assumes.These coverages are valid in Spain and all countries of the Multinational Agreement Guarantee (the EU, Switzerland, Iceland, Norway, Croatia, Slovenia, Hungary, Czech Republic and Slovak Republic).What coverages offered

Compulsory Liability Insurance?
The range covered by this insurance is related to damage that may have made the driver of the car against other people, namely:* Damage to third parties (including a pedestrian) amounting to 70 million Euros per claim.* Damage against animals* Against property damage up to 15 million Euros per claim.

What coverages are not included?

No cover us if the person hit or otherwise damaged in the vehicle is a relative of the driver at fault. Up to the third degree of consanguinity to the driver at fault this coverage does not include damage of a material nature that were not (historically these claims were brought about intentionally and therefore the exception in today's terms).Therefore, the major risk of this insurance contract can only be the limitations that we would suffer with it. For while it is designed to ensure that if we are owners of a vehicle and caused damage to other persons or property they will be covered, in no case shall this insurance cover damage we cause we ourselves or family, we will have no supplemental coverage, and in any case the coverage will be limited.

Increasingly women-only insurance

2013-01-07T10:46:00.002-08:00

The accident statistics do not lie the DGT, women have a lower risk of causing accidents or being involved in one. Men are the highest accident record (4 out of 5 deaths and 3 out of 4 injured in road accidents). As a general rule women are more cautious when they are behind the wheel, so car insurance companies offer lower premiums under the lower claims.Not only are more careful driving but also choose smaller displacement cars and tend to drive less frequently than men, so the possibility of causing an accident and the potential damage of lesser importance.

However, following the opinion of the Court of Justice of the European Union that outlaws that sex can be a source of differentiation in the price of insurance, insurers may not offer different premiums to men and women in the car insurance , life and health, when differences were recorded before arriving up to 33% on the final price.

The car insurance premiums for women will consequently increased their amount. According to a report commissioned by the CEA, the European insurance employer, which attempts to assess the economic consequences of the implementation of the European directive that establishes the disappearance of gender differences, which are classified as direct discrimination, one of the first consequences will increase the price of car insurance policies for women. Quantified increased by 11% as GDV, the German Insurance Association.Insurers aware of the specific needs of this group have begun to offer vehicle insurance with coverage designed especially for the women. Many of these companies claim to be over 25 and have not lost more than six points, assessing aspects of history at the wheel adjusting the price accordingly based on the claims.

To get more competitive prices can help our car insurance comparison with which not only saves money, but also time in choosing the car insurance deal that best fits your needs.ExamplesAmong the available supply in the market stands Insurance Penelope, a new brand launched by the Group Hotline offering coverage to address the peace and safety of the drivers, but can also be contracted by men. This insurance is intended to make life easier for the insured, particularly as related to roadside assistance, field repairs, workshops and specific allowances.

Coverages offered highlights of theft bag inside the car, offering compensation of up to 200 euros and the management of low credit cards. Penelope offers roadside assistance for pregnant women, in case of indisposition for this contingency, are responsible for the insured and take your car to a medical center or to their home, as required. Car service also offers Agenda, helping to save time conducting, managing the agenda revisions of your car. In the repairs, the insured will have free choice of workshop and the assurance that your car will be washed and vacuumed after repair.Other highlights include the additional cover legal assistance on various topics such as labor law, fiscal or civilian vehicle repaired in situ, wherever possible and collection and delivery services vehicle, crane urgent (roadside assistance unlimited mileage) and replacement vehicle, among others.

Another policy to mention is the Policy We Pelayo, to suit the specific needs of everyday women and among other features the following

What does have a duty free car insurance?

2013-01-07T10:44:00.003-08:00

The car insurance contracts are a voluntary agreement for both parties. First, the user must pay a sum of money in advance to secure a car. And for another, the insurance company takes over if that risk leads to a loss by paying the compensation is stipulated in clauses.However, there is a mixed formula, which is a compromise between the parties involved, in which each party is responsible for a fraction of the obligation of the other. In other words, you pay a lower premium to its share of the insurance contract and the insurer pay compensation below that correspond.Thus was born the concept of franchising this mutual commitment, by which each party is responsible for a share of the obligation of the other party.

Definition

Franchising is an amount of money that the insured fails to collect the car insurance company for compensation that would apply as a result of an accident.It is applied to the first X euros of compensation and each and every one of the incidents that occur during the period of insurance.In return, the insurer lowers the total premium that you must pay for such insurance, a certain amount of money, it does not have to match the value of the franchise, sometimes being higher and others lower.What coverage is best to apply a franchise?

* Theft, fire and moons
Since the cost of procurement of these hedges is relatively low, apply a franchise they just lower the price and also if for example, a glass breaks or try to pick a lock to steal the car, you will be responsible for the almost repair entirety. Logically, if the car catches fire or stolen, it would be otherwise.

* Own damage
In this case, hire own damage coverage is very expensive relative to the other, so applying a franchise, in most cases it can be a very substantial reduction in the premium.Hiring or not a franchise for this coverage depends on the type of driver. While no one knows in advance whether an accident will be serious and if the driving record can help you make a decision. The driver will know whether or not parties have given their insurance, then according to this history can predict the risk of having an accident.When the accident history does not record incidents only, then it may be worth considering employing a franchise to reduce premiums. But if the driver usually give parties regularly, either to fix minor knocks or incidents of guilty is then reduced interest in insurance with excess.

What amount of franchise we choose?

The decrease of the premium payable is not entirely proportional to the value of the franchise hired. Interestingly apply several possibilities, franchises 150, 300, 600 or 1,200 €.Give part of the insurance claim to fix minor bumps, scratches, with or without excess, in most cases it does not matter, as there may be losing reduced annual bonus. In these cases, hiring a small franchise interesting. In any case depend on the driver's accident history, frequency and importance of their mishaps.

