liberty Seguros by jolinmilioncherie


									  1          Business NEWS                                                                                                      EDITION 670 :: 1/6/2012 - 14/6/2012 :: ISLAND CONNECTIONS

    Insurance service >>                                                                                                                                        advertising >>

liberty Seguros                                                                                                                                             You paYS for WHat
                                                                                                                                                            You getS
                                                                                                                                                            M      ore than ever, any-
                                                                                                                                                                   body with a business

                                                                                                                                                            these days is looking to op-
       ow do insurers deter-
                                                                                                                                                            timise their results from ad-
       mine what your mo-
                                                                                                                                                            vertising for the minimum
       tor insurance quote
                                                                                                                                                            of expenditure, but as in the
should be?
                                                                                                                                                            rest of life, you get what you
   As part of the recent launch                                                                                                                             pay for.
of its new and improved mo-
                                                                                                                                                               Firstly, there is the service
tor insurance policy, Liberty
                                                                                                                                                            and quality aspect, which is
Seguros, the leading expatriate
                                                                                                                                                            generally more subjective.
insurance provider in Spain, has
                                                                                                                                                            Does your chosen company
compiled an informative list of                                                                                                                                                                 A ‘cheap deal’ could end in court
                                                                                                                                                            have qualified ad designers
factors taken into account by
                                                                                                                                                            and bi or tri-lingual staff        magazines a publisher finally
insurance companies when
                                                                                                                                                            to ensure you get the              delivers to the streets is called
determining insurance rates.
                                                                                                                                                            best quality/price ratio           the OJD/PJD. Publications pay
While some are general, others
                                                                                                                                                            value for your advertising         to be included in this audit, so
are specific to the vehicle and
                                                                                                                                                            investment?         Does their     that their prospective clients
its owner.
                                                                                                                                                            profile of potential readers       can clearly see that they are
                                                                                                                                                            and current advertising            receiving the service for which
   Here are some of the                                                                                                                                                                        they are paying, ie a specified
                                                                                                                                                            portfolio fit in with your
  general and personal                                                                                                                                                                         number of copies delivered
                                                                                                                                                            chosen market?
    factors that affect                                                                                                                                                                        to distribution outlets. Such
                                                                                                                                                               Secondly, there is the
     insurance rates:                                                                  General and individual factors affect the cost of your insurance
                                                                                                                                                                                               publications earn the right to
                                                                                                                                                            legal aspect. If you receive
                                         • Your address - where you        Cover                                   reputable, secure company                two quotes for what appear         put the OJD/PJD logo on their
    • People have accidents           live and whether or not the car        • 10 per cent Named Driver            in your language, visit www.             to be the same amount of           front page, as is the case with
- over 40 million accidents           is kept in a garage will affect      Discount                       or call            space for the same amount          all of our publications.
around the world each year.           your quote.                            • Courtesy Car/taxi                   902 255 258 to find the name of          of distribution, which are            If this guarantee is lacking,
    • Cars are expensive to re-          • Your driving record - having      No matter what time of day            your nearest Liberty Seguros             widely apart, in an economy        then the only other way to
pair – sometimes replacement          fewer accidents, violations or       your car breaks down or if you          broker.                                  where everyone is striving         confirm the numbers printed
parts alone can cost about three      claims in your driving record        lose your keys, “don’t panic” as                                                 to be as competitive as            is to ask for sight of an original
times as much as purchasing           will also help lower your car        the new ad campaign denotes.                                                     possible, be suspicious. It        print bill, and if you are dealing
the same car new.                     insurance quote and might            Liberty Seguros will be there              about Liberty seguros                 could be that they are not         with a local printing company,
    • Medical treatment for           make you eligible for a no-          to help. A courtesy car or taxi                                                  declaring all the income for       an original bill from the head
accident victims is expensive         claims discount.                     will be provided to keep you               Liber ty Seguros is the               tax or are using uninsured         office of their firm, probably
- rising health care costs means                                           moving if your car is being re-         leading expatriate insurance             and non-taxpaying workers          in mainland Spain. Not a
upward trends in medical treat-         The new and improved               paired and if your keys get lost        provider in Spain with over              in some fields of their            letter, or a photocopy of any
ment costs in the event of an         car insurance policy from            they will be replaced without           150,000 international cli-               operations. Ignorance is no        kind, sadly photoshop can be
accident.                             Liberty Seguros means cus-           any hassle.                             ents, committed to providing             excuse for the authorities         misused as well as used. If
    • People steal cars - as car      tomers now get more for                                                      high quality, competitively              and if they are caught, you        this bill is not available, then, it
theft continues to rise, so will      their money. The policy                Plus, if you have a tracker           priced insurance products                too could be caught up in          could well be the case that you
the cost of car insurance.            is specially designed for            device installed in your car            and services to both personal            a court case for defrauding        have been misled, or, not to
    • Some people file fraudulent     expatriates and some of the          you may be eligible to receive          and business users.                      the state.                         put too fine a point on it, you
or inflated claims - these people     covers included are:                 a sizeable discount.                       Liberty Seguros has been in              Or it could be that they        have been conned into paying
believe an accident is an oppor-                                             As Liberty Seguros works              operation since 2001 and is one          are not being completely           for a service that you haven’t
tunity to make money.                   • 24 hour Roadside Assist-         only with the best brokers,             of the top 10 insurers in Spain          honest as to how many              received.
    • Your car - the more expen-      ance                                 customers receive premier               with a total of 1.5 million cus-         copies they publish. Sadly it         You are perfectly within
sive a car is to repair or replace,     • Key Loss Cover/Replace-          ser vice with the flexibility           tomers. It is part of the Liberty        is a world that is wide open       your rights to ask for sight of
the more it costs to insure.          ment                                 to tailor a policy to suit their        Mutual Group of Companies,               to misinformation, abuse           this document and we would
It’s important to highlight the         • Up to 65 per cent No-Claims      specific requirements.                  the fifth largest property and           and black market trading.          strongly advise you to do so.
car’s safety features as it can       Discount                               If you need to buy quality            casualty insurance company in            In Spain the body of auditors      If it turns out that they have
help lower your car insurance           • Tracker Device Discount          car insurance at an affordable          the US with more than 90 years           which checks exactly how           printed less than specified in
quote.                                  • Extensive Breakdown              price and want to deal with a           experience in the sector.                many         newspapers       or   your contract, then you are
                                                                                                                                                                                               entitled to reduce the payment
                                                                                                                        Business news >>                                                       accordingly at pro rata or less.
                                                                                                                                                                                               If they are unable or unwilling
                                                                                                                   COMMerCe                                                                    to give you that proof, our

