H1 Main Content

INS

CONTACT

ARCR - Carlos David Ortiz
ARCR customer Service
Tel: 4052-4052
'Carlos Ortiz / ARCR' <insurance@arcr.cr>

EMERGENCY

Things you should know
• When an event that could give place to an indemnification under this policy occurs, the Insured must call INS at 800-800-8000, if other vehicles are involve you also need to call the police officer at 911, do not move the car until they authorize you.
• The deductoible for Liability (Property Damage to the thir parties) is apart of the deductible for Direct Damage to your vehicle (In case you have your policy with coverage on your vehicle)
• In case you need roadside assistance please call INS at 800-800-8000. Only vehicles under 20 years old.
• Taxi service to the airport and vice versa, is provided only to vehicles under 6 years old, you have to inform INS within 2 weeks in advance calling 800-800-8000. Only 2 round trips are provided per year the service is provided only to the Policy Holder, 40Km distance.
• The roadside assistance is only provided to the Policy Holder or a person the Policy Holder reported in the policy as a regular driver.
• The towing service will be provided only if the vehicle is on the road or at least 3 tires of the vehicle are on the road. 40 Km distance.
• Keep the insured amount of your vehicle updated in the policy, the value of vehicles tends to decrease over the years here in CR. indemnification will be based on the current market value.
• This Insurance Policy only covers the vehicle you are reporting at the moment you are issuing this insurance, if you change your vehicle for another one, you must report it to us to make the respective changes in your policy.
• Please check the Insurance General Conditions to have full acknowledge of the policy.
DEDUCTIBLE: Please find document attached

INS WILL NOT COVER under this policy, losses (consequential or not) or expenses of any kind directly or indirectly produced or provoked by:

I. Fraudulent behavior of the Insured, the cargo owner or his/her agents.
II. Ordinary leaks, natural weight or volume loss and insured goods wear.
III. Inappropriate packaging for the insured object, as long as it is possible for the Insured to monitor the inadequacy.
IV. Inherent or own vice to the nature of the insured object.
V. Spontaneous combustion.
VI. Damages for termites, weevil, moths and other insects or rodents, harmful vegetables, fungi, rust, loss of germination, spontaneous inflammation, evaporation and/or chemical alteration and putrefaction.
VII. Delay, even when the delay is caused by a covered risk.
VIII. Insolvency or financial failure of the Insured or the transporter.
IX. Deliberate destruction of the insured object or any part of it, caused by an illicit act of the Insured, the cargo owner, his/her employees or agents.
X. Negligent behavior of the driver, caused by:
• Drug use or other psychotropic substances
• Reckless driving
• Using non-suitable or authorized public streets, bridges or highways.
• Not having the proper driving license or permission
• Under the effects of alcohol. This exclusion will also be valid if the driver refused to realize blood/breath/urine tests if a competent authority or any INS agent required him/her to do so.
Remember to keep your personal information, emails and phone numbers updated. If your policy is registered under a corporation (S.A. or S.R.L.) remember to keep their taxes updated, to avoid inconvenience in case of a claim.