INSURANCE BROKERAGE
CAR INSURANCE
In accordance with Royal Decree 8/2004, of 29 October, by which approve the text of the Law on civil liability and insurance in motor traffic is approved, bearing in mind that the insurance of vehicles is obligatory; we wish to donate to know the main points of this one.
There is a wide market of covers, and for this reason Mestre Perolada carries out a study of the guarantees that best adapt to your needs.
At present, there are thousands of offers to contract an automobile insurance, many insurance companies have a low-cost subsidiary, and others only work via telephone or internet, in other words, to make a car insurance is easy, but this does not mean that it is the most appropriate for your situation. For this reason, we consider that it is important the presence of the insurance intermediary to be able to advise you about the differences between the products of each company, about the importance of having someone to ask, and above all to someone who can interpret the small contract letter with which to generate the main virtue of any mediated message: TRUST! In order to understand automobile insurance, we explain the different types of coverages for this type of insurance, it is important to note that not all companies receive the same or the same way.
The basic third party mode, which is the least covered, is the guarantee of the obligatory protection necessary to circulate. This coverage guarantees the damages that are caused to people and objects when the driver of the vehicle is responsible, or, to the contrary, the claim for the damages that may arise if you are the injured party. Including; the guarantee that you are not driving with your vehicle, for example, coverage in case of being hit by a pass of pedestrians for a vehicle.
Coverages may vary depending on each insurance company, but it may be that a company is covered by a specific coverage, and the same is not the case. Below is a summary of the guarantees that are usually included in this type of car insurance.
- Civil Liability Obligatory and Voluntary
- Legal Defense
- Indemnification of damages
- Claim of damages
- Bodily Accidents
- Assistance on the road
- Car glass
- Other services
Currently, this is the most recommended coverage when the minimum car insurance is referenced, the difference from the price is little to buy with the previous detailed coverage, and take into account the guarantees that add up to more.
As we have done with the previous point, here is a summary of these coverages:
- Civil Liability Obligatory and Voluntary
- Legal Defense
- Indemnification of damages
- Claim of damages
- Bodily Accidents
- Assistance on the road
- Theft
- Fire
- Car glass
- Other services
The all-risk, integrates all the previous covers included, with the particularity that assures all the damages themselves. In other words, the damage caused by the driver on the vehicle itself is covered whenever it is caused by an accidental impact or collision.
As we have explained, the third extended coverage is the sum of own damages, a coverage that can donate a lot of itself, in which case it is covered with this coverage and in which way.
In this section we have commented on the basic guarantees that are usually included, but each mode offers additional cover, some of which we consider should be included as basic, so we recommend on various occasions to include some of these. Our advice will always be focused on the needs of the client, to pose an example, we recommend including the extension of covers or natural phenomena (each company is identified with a different nomenclature) to an area where there is usually a chance of catching a squid.
FAMILY INSURANCE
House insurance is not obligatory in our country, unless the habitat in which it is located is linked to some type of mortgage loan. However, according to our criteria we consider that it should be obligatory, since a small breakdown, a distraction or imprudence can cause great damage, both material and personal.
House insurance is a multi-risk method of collecting a series of coverages that are considered basic to the majority of companies both to cover damage to our habitat. The ones that can be provoked to third parties, both by the insurer, and by the people that live in the house, always when it is difficult to justify through the census or other ways.
As with car insurance, there are optional coverages that we consider should be in the pack that we understand as basic.
Basic coverages:
- Fire
- Natural phenomena
- Rot
- Impact
- Electrical damage
- Civil Responsibility
- Damages by water
- Burglary
- Robbery at street
- 24-hour technical assistance
- Broken glass
- Sawmill
- Other services
Why should you contract a health insurance? Mainly to have the peace of mind to be able to have access to specialist doctors, to have a choice of professional law in the health sector, and most importantly, to have some alternative to Social Security.
There are different types of health insurance, but mainly without going into details, we can differentiate those that offer a medical service, to which the insured have access to the doctors and hospitals that are in agreement with the company. Or the refund policies for medical expenses, in this case, in addition to the above comment, you also have the possibility to pay the invoice and request the refund of the import, which in most companies used to be estimated at 80% of the paid invoice.
