Why Direct Car Insurance

On day 22 March 2012, as usual each month, the insurer Direct Insurance, a company specializing in direct selling car insurance and motorbike, has published on its website the full report on the average price of insurance automobile.

The Security Price Index (IPS) is a monthly report by the company in collaboration with the Kronos consultant. It compares the price of car insurance in eleven insurers referenced in Spain by analyzing the different types of insurance: Third Party Basic, Expanded Third, with excess and no excess.

Among other information included data on the evolution of the average price over the previous month and year, so you can see the trend of this indicator.

Going into detail, one can see how the IPS was not affected with respect to January in three of the four categories analyzed. The only difference is the mode with excess of decreasing their average price by 1% over the previous month. The report notes that there are insurance-specific fluctuations especially in the category of Third Basic up to 5% 9% up or down depending on the insurer.

A detailed analysis by category reveals that the average price in both the category and in the Third Basic Extended Third Party insurance is maintained at the same level, 391 euros and 440 euros respectively.

The categories that recorded some kind of change are with excess and without excess. The former has suffered a decline and stood at 99 points against the benchmark index 100 in January 2012 and in the second case the IPS in February stood at 100 points against the benchmark index of 100.


About Direct Insurance

Insurance company direct sales specializing in the field of Automobile Insurance. With an experience of over 15 years and over 500,000 clients in Spain, offers competitive prices and quality service based on direct care through internet channels and telephone. Direct Insurance offers maximum coverage and policies, always adapted to the particular needs of each client.

It is 100% owned by the AXA Group, belonging to the division that the company has created for its direct business activities.

How Much Should You Pay For Your Car Insurance?

How much should I pay for insurance for all reisgo? Why a third? Is this price is cheap or expensive? Although a lot of influence variables (type of car, driving license, coverage and additional clauses in the insurance ...) should know the market trend to see if your insurance is in market prices or, on the contrary, it is worth listen to offers.

Each month we publish the Security Price Index (IPS) is a monthly comparison carried out by Direct Insurance in collaboration with the Kronos consultant that analyzes the evolution of prices in the eleven reference direct insurers in Spain in the different modes insurance. By the way, if you know what insurance you need, you may be interested in this article, indicating what insurance is the most appropriate depending on the type of car.

With the IPS is easier to make a decision about hiring the company and the type of insurance based on their prices. We analyze the change from the previous month and year. Thus, and from this benchmark shows the trend and evolution of average prices in the market for car insurance throughout the year. This study analyzes data from Direct Insurance, Balumba, Click Insurance, Phoenix Direct, Genesis, Direct Line, Mapfre, Mutua Madrileña, Pelayo, Regal and Verti.

The latest data show that the IPS insurance average prices closed 2011 with a drop of 3.75% cumulative average in the four modes of seguros.En this picture you can see the maximum and minimum prices throughout 2011:

Maximum and minimum price insurance in 2011.

So it can be a good time to see insurance deals (here we tell you what to do to change insurers). Let us now analyze in detail the evolution of prices of different types of insurance.
Third Basic

Development of safe third grade in 2011. Source:

According to the report of Direct Insurance, this insurance index closed 2011 at 97 IPS, three points below the benchmark index 100 in January 2011. August and September were the highest peaks fall (up to four points below). The average price in December of third-party insurance was 398 euros compared to 410 in January. This downward trend is worse in other comparative: Whoever hired a basic third party insurance in August saved from December 3 euros to 15 euros compared to what was discharged in January.
Third expanded

Evolution of extended third-party insurance in 2011.

One of the ways that experiences higher down regarding the figures earlier this year. Closed 2011 at 95 points, five below the reference index 100 in January (20 euros cheaper than earlier this year, which cost EUR 463 Average Price). However, the rates went up 1.61% this month compared to November. The month was September cheaper, with an average price of 434 euros (93 points in the benchmark) and premiums were highest in February, which reached 465 euros.
With excess

Evolution of insurance with excess in 2011.

The largest decreases with third expanded, up to 5% at year end. The average price in December reached the figure of 610 euros (650 in January). The largest decreases month was September, which stood at 92 IPS, eight points below the benchmark index 100 and 594 euros in January average price.
No excess

Evolution of insurance without excess in 2011.

