free instant auto insurance quote

free instant auto insurance quote 

Investing in safety in the car can help you save money on insurance, not to mention the obvious, which is that a safer car can save lives and minimize the effects of a disaster.

But do you know how many accidents save drivers the security gains? According to recent data provided by Audatex , expert in the development of digital solutions for risk management and assets of the insurance industry and the automotive aftermarket, security gains have resulted in a significant reduction of accidents. In this regard, reports Audatex over the past 10 years the front impacts has gone from more than half of accidents (54%) only a third (33%). He says this is mainly due to technological developments in the security of vehicles, such as sensors collision warning, adaptive cruise control.
Now is the rear impacts that are now common, and have gone from being the 30% of claims to 49% today. Side impacts are kept at around 18%.
Audatex

most common repairs

As for the most common type of repairs on vehicles after an accident, depending on how the collision and vehicle damage in many cases the replacement of parts is required. When can be fixed with a repair, Audatex reports that the rear side panel is the most serviceable of all that make up the body part. In these cases, drivers are faced with an average cost of 118 euros.
In this sense, Audatex also indicates that when a car hit another in his side suffer too much other body parts like the front door and the front wing. In both cases the average cost to be assumed by the vehicle owners is 93 euros and 72 euros respectively.
Another common accidents leading city is the shock reach. In these cases, a visit to the workshop is usually to fix the rear bumper and / or front. In these cases, drivers take an average cost of just over 100 euros.
The most expensive repair is concerning the roof, costing more than 180 euros. The next most cost rear apron, whose repair costs an average of almost 145 euros.

The cost of repairing the body is more than a quarter of the cost

Audatex reports that the body represents, on average, more than 28% 28 vehicle repaired after an accident. Also they reveal that it is more likely that this money is paid by the owner of a new car or a young driver, up to five years.
In addition, young people are responsible ducts 40% of body repairs in Spain, and that even though they do not represent even 20% of vehicles in the country. Apparently, according to Audatex, that are covered in the early years by the manufacturer's warranty and by fully comprehensive policies he explains that his visits to the body shop to repair more frequent.
Moreover, vehicles lso young age are more likely to travel kilometers. This trend becomes four times higher compared to vehicle ten years or more (which is why wear is greater). According to figures cited by Audatex, young people have increased car mileage by more than 3% until October compared to the same period in 2016

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auto policy quotes

The new scale of accidents which comes into force on January 2016 introduces several changes.Including new tests to receive compensation for minor injury will be required. In addition, you will be less substantial in benefits of more serious injuries, which will receive larger amounts.

However, even though the parties have agreed modifications, these have not been well accepted by the associations of victims of traffic accidents.
Despite the unusual consensus among the parties involved and the different political forces (approval had no votes against), new tests required in demonstrating lesions that must be compensated financially have raised hackles among victims' associations.
In this regard, the newspaper Cinco Dias reflects the opinion of Francisco Canes, president of the State Association of Accident Victims Day, saying that "it is hard to say whether we are satisfied or not with the arrival of the new scale." According to Canes, " negotiation has been thinking about the most serious victims, such as cases where there are large injured or deceased, whose position itself to improve substantially with the new standard. Still, we have to spread the word because those involved in minor accidents are in a worse predicament. "

biomechanical reconstruction to combat fraud

With the modifications will be necessary to perform a biomechanical reconstruction in accidents where the damage is difficult to see at a glance. Thus, a certified expert must do research to analyze how the crash occurred to see if an injury is possible or not.
From the Spanish Union of Insurance and Reinsurance UNESPA, they say that this is reasonable to stop fraud in injuries that are not easy to see, as is the case of whiplash test.

alleged victims guilty

According to the UNESPA, in 2014 more than 240,000 cases of auto insurance fraud worth 755 million euros were detected. But this amount is not just a scam to insurers, but the insured themselves, since the very nature of certain causes we all are affected.
Such practices amply justify that look very closely all claims. The problem with the new rules, in this case, is that, as Francisco Canes argues, "it appears that the victim is a presumption of guilt, and should not be." Canes also state that it is understood that the accident compensation mild has not increased in amount, but its recovery is difficult with the need for further testing.
In this sense, the DIA association fears that victims of less serious accidents remain unprotected since the decriminalization of such events means more expenses in case of conflict in the absence of legal coverage of the state. Thus, says Canes, people probably prefer not to collect bonuses to avoid trouble.