As for the variety of medical insurances, as we have indicated there are many, with or without co-payment, with convenient coverage for the client, so it is necessary to have a person who can assist you and who then interprets the insurance in order to be able to choose the most appropriate one for the client.
To have travel insurance is to guarantee a peace of mind in the event of encountering an unforeseen event outside your home. To make a life insurance, to protect you from inconveniences that may arise during the journey such as loss of equipment, cancellation of the journey or the need for health assistance to a foreign country, or obviously within the health limits of the country of destination, keep in mind that if we choose to live in the Amazon rainforest, we can also pretend that your original insurance company will provide you with the medical and health care that does not exist in this area or region even for the people who live there. From Mestre Perolada, we recommend a travel insurance in order to avoid that certain established counter-temps to the insurance contract, not all, may affect or conditionally the least possible a working trip or the long awaited vacations.
The function of roadside assistance insurance is to help people who find it difficult to travel outside their usual place of residence, normally they are usually assured that they will travel abroad, but it is not necessary to leave the country to take out insurance.
There are different types of insurance, with different guarantees and capitals, so we carry out a study according to your needs, depending on the choice and the activities that the integrands of the journey are going to carry out.
The duration of the journey will determine the duration of the insurance, since this type of insurance is temporary and not annual or most of it.
The main basic coverages:
- Medical expenses
- Stay at the hotel longer for illness or accident
- Sanitary transport for sick and injured
- Recovery expenses
- Advance return for companion
- Return of a companion and return to the travel plan
- Expenses of one person that accompanies the hospitalised
- Transport of mortal remains
- Loss or theft of the passport while travelling abroad
- Loss, damage or theft of equipment
- Delay in travel and equipment
- Loss of connection of flights
- Cancellation of the journey if not started
- Civil liability
- Indemnity for death or disability
- Other covers
COMPANIES INSURANCE
With commercial insurance, it is intended to provide a solution to unforeseen events that may arise in a business and try to affect the continuity of the activity as little as possible.
Trade insurance, we might say is similar to that of a home, is a multi-risk that offers various coverages but in this case focused on a commercial activity.
All insurance that affects a business is made to measure, meaning, each activity may require a different guarantee and this is our function, Mestre Perolada, who studied the market to assess which is the most suitable for your activity. You don’t need the same coverage for a business that is dedicated to the hostelry as a sale of stolen goods. The owner of the premises does not have to ensure the same as the owner of the rental.
We can summarize what could be considered basic coverage to commercial insurance:
- Content
- Continent
- Civil responsibility
- Atmospheric phenomes
- Electrical damages
- Damages by water
- Broken glass
- Robbery
- 24-hour assistance
- Legal protection
- Machinery breakdown (computers, electronic machines and other types)
- Profit loss
- Other services
Occupational accidents are covered by the insurance of agreement, obligatory for almost the majority of the companies or autonomist that have workers working for them. The coverages and capitals are stable due to the agreement to which their activity belongs.
These types of insurances are indicated to guarantee a capital in case that the worker in the complement of his function caused an accident or death mainly.
Bear in mind the possibility that during the annuity of the high and low workers’ insurance, these policies are regularized through the presentation of the TC2. In this document it is based on the companies to regularize the premium on the basis of the workers who have worked month by month.
The main coverages are:
- Death due to an accident at work
- Absolute permanent disability in the workplace
- Total and permanent disability in the workplace
Civil liability is based on the obligation to repair, through monetary compensation, a damage caused to another by a natural or legal person. Article 1902 of the Penal Code stipulates “He who, by action or omission, causes damage to another intervention, fault or negligence, is obliged to repair the damage caused”.
There are different methods of Civil Responsibility, and as we have commented on the rest of the products, each client deserves to have an insurance adapted to their needs. You don’t need the same cover as a bar owner.
Among the different modalities of Civil Responsibility can be found:
- CR exploitation
- CR professional
- Employer’s liability
- Decennial CR
- CR products and finished work
- CR subcontractors
- Environmental CR
- CR pollution
- CR of administrators and other executives
- CR carriers
CONTACT US
C/ Pere Martell 6, Despatx 3r
43001 Tarragona
Tel. 977 253 089
Fax 977 238 619
Mail general:
comercial@mestreperolada.com
Mail attorneys:
law@mestreperolada.com
Mail insurance brokerage:
insurance@mestreperolada.com
