When hiring car insurance, one of the main doubts on the part of drivers is regarding how to activate their policy: knowing from what moment they begin to have the protection and support of the insurance company in case of needing any assistance or the help they will receive if they suffer a mishap.
Currently contracting this type of protection is becoming a faster and easier option to process due to the advantages of different platforms and digital tools to ensure that a person obtains insurance in a matter of minutes.
However, the immediate protection provided by these insurances may be conditional on compliance with some aspects that the driver must take into account and which, if not considered, may jeopardize the validity of the contract.
Alan Ortiz, Marketing Director of the Ahorraseguros.mx platform, explained that at the time the insured contracts a policy there are some determining factors, such as the fact that the policy is paid or a physical inspection of the unit to complete this validity and is fully protected, otherwise the company will not be responsible in the event of a claim.
In the case of payment, if you already have the contract but have not made the corresponding disbursement, the company will not cover the claim. “Now what the institutions do is that until the payment is released, they give them the policy. For example, if I process the insurance today and make the payment, I have coverage today, ”he explained.
The specialist indicated that, in addition to the payment, the companies require or carry out a vehicle physical inspection, this to guarantee that the car exists, is in good condition and there is no previous claim.
Omar López, general director of the insurtech Clupp, confirmed that the policy is activated immediately as soon as the user uploads the photographs to corroborate the condition of the car, from that moment the insured has the protection.
He pointed out that each insurer has its processes since some first ask for the vehicle data and then pay the policy, while others first pay and then provide the car information.
“The requested photos are important for fraud prevention. From that moment when the information is uploaded and the photos are uploaded, the contractor is 100% insured ”, he pointed out.
He explained that in some cases, when they are models that are not in the traditional catalog, such as the case of some motorcycles, it can take 24 hours to activate the policy.
Physical inspection
Most insurers carry out this physical inspection in the first 30 days, to verify that the vehicle exists, that it does not have any damage or damage prior to contracting, in order to exclude these damages from the policy. According to the experts, this review is done mainly to avoid fraud or fraud on the part of the insured.
“A few years ago, there were frauds, a person came, insured the car, said it was stolen and sought to collect the insurance,” said the director of Ahorraseguros.mx
He explained that once this inspection is done, either through an agent or the insured sends photographs of their vehicle, they have 100% protection. This physical inspection is even digitized and the insured himself can do it through an application for sending photos.
On the other hand, he detailed, in the case of companies that do not physically inspect, in matters of theft or total loss they may have a longer waiting time or they can carry out an investigation.
Ask the insurer
According to Ortiz, at the time of contracting the insurance, it is best to ask these types of questions since the insurer or the insurance agent are obliged to advise on the terms and conditions of the beginning of the term of the policy .
“It is important to ask the terms and conditions before hiring, that you ask the beginning of its validity, your policy, to have the guarantee that you are protected,” he said.
In the first 30 days, most insurers request a physical inspection, this to corroborate that the vehicle exists and check that it does not have any damage or damage prior to contracting.
Reference-www.eleconomista.com.mx