Insurance are less down around 2011 (2%). Ended the year with an average price of 1092 euros, 6 euros less than in January. The figure was lowest in August (and 2010), where prices fell up to 1069 euros on average.

Auto Insurance for Used Vehicles

The seventh Used Vehicle Fair City Zamora is now a reality. From midnight today through Sunday, IFEZA hosts the event in which customers are looking for bargains and dealers increase sales-The automotive fairs are already a classic in Zamora.Yes, this is now the seventh exhibition of its kind to be held in Zamora, and the fourth to let us. Usually organizes an exhibition of vehicle and a new vehicle, but the latter failed to do and has invested heavily in equipment.-Just the sales of used cars living a good time for the increased operations, the opposite happens in the case of new vehicles.-Data national sales go to the first quarter of this year show that the operations are down by 3.7%, but in the last month, in April, have risen by 12%. The numbers still are not good, but keep in mind that are still selling two used cars for every new one that had never been, and now with the current economic situation is unusual.- In Zamora repeat the same figures?-In Zamora are not exactly the same, but used vehicle sold more than new, not even two-hand for each new, but close.- What kind of vehicles are being purchased now in the province?-The majority of sales nationwide, and Zamora is part of that market, affect the vehicles cheaper. The car he was banished, the car mileurista of thousand euros, has re-enter the market. The best-selling cars are coming down from the 7000-8000 euros.- What can a client take home € 1,000 in your pocket?-You can buy a car with many years in very good condition.- Do young people have easy access to your own vehicle?'I have a hard time, but not because there is no market, but because they have no access to credit.- How many units will be part of the show?-All the plots of the show are busy, there are even people who have been left out. We now have 17 exhibitors, not all dealers if there are purchases in relatively high. In total there will be about 300 vehicles.- How many surplus may be in the province?-Not all brands of Zamora are in the show, which will be many more, more than triple those going to the fair.- Is it difficult to sell the cars in stock?-The problem today is the low cost cars, but it is in the used car of more than 12,000 euros, which was precisely what was once sold better. Everything is motivated by the credit crunch by the financial filters, which do not give money. So it is very difficult to sell a car of 15,000 or 20,000, because few people have saved.- Will they lower the prices of these used vehicles are not available to the majority?-No. If anyone can buy both a new vehicle as a used car, we are undoubtedly the best. That can buy you will not find a better market position right now, or used or new. The timing is exceptional to buy, but also the difficulties are great.- Increase sales at fairs like this?-My theory is that the Used Car Fair is rarely lacking. Rarely a display that does not cover costs and not make money, that's more difficult in the new vehicle, because it involves a stand worth much money, which the equipment fails, the costs are lower. .. Therefore, all that is sought is to output the stockage and usually work pretty well.- Are there discounts on the occasion of the show?-Usually the speakers usually make a fair campaign in which some prices bonifican, there is usually best deals, but not all, some maintain prices and use the show as a showcase for access to more people. Still, almost 90% will do some kind of offer, so prices are going to be better than the dealer. By simply selling more going to get the cheapest prices.

Travel Insurance - What You Need to Know

One thing we all have to buy before leaving our long-term travel is travel insurance - travel the world without insurance is not really worth it in case something serious happens.

But the travel insurance industry is like a huge jungle, it is some what difficult to know which one to choose and what would normally be covered.

Comparing different travel insurance companies, which often look very similar on the outside, but actually very different when it comes to detail.

If you are not sure exactly how long it will be out, make sure the travel insurance company allows you to update and expand its travel insurance is also a great advantage if they can pay the difference if they go home early .

When comparing travel insurance, make sure you understand:
Stolen, lost and damaged

Loss of passport and travel documents and belongings such as jewelry, clothing and electronic devices must be covered.

However, there are many circumstances where the travel insurance will not cover.

In short, cover your belongings if you was stolen despite being locked in a safe or hidden storage compartment, or in case of theft of you while you are carrying.

What is not covered ...
It will cover you if you left your luggage unattended in public areas, for example, care for the safety of their belongings.
Medical expenses abroad / Dental
If you become ill or injured while traveling that can cause serious damage if not treated, the insurance must provide coverage for urgent medical treatment and necessary and emergency dental treatment or hospitalization.

