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Home > Blog > ¿Qué es el Seguro Broadform y el Seguro de Autos No Propios?
FRIDAY, MAY 9, 2025

¿Qué es el Seguro Broadform y el Seguro de Autos No Propios?

Cuando se trata de seguros de auto, existen opciones menos conocidas pero muy útiles, como el seguro Broadform y el seguro de autos no propios. Ambos pueden ser ideales para personas con necesidades específicas de cobertura.

Seguro Broadform:
Este tipo de póliza ofrece cobertura de responsabilidad civil personal al conductor, sin importar el vehículo que esté manejando (siempre que tenga permiso para conducirlo). Es una opción popular para personas que no poseen un auto, pero que manejan con frecuencia vehículos prestados o alquilados. No cubre daños al vehículo ni lesiones personales, solo cubre a terceros en caso de accidente.

Seguro de Autos No Propios:
Esta cobertura está diseñada para personas que conducen vehículos que no les pertenecen, como empleados que usan autos de la empresa. Proporciona responsabilidad civil en caso de un accidente, pero no cubre daños al vehículo que se está utilizando. Es ideal para negocios que quieren protegerse cuando sus empleados manejan autos que no son propiedad de la empresa.

¿Cuál te conviene?
Si no tienes auto propio pero necesitas estar asegurado como conductor, el Broadform puede ser adecuado. En cambio, si tienes un negocio y tus empleados conducen autos ajenos, el seguro de autos no propios puede darte tranquilidad.

Posted 5:06 PM

Tags: seguro broadform, seguro de autos no propios, seguros de autos, responsabilidad civil, seguros para conductores sin auto, seguros comerciales, cobertura de responsabilidad, seguros en español, seguros para empresas, tipos de seguros de auto, pólizas de seguro alternativas
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