56 2015 Protection comes at a cost, albeit variable Nearly all insurance companies offer insurance coverage for body-on-chassis and road equipment. But costs can range from 4% to 10% on the value of the item per year Theft, fire, rollover... Regardless of the reason that causes the owner to lose a road implement, having an insurance policy will ensure the reimbursement of the value of the asset at its average market price or the amount established in the policy (provided it is not above the market value, because the insurance contract is not intended to provide profit, but to refund the value of the loss.). According to the adviser Ricardo Amadeo Sassi, owner of brokerage house Proposta Seguros, virtually all companies agree to insure road equipment. However, some insurers impose restrictions upon the type of cargo or activity. “ Companies consider this segment as bodies and special equipment, and they cover only the equipment permanently fixed to the vehicle”, says Ricardo Sassi. On the other hand, road equipment insurance is guaranteed by the car portfolio. In this case, if the owner of a truck-tractor and a trailer wants the insurance coverage for the whole set – vehicle and bodywork – he will have to maintain two separate insurance policies. If he has only the truck-tractor and provides services to carriers using different trailers and semi-trailers at each trip, he has the choice to have a third-party liability insurance. The policy does not cover the product - implement - but the damage that such implement may cause. Warranties – coverages – offered by companies are the accidents resulting from robbery, theft, collision, damages caused by natural disasters, fire and civil liability – damage to third parties. As to price, Ricardo Sassi clarifies that there are many variables for formatting premium rates - the amount paid to the insurance company to ensure coverage. “ The type of implement, the cargo, the field of activity, the circulation area, the management of risks and the discount gained over the contract years are taken into account. “. The claim rate of each insurer, which increases or decreases their rates depending on the risks exposed and according to the terms of the contract issued, are also taken into consideration. The adviser shows that rates usually range from 4% to 10% on the value of the good. The majority of accidents result from collisions and theft, varying according to the type of product.As one of the important items in determining the premium rate is the amount of coverage, the owner may choose not to take out coverage on less common risks.This is an alternative to reduce investments, but the client must know that there will be no reimbursement guarantee. This should be a calculated risk. At the same time, Ricardo Sassi recalls that insurers have “packages” or offer possibilities for the customer withdraw some insurance coverage options, without allowing, however, the customer to select only the items that imply higher compensation values.”Including in the policy only the most expensive insurance coverage does not always succeed because insurers generally do not accept to process them separately”. In order to keep the insurance within the lower rate, a good risk management is suggested. Depending on the value of the product, investing in armed escort, avoiding areas at risk, and training drivers are important actions to keep good record concerning the insurance, securing good rebate on renovations.. In all cases, however, it’s worth the effort making market quotation because a certain insurance company may have a particular interest in working with specific implements models. In this case, in order to expand the portfolio in what constitutes its focus, it offers advantages in insurance coverage or reduced value. “Each company has a specific growth strategy: some simply reduce the premiums and others seek efficiency and results, adding benefits and services to insurance policies taken as a great advantage for the insured” with vehicle, passenger and even residence assistance. Seguro Insurance
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