american collectors insurance

How much is insurance for boats, bicycles, airplanes and vintage cars?



It is important to make insurance for any vehicle that presents a risk of collision

1. Jeeps 4x4 can cause serious damage to other vehicles

São Paulo - In the same way that insurance is no longer optional for those who buy a car, it is also on the list of first needs to hire this service for those who own other vehicles. Sports bikes, boats and even jet-skis can offer similar collision hazards to cars. Only insurance can eliminate the risk of loss of assets and also guarantee the payment of medical expenses that may be necessary. In the case of jeeps, an important feature of your insurance is the guarantee of coverage of damages caused to third parties in the occasion of an accident involving the Insured jeep. It is very common for a collision to cause minimal damage to the jeep body. However, they can translate into headaches for the other vehicle involved.

Insurance company Alfa, through brokerage Arizza, has created specific insurance for 4x4 jeeps and off-road vehicles. The insurance calculation is based on the jeep model, age, sex and marital status of the driver and mileage traveled annually. A jeep model Willys over 30 years of age can pay, annually, 550 reais insurance.
2. Old or paralyzed cars

Arizza brokerage specializes in insurance for old cars and, according to information from Francisco Penteado, broker of the company, this type of service was thought at first for black plate cars - that is, collectors. "However, we extend to other types of vehicles whose manufacture has been paralyzed," explains Penteado.

In the case of collector vehicles, such as the Aerowillys model older than 30 years, the cost of insurance can be approximately 630 reais per year. Already in the hypothesis of a canceled production vehicle like the Beetle, any year of manufacture, the value of the insurance rotates between 525 and 560 reais per year.

3. Sports bike insurance can cost 350 reais

The model of the photo is not a walking bike, but a sports bike, suitable for speed cyclists. A copy like this one, with the stamp of the American brand Specialized, can cost more than 2,000 dollars in the internet.

Sports model bicycle insurance can ensure coverage against theft and qualified theft while the owner pedals or transports the bicycle. According to simulations by insurance company Kalassa, which specializes in extreme sports, the cost of an annual insurance of models, whose values ​​are between 5,000 and 10,000 reais, costs around 350 reais per year.
4. Insurance for Jet-ski costs more than one thousand reais per yearJet skiing can be the family's fun during the summer. But to get a model like this one from the photo, the Sea-Doo GTI SE, the interested party has to shell out approximately 28,000 reais.

And to keep it as safe as possible, there is no escape from insurance. In the case of this type of vessel, a basic package has coverages for total loss, assistance and rescue, theft or total theft of the vessel, as well as expenses for the removal and placement of jet-ski in the water. The average cost of a package with these basic guarantees is 1,650 reais per year.

5. Boat insurance must cover water placement and withdrawal operation

Buying a motorboat, yacht or any other seagoing boat is the dream of many people. The acquisition process, however, is not so simple. You need to adapt a vehicle to make it capable of picking up a boat from the store, putting it in the water and then taking it out. In addition to the maintenance costs, it is part of the conscious captain's role to ensure the integrity of the boat.

According to Kalassa brokerage estimates, an insurance package for marine vessels covers total loss, assistance and rescue, theft or robbery, in addition to the operations of placing and removal of the boat and transport for participation in fishing competitions, for example. The insurance for a vessel valued at 220,000 reais, can cost, on average, 3,000 reais per year.
6. RETA insurance is mandatory for aircraft

It is logical that the national fleet of aircraft is much smaller than that of cars. But the private plane is already a reality for more than 10,000 Brazilians. If the intention is to buy an aircraft, insurance becomes mandatory. Any airplane must have the RETA Insurance (Operator's Responsibility or Air Carrier), without which it is prevented from leaving the ground. This insurance guarantees the coverage of the life of the crew and passengers of the aircraft, in addition to possible damage to the ground in the event of an accident.

In order to calculate the value of the RETA, the insurer takes into account the type of aircraft; the utilization; the number of crew, passengers and baggage; the time of flight hours, etc. According to a simulation by insurance broker Kalassa, a Embraer jet, model BEM 110, in 1974, with a maximum weight of 2,727 kg and used by individuals, will cost R $ 5,700 per year.