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ADMIRAL GROUP Information on pension insurance

As it stands today, the economy and pensions we are all afraid to face old age with a pay negligible after a lifetime of hard work and Social Security contributions.

This was invented retirement insurance (also known as retirement plans or savings plans ), which allow from a young age to pay a monthly, quarterly, semiannual or annual basis from which interest initially perceived as a fixed-term investment is involved.

When hired a secure retirement ourselves choose the amount we make each payment and based on the amount contributed and the years that we lack for retirement insurance company calculated how much money will receive the day you retire.

There are two types of final capital in these policies:

- Estimated Capital: The capital that the company believes it will pay at maturity of the policy and which is usually much higher than the capital guaranteed but this not guaranteed, as its name says an estimated capital.

- Capital Guaranteed : they perceive is the capital of the date of expiry of the policy (retirement) and will never be lower because the company has the money deposited in the Bank of Spain and no chance of losing it to fail and disappear but the insurance company .

When hiring a retirement insurance make sure that the bank is behind the company and that is who will invest our money is a good bank because if this is a bank with a great investment potential and will get better interest charge more than what we had can reach the capital guaranteed estimate.

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What to do in case of accident?

In the case of an accident with a car either at home or any kind of insurance, the first thing to do is communicate as soon as possible to your insurance company within up to 3 days.

In the case of being out of town can advance the process by calling to have a record of the incident but has not yet signed the relevant accident reports.

economically Never negotiate or agree with the opposite never under any circumstances, any proposal to resolve the incident without giving notice to your company. Let your agent or broker in charge of the process because that way you can never cheat and always will be a fair compensation.

In the event that the claim is in circulation, we recommend that you fill in the part known as the drafting of an accident and all companies to provide a policy and if you need more they are provided free of charge. Remember this statement does not imply recognition of responsibility by any parties just a statement of all data would facilitate all the formalities of the accident.

If you have a drafting of an accident should at least save the following data:

- place where the accident occurred (Street, City, etc ...)
- Date and Time sinister
- Name, address and telephone number of counter driver
- Number of ID or driver's driving license contrary
- company name, number Policy and maturity of the hand
- Vehicle data contrary (brand, model, registration)
- Witnesses if any (name, surname, ID number and telephone number)

Remember, never accept any responsibility, nor sign anything you are unsure (see 17418 law) and if not trust the veracity of the other driver's policy not hesitate to call the local police or Civil Guard.

Implications Of Theft Recovery Vechicle

Information

motorcycle insurance in Spain is like car insurance, a compulsory insurance that should bring any motorcycle you want to travel on English roads.

For this insurance and driving without being caught by the civil guard or the police will freeze without delay the motorcycle until you do hire the motorcycle insurance and sue you for trial of criminal as this type of violation is not paid directly by a fine by the authority if you have taken to be a judge handed down the sentence appropriate. Besides it goes without saying that this is only if you get caught, but if you have an accident and has no motorcycle insurance, can cost you and ruin all the damage they are material or physical people the have to pay in your pocket and the damage from an accident can be many.

All motorcycle insurance policies must include coverage of RCO (Civil Liability Compulsory) . This liability coverage is only a third, ie it covers any damage that may cause our bike to third persons are bodily injury or property damage, but never cover our own damage.

This coverage is not unlimited and covers a maximum as follows:

- Bodily injury -> 350,000 Euros per victim
- Damage to material goods -> 100,000 Euros per claim
- Expenditure on health care -> Unlimited until cure of injuries
- burial and funeral expenses -> Unlimited according to the customs of the area

This insurance companies, as well as auto insurance, the policies implemented in other additional coverage that is RCV (Liability voluntary) which pays the difference in the event of damage exceeding the coverage of the Civil Liability Compulsory .

All other coverages that are voluntary and can be contracted are: own damage, theft, fire, travel assistance, safe driver, legal, card removal, replacement vehicle, fines and loan protection repair.