{"id":309,"date":"2017-01-30T18:34:50","date_gmt":"2017-01-30T18:34:50","guid":{"rendered":"https:\/\/lawebdeseguros.com\/archivos\/309"},"modified":"2025-11-16T21:22:47","modified_gmt":"2025-11-16T19:22:47","slug":"5-common-mistakes-when-taking-out-insurance","status":"publish","type":"post","link":"https:\/\/lawebdeseguros.com\/en\/5-common-mistakes-when-taking-out-insurance\/","title":{"rendered":"5 common insurance mistakes (and how to avoid them)"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Contents\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #0a225d;color:#0a225d\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #0a225d;color:#0a225d\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/lawebdeseguros.com\/en\/5-common-mistakes-when-taking-out-insurance\/#5_errores_comunes_al_contratar_seguros_y_como_evitarlos\" >5 common insurance mistakes (and how to avoid them)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/lawebdeseguros.com\/en\/5-common-mistakes-when-taking-out-insurance\/#1_Contratar_por_precio_y_no_por_cobertura\" >1. Contract for price and not for coverage.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lawebdeseguros.com\/en\/5-common-mistakes-when-taking-out-insurance\/#2_No_leer_o_no_entender_las_condiciones_de_la_poliza\" >2. Failure to read (or understand) the policy conditions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/lawebdeseguros.com\/en\/5-common-mistakes-when-taking-out-insurance\/#3_No_declarar_correctamente_la_informacion\" >3. Failure to correctly declare information<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/lawebdeseguros.com\/en\/5-common-mistakes-when-taking-out-insurance\/#4_Pensar_que_todos_los_seguros_son_iguales\" >4. Thinking that all insurance is the same<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lawebdeseguros.com\/en\/5-common-mistakes-when-taking-out-insurance\/#5_No_revisar_las_renovaciones_automaticas\" >5. Do not check automatic renewals<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/lawebdeseguros.com\/en\/5-common-mistakes-when-taking-out-insurance\/#Consejos_practicos_antes_de_contratar_un_seguro_por_primera_vez\" >Practical advice before taking out insurance for the first time<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/lawebdeseguros.com\/en\/5-common-mistakes-when-taking-out-insurance\/#Como_evitar_clausulas_abusivas_en_seguros\" >How to avoid unfair insurance terms<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/lawebdeseguros.com\/en\/5-common-mistakes-when-taking-out-insurance\/#Conclusion_prevenir_es_mejor_que_reclamar\" >Conclusion: prevention is better than complaining<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"5_errores_comunes_al_contratar_seguros_y_como_evitarlos\"><\/span>5 common insurance mistakes (and how to avoid them)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Imagine you are faced with a difficult situation: an accident, a serious breakdown at home or a medical emergency. You trust that your insurance will cover you... but you discover that it doesn't do so as you expected.<br \/>\nWhy does this happen? The answer often lies in small mistakes that are made when taking out insurance. And the worst thing is that many of them can be avoided with a little information.<\/p>\n<p>In this article we tell you <strong>the 5 most common mistakes when taking out insurance and how to avoid them<\/strong>so you don't have any unpleasant surprises when you need to be covered the most.<\/p>\n<section class=\"vc_cta3-container animacion-vc ai-play-skip\">\n    <div class=\"ai-play-skip cta_general vc_general vc_do_cta3 vc_cta3 CAT-VC vc_cta3-style-classic vc_cta3-shape-rounded vc_cta3-align-left vc_cta3-color-white vc_cta3-icon-size-xl vc_cta3-icons-left vc_cta3-actions-right wpb_animate_when_almost_visible wpb_fadeInDown fadeInDown vc_custom_canallas wpb_start_animation animated\">\n        <div class=\"vc_cta3-icons\">\n            <div class=\"vc_icon_element vc_icon_element-outer vc_do_icon vc_icon_element-align-left\">\n                <div class=\"vc_icon_element-inner vc_icon_element-color-white vc_icon_element-size-xl vc_icon_element-style- vc_icon_element-background-color-grey\" style=\"margin-right:10px;\">\n                    <!-- span class=\"fas fa-shield-alt icono-seguro\"><\/span -->\n                    <img decoding=\"async\" src=\"http:\/\/lawebdeseguros.com\/img\/logo_solo.svg\" alt=\"Logo\" style=\"width: 70px;\">\n                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"vc_cta3_content-container\">\n            <div class=\"vc_cta3-content\">\n                <header class=\"vc_cta3-content-header\">\n                    <p class=\"cta-heading h2\">5 common insurance mistakes (and how to avoid them)<\/p>\n                <\/header>\n                <p class=\"cta_general cta-heading h3\">Identify the most common failures and make decisions with the peace of mind of being well advised.