Moreover, an important consideration is that the exemption applies to all claims involving coverage where we hired and applies only once per claim. It is not legal to join several claims to only apply a franchise.

Our children and second conductors

2013-01-07T10:44:00.000-08:00

Recall:
the policyholder is the person who hires, ie figure whose name the policy and pays the insurance premium car.The insured is the person who protects, the insured person would have an accident. It may be the same person who signs and pays the policy or not.And the beneficiary is one who would receive compensation in the event of the occurrence of the incident. In most cases, insured and beneficiary are the same person, however, where insurance covers death of the insured, the beneficiary of compensation is another person who is chosen by the borrower to sign the policy.Well, it is advisable that policy in providing information of all drivers, both routinely and occasionally, to drive the vehicle. If insurance company only includes data from a driver record is better than less experienced driver (the minor's age and driving license) to avoid problems in case you need to claim compensation for an accident.Insurers will cover the backs
As companies often distrust the occasional driver figure, we apply a surcharge that may be less than if the child is declared regular driver, but in any case the mark will be important (between 30 and 50 percent of the premium without bonus).I
n addition, in the event that the driver "casual" have a claim (of any type, such as broken windows), you may be expected to apply a franchise that may require us to pay between 200 and 500 euros, according to the company .
Sometimes, we can change the data raise asks insurance for young and novice drivers, as insurers either charge an exorbitant amount, or not say.First, as parents, if we try to cover the situation of a child aged 25 or putting novice driver as regular driver and car insurance policyholder, we know that if the company finds that the car is in the name of the child (as I will ask for documentation), we may reject the car insurance policy, because the risk is too obvious.
If the insurer accepts the policy, in case of accident could not receive any compensation as car insurance policyholder, we will have to bear all the expenses, and claims that servicers can claim bad faith on part, because probably the person having the accident with the car is not really the policy, but the son is not stated in the policy as the main driver.
In the best case, what can happen is that you never give one party and not have to resort to the insurance company, but, clearly, we advise you to pay a premium annually to an insurer that will give us trouble cover us when we need it, it is better to pay a little more and be well secured. Moreover, in any case, son will not gain seniority as insured. The sooner he faces the reality of insurance before they earn the right to lower premiums over the years.
We also recommend purchasing a vehicle other than sport or over 100HP, and that the premium will go up considerably.

For these cases, or the like as to put women as usual conductive since insurance is cheaper, or placing another person having more years of license or bonus, two things can happen, in case of accident, depending on the gravity:+ We do not cover anything for acting in bad faith,+ We deducted from the compensation the difference in the resulting premium if we press the right data to the main driver for insurance, ie, with adequate risk reality.

Accident or claim against uninsured vehicle

2013-01-07T10:43:00.000-08:00

According to the Insurance Compensation Consortium and the DGT, is estimated at more than one million vehicles that currently circulate on our roads without car insurance. In 2002 saw the highest number of uninsured vehicles with about 2.66 million.In 1962 the insurance of motor vehicles became mandatory, due to the increase of Spanish fleet, in order to meet a growing need felt socially, protect victims of acts of circulation, ensuring health care and compensation up to the limit was established, run by the insurer of the vehicle causing. The obligation to ensure the vehicle is imposed in Article 2 of the Regulation on Liability and Insurance on Motor Vehicle Traffic (Royal Decree 8/2004). With mandatory coverage is intended that all responsible for a car accident can cope, through insurance, its obligation to repair the damage.Circular with a vehicle without insurance can lead to severe penalties and consequences
On the one hand economic sanctions, for tourism, driving a vehicle whose permission is required for the class B would sanction € 1500, while for a bike for € 1,250 and any vehicle that requires a permit C1, C1 + E, C, C + E, D1, D1 + E, D or D + E, 2,600 €.On the other hand, if, within 20 calendar days will not be credited to the Traffic Department compulsory insurance of the vehicle, the officers ordered the vehicle tank, having to take care of the costs incurred in this subject, in addition of the corresponding fine. There is a 50% reduction in the amount of the fine, if any payment of the penalty within 20 calendar days from the day following receipt of notification of the penalty.But what if we are involved in an accident with a vehicle that is not insured? Are we helpless?Who should pay compensation when the vehicle is uninsured otherwise?
Under existing law the Insurance Compensation Consortium is responsible for the damage to persons or property by Spanish registered vehicles moving without insurance.How do I proceed?In case you suffer a casualty or accident at a vehicle without insurance, it is important to consider and follow these tips:

    Record data make, model and license plate number otherwise. So, if he leaves the scene of the accident without leaving your data, you can identify later.

Tell the police to conduct the crowded.

While waiting for the police, it takes all possible data on the part friendly especially the owner complete data listed in the vehicle documents (certificate) and if different driver.
    Record details of the accident witnesses if any. May testify about what happened if necessary and identify with the vehicle registration charge uninsured.

Communicate the incident within seven days to your insurer. They will be responsible for handling the compensation due to the Consortium if applicable.If there is injury, who is responsible for medical expenses?
The Insurance Compensation Consortium shall assume all healthcare expenses necessary to the healing and consolidation of the aftermath and the compensation and property damage coverage for the vehicle.What about the responsibility of the vehicle without insurance?If the vehicle is declared responsible uninsured casualty or accident happened, the Insurance Compensation Consortium may require reimbursement of all expenses and damages incurred.

