Car Insurance.

Answers to your qestions about moving to, and living in, Peru,
panman
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Car Insurance.

Postby panman » Fri Sep 20, 2013 1:00 pm

How much do you pay for car insurance and, from experience, which company you recommend?


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caliguy
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Re: Car Insurance.

Postby caliguy » Fri Sep 20, 2013 1:18 pm

$800. yr. insured with Mapfre. they were very quick to resolve the vandalism issue i dealt with in Aug. its the dealer (Derco) who is giving me a hard time. btw, i have to pay 10% deductable. :D
every place has it's own spirit. you just need to tune into it.
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fanning
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Re: Car Insurance.

Postby fanning » Fri Sep 20, 2013 1:37 pm

I pay US$ 454 a year ( just checked .. ) La Positiva for US$ 8500 coverage, full coverage + third party.
A familymember had his car not insured, and had an accident 7 months ago, not his fault.
The other party had third party insurance, but they still don't have their car back because of fights with the insurance company. If he would have had car insurance and not depend on the third party insurance of the guilty party, he would have had back his car months ago. So I would advice to get a full coverage insurance.
My insurance covers some fancy extras, like a driver when I am drunk, and what seems to be standard in Peru, a towing ( lifting the car in a trailer ) / emergency repair service in case your car brakes down. It even covers when I actually would drive drunk ..

If you however ever get involved in a traffic accident and there are no wounded. If the damage is low, and specially if it is not your own fault, try to get money from the guilty party, and fix the damage yourself. If you use the insurance, you will be in for a lot of red tape. A police report MUST be made, you must do a breath test ( which you have to pay for yourself, and will be brought to another policestation in a policecar for the actual test ) They will impound your car for at least a day, as a police 'pirito' has to check the damages and make that official. You will need to go several times to the police to give statemenst and pay for the reports. And in the end you have to pay at least US$ 200 yourself + 10%. So if you estimate the damage lower ( and fixing cars is cheaper in Peru anyways ) better to resolve it with the other driver on the spot, without police.
kuranaga
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Re: Car Insurance.

Postby kuranaga » Fri Sep 20, 2013 3:21 pm

fanning wrote:A police report MUST be made, you must do a breath test ( which you have to pay for yourself, and will be brought to another policestation in a policecar for the actual test ) They will impound your car for at least a day, as a police 'pirito' has to check the damages and make that official. You will need to go several times to the police to give statemenst and pay for the reports. And in the end you have to pay at least US$ 200 yourself + 10%. So if you estimate the damage lower ( and fixing cars is cheaper in Peru anyways ) better to resolve it with the other driver on the spot, without police.


I start to love this country.... public service = 0, this is probably why so many people work under the table (for what pay taxes if the service is equal 0), or maybe the service is 0 because so many people work under the table? :?: :?:
Sergio Bernales
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Re: Car Insurance.

Postby Sergio Bernales » Sun Sep 22, 2013 11:10 am

panman wrote:How much do you pay for car insurance and, from experience, which company you recommend?


You can also buy insurance through people like Saga Falabella and Ripley. Often they're just using companies like Mapfre and acting as brokers, but worth considering.

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