| Hiring a car insurance company can be an easy | | | | will not be insured, and therefore will not be a |
| task, as the market is full of different options | | | | possibility of claim on the same. |
| that could be tempting, but there are some issues | | | | Another important fact that the policyholder |
| that need to be taken into account in order to | | | | would have to bear in mind is the possibility or |
| avoid an impulsive action and regretting it later at | | | | existence of franchises at his charge stipulated in |
| the moment of need. | | | | the policy and, thus, if they are adapted to their |
| First of all it is important to have it clearly | | | | needs. Regarding the collective insurance, each |
| specified at the front of the policy the starting | | | | policyholder is offered a incorporation certificate, |
| and ending date of the coverage. This fact may | | | | but the policy is given to the payee or contractor. |
| seem obvious, but it is very helpful to know | | | | The said certificate should include the policy |
| exactly when the service should be renewed. | | | | number, the number of individual certificates of |
| Another characteristic that is not always known | | | | coverage; date of emission; initial force; name and |
| by the car owners is that many insurance | | | | address of the policyholder and of the payee |
| companies do not renew or grant insurance to old | | | | consigned in the collective policy. The name of the |
| cars. The older the car is, the more difficult it is to | | | | individual insured should be included, as well as the |
| insure. | | | | risks that they are covered from. |
| In regards to the capital assured, the policyholder | | | | In order to get a policy, the policyholder should fill |
| should verify that the sum provided by the entity | | | | out a request of insurance form, which requires |
| is consistent to the true value of the vehicle on | | | | personal data as well as the kind of policy and |
| the market. In case that the interested party | | | | insured capital to be hired. Through this |
| wants to insure some accessories that are not | | | | information, the companies will decide to assume |
| included in the original model from the factory, | | | | or not the risk to provide the person with the |
| these should be discriminated and the value should | | | | insurance. Therefore, it is fundamental to answer |
| be detailed at the front of the policy. All the parts | | | | all the questions carefully and exactly. |
| and accessories that are not included in the same | | | | |