Premium car insurance BNP Paribas Cardif 0 UF:
Theft of the vehicle : Commercial value
If it is included, you will have compensation for the commercial value of the insured vehicle in the event of theft.
Total loss : Commercial value in case of damage greater than 65% of the value
The insurance considers that your car has a total loss if the cost of repairing it after a crash is greater than 65% of the commercial value of the vehicle.
Damages to third parties : Up to 1,000 UF between consequential and moral damages and lost profits
There are 3 types of damages: Emerging, which is property damage and injury or death. Morales, which occur when the third party suffers psychological damage. And lost profits, which are damages that cause loss of the work tool.
When this coverage is included, it allows you to have a replacement car if your vehicle needs to be repaired for more than 24 hours, after suffering an accident. This benefit has a daily copayment of $2,000 for the number of days indicated.
You will have coverage only if the vehicle has had a single owner
If you identify the third party as guilty, you do not pay your deductible! When there is a clearly identified and definitively guilty third party, the deductible will not apply.
The direct material damages that your car, its pieces or parts and accessories may suffer due to overturning or accidental collision with moving or stationary objects, fire, lightning or explosion.
Exclusions :
-
That the Insured does not own the insured material. That the vehicle is older than 12 years at the time the coverage begins (hiring). That the vehicle is NOT for exclusively private use; that is to say, that it is used in any sports activity, emergency service or commercial activity, such as: cargo transport, passenger transport, taxi or radiotaxi service, tourism service, vehicle rental service or other similar.