¿Sabes cuál es la diferencia entre un seguro de coche a todo rIesgo y nuestro seguro de coche a todo riesgo?

Tradicionalmente, un seguro de coche a todo riesgo incluye coberturas como:

  • Daños propios: Cubre los daños sufridos por el vehículo asegurado por el total del valor marcado al inicio del contrato.
  • Responsabilidad civil obligatoria: Cubre los daños causados a las personas y a los bienes.
  • Responsabilidad civil complementaria: Cubre los daños que puedas causar a un tercero y excedan o no se contemplen en la responsabilidad civil obligatoria.
  • Asistencia en viaje: Cubre la asistencia para paliar cualquier situación en la que el coche, por avería u otra circunstancia, no pueda circular.
  • Lunas: Incluye la reposición o reparación de las lunas en caso de rotura.
  • Incendio: Cubre los daños que pudiera sufrir el coche como consecuencia de un incendio o explosión siempre y cuando sea el responsable del mismo.
  • Robo: Incluye una indemnización al asegurado en caso de que su coche sea robado y se haya puesto la denuncia correspondiente.
  • Defensa jurídica: Incluye la asistencia y/o defensa jurídica en cualquier procedimiento judicial, administrativo o extrajudicial derivado de un accidente de circulación en el que se vea implicado tu coche asegurado.
  • Seguro de conductor: Incluye los daños que pueda sufrir el conductor autorizado (fallecimiento, incapacidad permanente y gastos de asistencia sanitaria) en caso de accidente con el vehículo asegurado.
  • Daños causados por animales: Cubre los daños materiales directos que pueda sufrir el coche asegurado en caso de que tengas una colisión con un animal doméstico o un animal cinegético (aquellos que pueden ser objeto de caza y pesca y que varían según la comunidad autónoma).
  • Reclamación de multas: Incluye un servicio de asesoramiento y trámite de multas en caso de infracciones cometidas por el conductor principal y/o el autorizado.

Entonces, ¿qué diferencia hay entre el seguro de coche a todo riesgo convencional y el seguro de coche a todo riesgo de Zurich Klinc?

La diferencia está en la cobertura de daños propios y en la personalización de la póliza.

El nuevo seguro de coche Zurich Klinc incluye todas las coberturas anteriormente comentadas, pero con una gran diferencia: Zurich Klinc te permite escoger el valor por el que quieres asegurar la cobertura de daños propios de tu coche. 

Además, puedes elegir la modalidad de las coberturas de Asistencia en Viaje, Defensa Jurídica y Elección de taller, así como definir los límites de indemnización para los daños del conductor.

De esta forma, podrás también escoger el precio de tu todo riesgo en función de lo que quieras pagar. Por ejemplo, ¿quieres cubrir el total de daños propios de tu vehículo porque es nuevo? En ese caso, Zurich Klinc te ofrecerá un seguro de coche a todo riesgo convencional. Pero, ¿y si quieres asegurar solo por la mitad del valor inicial porque tu coche ya tiene unos años? ¡Con Zurich Klinc ahora podrás hacerlo! Tendrás todas las coberturas del todo riesgo convencional y la cobertura de daños propios por el valor que tú elijas.

Como ves, el nuevo seguro de coche Zurich Klinc a todo riesgo permite, por fin, poder asegurar el coche por el valor que realmente quieras pagando al final el precio que más te convenga.

No esperes más y calcula el precio de tu nuevo seguro a todo riesgo.

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