Tips for hiring a cheap home insurance

2013-01-07T10:37:00.000-08:00

Should I always cheaper home insurance?
The home insurance are not standard products. These complex products where the 'fine print' of the policies is very important.
The home insurance may cover only the continent, or even the content you have in the house. They can cover more or less elements (windows, ceramic, mirrors ...) or incidents (fire, theft, flood ...). The cheapest home insurance is compulsory, it is one that only covers the continent and in case of fire. Banks require the recruitment of home insurance fire whenever you hire a mortgage to purchase a home, as the lender needs to ensure the value of the home in case a fire completely or partially diminish its value.
You may also want to protect some of the assets you have in your home, or apart from fire, want to guarantee damages against other claims. In this case, the cheaper home insurance is not necessarily the best choice for you. Insurers determine the price of home insurance by multiplying the probability of a loss (called claims frequency) by the average cost of the damage. In this result will apply other costs, such as their profit margins, administrative costs, customer acquisition, etc.. Therefore, to get a cheap home insurance, insurance companies usually remove hedges relating to items of insured property and casualty casuistry limit protected by the policy or the limits of compensation in case of occurrence the incident.
So, if you want more protection for your home, the best option is to decide what you want to protect, in which assumptions and why quantities. Once you've defined the type of policy you want, the best option is the cheapest home insurance from those that best suit your needs.How I can find cheap home insurance?
As in any purchasing decision, to find a cheap home insurance should compare all available options. It is impossible to know, a priori, what company is going to offer the cheapest insurance for the type of policy you want, since the price of it will depend largely on the assessment of the risk profile of the company to make your home. To do this, you will need to provide certain information about your home, such as your ZIP code, the height of the housing or security measures with which account it. Only once you request a custom quote you know which companies offer you cheap home insurance.To order custom budgets in different companies, you can go directly to each of them and complete the corresponding form, or you can use a home insurance comparison as it offers Kelisto prices and get major insurance companies by completing a single form. By using a price comparison, you can see which companies offer the cheapest home insurance in one place. Plus, you can compare different policies quickly and conveniently. In Kelisto you analyze the fine print of all policies so you can see what each policy offers, and thus can not just hire the cheapest home insurance, but the one that offers the best price / quality ratio.

The useful guide to compare home insurance

2013-01-07T10:36:00.001-08:00

Why should I compare home insurance?As in any purchasing decision, compare the offers available is your only guarantee to choose the best product at the best price. Insurance is not an exception. Only by comparing home insurance you know which company offers you the best price based on the specific characteristics of the property insured, and what policy includes coverage and maximum compensation that come closest to what you're looking for.Before comparing home insurance, we must decide what kind of policy we want to hire and what kind of damage we cover. The only home insurance is compulsory which covers the value of your home in case of fire. However, it is desirable to protect the peace of the continent against other damage such as, vandalism, flooding or breaking glass, to give some examples. In terms of content, the different coverage can vary significantly between different policies, but some of the most common are broken marbles, vitro ceramic, document replacement costs or value of stolen goods. Therefore, when comparing home insurance, you should pay attention not only to price but also coverage and limits including hedges. These limits can be set to come on a specific amount (eg, up to 600 € for replacing ceramic vitro) or a percentage of insured losses.Once you have decided what coverage you consider necessary to compare home insurance that will provide the level of protection they consider appropriate and choose the cheapest.How I can compare home insurance and save on my insurance?In Spain there are more than 20 insurers offering home insurance. Most are traditional insurers, ie, those who market their products through insurance intermediaries. And others are direct insurers, operating primarily through telephone and Internet. Therefore, compare home insurance can be an arduous and difficult task, requiring a search of the leading insurers in the market, fill one by one all the various forms of insurance, and manually compare home insurance available. The comparative home insurance Kelisto born with the intention of joining the market in one place, so you can compare home insurance, in minutes, comfortably, and filling out a single form. The comparative home insurance Kelisto queried in real time on each of the insurers included, so that, with the information provided, they calculated the price of premiums.It is not possible to know in advance the price of home insurance. It is not even possible to know a priori which company will offer you a cheaper policy. This is because the prices offered are determined by the risk profile of the insured property (according to their geographical location, height, security measures they have, etc..) And limit the quantities to insure. Therefore, to compare home insurance, you need to provide the data that insurers need to set different budgets to the circumstances of each case.All insurance companies included in the comparison have a high reputation. Both in the case of traditional insurers, where we have the largest insurance market in terms of turnover, as in the case of direct insurers, except Hotline (which is part of Bankinter), are part of large insurance groups. Therefore, when comparing different home insurance, you can choose the one that offers the coverage you need at the cheapest price, as insurers enjoy associated maximum guarantees.

How to get the best price for your home insurance

2013-01-07T10:35:00.002-08:00

How do you calculate the price of home insurance?
The premium for home insurance is the price we have to pay the company in exchange for cover us in the event that happens the loss covered by the policy. To calculate the price of home insurance, insurers multiply the probability of a loss (called claims frequency) by the average cost of the damage. In this result will apply other costs, such as their profit margins, administrative costs, customer acquisition, etc..
Obviously, the claims frequency depends on the assumptions that are guaranteed by the insurance coverage, and the particular characteristics of the property. Therefore, if our policy only covers fire damage to the property, the price of home insurance is determined by the probability of a fire occurring and the cost of repairing the damage. And if, for example, covers the loss of theft, loss frequency will depend greatly on the particular characteristics of the property insured. Factors such as the area where it is located, the height, or if you have no security door or window bars, make that the probability of occurrence of theft vary and therefore so will the price of home insurance ensure theft damage.
The cost of repairing the damage depends on the value of the property or the contents thereof, and the limits to which you want to ensure the value of the goods.How I can get the best price for my home insurance?
First, we need to analyze what type of home insurance you need. The elements and casuistry insured coverage can vary significantly between companies and product to product. It is therefore very convenient decide what to insure and what assumptions.Once decided which ensure it is important that you make a thorough analysis about the value of the property that you are secure and certain of what it would cost to repair damage to the continent of the property, not infra ensure or secure your property, adjusting and the price of your home insurance needs.
When you have decided what and how secure, look for the best price for home insurance that best fits what you're looking for. For this you will need to perform a custom quote on the main insurance market. You can do this separately for each of them or use a home insurance comparison like Kelisto. Our comparative combines all questions that insurers need to adjust the price of home insurance available to the characteristics of your home. So you only have to fill out a single form and our comparative prices look custom home insurance available in the insurance partner.
Besides price, our comparison will allow you see the details of all available policies. As already mentioned, the price is not the only factor to consider in a home insurance because coverage can vary between different products. Therefore, a comparison of the coverages included lets you select that policy that gives you a better price for the coverage that you consider necessary. This allows you to choose the best quality / price on your home insurance.