What is not covered ...
I will not say it will not cover plastic surgery and the like, but we also know that does not cover checkups, immunizations, sexually transmitted diseases, treatment when damage was caused by alcohol and drugs (remember a !), a chronic and recurrent, and pre-existing medical conditions that were there before you start traveling.

Compare this carefully between different travel insurance, especially if you have planned to do some adventure sports.

Many insurance companies such as insurer Carole Nash have different types of insurance offers according to what you need and how you're traveling, whether you go on vacation two weeks of skiing in Europe or the backpack through South America.
Cancellation of flights and accommodation

If your trip is interrupted or if you fall ill before your trip and have to cancel pre-booked flights and accommodation due to illness or the illness of a close family member or death, which should be covered.

The insurance must also cover the return flight, if there is an emergency and must interrupt your trip.

If transportation is canceled due to bad weather, illness or failure in the transport service provider, travel insurance should cover the cost.
Good to know ...

If your flight is canceled for any other reason, overbooked or delayed for more than six hours many insurance companies will cover reasonable expenses for hotel, meals and local transportation.

Other Things Travel Insurance must cover: 24-hour emergency telephone assistance, personal liability coverage in case of damaged property or personal injury Part 3 and all countries to be visited and the duration of your trip ( including the day of his return).

Now that you have a checklist on what should be included in your travel insurance, compare different companies each other and see if they all cover things up, and if some even have additional benefits.

Edreams Travel Insurance

This blog is about banking abuses, but as insurers tend to be in the hands of banks, I comment my case with insurance Intermundial hired by Edreams. Well, this insurance provides compensation for delays, and on a recent trip to Mexico, I was almost seven hours at the airport Charles de Gaulle in Paris. Since I had insurance, I decided to claim the $ 50 that say they offer this type of incident, plus expenses, in this case three coffees and a sandwich.
After calling from France to 902240203, having a good time to tell me little music that I have to request certificates for the delay. I go to the counter of the company, and after 40 minutes standing in line give me a paper that just confirms it. It also produces a delay on the next flight, but in this case as I get to Madrid later than 12, the Air France office is closed. New lamada to 902, and eternal little music. Finally, I serve and are to send the certificate ... several more calls were necessary, because the certificate never came.
Once collected the certificates of delay, the processing is very simple. Just provide the original and copy;
-ID of the traveler
-Boarding Passes
Living expenses-Original
-Original Internet in airport charges
-Certificate of delay Air France flight to Paris
-Certificate of retaso Air France flight to Madrid
-Book of Flight
-Documentation Bank account
-Claim
Well, basically take the afternoon preparing the "dossier" and then send it certified, or take in hand the c / Irun, 7, a place to park a great time, and after 40 minutes waiting for you seal your copies and swear and perjure to answer you in 15 days.
After multiple calls to 902240203, and hear all kinds of symphonies phone tell me that my file has gone to Barcelona, ​​and the 933001050 tell me that is being processed ...
All documentation was filed on February 16. On April 28 I'm still waiting reply to my complaint file number AS6664523. -
My advice is do not hire this type of insurance, as to charge 50 euros for compensation you spend 100 euros in 902 certificates, postcards and especially patience ..

Take Out Travel Insurance For Your Holiday Abroad In

Usually when a person plans where you will spend your next vacation, does not consider whether a problem will happen during your trip or stay full, and that is that in most cases all goes well not having to get alarmed, but there the latent possibility that something bad might happen, for example, canceling a flight, lost luggage, illness occur, an accident, or through circumstances fatal.

This post just remind you that we must be aware to prevent possible adverse situations that do not have adequate travel insurance, we would simply have to shell out large sums of money to deal with this difficulty in a foreign country. So if you compare these potential costs versus paying an insurance policy, agree that it is much better protected with this type of product to adverse contingencies.

Travel insurance need not be perceived as investment of excess cash, the traveler often has this preconceived idea, but the truth is only true if we do not properly inform their coverage and what in really need.

Note that not all travel insurance are equal, the market offers a variety of products to analyze and compare, but always adapted to the individual traveler depending on travel time, destination and other aspects. This will make the price of the policy is variable according to the coverage you choose.

