Practical tips to secure your car
• Coverages such as damage, theft or fire are some of the coverages indicated for new cars. • Hiring car insurance with franchise avoids the owners of new vehicles to pay high premiums. Buying a car is a great investment and, therefore, securing it correctly is very important, especially if it is a new one. In addition, all motor vehicles must have a policy that covers at least the civil liability to be able to circulate on the roads. So, if it's a car just out of the dealership, when should you hire the policy? And what are the coverages that should be included in the insurance of a new car?
When to hire the insurance? The Law on Civil liability and insurance in the movement of motor vehicles determines that all the owners are obliged to subscribe and maintain in force an insurance contract if they have their usual parking in Spain. If it is forbidden to circulate if it is not available, in the event that a car is purchased at the dealership it is necessary to have such coverage before leaving the enclosure. Otherwise, if a claim occurs the driver must deal with any damage occurring, in addition to a penalty.
Transfer Old car insurance When securing a new car there is the option to transfer the policy of the previous vehicle so as not to lose the premium paid. That is, since to be able to unlatch a insurance is necessary to notify the company with 2 months in advance of the date of end of contract, if this does not coincide with that of the purchase of the new car would be missing the part of the premium not consumed. Therefore, insurers often offer the possibility of applying the contracted coverages by adapting the premium (due to the change in the value of the vehicle or other factors). However, when buying a new car 2 out of 10 drivers will opt to change insurance by extending guarantees.
Hiring a new policy Another option is to hire a new car insurance. In this way, you can choose from zero the coverages that you want to subscribe, adapting your reach to the real needs of the user. This is a decision that is taken previously because it is necessary to remove the car from the dealer with the policy already contracted. If not, there is the possibility of hiring a car policy for days, which gives protection for a period of 1 to 28 days.
Vehicle protection level
The best insurance for an old car is not the same as for a newly purchased one. The insurers adapt the compensations to the value of the vehicle in question, and since each year that passes and more use is given is declining, it would be logical to hire a greater protection for the newer ones, although it is the decision of the taker. This is also due to the company being responsible for the costs according to the contracted coverages and the conditions (re-value, veinl or improved venal). After a sinister of similar characteristics, a new car could be redressed, while one that is 12 years old could be declared total sinister and its owner would receive compensation according to the value, which can be quite low. Therefore, the modality of all risks is contracted, in most cases, for vehicles that have fewer years.
Robbery With the guarantee of theft the insurer responds to the user in the event that the car is stolen, as well as its accessories or goods found inside. In this way the insured does not have to cope with the loss resulting from the criminal act.
Explosion or fire The insurer compensates the insured if the vehicle burns or explodes. In this way, whether it is possible to repair it or not the owner sees the event compensated.