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Product Overview
Motor Insurance
Greater confidence to drive with protection suited to your usage profile. This product protects your vehicle against contractually covered events and helps reduce the financial impact if something happens.
Recommended for: Private drivers and businesses that use vehicles daily and want cost predictability for unexpected events.
Next step: You send initial data via WhatsApp. The team analyses and presents conditions before any purchase.
- Urban mobility
- Personalised cover
- Claim management
1)What this insurance helps protect
Common protection examples for this product. Final conditions depend on the policy chosen.
- Cover for damages and liabilities as provided in the policy.
- Option to add additional protections according to your profile.
- Guidance on excesses, limits and eligibility criteria.
- Support in opening a claim.
- WhatsApp channel for follow-up with a human team.
2)When this product typically makes sense
- Those who depend on their car for work and daily travel.
- Families with frequent vehicle use.
- SMEs with small fleets and a need for risk control.
- Those who want to purchase with a clear understanding of conditions.
- Read carefully
3)Key points to consider before purchasing
- Excess may be applied depending on type of incident.
- The driver's profile influences acceptance and price.
- Common mechanical faults are not automatically covered.
- Limits and exclusions must be reviewed before signing up.
4)What typically influences the price
- Make, model, year and use of the vehicle.
- Profile and driving history of the main driver.
- Level of cover and excess chosen.
- Usual location of travel and parking.
5)Documents typically requested
- Identification document of the policyholder.
- Vehicle documentation.
- Driving licence of the main driver.
- Other information requested during risk assessment.
6)How the purchase process works
- Share vehicle and driver details on WhatsApp.
- Receive options with explanation of covers and excesses.
- Validate conditions and send necessary documentation.
- Purchase only takes place after document review and formal acceptance of the proposal.
7)How to file a claim
To speed up processing, have these details ready: insurance type, date of occurrence, location and brief description.
- Report the incident via the official channel with date and location.
- Send photos, account and requested documents.
- Follow inspection or technical validation instructions.
- Monitor each phase of the process with the Horizonte team.
8)Quick questions about Motor Insurance
Important: contract transparency
This content is informative. Covers, limits, exclusions, waiting periods, excesses and activation rules depend on the proposal, policy and underwriting analysis.
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