The value of a home insurance comparison

2013-01-07T10:34:00.001-08:00

What is a home insurance comparison?

The premium price of home insurance depends on the specific characteristics of the property insured and the items and quantities that want to insure. Therefore, it is not possible to know what prices you get, in the various insurers, to ensure your home. The only way to make sure you get the best value is to make a home insurance comparison complete, comparing the prices of the major insurance companies in the market.
A comparative home insurance in one form combines all questions that make you different insurers need to get the information that allows them to offer a personalized quote. When you enter the required information, the home insurance comparison queried in real time, with each of the associated insurance so that you get the prices are exactly the different prices of insurance same as if you perform the query, one by one, in each of the insurers.
Once you have obtained the available depending on the characteristics of insurance you want to hire, you can make either directly contracting with the insurer chosen by phone or on their website or through our insurance broker associated, for those insurers that do not offer direct recruitment. In any case, at the time of hire will not need to provide your data back because the home insurance comparison transmits your information to each insurer.What added value has a comparative home insurance?
A comparative home insurance online offers convenience and speed when comparing the market. Simply fill in a single form to get the same price if the forms filled more than 10 insurers we included in our comparison. This way you can save time and more easily compare the different policies available. Please note that home insurance can include different coverage and different limits on compensation, so that the cheapest price may not offer the best price / quality ratio. Comparing different toppings on one screen will be easier for the comparison between coverages.
Traditionally, whenever an insurance broker estimated the premium for your home insurance, conducted a comparison of home insurance available from insurers with whom he worked. Internet provides a perfect platform to make available to users the comparative, so that they can interact with it. In addition, more recently, there have been calls direct insurers that use insurance brokers to market their products, so they do not appear in the home insurance comparisons used by insurance brokers. The comparative home insurance has Kelisto traditional major insurers (those that distribute their products through intermediaries) and direct. Therefore provides a comparative market overall.
Hiring a home insurance is mandatory when you hire a mortgage to purchase a property. In this case only mandatory fire insurance. In any case, it is usually advisable to expand the home insurance to cover other claims that may damage the continent and also cover potential damage to goods that are the content of the property. The Insurance Compensation Consortium lets you know which products can ensure the damage that is most important at the best price available. In Kelisto you analyze the fine print of each policy, and check in detail what each offers.

Advantages of a motorcycle insurance comparison

2013-01-07T10:33:00.001-08:00

What advantage does a motorcycle insurance comparison?
The motorcycle insurance comparisons allow you a personalized quote the leading insurers in the market in a few minutes and also offer you the possibility to compare in detail the coverage offered by each of the companies.
Motorcycle insurance are complex products, because the range of coverages that may include insurance differs from one. Moreover, the small print of the same coverages from different companies can also be different. For example, two motorcycle insurance including driver's insurance (that which protects the driver of the motorcycle when it has incurred a loss and, in addition thereto, is guilty of it) can set different limits on compensation. Therefore, only a comparison of motorcycle insurance that are available for your characteristics as a driver and your bike will allow you to decide which one gives you more for your money.
To make a comparison motorcycle insurance can go one by one by all insurers use a bike or motorcycle insurance comparison as it offers Kelisto. It is queried in real time each partner insurers so that personalized pricing of each insurance company will be the same you'll find on your website. Once submitted all products available depending on your risk profile, you can make a comparison motorcycle insurance for the details of each product.What insurers must include a motorcycle insurance comparison?
You can find motorcycle insurance in Kelisto insurance comparison, both insurance companies that specialize in motorcycle, such as Sovag Musepan or as general or specialized insurers in the automobile industry, as Pelayo, Allianz, Generali and Liberty. To make a complete comparison motorcycle insurance offers you need some major insurers operating in the motorcycle industry.
Traditionally insurance prices were not competitive bike, as margins for companies that were low and limited the interest of insurers to enter and compete in this field. However, with the advent of direct insurers to Spain, has begun to have more competition in the motorcycle insurance industry, which has set the prices for policyholders. Now, if you have motorcycle insurance for several years and make a motorcycle insurance comparison, you'll see how prices are being adjusted significantly.

Companies like Verti Hotline or have invested heavily in this product, investing heavily in advertising to promote it. Other direct insurance companies specializing in car insurance, as Genesis Auto, Phoenix Direct, Mutua Madrileña, or Internauto Direct Insurance also opted to compete in motorcycle insurance. And, of course, traditional companies that cover almost all forms of insurance, such as Mapfre, Allianz and Axa, to name the most important ones include motorcycle insurance in its product portfolio.

Therefore, a motorcycle insurance comparison should include major insurers, both specialists and generalists, to provide market coverage that allows you to make sure you choose the motorcycle insurance that gives you the best quality / price ratio. It is impossible to know, a priori, that motorcycle insurance is the cheapest, since different companies adjust their prices more profiles for the target you want to capture. For example, if a company's target audience is families, offer a better price to such clients. Therefore, to make a comparison of car insurance you need, first, to define a profile as a driver and your bike, so that companies provide you with a customized quote.

How safe simulator?