You know, if it will soon be traveling abroad for tourism purposes and will travel to several cities and countries, but never, never stop taking out travel insurance that covers everything you need to live if an emergency. Course, contact the insurer is the last thing we want during our pleasure trip, but you better be covered.

Read through the policy, including the fine print. We are sure you will find one that meets the ideal conditions for your trip.

You can also ask our partners counter the type of travel insurance with which we work. You can use our booking form or contact page to request more information.

Travel Insurance For Students, Parents More Relaxed ...

Travel abroad always represent a great challenge, is the opportunity to meet and interact with other cultures, especially when one is young and wants to "devour" the world, to travel abroad either for an exchange or for a place in a center student abroad is an opportunity not to be missed.

If you have already obtained the quota or has earned a scholarship undergraduate or graduate degree, the only thing left to do the suitcases ready and prepare the necessary documentation, however, must take into account other factors such as financing, safety and health coverage.

You need to budget more or less real for the coming months.

Security is another aspect to consider, try to be alert to situations of risk, suspects and protect the original documents can ensure not go through an awkward situation in another country.

And of course medical coverage in case of an emergency, we must remember that there do not have the presence of relatives or acquaintances, which makes it very important to think about the different possibilities that may arise.
Prevention against potential events affecting their health

Currently, the requirements to qualify for a student visa is owning a travel insurance for students, there are several policies such as those offered by MultiNational Underwriters, with your policy SM Secure Student

This travel insurance for students enables young people to take two insurance options: The premium or simply opting for basic coverage, which is not synonymous with poor and guarantee from a possible medical evacuation coverage for various medical expenses up care in cases of terrorism.

Other situations covered are: maternity, sports, mental, dental, death, dismemberment, repatriation of remains to the mortuary.

For this complete coverage the student must demonstrate that their educational activities abroad is full time in a college, not a resident of country to visit and have a student visa.

Remember that prevention is better and the issue of health, it is best not to take risks involved from burdensome costs to the life of your loved ones.

What You Need To Knoiw About Long Travel Insurance

Traveling overseas is like investing a huge amount of money from a certain company. Like any business, you must have insurance. In this particular case, you must obtain travel insurance. Now, most of the people travel for a couple of days or weeks only. But for those who plan to stay well out of time, travel insurance long term is a good choice and a right.

The cost of living abroad is quite expensive, especially if you are there for a long time. Not only that, the risk of encountering an unexpected injury or accident is also quite high. There are different variety of insurance and travel insurance is just one of them. Now, under the travel insurance that will still have to choose between different types of coverage. For a longer stay abroad, you may want to hire a travel insurance long term.

This type of insurance is like any other travel insurance plan. can protect you while you're in an outdoor environment. However, your trip will be covered by a long period or duration. Individuals carrying more than once within a year must obtain this type of travel insurance because of the many benefits. You can also save your time, money and aggravation. With this policy, you have to buy travel insurance every time you go overseas because a policy can cover multiple trips in a year. As his journey into the 'insured', you are safe and secure.

If you have travel insurance long term, may be insured against theft, medical emergencies, death and many other situations. The carrier will determine the restrictions and this happens with any type of travel insurance.

The costs differ from one carrier to another, but if you give yourself time to buy travel insurance may be able to find a less expensive insurance plan. this type of insurance is pricier than other types of travel insurance, but it really is a wise investment, especially if you travel frequently. When looking for a good insurance company, make sure you choose one with an excellent reputation. The carrier is specialized in providing travel insurance long term.

So if you plan to be there for a longer time  or if you travel abroad a lot, there is a need travel insurance long term. What you have to do is contact your insurance provider. They ask for travel cost estimates, so that premiums can be calculated. Try to be realistic especially with the cost of insurance. In doing so, you can avoid problems and be uninsured. If in the future you want a perfect, worry-free trip, make sure you have travel insurance long term.

You have two choices: you can talk to a licensed insurance agent or go to the official site of the insurance company and help yourself to the various resources there. After the unexpected can face in their travels.

Get a quote now or perhaps several appointments so they can opt the best among them in terms of price and coverage. There are websites online that allows travelers to compare various travel insurance plans, take this great opportunity to purchase long-term travel insurance online. This certainly is an investment that you will not regret.

Insurance for a Mortgage

"Under the Law on Mortgage Market and the implementing regulations, the only compulsory insurance for a mortgage is the fire.

