THE ESSENTIALS
Before you start
- Compare the same period and circumstances.
- Relate price to the actual scope.
- Separate confirmed differences from unanswered questions.
Put the period beside the price
Record the period each price concerns and the payment arrangement. The Allianz Auto conditions consulted allow an annual premium to be split by agreement. This is a contractual example: an instalment should not be directly compared with an annual price.
State any assumptions used in a calculation. Multiplying a payment by twelve is useful only where the number of instalments and other applicable charges are confirmed. Leave the item unresolved if those facts are missing.
Sources: Allianz Auto — condições, cláusula 11, exemplo de fracionamento ↗
Give each column a purpose
Fictional example: Inês enters two annual prices. Rui adds that one proposal has a different excess and the other describes a different limit. Price is no longer the only visible difference.
Create columns for cover, sum insured or limit, excess, period and question. Copy names carefully. Similar cover names should not be treated as equivalent without an explanation supported by the documents.
Compare after clarifying
Ask for answers about differences relevant to your circumstances. A blank column does not mean no limit or exclusion applies: the information may simply not have been located. Identify each document’s date and version.
Keep the comparison and confirmed answers for the next review. This exercise is not a product recommendation or a promise of savings. To prepare an updated request, visit rmachado.group and select the insurance you want considered. Do not publish personal documents to seek opinions in a group.
KEEP THESE QUESTIONS
Your checklist for the next conversation
- Check period and payment.
- Identify scope and costs.
- Clarify differences.
- Keep the compared version.
FROM THE ARTICLE TO YOUR SITUATION
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Sources and transparency
Content updated on .
Consultation dates are stated in individual references when available.
Numerical examples are fictional and explain concepts. Editorial interpretations are identified in the text.
Information from RMACHADO GROUP. This is not an insurance offer or individual advice. Covers, acceptance, exclusions, sums insured and costs depend on the policy. The intermediary does not underwrite the risks.