Insurance stocks soaring 2.82 percent.

Benchmark Tadawul All- Share Index of Saudi Arabia ( TASI ) continued a positive boost on Sunday, advancing further half percent.
While upward curvature in the territory throughout the day added 41.56 points , closing at 8,551.23 points.
On YTD basis , TASI registered a positive return of 25.73 percent. Micro cap with a 1.2 percent rise is still important among the indices of market capitalization.
Eleven of the fifteen sectors TADAWUL closed , reflecting a collection of 546 points . Insurance surpassed the rest of the sectors , up 2.82 per cent to close at 1,193.14 . Hotel & Tourism sector followed, with an increase of 1.27 per cent . The banking sector has added considerable 210 points , more than one per cent .
Most heavyweight finished to the upside, with Saudi Telecom growth of 2.8 per cent , 2.75 per cent and SABB Riyad Bank 2.06 per cent . The bellwether SABIC ( Saudi Basic Industries Corp. ) ended without any change , but topping the charts of liquidity pouring SR435.4 million in the market.
While , Alinma Bank continued its most active state , liquidating over 25 million shares and to achieve a market share of 11.4 percent relative market .
More than 225 million shares worth 6.0 billion SR exchanged hands on the Saudi stock market . The average 50-day volume of trade is closer to 180 million shares.
I easily advancers outnumbered declining stocks on the Tadawul , as for 64 percent of the stocks that gained , 22 percent ended lower and 14 percent remained unchanged.
New player ANB Cooperative Insurance Company has once again made ​​the big jump between all equities Saudis , realizing a maximum growth of 10 percent to SR34.1 . An appreciation of 241 percent of the value of ANB was recorded in 19 days.
Malath Saudi Re for Cooperative Insurance and Reinsurance were other key players, respectively, showing a solid growth of 9.95 per cent and 9.73 per cent .

Car Insurance.with Unipol , Fondiaria Sai and Milan you pay the bill in installments and interest-free

From today, the three insurance companies offer policies with affordable payment spread over 10 monthly installments.
It 's finally the real ability to pay in installments without interest and even the insurance policy on the car. With Milano Assicurazioni , Unipol Assicurazioni and Fondiaria You know, in fact, until June 30 , you can choose to split into ten monthly installments the cost of the policy .

An important advantage achieved by the three insurance companies with the collaboration of Finitalia Spa , a financial company which is part of the Unipol Group . Obtained approval from the finance company , the amount of the bill will be split with Tan and APR of zero : all of the financial burden , in fact, are the responsibility of the three insurance companies.

Going into the details of the offers, the Milano Assicurazioni and Fondiaria -Sai provide two types of awards: the basic rate Rc Cars and dental insurance "Medium" which includes other warranties relating to any injury of the driver, roadside assistance and legal protection . With these deals , in addition, Milano Assicurazioni can guarantee two other discounts : Auto Presto & Bene at a discount on the bill in case this form is chosen to carry out repairs and the smart car that allows the location of the car in event of an accident with an additional 20% discount on the warranty TPL and up to 65% for those who subscribe to the guarantees Fire and theft .

There are three , however, the possibilities offered by Unipol Assicurazioni : the basic rate TPL , in addition to payment by installments , without interest , includes Repair comfort, or the use of one of the three thousand car repair shops that provide repairs quickly and with original spare parts. In the event that you are not responsible for the damage , it is not necessary to advance money and you get a good petrol free.

The more complete the formula , " Medium" , which also covers any accidents the driver, collateral , legal protection and the installation of the device in the car Unibox assistance for safe and fast .

With just a few Euros more you can choose the solution "Large" which in addition provides for the warranty Fire and theft and coverage of direct physical damage resulting from the failure of the vehicle's glass due to accidental cause .

I stole my car ! "- Auto insurance

And no, car theft that does not happen to others . That does not happen any more than on cars that cost 55,000 euros . Proof your old Peugeot 307 has disappeared, without presenting a large pecuniary interest. You have been reporting your car stolen to the police ( see the first part of this article) and you now need to perform the steps with your auto insurance.

Attention to time

Before anything else , make sure that you are insured against theft . This is the case in most contracts all risks. This is not necessarily provided on a contract to third parties. It is therefore an element carefully taken into account when performing an auto insurance quote. If you are insured against theft, according to most contracts, you need to meet a deadline, usually 48 hours to report the theft to your insurance. It can not be less than 2 working days (Sundays and holidays do not count ) . To report the theft to your insurance, you should inform them of the theft report , by registered mail or direct agency .

Car found or not?

What will happen next ? Several scenarios . In your contract include a time limit , usually 30 days from the declaration of the flight, after which your insurance will consider the car as permanently lost.

