¿Qué es un seguro de garantía mecánica?

Cuando compras un coche o una moto disfrutas durante 2 años de la garantía de fábrica por la que tienes asegurada la cobertura de los fallos mecánicos y eléctricos. Sin embargo, pasado este tiempo se hace imprescindible conocer las reparaciones asumidas por tu seguro en caso de avería o accidente. Por otra parte, en las transacciones de vehículos de segunda mano entre particulares una garantía mecánica resulta muy útil, ya que la ley estipula una cierta cantidad de tiempo en la que el vendedor ha de hacerse cargo de posibles fallos. ¿Quieres saber qué es un seguro de garantía mecánica? En Zurich Klinc te ofrecemos con seguridad todas las respuestas que necesitas.

Qué cubre un seguro de garantía mecánica

En líneas generales, un seguro de coche a todo riesgo cubre bastantes situaciones en las que tu coche puede dejarte tirado. Sin embargo, existe un tipo de seguro de averías mecánicas que es posible contratar en varias situaciones:

  • Como ampliación de la garantía del fabricante.
  • En caso de venta de tu coche.
  • Como comprador de segunda mano, en caso de que consideres que el kilometraje es bastante elevado, concretamente a partir de 100 mil kilómetros.

El seguro mecánico se hace particularmente importante cuando la garantía del fabricante ha finalizado y quieres poner a la venta tu coche o moto. Los concesionarios de segunda mano ofrecen una garantía de un año tras la compraventa, pero la cosa cambia entre particulares, donde la ley obliga al vendedor a asumir las deficiencias que se deriven de un mal funcionamiento del vehículo durante 6 meses, incluso cuando estas permanezcan ocultas en el momento de traspaso y se desconozca, por tanto, el importe final de su arreglo.

En el mercado de segunda mano contratar uno de estos seguros y ofrecerlo como garantía a tu comprador reducirá el tiempo de venta, evitará un abultado desembolso que te impida disfrutar de las ganancias por su compraventa e incrementará la confianza entre ambas partes. A pesar de que existe una tipología de coches con menos averías, es importante saber que el incremento del riesgo que depende de la antigüedad del automóvil determinará el número de coberturas que la compañía va a ofrecerte. Otros factores que influyen en las tarifas de contratación de este tipo de coberturas son la potencia, el número de kilómetros y el uso que se le haya dado, esto es, uso comercial, industrial o privado.

Existen muchos elementos que pueden incluirse a la hora de contratar uno de estos seguros tales como los sistemas de alimentación, embragues o aire acondicionado. No obstante, los grandes ejes sobre los que debes guiarte son los que giran en torno a las funciones directamente relacionadas con el motor, el cambio de marchas y la dirección. Como todas las coberturas, los seguros de garantías mecánicas contribuyen a que tu experiencia al volante sea la más tranquilla y tu dinero, de la forma mejor invertida.

Si te ha gustado este artículo, no dudes en compartirlo con tus familiares y amigos.

El seguro que necesitas a un Klinc

Conoce los seguros que tenemos para ti.

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