15 Feb 2012

Auto Insurance: Terms and Client’s Questions (Faqs)

What is it?
The warranty is a mechanical breakdown insurance policy covering your vehicle in case of mechanical failure.

What is not covered?
This is neither a support contract nor a maintenance contract, let alone classic auto insurance, mechanical breakdowns are not usually covered by it.

What is its purpose?
It aims to return the vehicle in the state it was before the failure or covered parts found defective after the effective date as collateral.

It does not aim nor cover the refurbishment of the vehicle. Thus the compensation paid in case of breakdown covered is calculated after deducting a percentage of obsolescence of parts replaced.

What is a mechanical breakdown warranty?
This is the malfunction or shutdown of parts or bodies listed in the warranty policy. It arises, must be after the effective date of the guarantee.

Why Coverage mechanical failure?
Because you are not immune to failure! The price of parts and labor is steadily increasing. Parts and electronic components that control many functions of a vehicle are becoming increasingly complex. They are not infallible and often very expensive to replace.

The guarantee is for mechanical failure, under certain conditions of age, mileage and brand of the vehicle concerned, any individual seller, buyer or owner of a passenger vehicle and its derivatives business which is no longer under manufacturer warranty.

When does it take effect?
It takes immediate effect on payment of the premium, except for guarantees in extension (extension) of manufacturer guarantees that they shall take effect upon expiry of the warranty. Given the immediate effect, the Subscriber waives any right of withdrawal and return of premium.

How to transfer the warranty?
If the sale of the vehicle takes place in the first 3 months of membership, the buyer will receive the total duration of warranty, if the sale takes place in the fourth month, the buyer will receive the remaining term plus 3 more months to do this just to communicate "the request for transfer of care".

What is covered?
It covers the insured vehicle against any mechanical failures (parts and labor), and random home after the security is taken, the following documents:
  • Engine: mobile and internal lubricated parts (moving parts, cylinders or liners, chain and timing gears, oil pump, cylinder heads), flywheel, turbo and all mechanical damage to the engine block and resulting directly of Damage.
  • Gearbox (manual): mobile and internal lubricated parts of the box (gears, shafts, bearings, bearings, snap rings, forks control) and any mechanical damage to the casing and resulting directly from the Damage.
  • Rear axle: mobile and internal lubricated parts of the bridge (gears, shaft, differential, bearings and rings) as well as all mechanical damage on the housing and resulting directly from the Damage.
  • Clutch: hydraulic transmitter and receiver.
  • Fuel system: Injection pump, flow meter, electronic modules alimentation engine management, fuel pumps mechanical or electrical EGR valve.
  • Transmission (automatic and transfer case) and mobile internal lubricated parts of the box, converter (gears, shafts, bearings, bearings), except calculator box.
  • Serial electrical circuit: alternator, starter, electronic control modules engine ignition, engine hood and electric window motor.
  • Cooling system: water pump, engine radiators, fan motor, viscous coupling, refrigerator oil.
  • Direction: housing, or assisted mechanical rack, high pressure pump, steering brace, steering cylinder, variable assist system (except steering column).
  • Brakes: master cylinder, brake boosters, calipers, parking brake controller, vacuum pump, distributor or limiter, pressure accumulator, ABS / ESP (except computers).
  • Transmission: trees, universal joints, tripods.
  • Air conditioning: compressors, condensers, evaporators and fan motor vehicle.
  • Suspension: coil springs external (if broken), stabilizer bars.
  • Collectors: exhaust manifold and lambda sensor, intake manifold.
  • Small equipment: lighting, warning switch, reversing light, brake light switch, parking brakes, windscreen wiper motor front and rear washer pumps glass (windshield), flasher.

What is not covered?
Are excluded from coverage:
  • Damage resulting from: - a traffic accident, theft, vandalism, fire, frost, lightning, removal or confiscation of the vehicle - normal wear of a part, a lack or inadequate maintenance (according to the manufacturer's recommendations), an external cause organs guaranteed - negligence of the user during the warranty and mistakes characterized of use: sport or competition, transformation by altering the vehicle parts to increase vehicle power or not adapted to it, overload - a lack of or insufficient lubrication or coolant - the use of the wrong fuel, lubricant or additive - breakage or defective parts or replacement subject to recall by the manufacturer - any repair or installation not performed by a professional
  • Damage for which the beneficiary did not receive repair order
  • All maintenance, adjustment and development
  • Cables, hoses, hoses, lines, belts, sensors, pulleys, beam, bellows, thermostats, seals, small supplies and ingredients
  • Indirect damage such as immobilization or guarding the vehicle
  • Damage caused intentionally by the beneficiary of the guarantee
  • Aggravation of damages by continuing use
  • All injury or damage resulting from damage both before and after repair
  • Any damage which originated prior to the effective date of the guarantee
  • Any known event the beneficiary of the guarantee before the effective date of the guarantee.

Which vehicles does it cover?
It can cover all passenger vehicles and their derivatives trading below 3.5 T and registered. The insurer reserves the right to refuse a vehicle based on its acceptance criteria in force when submitting risk.

Which vehicles do not eligible?
It does not cover vehicles used or being used as taxis, school cars, ambulances, rental cars short, the so-called collection vehicles, carts without a license, medical vehicles.

Vehicle for the short-term rental, use of vehicles or taxis old taxis, ambulances, driving schools or belonging to a driving school, transport goods and passengers for remuneration, vehicles over 3, 5 T GVW, unlicensed cars, ambulances, taxis health, said collector cars, car hire, vehicles over 20 years and CTTE

What is the age?
The obsolescence is a percentage that is deducted from the allowance of parts paid by the insurer. This percentage is calculated based on age and / or mileage of the vehicle. The guarantee for the purpose of delivery of the vehicle in the state it was before the failure, the insurer may not pay the full price of new parts to replace those damaged, hence the application of a decay factor.

What is labor?
These are costs related to replacement parts and / or bodies covered in accordance with scales provided by the manufacturers. As part of the mechanical breakdown warranty, these fees are paid at 100%.
What are the obligations of the insurer?
  • Vehicle maintenance:The insurer agrees to use the vehicle in compliance with standards and technical requirements of the manufacturer on the one hand, and interviews / periodic revision according to the recommendations of the manufacturer on the other. - If Fault: - Immediately stop your vehicle in order to avoid aggravation of the fault. - Contact the garage or the nearest convenience store. - Send a fax or email to System Warranty within 5 working days from the date of occurrence of the failure describing the circumstances of the occurrence of the failure and possibly the type of failure.
 - Please prepare a quote over the garage, without prior dis assembly, and send it by fax or e-mail Warranty System. 


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