RMACHADO GROUPINSURANCE INTERMEDIARYRMACHADO GROUP · THE MAGAZINE
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465 articles
The office at 6 pm
Using a bicycle for deliveries changes the insurance question. Check declared use, assistance and worker protection before relying on an existing policy.
Read articleInsurance made simple
Separate invested money from gain when reading an insurance surrender calculation. Check the applicable tax treatment and why duration alone is insufficient.
Read articleRenew
Dangerous-animal status can arise from behaviour rather than breed alone. Understand DGAV's framework and the insurance information to check.
Read articleConversations at home
Kinship and tax-household status do not confirm insurance inclusion. Check insured-person definitions, residence and family-liability conditions.
Read articleThe office at 6 pm
Separate table-based permanent disability, temporary incapacity and any usual-occupation benefit. Identify the terms to compare in a proposal.
Read articleLife doesn’t warn you
Booking terms are not an insured cancellation reason. Separate the cause, recoverable amounts and the limits of your travel policy.
Read articleThe condominium group
A stain does not identify the cause or benefit. Separate condensation, infiltration and pipework using a policy example and an evidence checklist.
Read articleLife doesn’t warn you
Separate the injured party's Article 42 right from optional assistance and own-damage cover. Check responsibility, immobilisation and duration.
Read articleInsurance made simple
A new calendar year does not automatically end a waiting period. Map dates by insured person and cover, including when changing health insurance.
Read articleLife in the policy
Separate insured capital, mortgage debt and beneficiaries of any remainder. Use a worked example to prepare questions about mortgage life insurance.
Read articleLife in the policy
A reference to third-party damage does not explain every rented or entrusted item. Prepare specific checks for student accommodation insurance.
Read articleInsurance made simple
Check a hunter’s personal protection separately from liability insurance. Identify the benefits and documents without assuming treatment will be reimbursed.
Read articleThe condominium group
Equipment stops working after an electrical problem. Separate fire, electrical risks and internal breakdown before organising the claim.
Read articleThe office at 6 pm
Payment to a beneficiary does not resolve every policyholder obligation. Understand the reimbursement provision and organise recourse clauses.
Read articleLife doesn’t warn you
Separate breakdown, wear, damage from an event and boat assistance. Prepare a technical account and check the policy’s exclusions.
Read articleConversations at home
An informal group ride can also fall within policy restrictions. Separate property damage, injuries and liability before comparing bicycle insurance.
Read articleRenew
Separate entry, ongoing and exit costs in insurance investments. See a compounding example with clear assumptions and no return promises.
Read articleLife doesn’t warn you
Machinery casco retains exclusions despite an all-risks description. Compare theft terms, equipment identification and storage arrangements at the worksite.
Read articleThe office at 6 pm
Check territory, location and financing before moving leased equipment abroad. Separate the lessor's permission from insurer acceptance of an amendment.
Read articleLife in the policy
Packing and stowage affect cargo-insurance assessment. Organise responsibilities, preparation and evidence without inferring cover from a box's exterior.
Read articleInsurance made simple
Multifactor authentication on one service does not describe every company access route. Prepare verifiable answers and separate active measures from plans.
Read articleRenew
Closing a practice and ending a policy are different dates. Review professional-liability timing, contacts and records before the activity ceases.
Read articleLife doesn’t warn you
Third-party loss and environmental restoration require separate questions. Prepare a spill-risk review without assuming a policy proves legal compliance.
Read articleConversations at home
Employment insurance alone does not settle self-employed work. Organise both roles and occurrence facts without choosing a policy for convenience.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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