This means that the entity granting the credit must require the mortgaged demonstrate the acquisition of such insurance on the house Insurance hogarhipotecada, but this does not grant the right to force his client to purchase such insurance on their own an insurance entity or associate. "

He explains in Consumer Magazine Article Mortgages: compulsory insurance "only puts the Mortgage Act as a condition of home purchase insurance that provides basic coverage against flood, fire or earthquake."

Anyone who has signed a mortgage will have had to accept the terms of the bank, not only in terms of interest rates, repayment terms and variable fee, but also in terms of the subscription of other products: debit receipts and payroll, acquisition of credit cards ... a kind of exclusivity with the bank.

Many of these partners offer clear advantages and conveniences to the customer but also must be aware of the costs that may ensue.

Coverage which requires the law refers to the mainland, but not the ground or the content. It is calculated on the basis of "value for insurance purposes" to put on the appraisal. This is to reassure the client, but also to the financial institution. Thus, "minimal risk should be covered are fire and explosion, and natural contingencies such as storms or earthquakes."

It should be clear that hiring a Home Insurance or Life is not mandatory when hiring a mortgage. What the financial institution can do is reclaim the interest rate according to the additional products contracted, but these bonuses must be in writing the mortgage loan. "Thus, a mortgage Euribor plus 1% can be in Euribor plus 0.75% if, among others, hire a home insurance and payroll are domiciled and three receipts. These bonuses will consist in the deed of mortgage. "

The article ends with two paragraphs Consumer inviting, as it can not be otherwise, to learn good advice properly and do the math:

    If insurance and other related products functioned as a condition for granting the credit, but not the interest rate bonifican unrecorded in writing, may be removed every once signed this or once the policy has lapsed.

    Now if it subsidizes the interest rate for each product associated to cancel, this may rise in the next revision of the quota. So if you decide to cancel a life insurance pact will increase the interest rate, but this insurance is not compulsory. In this case, no doubt, there is a need to do numbers, to see what specific needs.

The best advice is to compare the different offers and weigh the advantages and disadvantages of each. And you are never in doubt and consider that we have no power of decision.

Home Insurance Companies

The protection of each member of our family is of paramount importance in regard to a set of measures that allow us to be quiet in case of theft, loss, fire, accidents at home or any disaster. In many European countries including Spain, each year many incidents occur that jeopardize our financial stability and security of our home and a good home insurance policy can recover those material things that if they are recoverable after having preserved our lives. When we choose a home insurance company should consider the following.
Excellent Reputation: Reputation is a fundamental element and it is very important that we handle it with sufficient caution. It is for this reason that we must take into consideration whenever a good insurance company.

Good coverage: Coverage is a promise that makes the home insurance company and this has a certain range. It is important to know the type of coverage you are paying to avoid surprises at the end of the day.

Acceptable price: the price is always an important factor but not the one who should determine buying home insurance. We must evaluate all the factors together with the price and choose the best option among all.

Guarantees: A home insurance firm that not only flexible but also offer you this guarantee in case something happens is the home insurance company you should choose for you.

General Manager of Corresur, a company engaged in insurance brokerage for three and a half years

General Manager of Corresur, a company engaged in insurance brokerage for three years. Stresses the importance of sector audit now returned to the Insurance and Pensions Authority. And it claims that the insurance market has tripled and there is a greater awareness to protect the lives and personal property and business, but lack several informal economic sectors have clear and orderly so that they can access an insurance program.

- The license was granted by the Corresur Supervisory Authority Financial System (ASFI) and are now audited by the Audit and Control Authority Pension and Insurance (APS), is there much change?

- Until March of 2012 depended on the ASFI, which saw banking, securities and insurance, and came to depend on the APS. When we relied on the ASFI, we believe that the audit was more flexible, if it is the term, because it specialized in banking and insurance (Ed note: formerly the Superintendent of Pensions, Securities and Insurance and oversaw regulating sector companies insurance). This responsibility was control for a couple of years by the ASFI.

- What requirements will make these businesses?