               AnneHobson                                                                                          Chinese phenomenon
                                                                                                                                                                                               advice would be to withhold
                                                                                                                                                                                               payment. After all would you
                                                                                                                                                                                               pay for a three course meal if
                        Insurance Services                                Exclusive Agents
                                                                          Nº C0467X02232165S
                                                                                                                     Shops and businesses                 over the same period
                                                                                                                                                                                               all you were served was a plate
                                                                                                                                                                                               of chips?
                               For all your insurance needs
                                                                                                                   are closing everywhere                 from 1,082 to 1,400.
                                                                                                                   since the crisis began,
                                                                                                                                                            The phenomenon is not
                              Cars • Vans • Boats • House Office • Medical • Life Pensions • Golf • Travel         but one sector is on the
                                                                                                                                                          only confined to the Is-             has been swift and ef-
                            Vista Hermosa 1, Portal 3, Bajo A                                                      increase, the so called
                                                                                                                                                          lands, nationally the in-            fective although not al-
                            Carretera Los Cristianos a Guaza • 38650 Los Cristianos                                Chinese shops.
                                                                                                                                                          crease has been a stag-              ways welcomed.       Luis
                            Tel/Fax 922 793 866 • Mob 679 727 315                                                    Since the beginning of               gering 74.4 per cent                 de Miguel, the president
                           Email:                                                    2008, the number of Chi-               in the number of busi-               of the shops federation,
                          Upon taking out a new motor policy with all-risk cover from 10th February to             nese run businesses have               nesses and an increase               Fedeco, has insisted on
                          30th April 2012, for a premium of over €450, clients will receive €60 per bank           increased by 38 per cent               from 21,261 to 37,084                several occasions that
                         transfer if they pay by Direct Debit. And if payment is not by Direct Debit, you          in the Canaries according              in the self employed over            they work on a “different
                        will receive a petrol card give-away for €30. Also on taking out new house                 to the national federation             the last four years. The             system to ours” because
                        policy, €20 cash back - if paid by direct debit.                                           of the self employed (ATA)             movement away from the               they work all hours and
                                                                                                                   and he number of Asian                 traditional restaurants to           above all because they
                        Professional Service with a Personal Touch                                                 self-employed increased                food shops and bazaars               compete on prices.

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