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Car and motorcycle insurance
What decides the indemnity of a total loss claim is the vehicle valuation criterion set by the policy; what decides the cost of a small claim is the excess. Neither of these is reflected in the premium price.
In short
What is vehicle insurance
Vehicle insurance has a legally mandatory part —third-party liability for damages— and several voluntary layers: glass, theft and fire, own damage with or without excess, assistance and legal defence. The relevant decision is not just third-party or comprehensive, but what excess you assume and what real assistance you have, which is what makes the difference when you are stranded.
Advantages
Advantages of car insurance
In a field where everyone compares price, the real difference is who stands for you.
You don't argue with the insurer
In a claim with shared fault or disputed damages, having a technician defending your position changes what you end up receiving and how long it takes.
We compare each renewal
The premium increases on its own if no one reviews it. Each year we look at the entire market with equivalent covers, not just the bill you receive.
You keep moving the same day
Replacement vehicle and assistance from kilometre zero prevent a bump from leaving you unable to work for a week.
You decide with numbers, not out of habit
Before making a claim for a minor bump, we calculate if it's worth it for you, considering the effect on the bonus for the coming years.
Profile
Who it is for
Private drivers
Someone who wants a well-sized policy and someone to stand up to the insurer if there is a claim.
New and financed vehicles
High-value cars where comprehensive cover is the only sensible option during the first few years.
Inexperienced and young drivers
Profiles with significant additional premiums, where comparing the market has a huge economic impact.
Motorcyclists
A branch with very different conditions between insurers, especially in driver accidents.
Technical criteria
The clauses that make the difference
In a branch so compared by price, the real differences are hidden in three or four clauses.
Assistance from kilometre 0 or from 25
Many economical policies do not provide assistance if the breakdown occurs near the home, which is exactly where it happens most.
Market value, new value or replacement value
In a total loss claim, the difference between indemnifying by market value or new value can be several thousand euros.
Poorly chosen excess
A high excess reduces the premium but turns each incident into an expense. It only compensates if there is a cushion to assume it.
Undeclared occasional driver
If someone not declared regularly drives and there is a claim, the insurer may apply a proportional rule or recourse.
Scope
Main covers of car and motorcycle insurance
- Compulsory and voluntary third-party liability
- Legal defence and damage claims against the liable party
- Windscreens, fire and theft, with or without excess
- Own damage in all-risk mode, with excess to choose
- Travel assistance from kilometre zero and replacement vehicle
- Driver accidents, with death and disability capital
The definitive scope depends on the wording of each insurer. We review it with you before recommending anything.
The JORI& method
Cómo trabajamos
El mismo método en cualquier solución: entender la exposición real antes de mirar una prima.
Análisis del riesgo
Estudiamos la actividad, el patrimonio y los escenarios plausibles. Sin ese diagnóstico, comparar pólizas es comparar precios de cosas distintas.
Diseño del programa
Definimos coberturas, límites, franquicias y exclusiones aceptables. Decidimos qué se transfiere al asegurador y qué se retiene de forma consciente.
Negociación con el mercado
Presentamos el riesgo a las aseguradoras con las que trabajamos y negociamos condiciones. Somos independientes: no pertenecemos a ninguna compañía.
Acompañamiento y siniestros
Revisamos el programa cada renovación y, cuando ocurre el siniestro, actuamos como tu parte técnica frente al asegurador hasta el cobro.
Frequent doubts
Lo que más nos preguntan sobre vehicle insurance
Is comprehensive or extended third-party cover worth it for me?
As a guideline, comprehensive cover is worthwhile while the vehicle retains significant value, typically the first five to seven years. After that, an extended third-party with windscreen, theft and fire is usually the balanced option, unless the car is high-end.
What excess suits me?
The one you can pay without disrupting your month. Increasing from €0 to €300 significantly reduces the premium and is still affordable for most. Excesses of €600 or more only make sense if you drive little or have a good history.
Do I lose the bonus if I make a claim?
It depends on whether you are responsible and the policy of each insurer. For minor incidents, it is often worth assessing first if it is worth declaring. We do that calculation with you before opening the claim, not after.
What happens if I am declared a total loss?
The insurer compensates according to the agreed valuation method. During the first two years, many policies compensate at new or replacement value; after that period, at market value plus a percentage improvement. It is one of the clauses most worth checking before contracting.
Does the insurance cover anyone driving my car?
If contracted as open driving, yes. If you have declared a single or age-limited driver and someone else drives, the insurer may reduce the compensation or recourse against you. Declaring regular drivers costs little and avoids this problem.
What advantage does contracting with a broker have instead of directly?
That we compare the entire market at each renewal and that, if there is a claim, you have a technical person defending your position against the insurer. In a disputed claim, that difference decides if you get paid and how much.
Vehicles
Your renewal, compared with equivalent covers
Send us your current policy and vehicle details. We return a real market comparison with equivalent covers, not just the price.
- Independent broker: we do not belong to any insurer
- The specialist in the field you consulted answers you
- The review is delivered in writing, policy by policy
Insights
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