Pay less who is more prudent
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Women are still seen as more responsible for the insurers. Both companies maintain that the discounts to female customers. And some even offer differentiated products and services.
At least when it comes to car insurance women continue taking advantage over men. But since they have the same profile. Sector companies still consider the female customers more cautious in traffic and account for less significant damage when involved in accidents. Some insurers offer differentiated services to women, but they all have in common lower prices. The difference in values is an average of 6%.
Ramiro Fernandes Dias, executive director of the Union of Insurers in Parana and Mato Grosso do Sul, says that about five years was less frequent offering different prices for women, contrary to what happens today. Even in the range of 18 to 24 years old, full-day, when the insurance is more expensive for both sexes, they pay less. "There are companies that put their products in some fragrances, such as a driver or taxi service, for example," says the director of the union.
This is the case SulAmérica Insurance and Pensions, which developed the Self Women, a product that focuses on safety item noted as essential for women in a survey by insurer. The company offers after midnight, a driver for the woman driving alone or in a car with only women. Amigo Driver can also be triggered at any time when the insured is unable to drive. It can also call a professional to change the tire or a car mechanic in case of failure (including lack of gasoline) as necessary.
Carlos Alberto Trindade, vice president of Auto and Mass Products SulAmérica, cites also the option of hiring a franchise zero. In this case, even if the injury does not exceed the deductible, the insurer pays the repair of the insured vehicle in the first claim. And so the product becomes even more feminine, the after-sales booklet even has a unique fragrance.
In Porto Seguro, one of the largest insurers in Brazil, the advantage that women have in relation to the male client is the discount. The products and services offered are the same for men and women. The insured has new tires, key chain, free taxi in case of removal of the vehicle, assistance for the driver who is unable to drive and discounts on the license, for example.
The insurer also offers services to home (repairs hydraulic, electrical, unclogging, locksmith, appliance repair, etc.), Help Desk with personal service by phone or for problems with computers, and Pet Housing (and free veterinary consultations discount on several establishments). For the policy Porto Seguro Visa Card with Stamp Program Relationship and services unique to Central Convenience, such as painting and minor reforms, discounts at restaurants, theaters and shows, and UseBike that provides bicycle racks with bikes to borrow for storage varies between the insured own bike store.
A quick search shows that each insurer seeks to include products and services that make their products different. The Agency, for example, copper in an accident, and the value of the franchise, other minor hits that accumulate during the policy period. And Bradesco holds monthly drawings of R$ 50 mil.
Good customer
A civil servant Maria Alfonsine Klingelfuss runs for 22 years and says he has always been safe for all cars had. Since 2006 she is with a Fiat Uno, which bought zero kilometers and has left the dealership insured. Currently, Maria is customers - up from Blue Insurance. As she never had to trigger the insurer has bonuses and pay less for insurance. "The last time I renewed spent about R$ 1 thousand," she says.
The advantages for women men eventually led car owners to do some maneuvering to get out insurance on behalf of a woman in order to reap the benefits. Brokers and insurers have an awareness to curb this practice and outcome. But still there are those who try to deceive the insurer. Remember, the profile questionnaire filled with false information may result in denial of coverage of an accident.
Source: Gazeta do Povo
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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