2013-01-07T10:32:00.002-08:00

The calculation of the premium for any insurance is done by calculating the probability of occurrence of the insured risk. One of the key factors for the calculation of this probability is determining the risk profile of the driver based on their characteristics (age, length of driving license, record of accidents) and your bike. To determine this risk profile, all motorbike insurance simulator needs to collect the necessary information about the driver and the bike and process using statistical formulas necessary and, in this way, determine the price of that risk. Just then a motorcycle simulator will be sure to provide a custom quote.
The simulator Kelisto motorcycle insurance only performs the necessary questions for insurers to calculate the insurance premium. These questions are not personal, but the technical details of your bike and determining your driving record.
The simulator motorcycle insurance Kelisto queried in real time to each of the insurance carriers, delivering the information provided by the user. Kelisto has joined in a single form all the different questions that require insurers to offer a price so that in a few minutes you can access the different insurance rates just as if the simulator utilizases motorcycle insurance each them.
Insurers return to the simulator bike insurance, in case there are products available to the defined risk profile, the custom of each insurance rates and coverage features included in them. In all cases, prices and available products will be exactly the same as if the simulator utilizases motorcycle insurance for insurers, as budgets are consulted directly by Kelisto to each of them every time you make a comparison.Once you have made a comparison on the simulator bike insurance, you can proceed to the insurance that best fits your needs directly with the insurer chosen, either by phone or on their website. In both cases, you will not need to provide your data back because the insurer will have on your budget.What are the advantages of simulators motorcycle insurance?
A motorcycle insurance simulator gives you the opportunity to get a personalized quote the leading insurers in the market conveniently and in a few minutes. The simulator Kelisto motorbike insurance is completely safe and has the leading motorcycle insurers Spanish market.
In addition make sure you get the best price for your insurance, the insurance simulator Kelisto bike allows you to compare in detail the various insurance coverages available, so you can choose not only the cheapest insurance, but it gives you a quality / price advantage. Motorcycle insurance are complex products, with different coverage and compensation, so a detailed analysis of hedging contracts will ensure that the product that best fits your needs, for the best price.

The useful guide to motorcycle insurance estimate

2013-01-07T10:31:00.002-08:00

How I can calculate motorcycle insurance?
As in any purchasing decision, compare the offers available is your only guarantee the best choice. Especially in a product such as motorcycle insurance, where the policies and prices available depends on your characteristics as a driver (age, years of license, accident history, etc) and your bike, it's more necessary to know the offers available.
To calculate motorbike insurance personal budgets have to ask all companies in the market. To do this you can fill in a form on the various bike insurers operating in our country. The other option is to use a motorcycle insurance comparison as it offers Kelisto. In it, you can calculate motorbike insurance by filling out a single form and you can see all the available coverages on a single page. Kelisto has joined the various questions that make motorcycle insurance on a single platform, so you can view, in real time, the best price on each of the insurance companies.
You can save over 50% on your motorcycle insurance. Feel free to calculate your motorbike insurance by comparing the leading insurance market to get the best value for money.What are the steps to calculate motorcycle insurance?
The first step in calculating the motorcycle insurance is to decide what you want to include your insurance. Coverages include general conditions of motorcycle insurance can vary between insurers. Also, most motorcycle insurance coverage do not include some you might consider important. Therefore, before calculating motorcycle insurance, you should consider what you consider important to include, once you see all the available options, choose the one that offers you all the coverage you need at the best price.
The next step is to have at hand the necessary data for a custom quote. Above all, know that if you have a motorcycle insurance today, you will provide information on what your current company. Especially if you have no-claims bonuses that will interest your new policy the note when you go bike insurance calculated. This is the reason that you will be asked about your current company and your claims history when you go bike insurance calculated. Please note that insurance companies will offer bike always personalized pricing, depending on your risk profile as a driver and the value of your bike. Therefore, the more information they have about you, the better they can calculate the price of your motorcycle insurance.
The next step will be to calculate motorcycle insurance available in different insurers. Note that when using a motorcycle insurance comparison like Kelisto, prices and get the coverage that will be exactly the same as you would get by going individually to each of the insurers, as Kelisto make a query in real time to each a insurers, depending on the information you provide. In fact, once you've calculated motorcycle insurance available can formalize the contract directly with the company chosen.
Once you've finished calculating the motorcycle insurance available for your risk profile and your bike, you should compare the quality of all policies, depending on the coverage provided and the limits of the same. For example, the travel insurance coverage, which is included in virtually all policies may differ widely according to the companies. For example, you will analyze from what kilometer travel will be covered, or what happens if you are traveling in a vehicle other than the insured, or what happens if you are traveling abroad. Or, in the case of the driver's insurance (which protects the driver of the motorcycle in the event that the person to be involved in an accident and in addition thereto, is guilty of it), you should consider what compensation limits would perceive in different assumptions protected.

Tips to compare motorbike insurance

2013-01-07T10:30:00.003-08:00

Why should I compare motorcycle insurance?I
n any purchasing decision is essential to check which product is best suited to what you want and where to buy. In this case, compare motorcycle insurance available is even more important.It is mandatory to have a motorcycle insurance that covers damage that could cause the driver to third parties, whether persons or property, when the driver was at fault for the accident. Moreover, motorcycle insurance are complex products, because the conditions of coverage can vary substantially between different insurers. And besides, it is impossible to know in advance the price of insurance available for your characteristics as a driver and your bike. This is essential to compare motorcycle insurance to choose the one that best suits your needs.How I can compare motorcycle insurance?
The best option to compare motorcycle insurance is to use a comparator, in one place, you show all the prices and features of the coverage available depending on your risk profile as a driver and characteristics of your bike.
Compare bike insurance can be a very laborious task, since it is necessary to provide specific data on your bike, your age, you normally use the bike, and your profile as a driver. All motorcycle insurers require this data, as they are required to adapt their offerings to the risk profiles that are defined. Therefore, to compare motorcycle insurance you have two options: To provide the necessary data on each bike insurance companies and then compare prices manually and characteristics of cover, or use as a comparator which gives you Kelisto where only have to fill out a single form and can compare bike insurance available for your risk profile.
Kelisto you can also compare motorcycle insurance in comfort, which includes each coverage detallándote, to not only know what is the cheapest insurance, but what gives you the best quality / price ratio.What issues should I compare motorcycle insurance?
Obviously the price is a major factor when comparing motorcycle insurance. Traditionally prices motorcycle insurance have been high relative to the coverages included. However, some insurers (which are those which operate mainly through telephone and Internet) are launching major motorcycle insurance at competitive prices. Insurance companies like Direct Line, Genesis, Phoenix Verti Direct or have begun to compete on price, so to compare motorcycle insurance you'll probably save money.
However, besides the price, you should also check the coverage provided and the limits of the same to compare motorcycle insurance. The range of insurance coverage is much smaller bike than car insurance, and the limits of coverage can vary significantly between different insurers. For this you must carefully compare different motorcycle insurance available to choose the one that best suits your needs and your pocket.
Most insurance companies that offer bike does offer some coverage that are common in car insurance. For example, you will find it difficult to find coverage for own damage, theft, fire, damage by large or include a replacement vehicle while your bike is being repaired. All motorcycle insurance include mandatory liability, and most, voluntary liability and travel assistance, and do not find it difficult to hire driver's insurance coverage or legal expenses.
In any case, motorcycle insurers tend to adjust prices by eliminating or limiting some coverages that are considered non-essential, therefore, only to compare motorcycle insurance you can check which includes each and, after analysis, choose the that offers the coverage you need at the best price.