The new scale will be more expensive for insurers

Nevertheless, it is predicted that although the assured can save with the fall of fraud for minor injuries generally changes cause an increase of 16% due to increased compensation in case of death.This will cause, according to industry sources cited by Cinco Dias, which policies are between 3 and 5 percent more expensive during the first months of the year.

affordable car insurance quote

affordable car insurance quote




Recently we pondered whether it is worthwhile or not to include children in health insurance.Following new information recently released it's time to revisit the issue and discuss some interesting facts about health policies for children.
According to the  Online Comparison Study II to the Smart Savings produced by Rastreator, 13% of the contracted Charges for health insurance include minors, representing an increase of 19% over last year. This finding is particularly interesting given that, as reported by the comparator, the economic crisis of recent years had fallen hiring and health insurance interest. The study also reveals that 43.4% of Spaniards took down any insurance without substituting another.
As for the age of the children insured Ristretto reports that 24.4% of insured children under two years, while children between 2 and 7 years make up 41.5% of Charges. Children between 8 and 14 years hold 21.5% and adolescents between 15 and 17 years are at 7.4%. This clearly indicates a downward trend in interest to ensure minors in private companies as they grow older.

Discount on family health policies

In health insurance, contrary to what usually happens in other types of insurance, the price of the policy for as low insured and add people to it. This discount usually experiences the average premium per insured is because many companies offer discounts on the final amount as they are incorporated secured to the policy. This is one of the ways in which insurers seek to encourage the hiring of family health insurance.
Fernando Summers, CEO of Rastreator, notes that " the Spaniards ever hire more health insurance policies with which we want to protect our family." He adds:  "The comparison is indispensable in this product, whose policies include several insured and can have substantial price differences. "

Comparators health insurance does not always include minors

However, although the data presented above, if you want to hire a family health insurance, keep in mind that most of the comparators insurance are not going to give reliable data than will actually cost hiring policy health since very few consider the age of the insured under 18 years.
As reported by Rastreator, of all the contributions made by users of health insurance comparison said comparator in the year 2015, only included 87% over 18 years. In 2015, the number of contributions that included children was 19.18% higher than 2016

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auto insurance online quote



A while now insurance companies are becoming more stringent with regard to the claim for cancellation policies outside deadlines.
You should know that if you sr. the client does not communicate with the advance established in the art. 22 of Law 50/1980 opposition to the extension of the contract the company has the right to reclaim its extension by means it considers appropriate.
In other words, if an insured fails this humble blog, if you do not inform your insurance company for 2 months in advance that it does not intend to renew your insurance company may claim even legally do so.

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This articulated is not new, the novelty is that companies begin to enforce the implementation of this article systematically. So far it seemed that prevailed a sort of nonaggression pact between companies, intermediaries and customers. The thing was obvious, much of the new business comes from competition if we strict application of the rule will capture much less business.
It turns out that in the times in which we live is no longer so easy attracting new customers and this increased cancellation of existing business is added which causes the closing of ranks in trying to lose as little business as possible, the profitability of a policy is closely linked to its duration.
At this point, it is when companies have strict and demanding receipts returned relying on many cases, in specialized external companies in defaults.
¿ Is their right companies? Undoubtedly, the article is very clear with regard to timing, but guests should know that they also protect them other actions that can release this extension
  • We refer to the one hand Article 15, 2nd paragraph, LCS that says the company has a period of six months from the due date to claim the receipt, to do so the contract is extinguished.
  • Also, although with certain nuances, it can be argued that if between communication low by the customer (even if it was made after this date but before maturity) the Company does not object within a reasonable period, the contract could be interpreted as solved since the silence of Insurer would tacit acceptance of the low.
  • Another supporting argument is related to whether a unilateral significantly from one of the essential elements of the insurance contract (amendment Article 8 LCS: premium, sum insured, mediator, risk, etc.), it could not be held a case of extending the insurance contract but as a true renewal thereof, on the one hand, must be in writing to the Policyholder ( Article 5 LCS ) and on the other, the provision requires the consent of both parties for validity (articles 1203.1256, 1261.1 Civil Code) .In this case, would not apply articles 15 and 22 LCS to represent novation a new contract and not the extension of a previous contract to the same conditions.
This repository ( developed by the legal department Estabrook ) can help clients in their defense in case of return receipt out of timelines, but our recommendation to clients and to avoid major problems is to apply a preventive cancellation more than 60 days advance that will release them from their contract and enable them to explore new alternatives, approach your trusted mediator that surely know complete this information.

