Protection greater account
This article was translated by an automatic translation system, and was therefore not reviewed by people.
FernandoTaquari
Cooperative provides coverage in case of collision, theft and robbery
The associations for the protection relay is a novelty for those who can not afford or do not want to hire a safe destination. By using the service, members have their vehicles protected only against bumps, robbery and theft. To do so, pay a monthly fee cheaper than people who choose the safe, which also covers damage and injuries to others, and extra services such as winch and spare car.
The Superintendency of Private Insurance (Susep) said to offer protection relay, the association must be contracted by an insurer. "The consumer who buys an insurance policy allowed a company does not risk losing all the money paid," says in a note to Susep, the body responsible for control of the private insurance market. The president of the Union of Insurance Brokers (Sincor-SP), Leoncio Alvarez, said that these associations do not have sufficient financial reserves to pay for protection.
A pioneer in the country in securing vehicle, the Approva is four years and has 10 thousand members. Most are from Minas Gerais, where is located the headquarters of the association, which also operates in Sao Paulo and other regions of Brazil. The Approva is not contracted by any insurer. Still, Daniel Alessandro Costa, chief executive of the association, maintains the legal status of the company. "We offer protection and uninsured vehicle. Despite the same goal, are different things, "he said.
Costa said that the association records between 50 and 100 events (including robberies, thefts and collisions) per month and that there are sufficient resources to meet all registered vehicles, whose owners pay a monthly fee to be entitled to protection. The price varies according to the car.
For vehicles up to $ 25 thousand, the fee is $ 18, plus membership fee of $ 60. No apportionment of any injury associate responsible for damaged vehicle will participate in the cost with the equivalent of 3% of the value of your vehicle. This participation can not be less than $ 600. For comparison, a family man with 45 years of age, pay for an insurance contract at Porto Seguro $ 140 per month (U.S. $ 1673 per year) for a car valued at around $ 20 mil.
In this case, the coverage involves only collisions, robbery, theft and fire. To get the value, the company takes into consideration a number of factors, with age, marital status and region of residence the company beyond the model and year of the car.
Sari Gulcu According to Paul, a consultant with ADK, before choosing between insurance and vehicle protection, the person should get as much information about the company you want to purchase, regardless of whether an insurer or an association.
Source: Jornal da Tarde
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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