The purchase of a new vehicle represents a fairly important investment, so in addition to having the compulsory insurance to drive, it is also convenient to be backed by other more complete coverage. Thus, if you are concerned about the condition of your car and want to be calm in the face of what may happen to it, comprehensive insurance coverage is the solution.
This type of policy offers a greater number of services than in the case of third-party insurance, such as coverage of own damages and legal defense. However, each insurance company establishes certain compulsory and other optional coverages in its comprehensive insurance. As with other insurance products, it is advisable to find out in advance what exactly the insurance covers and what cases are excluded.
In addition, comprehensive insurance can be differentiated into two types: with a franchise or without a franchise. In the first case, the insured must assume part of the costs of repairing the car in the event of an accident, but in return, the policy premium is somewhat cheaper than in insurance without excess, where the insurer assumes the total of the amount.
Most important coverage of comprehensive insurance
- Damage to the vehicle: damage to the car as a result of an accident is covered by the policy, even when the insured was at fault, provided that the reason is not included in the exclusions of the contract, such as driving under the effects of alcohol or drugs, in an illegal race, without a driving license or without the ITV in order.
- Extended civil liability: the amount of the insured’s civil liability can be extended up to a higher financial limit. In addition, comprehensive insurance also usually covers civil liability for damage caused to third parties by trailers or caravans, as well as by the objects transported.
- Legal defense: among the coverage of all-risk insurance, compensation for expenses incurred in case of legal defense and claim for damages caused by the driver or its occupants also stands out.
- Defense in traffic fines: with this policy, the insurance company is responsible for offering legal advice in the event that the driver has received a fine.
- Driver’s insurance: comprehensive policies usually include compensation in the event of death, permanent disability or health care for the driver. They also offer help to adapt the car and the house, or psychological or personal help in the event of a serious accident.
- Aid for withdrawal of driving license: this insurance protects the insured in the event that they are deprived of their driving license and at the same time, courses to recover points are also included.
- Extraordinary events: another coverage of the all-risk policies is that of personal injuries as a result of certain natural catastrophes, terrorist acts, or actions in times of peace by the Armed Forces and State Security Bodies.
- Broken windshield and moons.
- Theft of the car: the comprehensive insurance covers both the theft of some parts of the vehicle and its total theft.
- Car fire: damage caused by fire or combustion is covered by the policy.
Having a vehicle is an investment that requires permanent protection and care. Whether you just bought your first car or own a luxury vehicle, it’s always important to make sure your investment is protected. Knowing the risks to which our vehicles are exposed while driving in normal conditions, or when they are parked, is important when selecting car insurance. The best options are always All Risk Insurance coverage for vehicles. We explain what the all-risk car insurance covers and the advantages that MAPFRE offers its clients.
Vehicle insurance allows the protection of your investment against the damages that may be caused by third parties or against the damages that it may cause to individuals or private property at the time of a traffic accident. The policy gives you the security and peace of mind you need to circulate with absolute freedom.
The all-risk insurance coverage option, or comprehensive coverage, allows comprehensive protection of your vehicle against any risk. It includes:
Civil liability for the vehicle. It is one of the most important aspects, since it covers injuries to third parties, damage to private property or cases of death that may arise at the time of an accident in which the car is involved. Having a reliable civil liability policy is a guarantee that you will be able to face all the unforeseen events that may arise at the time of an accident, without harming your personal or family assets.
Coverage for damage caused to the vehicle. This coverage facilitates compensation for damages suffered by the vehicle while it is driving, it is parked or in the event of eventualities such as an earthquake, acts of terrorism, bad weather, etc. MAPFRE has the support of permanently audited dealers and workshops, which guarantee repairs and the use of original spare parts. Coverage includes windshield damage.
Coverage for partial or total loss in case of theft. The vehicle policy against all risks is a guarantee in case of theft of parts or when the forced disappearance of the car occurs. The insured has the assistance of MAPFRE for the attention of each case, with the replacement of the vehicle or the stolen part.
Permanent travel assistance is one of the aspects that stands out in comprehensive insurance, since it guarantees that you will arrive at your destination in the event that the car suffers a mechanical problem during the trip. The insurance provides a transport service that will pick you up on the route and take you to your final destination.
Offer of a replacement or substitution vehicle, in the event of damage, fire, theft or any other claim covered by the policy. Through this option, the insured can access a car loan, owned by the insurer, for a time determined by the parties, in the cases of the aforementioned incidents.