- It must be a limited liability company or corporation, can not be a sole proprietorship. It takes a minimum capital of 17,250 Special Drawing Rights (SDRs) that more or less equivalent to U.S. $ 30 000. Other requirements are a professional liability policy, a policy of errors and omissions for the proper functioning of the company that is deposited on the APS and serves as collateral. There are other requirements under the Commercial Code. It is imperative that a business plan is submitted to the APS and demonstrate that you know or have worked in the insurance market.

- What is dedicated Corresur in the insurance market?

- An insurance brokerage company, is the intermediary between private clients and insurance companies. We do design insurance program for the client, we give the contributions we can get in the market and the insurance company pays us a commission awarded which is included within the premium paid by the customer. Usually offers a yearlong event of an accident at that time, we take care of the whole process until it is recovered from the policy.

- What kind of customers serve and which sectors belong?

- We work with private companies and embassies. We consulted for YPFB Transport, Aviation Bolivian BoA, Ministry of Education, Ministry of Health, EPSAS, and aircraft of the Ministry of the Presidency.

- What types of insurance?

- All. Can make from a vehicle, aircraft, businesses and factories of all kinds. We work in general insurance with the seven companies currently on the market, and with six people in companies specializing in personal injury cases, health insurance or life.

- How many claims have been addressed in these three years?

- Various and different magnitudes. One, quite complicated in their attention, was the collapse of the pipe Hampaturi Dam in 2008 (about U.S. $ 350 000). Another is the fire in the former factory Said, the Cecolap, where the Ministry of Education we hired exclusively for this claim in which lost about U.S. $ 3 million in assets, had computer equipment, looms, books and more. A couple of weeks we received information from the insurer that the claim Fortress is accepted. We also treated a number of incidents of navigation.

- Why is it difficult to accept insurance claims?

- Every insurance policy has rights and obligations and must be shown that the loss is payable to all documentation required by the insurance company to give us the acceptance of the claim. When the disaster occurs, the broker must be at the client side.

- With paid-up policy and the day?

- If you design an appropriate program of insurance, the probability of a rejection of a claim is minimal, is charged because the suspension is automatic coverage under the Code of Commerce.

- What if the accident happens on the day to be paid or the next?

- The first is that the policy is paid if you have coverage and everything will be fine. Companies analyze customer payment behavior. I'm sure that could be considered 1 or 2 days.

- Develops a culture of insurance in the country?

- Since the implementation of Mandatory Social Security and SOAT (vehicles) is creating a lot of awareness in the Bolivian population, the insurance market has tripled in the last 12 years. Still not high. The market is around U.S. $ 244 million (data from the APS to November). Other countries in the region have increased spending on insurance.

- What does it take for the market to develop more?

- In many cases need to formalize many sectors of our economy. When asked for an inventory or financial statements to protect heritage problems of the people of Eloy Salmon Huyustus or small workshops in El Alto. They have no information for companies to design appropriate products.

Profile

Name: Alex Haro Profession: Economist Title: General Manager of Corresur segurosPaceño expert brokerage. Economist from the Universidad Mayor de San Andrés. He has a Masters in Business Administration from the University Los Andes and a Master in Management and Risk in the Andean University. Working in the insurance industry 25 years ago. It started in Ciacruz, which is now fused to the Bolivian, seven years later in Insurance Illimani and from 2000 to 2006 in the Adriatic Trade Management. He then set about forming his company, engaged in insurance brokerage. A talk, a day in Santa Cruz, gave way to create a partnership with Marcelo Montalvo and then with her sister Marisol Haro. Received its operating license in September 2008.

Insurance Companies Warn Not Enabled

The Superintendent of Insurance (SIS) warned yesterday about the presence in the country of foreign companies are not legally authorized to operate in the Paraguayan market.

It was during the presentation of its financial indicators report, for the first two months of the year.

A total of 10 foreign firms identify the SIS did not have legal permission to offer services in the local market or government offices to which the user can use in case of problems, explained how the regulatory body of insurers.

The firms named in the table were reported by users concerned and in other cases by other insurers.

As explained from the Superintendent of Insurance, these companies are not qualified or authorized to issue policies or insurance coverage of any kind, either as insurance companies or as authorized representatives throughout the country, in accordance with Article 125 of Law 827 / 96 which governs insurance companies.

The Superintendent of Insurance has the supervision of a total of 32 insurance companies and can access the details of each on the website of the Central Bank (www.bcp.gov.py).

