Frequently Asked Questions
1Why take out insurance?
The purpose of insurance, whatever its type, is to protect us against an accident that may affect us personally or the assets we own.
Thus, having insurance is of vital importance today, as it helps us prevent unnecessary expenses and ensures that we do not have to disburse money that could harm us economically and those properties of which we are the owners.
2Can I take out insurance through this website?
Of course. In the age of the Internet and new technologies, many insurances can be taken out remotely. In the case of this website, before the final contract, our professionals will contact you to confirm the payment details for your total confidence and to avoid fraud.
3Is the insurance more expensive if I take it out on this website?
In no case. As an insurance brokerage, our business is based on obtaining a very competitive price from among several insurance companies with the addition of providing a comprehensive service to the client.
During the term of the policy, we are at your service for any questions or accidents you may have, processing said claim with the company directly.
4What are coverages?
The coverages of an insurance policy, also called guarantees, are the benefits provided by the insurance company to protect you against possible accidents that you may have.
In any insurance, the coverages or guarantees are the most important thing you should take into account. Look carefully at the risk you run and what are the best coverages you choose so that the compensation covers the damages caused if you have an accident.
5What is the insurance premium?
The premium is the price of the insurance that the policyholder pays to the insurance entity as consideration for the risk assumed by the latter and the commitment to pay the agreed compensation. So, if the person who contracts does not pay within the established period, the contract may be rendered ineffective in the event of a risk.
6How is the premium of an insurance policy set?
The premium of an insurance policy is based on statistics and tables that vary each year. Factors such as the number of insured, the amount of claims and the coverages contracted will make the price of the insurance higher or lower. With the premiums, the insurer constitutes a fund to be able to pay the compensation at the time the claims occur. Thus, all the people who take out insurance are jointly and severally liable for the payment of the claim or claims that one of the insured may suffer.
7Can the premium be divided into several payments?
In principle, if the premium does not rise to a very high amount, a single payment is usually made. However, if the amount is higher, a fractioning into several payments (quarterly or semi-annually) can be agreed.
8Why has the price of my insurance gone up?
Insurance companies usually maintain a similar premium from one year to another if there has been no claim. But it is inevitable that the amount is not the same every year.
This is due to the national and international economic environment. In addition, the premium of an insurance policy is based on statistics and tables that vary each year.
With the premiums, the insurers constitutes a fund to be able to pay the compensations at the moment in which the claims take place. Thus, all the people who take out insurance are jointly and severally liable for the payment of the claim or claims that one of the insured may suffer.
9What is the deductible?
An insurance with a deductible means that the insured will take charge of a part of the damages if he suffers an accident. The deductible is an agreement between the insured and the insurance company in which each of them is responsible for a percentage of the compensation. In case of claim, the insurer does not pay the full invoice of the repair since a small agreed part will be borne by the insured.
10What is Civil Liability?
We must be aware that any natural person or company can cause damage to a third party. A restaurant can poison a diner, the owner of an apartment can have a water leak that causes drips to his neighbor, or a doctor can harm a patient due to his malpractice. The civil liability insurance protects the insured against an accident that has caused to a third party. Thus, the insurance company will take charge of the cost of the claim.
11What is the difference between a brokerage and an insurance company?
Insurance brokerages are mediators that are not linked to any insurance company, so they offer independent advice and the product that best suits the needs of the client. Brokers are subject to strict regulations of financial and professional requirements, with the obligation to comply with them in order to develop their daily activity. Customers receive a reliable and professional service.
12What do I do if I have an accident?
If you suffer an accident covered by the policy of your insurance contracted with us, you can communicate the claim to us quickly and easily through this link:
Report a Claim
As your brokerage, we will process said claim with the insurance company and ensure your interests. We will keep you informed at each step of the processing with the company.
13How can I access the ERSM app?
1. To access the app we must have your email and phone in our database*.
2. The first time you access the app you must go to 'recover password' and you will automatically receive a message with a password in your email. If you do not receive it, check if it has entered the spam folder.
3. Access the app with your ID (12345678A) and the password provided in the email you will have received.
* If you have not provided your email and phone to ERSM Insurance Brokers, you can do so by contacting through WhatsApp.
14I do not want to receive more communications from ERSM
If you have received any communication (email or SMS) it is because you are a client of ERSM Insurance Brokers Correduría de Seguros, and you have a policy contracted with us.
Surely you have contracted the insurance through one of our collaborators distributed throughout the national territory (workshops, dealerships, offices,...)
For your interest, it would be important that you could receive only the information strictly related to the policy contracted with us. By law it is our responsibility to inform you of any matter in this regard, either as an improvement of the service to our clients or as a particular issue of said contracted policy.
15What is the roadside assistance phone number of my company?
We provide you with the roadside assistance phone numbers of the main insurance companies. Here you will find the number of your company to which you can call immediately:
ALLIANZ 914522912
ARAG 933001050
AXA 900300188
AXA TRUCKS 900101681
CASER 915949422
CATALANA OCCIDENTE 932220212
DAS 935202270
DIRECT SEGUROS 900300100
DRIVE&WIN 915949328
FIATC 900302020
GENERALI 911697854
GES 900101399
HELLO AUTO 954327354
HELVETIA 913939057
LIBERTY 900101369
LINEA DIRECTA 919180180
MAPFRE 918365365
MMT 900600060
MUSEPAN 963918175
MUTUA MADRILEÑA 915578205
PELAYO 917496800
PLUS ULTRA 917838383
QUALITAS 900901281
REALE 912741375
ZURICH 934165040