Four months after the authorization of the Superintendence of Private Insurance (Susep) came into force, insurers began to offer flexible policies for automobiles with options on the market, on average, 33% cheaper than traditional insurance, but with less comprehensive coverage .

Among the products available, there are those with the possibility of contracting insurance that only covers theft and theft, or only collisions. Others offer both options, but with compatible replacement parts, but not original from the automaker. On average, traditional insurance costs

R$ 2 thousand per year. The economic one costs R$ 1,650. Stay on top of the news that affect your pocket. Sign the EXAM Susep’s objective is to popularize access to insurance. In the sector’s calculations, only 30% of the Brazilian circulating fleet has coverage.

The National Federation of General Insurance (FenSeg)

estimates that in the next three years, the possibility of contracting more flexible products and, therefore, cheaper, could increase the insured fleet in Brazil by 20% to 25%.here are two audiences: one that was an insurance consumer and lost purchasing power and is looking for products that are more consistent with their reality. Another who bought the vehicle, but did not put the insurance value into the account, and now has an opportunity to reassess what portion of insurance fits in his pocket — evaluates Marcelo Sebastião, president of the FenSeg Auto Commission. Attention to surprisesBut attention must be paid to what is being hired and what is being left out of coverage to avoid surprises at the time of a claim: — The intention to relax and simplify the rules is good. But the movement requires a lot of care. To meet according to need, policies have to be very clear about coverage and exclusions. The person needs to understand what they are hiring