Your car is found before the deadline

Then you get your car in the state. In the event that the car was damaged, the body was pressed , broken windows, or other , your insurance will pay for repairs. This boils down to the usual case of repairs which will involve a possible minimum amount of repairs and a deductible (depending on your policy ) . It goes without saying that you need to prove that your car has suffered an attempted robbery (forced lock, steering lock forced , manipulated son ... ) .

If there is no evidence of tampering , you must strive to prove by evidence , expertise of the car, you're not about to cheat your insurer. The courts , however, have repeatedly recognized the flight without breaking valid. By an almost constant jurisprudence , it is generally acknowledged that " we can start a vehicle without damaging the wiring harness [...] the flight can be found even in the absence of evidence of tampering on the burglar " or that "the absence of evidence of tampering does not prove that the flight was not done by a skilled specialist ."

We do not find your car

It will be considered stolen after a period of generally 30 days. The insurer then you will "buy " the car , you will give him the keys and the logbook, and it will in turn compensate you according to the clauses in the contract to a value determined by an expert . In the case where we find the car beyond the period of 30 days, you can choose to keep the compensation paid by your insurance. It then retrieves the car (which is it in fact) and resell . You can also choose to get the car , with your insurer reimbursement of the compensation that you had paid.

Finally, several clauses come into play when a car theft. It is important when choosing your insurance , compare offers and different clauses. Internet is a good tool for this as number of comparators exist online . You can find more information LesFurets.com or another such site .

You can also find other useful information in our special section auto insurance
Searches related to this article
I got my car stolen
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Insurance Rates : Men and women pay they the same thing?

Since the transition , there is a year of new regulations that changed the terms of insurance rates , men and women are supposedly housed in the same boat as the price of their coverage. Supposedly ...

On 21 December 2012, the insurance industry found itself buffeted by a new provision imposed by the European Court of Justice : the abolition of all forms of price discrimination between the sexes. From that date , no further insurer was entitled to propose a reduced price or premium to a client on the grounds that it is a man or a woman.

How is the insurance rates ?
Recall that for a set price , an insurer enjoys three parameters. First, the cost of claims and their frequencies. Such a young motorist who potentially more likely to cause an accident due to his lack of experience on the road . Second criterion , costs, charges and management costs that correspond to taxes , wages and rents that the insurer must pay. And finally the profits they generate , ie margin . All its factors , in which the sex of an insured is often linked , play on the development of pricing policies , especially if the values ​​change .

The end of gender discrimination in rates would have lead to tangible economic changes for the French. Most would see as the price of their coverage lower or raise . One year after the proclamation of the new legislation , the time of reckoning has come . Men and women are they really on an equal footing ?

self
In theory
Considered less creative accidents than men on the road, women had until 21 December 2012 reduced their auto insurance rates , 8% cheaper on average by comparison Assurland . A difference that could even reach 20 % savings for young female drivers , once past their period of probationary license .

In practice
So the women would see their insurance premiums increased, and those men diminish. In fact, things seem to have changed the comparators, evidenced by the simulations carried out by journalists Insurance News who obtained identical profiles , tariff equalities between men and women. However, only the results of the same companies , usually pure players (online insurance) emerge every time. Impossible to know the prices offered by the big brands . And for good reason , such as Stéphane reveals Chappellier , Actuary and Associate Head of Casualty division in Actuaris , insurers retain their secrets quote based on gender.

Insurers have therefore been able to find some well advised to bypass this end tariff inequalities parades. Another of their tactics is to rely particularly on the fiscal power or use of a vehicle. Women generally driving, and more sporadically , small city cars less cut to achieve excessive speeds , it is easy to provide reduced to a less automobile accident- rate. Insurance companies can therefore focus on criteria other than sex to lead to price equivalent to those before December 21, 2012 .

health
In theory
Statistically taking better care of their health, more frequent consultations multiplying (dermatologists , gynecologists, dentists , radiology ... ) but also due to higher expenses during the period of pregnancy and during menopause , women cost more to their insurers. They therefore paid accordingly premium / higher than men ( 10% more on average according Assurland ) contributions for their coverage before December 21, 2012 .

In practice
Less critical than self , the decision of the European Court of Justice was to have a mixed impact on health rates. Only 10% of French would find themselves affected , mainly because of the proportion of employees (50%) covered by mutual companies . These covers financed half by employers , have never considered sex for the determination of rates. Through collective risk pooling , each employee is entitled to the same protection for the same price .

Also learns that Stéphane Chappellier

In life insurance
In theory
If one refers to statistics on life expectancy , men live shorter lives than women. A difference that was transcribed directly on premiums / contributions to life insurance contracts before December 21, 2012 , playing to the disadvantage of the male sex .

In practice
At present , unclear whether insurers have played the game of equal charges in this segment. The longevity gap is reducing increasingly gender , therefore insurance prices tend to equalize year after year without the Law of 21 December 2012 has no real impact on it.