The guide to get cheap motorbike insurance

2013-01-07T10:30:00.000-08:00

How I can get cheap motorcycle insurance?
As with any buying decision, the best option to get cheap motorcycle insurance is to compare the market for the product that best meets your needs at the best price. Motorcycle insurance are complex products, because their price is determined by the characteristics of the insured motorcycle and driver experience. It is impossible to know, a priori, which companies will offer cheap motorcycle insurance for your specific case, as prices vary according to your risk profile. In any case, get cheapest motorcycle insurance if you are over 25, have many years of driving license, has been the policy of your motorcycle insurance for several years and has had a long history of no accidents. However, if you are under 25 years will apply a surcharge for your age and probably limited by the length of your driving license and also there will be fewer companies willing to be sure, so it will be more difficult to find Cheap motorcycle insurance.
Whatever your profile, to get a cheap motorcycle insurance will need to request a custom quote, since different companies analyze the amount of the insurance premium for each individual case.To compare motorcycle insurance can either request a quote one by one on all insurers, or use a motorcycle insurance comparison as it offers Kelisto. In it, filling out a single form, you can check which company offers the cheapest motorcycle insurance and, what may be more important, what gives you the best quality / price ratio.
Traditionally insurers do not compete on price for motorcycle insurance, so it was not easy to find cheap motorcycle insurance in the market. This product margins for the companies are small and therefore not aroused great interest. But recently, some companies have begun to direct bet on this product, which has benefited users, who are now able to find cheaper motorcycle insurance. Companies like Verti Hotline or have begun to actively promote this product through investments in advertising and other direct companies like Genesis, or Phoenix Direct Insurance Direct Insurance have launched bike between its product portfolio.Is motorcycle insurance cheaper always best for me?
If you are looking for a motorcycle insurance that covers only the mandatory liability (insurance is mandatory and covers damage to third parties), the cheapest motorcycle insurance will be the ones that interest you, as hedges Compulsory civil liability is established by law, so the differentiation that only offer this insurance coverage is minimal.
Now if you have other coverage, you need to analyze each insurance covering such hedges as boundaries and Indemnity coverage can vary from one insurer to another. For example, if you have travel insurance, different companies provide different conditions for this coverage. If you never drive your bike abroad, do not want to pay more for insurance to cover this eventuality. Companies offering cheap motorcycle insurance coverage typically eliminate or limit deemed unnecessary to only pay for what you need. However, one needs vary between insured and others, so you should analyze what you consider necessary and choose motorbike insurance covering such eventualities, gives you the best price.
The motorcycle insurance coverage rarely include some that are common in car insurance, so the product differentiation is lower than in the auto industry. For example, very few insurers offer coverage for own damage, theft, fire, vehicle replacement or major damage. However, there remain some coverages that may give peace of mind to the possibility of an accident, such as driver's insurance or legal expenses. On our site you can see all the different insurance coverage available, so aside from choosing the cheapest motorcycle insurance you can choose those you offer broader coverage for your money.

How Car Extras affect the price of your policy?

2013-01-07T10:24:00.001-08:00

It is common to add extra items to cars: design headlights, tinted windows, GPS, alloy wheels ... There are endless possibilities and combinations for owners of cars do your car something special. In Spain there are over 250,000 cars circulating tuning our roads.
Well, many people do not know that most insurance companies require that these facilities do not come standard are expressly stated in the insurance policy and car to be covered, depending on the value, and increase the cost of insurance.
Normally you need to take the car to a workshop agreed that tell you to pass the expert, see changes and accessories and validate for insurance.
A half usually used is that for every € 300 of accessories "serial no" built into the vehicle, the annual premium will increase by € 10, or € 3,000 which will be prepared for extra € 100 a year more insurance.
The first exception to this rule: the tow ball can be added as an extra accessory to car insurance coverages and generally does not raise the premium.But averages are just that, averages. Insurers have a wide disparity among themselves as to cover car accessories. Some we cover damage caused by non-standard accessories and not stated in the policy, as long as they are not audiovisual devices (DVD, audio, browser ...) or xenon headlights.Other insurance companies cover up to 300 euros, the excess of this amount, we must declare, and therefore pay a supplement.
Some companies cover without additional premium, all standard accessories and undeclared in the policy including factory, provided the value thereof is included in the acquisition cost of the vehicle. In many other carriers does not occur.
There are even special insurance policies offered to drivers with cars "tuned".Something very positive is that in cases where the extras are covered after a disaster, companies will not devalue the price of a penny accessories for antiquity, contrary to what happens with the whole vehicle.

