We're glad you're here and we want to make sure you find all the information you need quickly and easily. In our Frequently Asked Questions (FAQ) section, we've compiled the most common queries we receive, with detailed answers to ensure you have a smooth experience.
A home insurance policy in Peru typically covers a variety of natural risks, such as earthquakes, floods, landslides, and climatic phenomena like El Ni帽o coastal events. However, it is essential to review the policy to understand the specific coverages.
The key is to have a reliable insurance broker, like Birlik, to guide you in selecting the best SCTR insurance option and provide the necessary support to guarantee your workers' protection and legal compliance.
Most EPS insurance policies offer virtual healthcare services, which may include online consultations with doctors, home delivery of medications, and telephone medical advice. These services make healthcare more accessible without leaving home.
SOAT is essential because it protects you from facing devastating financial consequences on your own. Additionally, it is mandatory to have it in Peru; otherwise, you may face fines and penalties, which could even result in the loss of your driver's license. We hope this example clarifies how SOAT works.
Comprehensive vehicle insurance offers the most complete protection for your vehicle, your family, third parties, and yourself against unexpected situations such as theft, accidents, fires, natural disasters, and more. The cost depends on the plan you choose, the make, model, year, use, and value of your car.
Your home insurance premium depends on several factors, such as the location of your home, the reconstruction value of the property, the selected coverages, and your claims history. We can help you determine the exact cost.
Structure coverage refers to the protection of the property itself, such as the house and associated structures. Content coverage focuses on your personal belongings, such as furniture and appliances. It is important to consider both coverages for complete protection.
In the event of a loss, such as a fire or theft, you should immediately report it to Birlik or your insurance company and follow their instructions. Documenting the damages with photos and keeping a record of losses can speed up the claims process.
Medical history can vary depending on the insurance. It is crucial to understand how your history will affect your coverage and potential exclusions.
You must immediately contact us or the insurance company as soon as the incident occurs to report it and receive the corresponding instructions. The time of reporting is crucial to access insurance coverage, except in cases of demonstrable force majeure.
Depending on the severity of the accident, insurance companies require the following to be presented within 48 hours:
1. Police report filed at the police station in the area where the incident occurred.
2. Alcohol test certificate conducted by the National Police of Peru, if applicable.
3. Certified copy of the police report ordered by the National Police of Peru, if applicable.
The obligation to present the above documents may be waived in some cases, provided the incident is reported within one hour of its occurrence, without moving the vehicle from the accident site, and with the express authorization of the insurance company.