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free insurance quotes for cars

According to a survey by Finaccord among more than 6,000 people, Spain is the European country where more mobile devices are used to purchase insurance.
Younger consumers are more likely to buy insurance when car, home or life in these devices, even over the use of laptops or desktops.
Edward Wilford, consultant Finaccord adds that "Some projections show that almost half of all searches insurance will be through a tablet or a mobile phone in 2015. As mobile applications are closely linked to a particular insurer or an aggregator, a dominant implementation could have a significant effect on sales 'on-line' of developers. "

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free online auto insurance quote 


Many users think that just stop paying the receipt of this policy is canceled, this is not correct since insurers can come to claim the full amount of the policy by failing to communicate the estimated time our intention does not want to renew the insurance.
While it is true that companies (except for a few) do not start any legal procedure, the current legislation provides that if the policyholder because the premium has not been paid the insurer is entitled to terminate the contract or demand payment premium legal means based on the policy.
To avoid this situation and see us having to pay for insurance twice must apply the non-renewal of the policy within the period stipulated by law, two months.

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According to the Law of Insurance Contract in Article 22, both the insurer and the policyholder may oppose the extension of the contract by written notice to the other party, made with at least two months prior to the conclusion the insurance period underway.
The best way to communicate this is by telegram or bureau fax to the headquarters of the company, giving the details of the policyholder, policy number and confirming that does not want to renew the policy.
If you hire insurance through a broker comunĂ­caselo them, will make all necessary efforts to cancel the renewal.

get an auto insurance quote

get an auto insurance quote

Insurance is one of the most hired by Spanish products and their modality may in certain cases Remove tax on the tax return.


Home insurance and mortgage-related
Within the deduction for purchase of residence is life insurance linked to mortgage.
Life insurance linked to mortgage have a percentage of personal income tax relief, this deduction includes the possibility of elimination of up to 15% of the amounts for the purchase of residence for a maximum base of 9,040 euros provided the housing has been acquired before 1 January 2013.
In the event that the signing of the mortgage also includes the obligation to sign a life insurance, it is possible in certain situations cancel. The bonus money can be added to the mortgage payment to calculate the basis of the deduction.

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Life insurances
In many cases, life insurance is often necessary to access a mortgage requirement. Premiums paid on a monthly basis have no tax benefits or rebates, although they have called Insured Pension Plans (PPA).
It is important to differentiate if the policyholder and the beneficiary are the same person. If they are different people, we must reflect on the inheritance and gift tax. If instead it is the same person, we must enter it in the personal income tax.
When policyholder and beneficiary are different people will be taxed on inheritance and gift tax. It collects tax exemption if the beneficiary is a spouse, an ascendant or a descendant of up to € 9,195.49 heir in general, an amount that depends on each region, since this is a tribute given to autonomy.
In the event that the policyholder and beneficiary are the same person, the insurance will pay an amount when a certain age is reached. If that amount is collected in a lump sum, a similar tax and a tax base to other financial products it is applied.
  • 0-5999 € between the tax rate shall be 21%
  • Between 6,000 € and 24,000 € tax rate will be 25%
  • From € 24,000 the tax rate is 27%
The benefit is obtained by subtracting the capital raised premiums paid. In addition, the insurer shall withhold income tax of 19% on performance.
If the amount is seen as income, similar to investment income tax applies, a taxable savings of 19%