Auto. Life. Travel. Put in order.
Kayabasi Motors provides Auto, Life and Travel insurance for people who value clear terms, deliberate decisions and well-organized coverage. Six years of practice. One standard of attention.
Drivers
Journeys
In order
Important things deserve to be put in order before they are needed.
Clear termsDeliberate decisions
Organized coverage
Three types of coverage.
Three different jobs.
Auto, Life and Travel insurance each relate to a different part of life. Select one to see what it is for.
Fig. 02.1 / Auto
Vehicles. Drivers. Responsibility on the road.
Auto insurance relates to vehicles, the people who drive them and the financial responsibility that can come with driving. A policy can contain different types of protection, and each can be set at different levels.
Fig. 02.2 / Life
Longer-term responsibility, arranged in advance.
Life insurance concerns financial arrangements connected with a person's death. People often consider it in relation to dependents, financial commitments such as a home loan, and longer-term responsibilities. Policies differ in type, amount and duration.
Fig. 02.3 / Travel
Specified risks, connected with a trip.
Travel insurance addresses specified risks connected with a trip. Which risks are included is set out in the policy. The details of the trip matter too: destination, dates, travelers and planned activities.
Introductory overview. What an individual policy includes is set out in its terms.
What are you agreeing to pay first?
Deductible
An amount a policyholder may be responsible for before applicable insurance coverage contributes. How it applies depends on the policy and the situation.
The premium is the regular price of the policy. The deductible is part of what you may pay when something happens. Two policies with similar premiums can ask very different amounts of you first.
Read the deductible alongside what is covered and what it costs. Not the premium alone.
Lower
Higher
Often higher
Often lower
Is the regular cost comfortable over the full policy period?
Could you pay the higher amount first if you needed to?
Illustration only. Units are not prices, and the figures do not describe any actual policy, premium or claim outcome. How a deductible applies depends on the policy terms.
Life moves.
Does your coverage keep up?
Insurance arrangements work best when they stay connected to real circumstances. When something changes, the details deserve another look. Keep important details current.
New vehicle
Vehicle details, how it will be used, and whether current arrangements still reflect the car you actually drive.
New driver in the household
Who drives which vehicle, and how drivers are listed where the policy asks for this information.
Marriage or a growing family
Named beneficiaries, the amount of Life coverage in place, and who now relies on your income.
Change of address
The address on record, and any details linked to where a vehicle is kept.
Different driving habits
How often and how far you drive, and whether the vehicle's use has changed, for example to daily commuting.
Major upcoming trip
Destination, dates, travelers and planned activities, read against the terms of the Travel policy being considered.
New long-term commitments
Changes in longer-term financial responsibilities, such as a home loan, and whether existing Life coverage amounts and details still match them.
A change does not automatically mean a policy must change. It is a reason to review the information on record, limits, beneficiaries, policy details or available options, as applicable.
The number on the price
isn't the whole comparison.
Looking at insurance means reading several details together. Select a line to inspect it.
Compare like with like.
Read beyond the headline price.
A lower price can reflect lower limits, a higher deductible or fewer included features. A higher price can reflect the opposite. Neither is automatically better. A fair comparison places the same details side by side.
Fig. 06.1 / Vehicle
Fig. 06.2 / Documents
Fig. 06.3 / Departure
Fig. 06.4 / Movement
Before you choose,
have these details ready.
The information needed depends on the type of insurance and the application. These are examples of details worth having available when you explore options. It is not a complete list.
Know which type of insurance you are looking at.
Gather the details it relates to.
Read options on the same terms.
Choose what fits your circumstances.
Know what is in place.
Kayabasi Motors provides Auto, Life and Travel insurance. Explore the policy categories and read their details. Then decide what fits your circumstances.
Kayabasi Motors
Auto / Life / Travel
Important things deserve to be put in order before they are needed.
Contact
Phone(866) 355-1909
Email[email protected]