All of us who have been victims of theft of a component of our vehicle while parked, we wonder, why the hell do I pay insurance, if when I need it it will not cover me?
The objective of having a comprehensive coverage insurance is to protect you and those who travel with you, as well as third parties in the event of an accident, both people and material, that is, your car. ¿Why only if it is stolen at gunpoint or completely disappeared, does the insurance protection apply, and not when some of its parts are removed?
Read: The 5 most stolen auto parts in Mexico
This void, which at least from my perception is an abuse by insurance companies, also encourages the black market for auto parts. And it is that when someone suffers a minor mishap, and they are told that a lighthouse in the agency costs 50 thousand pesos, and the deductible for the repair costs 70 thousand, well, we already know what in many cases will end up happening.
And for the record, I don’t justify it at all we should never resort to the black market to replace a part of our vehicle, because we would precisely be promoting that crime of which we have just been a victim.
But that’s the way things are and if you want to have protection in the event of auto parts theft, you will have to buy separate insurance.
What’s happening?
Mazda has announced that, Auto parts insurance for your cars is available from August 1, which can be purchased at any of the 62 distributors in the country. Joining brands such as SEAT, CUPRA, VW and Audi that already offer this type of insurance.
The annual premium will not exceed 3,000 pesos and represents an insured sum of up to 70,000 pesos. Additionally, the deductible is 0% if the repair is performed at the Mazda dealer. Also, this policy can be requested as an extension of home insurance, Mazda Insurance or any other current insurance policy.
The costs are:
- 2 thousand pesos for new units (2021 model and up to 3 months after the unit was delivered)
- 3,000 pesos for pre-owned vehicles (up to four model years, that is, from 2018 models)
What does this auto parts insurance cover?
- Rim plugs
- Studs (including security)
- Pin caps
- Lid bucket caps (pin caps)
- Fascias, front and rear
- Grill
- Roof racks
- Plate holder
- Exterior trim
- Fascia grids
- Fascia and / or fender quarters
- Emblems
- Hoppers, front and rear
- Headlights
- Foglamps
- Calaveras
- Mirrors (glass and / or mirror housings and / or mirror skulls and / or mirror control mechanisms and / or supports)
- Front and / or rear windshield wipers
- Sunroof and / or its components
- Front and / or rear fascia caps
- Gas Cap and Cap
- Outdoor antenna
- Rear license plate lighting rooms
- Ailerons with or without brake light
- Stereo and / or its control buttons
- Color touch screen
- 9 ”video screen
- Rear view camera
- Co-pilot glove compartment lid and sheet metal
- Seats and / or their components, as well as their fastening devices
- Wheels
- Tires (subject to restrictions)
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