The most expensive cars to insure

2013-01-07T10:22:00.002-08:00

If you're thinking about buying a car for those who get an adrenaline rush when you step on the accelerator and spin the head to the other drivers and pedestrians, will of course be borne in mind that the car insurance premium will inevitably increased their more power, more likely to have accidents, higher repair costs and more expensive damage.
Many styles of car associated with personal image. One can see the vehicle that drives like an extension of your personality. When you sit behind the wheel of a high-end car, people form an impression of self-worth and social status. Utilities such as minibuses, more practical and economical can not be presumed in the same way.
According to the prestigious American website published annually www.insure.com a ranking of the most expensive car insurance, in 2012 the most expensive car to insure, it is not a Porsche as had been the standard pattern, but an Audi R8 Quattro Spyder GT, a roadster with a 5.2 FSI V10 engine of 560 hp whopping, it needs only 3.8 seconds to reach a speed of 100 km / h from zero and costing more than € 160,000.
To get an idea of the price of car insurance will not be enough to go to car insurance comparison online and we will see that almost no company offers an unbeatable price "personally consider appropriate" unless we are only interested in an insurance a third. Logically these cars require adequate study the profile of the driver. In any case, for anyone who can afford a car of this type € 2,200 premium insurance that at least will not have to pay a lot of money.

The ten most expensive cars to insure (2012)
Position Cylinders Model1 Audi R8 GT Spyder Quattro 102 Mercedes CL600 Coupe 123 Mercedes S600 124 Audi R8 4.2 Quattro Coupe 85 Porsche Panamera Turbo 86 BMW 750i Hybrid 87 Porsche 911 Turbo Convertible 68 Porsche 911 Turbo S Cabriolet 69 Mercedes CL65 AMG Coupe 1210 BMW 750Li Hybrid 8
It is curious to note some theories of evolutionary psychology to suggest that the choice of car says a lot about how we perceive ourselves. Driving a sports car may be seen as another way of saying, "Hey, look at me, I'm more cool than anyone," especially for men.
It is known that from the biological standpoint males are more passionate when deploying any kind of sexual ornaments to attract females, from the tail of the peacock to the muscles via Gorilla luxury goods humans . These theories suggest that the high-end sports cars are bought mainly by single men looking for couples that are considered by insurers as drivers more accident.

Other theories also focus on the symbols of success. Driving a roadster with an engine of vertigo may indicate that we are looking for status and attention. For many drivers may indicate that they are chasing a dream, such a car is considered as the physical representation of success, to show that you have the potential to buy something that everyone knows that it is expensive.Driving a flashy sports car can be a search for status, but there are exceptions, there are people who truly appreciate the extra quality and added value that appreciates luxury cars offer the comfort and ease of driving, no need to boast of their ability purchase.

Insurance rental cars

2013-01-07T10:21:00.001-08:00

Renting a car is often the best option to move during the holidays, we can not help but have doubts about the possibility of having an accident, is an accident, a small scratch on the door trying to park or who suddenly find that the car is gone. This article aims to dispel these doubts and as far as possible make the best decision when we see the need.
Basic Insurance
The car rental companies offer their clients the following basic insurance: with excess, third and theft coverage.
In the case with excess or Waiver Collision Damage Liability, the driver is partially exempt from financial liability for damage to vehicles in the event of an accident, excluding those caused by vandalism. It is advisable to pay attention in this section to the franchise and the maximum amount. The excess is the amount that, in case of accident, pays the driver and is not covered by car insurance, while the maximum amount is the amount the insurance will pay in case of accident.The liability insurance protects you or others to any damage you cause to other vehicles.Finally theft coverage will provide protection against theft.

Supplementary insurance

    If you want to avoid the uncertainty of not being completely covered with an accident, any risk with damage Excess Refund reduces and sometimes even cancel the amount of the excess to pay in case of accident. Read conditions of this service as each company and the type of vehicle its costs vary from € 5 per day onwards.

There is also the comprehensive insurance without excess in which you should not worry about dealing with any excess and then apply for reimbursement.

Personal Insurance.

It is important to check what type of coverage is the driver and occupants of the rental vehicle. It depends on the company and the destination, the amounts will not be the same and in some cases we will not always covered.

There is a voluntary insurance liability, which in Spain is around € 300,000 and you can get to expand in its mode of supplemental insurance to 50 million. With the first in Spain are probably covered in other countries, the U.S. for example, you need at least a million dollars to a hit-and disability.

Exclusions
You should be aware that the insurance cover you ever exclusions not covered by the policy, ie damage to the ceiling or the underside of the car, the windows and wheels, unless otherwise stated. Neither personal items inside the vehicle. The most common exclusions include but are not limited to, the following:
• If the driver is under the influence of drugs and / or alcohol
• If the driver's name is added to the rental agreement, hence if more than one person is going to drive the rental vehicle is important to include in the lease
.• If the vehicle is driven carelessly, without proper care, including driving off road or on unpaved roads. Do not leave the paved roads and you dont even have access to roadside assistance coverage, or rent a car with your vehicle nor usual.Important, before signing the lease
• Read the contract cerciorándote to understand fully.
• Check what to do and who to call in case of accident or theft.
• Make sure the fuel type and conditions of return of the deposit.
• Verifies insurance coverage, and do not skimp by hiring additional coverage and / or additional damage supplements, sometimes the maximum amount is too low.

10 distractions that will make your insurance more expensive

2013-01-07T10:16:00.002-08:00

In the activity of insurance companies that do nothing but take the risk to charge a premium to the consideration of that may have to deal with compensation claims. That is, the business in the field of car insurance is to take risks by charging a premium sufficient to cover potential claims and expenses.
One of the most studied by insurers are the causes of the accidents, which can be grouped into the type of driving or vehicle type.
One of the key issues is that sometimes develop bad driving habits. We believe it is better to end such practices or else we will be forced to pay more for our insurance premium, by increasing the chances of having an accident, injury to yourself or others, or damage to property. This is to reduce accidents, something that suits us all.