<\/p>\n            <\/div>\n            <div class=\"vc_cta3-actions\">\n                <div class=\"vc_btn3-container vc_btn3-inline\">\n                    <a class=\"cta_general vc_general vc_btn3 vc_btn3-size-md vc_btn3-shape-rounded vc_btn3-style-flat vc_btn3-color-green\" href=\"https:\/\/api.whatsapp.com\/send?phone=34659929495&#038;text=5+errores+comunes+al+contratar+seguros+%28y+c%C3%B3mo+evitarlos%29\" target=\"_blank\" id=\"ga_whatsapp\" rel=\"noopener\">\n                        <i class=\"fab fa-whatsapp\"><\/i> Request for information                    <\/a>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n<h2><span class=\"ez-toc-section\" id=\"1_Contratar_por_precio_y_no_por_cobertura\"><\/span>1. Contract for price and not for coverage.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>It is tempting to choose the cheapest insurance, especially when the differences between the two are not well understood. But this decision can be costly.<\/p>\n<p>Often, the cheapest policies have <strong>limited cover or hidden deductibles<\/strong> that are only discovered when you need to use the insurance. At that point, you realise that cheap has become expensive.<\/p>\n<p><strong>How can this be avoided?<\/strong><br \/>\nCompare coverage, not just prices. Ask what each insurance policy includes and what situations it does not cover. If you have doubts, <a href=\"\/en\/contact\/\">get in touch with us<\/a> and we help you to understand it all.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"2_No_leer_o_no_entender_las_condiciones_de_la_poliza\"><\/span>2. Failure to read (or understand) the policy conditions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Another of the <strong>most common mistakes when taking out insurance<\/strong> is not reading the conditions of the contract, or worse, assuming that all policies are the same. The fine print hides clauses that can seriously affect your coverage.<\/p>\n<p>For example, there are <a class=\"wpil_keyword_link\" title=\"household insurance\" href=\"https:\/\/lawebdeseguros.com\/en\/general-insurance\/home-and-home-insurance\/\" data-wpil-keyword-link=\"linked\">household insurance<\/a> that do not cover water damage if the installation is older than a certain age, or health insurance that imposes waiting periods.<\/p>\n<p><strong>How can this be avoided?<\/strong><br \/>\nRead the contract and ask for it to be explained in clear language. If you don't understand something, ask. Better a doubt now than a surprise later.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"3_No_declarar_correctamente_la_informacion\"><\/span>3. Failure to correctly declare information<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When you take out insurance, you must provide true and complete information. If you omit information (even if it is not malicious), the insurer could <strong>refuse cover or cancel the policy<\/strong>.<\/p>\n<p>This error is common in <a class=\"wpil_keyword_link\" title=\"health insurance\" href=\"https:\/\/lawebdeseguros.com\/en\/personal-insurance\/seguros-de-salud\/\" data-wpil-keyword-link=\"linked\">health insurance<\/a>life or vehicle insurance. Misreporting your medical history, the actual use of a car or the characteristics of a home can have serious consequences.<\/p>\n<p><strong>How can this be avoided?<\/strong><br \/>\nBe clear and honest from the outset. Good advice will help you understand what information is important to declare.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"4_Pensar_que_todos_los_seguros_son_iguales\"><\/span>4. Thinking that all insurance is the same<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Many people think that car insurance is the same with any company, or that all health insurance works the same way. This belief leads to making a choice without making a thorough comparison and without assessing whether it really suits your needs.<\/p>\n<p>Each policy has its own particularities: exclusions, conditions, response times, quality of care...<\/p>\n<p><strong>How can this be avoided?<\/strong><br \/>\nConsult with experts. Don't rely solely on advertising or recommendations from friends. What works for you may not work for you. <a href=\"\/en\/contact\/\">We can help you<\/a> to analyse your case and find the most suitable option.