When is a prior inspection mandatory for car insurance?

Are you thinking about taking out car insurance, or changing insurance companies and want to know when a preliminary inspection is mandatory for your insurance? So follow this article, understand more about this process and when it is mandatory or not.

Anyone who owns a car knows that it is very risky to drive it without having insurance.

However, when hiring this service, you must undergo a prior inspection. But, do you know what this inspection is?

It is common to be unaware of the nomenclature and processes involved in taking out car insurance, but that is no reason for you to give up on taking out this service.

If you want to better understand what the preliminary inspection is about and when it is mandatory, read this article.

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Understand better what a preliminary inspection is

The preliminary inspection is an analysis that the insurer will carry out of the vehicle, that is, it will see the condition of the car, whether there is any damage or problem that prevents certain coverage.

All this following the regulations of SUSEP – Private Insurance Superintendency.

This procedure is usually carried out at a post accredited by the insurance company or with a specialist going to the location where the client is located.

Only after approval and verification that there are no problems does the insurance begin to come into force.

Situations in which prior inspection is mandatory

Basically, whenever you insure a vehicle, it needs to be inspected, but other conditions may also require this procedure. See some:

• Replacement insurance company – If you intend to renew your insurance with another insurer, the vehicle may be required to undergo an inspection. This will depend on the rules of each company, some waive the procedure.
• Purchasing insurance for a used vehicle – If you are insuring the car for the first time, if it is used, the insurance will require that the inspection be carried out.
• Inclusion of new coverage – When adding coverage to the insurance, the car will undergo a new inspection. This is done to assess the condition it is in and whether there are any problems that would prevent it from taking up additional coverage.
• Insurance renewal after expiration – If the insurance was not renewed within the validity period, a new inspection will be required after this period.

Situations in which prior inspection is unnecessary

On the other hand, there are also situations in which the insurance company will not require the vehicle to be inspected. These are:

• Purchasing insurance for a Zero km car – Because the car is new, the insured understands that it is in good condition and does not require an inspection. However, it is necessary to send all documentation to the insurance company, such as the vehicle invoice.
• Insurance renewal on time – If the insurance is renewed with the same company and is within the validity period, the prior inspection is also usually unnecessary.

It is worth mentioning that although these are the most common situations, each insurer can determine its rules.

The prior inspection may be mandatory or dispensable in different situations from those mentioned.

What is the risk inspection?

Insurers also work with another analysis known as risk inspection, which is a more in-depth study, carried out by specialists with the intention of evaluating all the risks, and their levels, that the vehicle and the insured person have.

Most insurance companies call this process profile analysis, however, there are those that call this procedure a risk survey.

This procedure is essential for the value of the insurance premium to be defined.

In other words, the lower the risks of an accident or robbery or theft, the lower the value of car insurance will be.

As you can see, there are not many mysteries surrounding the prior inspection, it will always be required when taking out insurance is the first with a particular insurer, or when renewal is carried out after the stipulated deadline.

But, if even after reading this article you still have doubts about the subject, it's worth looking for a broker you trust and asking for more information.