10 easy tips
1. Do not eat or drink while driving. Distractions come in a wrapper, a paper or if we spilled food or drink. There is negligible loss of maneuverability to avoid if you do not eat or drink while driving.2. No speeding. To mention one example: the risk of scope decreases considerably behind. But there are many advantages because we won and we answer possibility less inertia.3. Avoid driving if you continue to feel tired. Rest at least every two hours is essential.4. Driving with proper footwear. Avoid sandals, heels, facing our movement more precise and unhindered.5. No talking on the phone while driving, unless we use the speakerphone.6. Never write text messages while driving. The view, better circulation concentrated in all the time.7. Do not read a map while driving, for the same reason as before.8. Avoid makeup or look in the mirror in place.9. No kill mosquitoes or bees driving. Wait and stop the car as soon as possible.10. Avoid mixing alcohol or any drugs and driving. The mixture is explosive for us and for you come across along the way.
It's good to follow the traffic rules to avoid accidents. Remember that if we are responsible for an accident, then the insurance company will increase the premium.Some insurance companies have a point system as the driver's license, with faults of three points or six points. If we exceed this score insurance start penalize you for it.It is the policy of insurance companies consider our driving record before also renew the policy.

Why no insurer wants to make sure?

2013-01-07T10:14:00.001-08:00

Whether in the case of a newly purchased car or cancellation, these are the words that nobody wants to hear your insurer: "your insurance application has been rejected," or "your policy has been canceled." Find that the insurance company does not ensure or has decided to cancel the auto policy is not the most common, but it is extraordinary.

Moreover, under Spanish law, effective in early 2008, all vehicles, including second hand, must have car insurance minimum coverage which is mandatory liability. Circular without it can mean sanctions ranging from 601 euros to 3,005 euros.In the activity of insurance companies that do nothing but take the risk to charge a premium to the consideration of that may have to deal with compensation claims.

That is, the business insurance sector is charging a premium take enough risks. An insured's typical thought is: "What a waste of money, do the insurance, which cost me, not have needed to use it throughout the year." But the company also argues thus: "In exchange for a policy of less than 300 euros and due to the accident caused by the user have to pay 3 million euros."

Determinants

The factors that make a company pigeonhole in a high-risk profile and a user rejects are two:- Type of conductor: the pattern following insurers is that younger age, the greater the risk, and also has the driving experience, as years of license. Thus, we reach a limit that makes the company reject the risk. It is the case of several insurers who reject drivers under 25 years and / or for vehicles with less than 2 years of license, or any age for that matter driving motorcycles or mopeds.

Unable to establish a fixed rule that applies to all companies, because while a limit on age and years of driving license it is 25 and two years respectively, this ratio up to other 27 and 5, for example .- Vehicle Type: A higher power / weight ratio, higher risk is assumed, so that it reaches a limit in which the company rejects the risk. This is the case style cars Ferrari, Porsche ... or other more modest as the Ford Focus ST, Renault Clio RS, the Seat Ibiza Cupra.As with the type of driver can not establish a fixed rule assuming cars "dangerous", and that while some companies can not ensure an Opel Corsa OPC, for others it is possible but prohibitively or to other normal risk is acceptable as any other vehicle.Moreover, these two risk factors need not be separated, but often analyzed as a whole, ie it is possible to secure a Citroen DS3 Sport unless the driver meets certain characteristics, for example, less than 35 years and less than 2 card.In the event that the insurer did not want to hire car insurance, we are able to recruit the required or mandatory liability insurance, which has the minimum coverage required by law. Only what we can find in the Insurance Compensation Consortium.

Reasons why your car insurance can be canceled

2013-01-07T10:13:00.002-08:00

These are, among others, the words nobody wants to hear your insurer: "your policy has been canceled." Find that the insurance company has decided not to renew the auto policy is not the most common, but it is extraordinary.
The legal minimum period to communicate the cancellation or non-renewal of insurance is 2 months, both for the insured to the insurance company.The car insurance companies can cancel our policy, but for this they need a reason. There are several reasons why it is justified by law and acting insurers to policyholders. These are:

    Late payment of premium: if we do not pay or late cancellation car insurance will be here soon. Insurance companies insist on the need to have all payments up to date as necessary to continue to ensure our vehicle. There are grace periods, which vary with each company and the type of insurance is agreed.

Falsehood in our statement data: If the insurance company finds out that we lied deliberately, immediately canceled our insurance. One of the most common lies in car insurance is the number of miles driven annually. Policyholders we can decide to hide the truth to get a cheaper rate, which carries the risk of seeing a claim to the insurance company is denied at the very moment when it is most needed.

Withdrawal or expiry of the card: if your driving license has been withdrawn or suspended on a casual basis, our policy will be automatically canceled, which in most cases also extends to people who appear as regular drivers of the insured vehicle. It is possible that in the renewal of car insurance, the insurance company check the status of our license, if you need to take action. Best, before any drastic change in the driving license, is to notify the insurance company.

Another circumstance that may be important is the inability to contact us. If we do not respond to calls or emails from the insurer, especially after the disclosure of a loss, whether guilty or not, the company can communicate in a future cancellation.
The positive if an insurance company canceled our policy is that we have to pay money back. If the insurer cancels car insurance, we expect to receive an income or check the time the premium has not been used.

No renewal
Besides the above, do not forget a similar concept, but not identical, which is not renewed. Is that our insurance company can decide not to renew our policy at the date of renewal. In this case, the laws are not as specific as in the case of cancellation of the insurance. Normally are cases that have taken place too many claims we've had too many accidents or traffic violations in recent years.The advice after learning that the insurance has been canceled or not renewed is not to use the vehicle to resolve your insurance. We can then get in touch with the insurer, or the insurance ombudsman, or even with the Office of Consumer Affairs.