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"5_No_revisar_las_renovaciones_automaticas\"><\/span>5. Do not check automatic renewals<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Many insurances are automatically renewed every year, but that doesn't mean you should just let it go. Conditions may change: prices may go up, coverage may change or better options may appear.<\/p>\n<p>Being stuck with an obsolete policy is another of the <strong>common mistakes when taking out insurance<\/strong>especially when your personal situation has also changed.<\/p>\n<p><strong>How can this be avoided?<\/strong><br \/>\nReview your insurance before each renewal. Ask if there are any changes or improvements available. This way you can make informed decisions and save money without losing protection.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Consejos_practicos_antes_de_contratar_un_seguro_por_primera_vez\"><\/span>Practical advice before taking out insurance for the first time<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If this is your first time taking out insurance, the best thing to do is to be well informed and surround yourself with professional advice. Here are some key tips:<\/p>\n<ul>\n<li>Don't be afraid to ask questions, even if they seem basic.<\/li>\n<li>Ask for real examples: What happens if this happens, how does the insurance respond?<\/li>\n<li>Make sure you have a good understanding of what is included and what is not.<\/li>\n<li>Check that the insurer is registered and has good reviews.<\/li>\n<li>If there is something you don't understand, don't sign until it is clear.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Como_evitar_clausulas_abusivas_en_seguros\"><\/span>How to avoid unfair insurance terms<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Unfair terms are not always clear at first glance. Some may limit your right to compensation or impose disproportionate conditions.<\/p>\n<p>For example:<\/p>\n<ul>\n<li>Impose penalties for using insurance more than a certain number of times.<\/li>\n<li>Setting excessively high franchises.<\/li>\n<li>Exclude risks that should be covered as a matter of common sense.<\/li>\n<\/ul>\n<p><strong>What can you do?<\/strong><\/p>\n<ul>\n<li>Always read the general and specific conditions of the contract.<\/li>\n<li>Compare several insurances, even between different companies.<\/li>\n<li>Seek the support of a brokerage firm that will defend your interests.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion_prevenir_es_mejor_que_reclamar\"><\/span>Conclusion: prevention is better than complaining<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Taking out insurance should not be an impulsive decision. Nor should it be an impossible maze to understand.<br \/>\nWith the right information, you can avoid the most common insurance mistakes and make sure that when the time comes, you are really protected.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"vc_message_box vc_message_box-standard vc_message_box-rounded vc_color-warning\" ><div class=\"vc_message_box-icon\"><i class=\"fas fa-question-circle\"><\/i><\/div><p><strong>How can this be avoided? <\/strong>Compare coverage, not just prices. Ask what each insurance policy includes and what situations it does not cover. If you have doubts, <a href=\"https:\/\/lawebdeseguros.com\/en\/contact\/\"> and we help you to understand it all.<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Avoid 5 common mistakes when taking out insurance: insufficient cover, small print, misleading prices and poor choice of company. Discover practical tips on how to take out insurance safely.<\/p>","protected":false},"author":2,"featured_media":3631,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_joinchat":[],"footnotes":""},"categories":[1],"tags":[],"class_list":["post-309","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-1","description-off"],"_links":{"self":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/posts\/309","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/comments?post=309"}],"version-history":[{"count":0,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/posts\/309\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media\/3631"}],"wp:attachment":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media?parent=309"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/categories?post=309"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/tags?post=309"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}