Clipping of news on Brazilian Culture, Law and Citizenship
24/10/2012
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Agency listed six consumer profiles and evaluated the best insurance in five capitals
SAO PAULO - A survey has revealed which insurers offer the best prices and auto insurance policies for six profiles of consumers in five Brazilian capitals.
The research evaluated the conditions of the contracts of these companies to indicate what are the most interesting for each profile.
Before giving the results it is important to know how to work the covers, which are divided into basic and additional types. The first, also known as comprehensive, indemnifies the insured in case of damage by collision, fire or theft caused by flood and waterlogging.
Among the additional, the most common are those of RCF (Optional Liability), which indemnifies injury (RCF-DC) and Property Damage (RCF-DM) if the driver causes an accident involving third parties. The PPA (Personal Accident Passenger) may cover the risk of death or disability for the driver and passengers of the vehicle. The reimbursement amount of RFC-DC is complementary to insurance DPVAT (Personal injuries caused by motor vehicles of land routes), paid in licensing the vehicle. That is, the insurer will only reimburse the amount that exceeds the DPVAT.
Profiles
Profile A: Man, 51, married, 22 years of qualification, using the car daily. Model - Corolla xei 1.8/1.8, flex, 16V Manual, 2009 - four doors.
Profile B: single woman 29 years, four years of qualification, use the car twice a week. Model - Celta Life 1.0 Mi, Total Flex 8V 2012 - four doors.
Profile C: 42 years married man, 13 years of qualification. Use car daily. Model - Goal (new) 1.0 Mi full flex 8V, 2012 - four doors.
D Profile: woman, 40 years old, married, 17 years of qualification, using the car daily. Model - Palio 1.0 Fire Celebration, flex 8V, 2012 - four doors.
Profile E: Man, 31 years, five years of qualification, use the car twice a week. Model - Uno Mille Fire 1.0, flex, Economy, 2008 - two doors.
Profile F: man, 24 years old, single, ten months license, uses the car daily. Model - Mi Goal 1000 / 100i, 1997 - two doors petrol.
Result
The Right Choice (annual cost)
| City | Profile A | Profile B | Profile C | Profile D | Profile E | Profile F |
|---|---|---|---|---|---|---|
| Salvador(BA) | Zurich Minas (R$ 1.405) | Zurich Minas (R$ 610) | Zurich Minas (R$ 927) | HDI (R$ 1.440) | Zurich Minas (R$ 1.244) | Bradesco (R$ 2.385) |
| Belo Horizonte (MG) |
Zurich Minas (R$ 1.627) |
Zurich Minas (R$ 574) | Sul América (R$ 1.014) | HDI (R$1.180) | Zurich Minas (R$ 982) | Sul América (R$ 1.825) |
| Rio de Janeiro (RJ) | Zurich Minas (R$ 1.466) | Zurich Minas (R$ 450) | Zurich Minas (R$ 798) | HDI (R$ 1.325) | Zurich Minas (R$ 1.080) | Sul América (R$ 1.463) |
| Porto Alegre (RS) | Sul América (R$ 2.391) | Zurich Minas (R$ 533) | Sul América (R$ 1.396) | Bradesco (R$ 1.603) | Zurich Minas (R$ 1.197) | Zurich Minas (R$ 1.198) |
| São Paulo (SP) | Tókio Marine (R$ 1.948) | Zurich Minas (R$ 609) | Zurich Minas (R$ 1.051) | Mapfre (R$ 1.298) | Zurich Minas (R$ 899) | Zurich Minas (R$ 1.400) |
Source: Infomoney
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This article was translated by an automatic translation system, and was therefore not reviewed by people.