External trade


The type of operations that often have involvement of these companies are international trade, such as buying foreign goods, including vehicles or other goods.

When purchasing goods from abroad, the person may engage in that country a safe transport of these goods, which can not be done, or you risk doing so is to accept a policy of alleged local representatives of one of those insurance because they have no jurisdiction Paraguay and, consequently, the user will not know who claim, much less think about opening a foreign judgment which should enable a security deposit for the effect and costs themselves are enormous. In this sense, the SIS has already received several complaints in his office in defense of the user, as a result of claims that these companies did not pay. The losses caused to users any company would total $ 100,000.
Indicators


Moreover, the superintendent of insurance issued yesterday the financial position of the 33 companies qualified, with key ratios to February this year. Among those who emphasize the gross loss ratio (from accidents or incidents occurring to February) with an average of 48 points. The highest rates recorded Paraguayan Company SA The Southern (91 points), well above the system average, and Sancor Insurance (54 points). While the index of system performance (profit) was 10 points, recorded negative returns Empire Insurance (-24) and Sancor Insurance (-16).

What To Do To Change Insurance Company

We've all been in the position of having to change insurance company. The reasons may be of various kinds: price, coverage, discontent or recommendation, or even "imposción" when purchasing a product, such as when signing a mortgage.

But to make the change of insurance company with all the guarantees and no surprises later, we must take into account changing aspects segurosalgunos company.

The deadline established by the Insurance Contract Act (Article 22) to notify the company change is 2 months. The notice must be in writing the policyholder.

If done with that notice, no problem.

If the notification of the change in company with less than 2 months, several things can happen, depending on the company, the amount of the policy, quality customer ...

- The company affected by the change may be sued for that change to try to reverse it, for not having communicated within 2 months prescribed by law: It involves many steps subsequent returns of receipts, paperwork, etc ... and it can get to involve the duplication of the policy for the same product (car, home, motorcycle ...) with the complications that can lead to this issue in case of disaster.

- There are companies that notify the client by letter that made the change after the deadline. This is to not only the more or less automatic notification, but "pressure" the client to keep the policy with them and not lose it.

In both cases, as with telephone operators (whose practices we are more used), the insurer or insurance broker involved can contact the customer to investigate the reasons for the change and eventually make a counteroffer that convince the customer to stay with them.

- It sometimes happens that the affected insurer simply run the subject of complaint because the effort is not worth: the value of the policy or the "importance" of the client. In this case

In any case, it is best to tell the company to change the 2 months before established by Law to avoid problems.

It is also common practice in companies, but perhaps not all, notify the user with those 2 months maturing and subsequent renewal of the policy in force. In this way we will be informed of the deadlines and we can make the decision that suits us.
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Car Insurance: Insurance Companies

An insurance company, insurance company or insurer is a company dedicated to providing security services through insurance contracts. The security service is to hedge certain financial risks to certain economic units of production, consumption, use, etc..car insurance companies car insurance: service companies segurosEste born by the need to protect certain property from future risk, random and unknown. As a purely security service, not just about see it as an economic activity, but rather it is also an activity that meets, or must comply-with a technical, legal and moral to ensure an end.In terms of safety, the concept of risk is used to define any insured property and the possible occurrence, at random, any event that may result in financial need and whose existence prevents and guaranteed by the insurance policy. There is also a need between the different kinds of risks, at least must be present at least two of them are:

    * Speculative Risk: difficulties and dangers faced by the entrepreneur to profit devoted to their business.
    * Pure risk: refers to the possibility of occurrence of the event.The insurance company, as stated above, must compensate financially harm. This compensation could be done by two means: the public and private sectors.

    * Public or called 'Social Security': The mandatory system covering the states or governments and are directed to the welfare and protection of its citizens, both directly and indirectly workers to their families or assimilated. The premium, fee or bond to cover these contingencies is provided (according to different scales) for workers and businesses together, in the case of employees, and only by the workers, they should be autonomous.
    * Private or so-called 'private insurance': They are private companies hired by the insured with full power to choose the insurance cover, they clearly depend on the objects to be protected. The premium, fee or bonus is paid wholly and exclusively by the insurance applicant. Examples: car insurance or car insurance, safe harvest, transport insurance, among others.