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Saturday, December 19, 2020

TIPS FOR BUYING GOOD INSURANCE ON SALES

The sales are always expected, but even more so when shops have been closed practically all spring due to the COVID-19 crisis. Big discounts, however, can be expensive if we forget to take minimum security measures. Take note of these tips to get these discounts to buy safely.


Buy safely:

Although there is no shopping center that resists sales, this is a day where online commerce continues to be the protagonist. That is why it is essential that you do not forget the security measures you must take to buy online and that we explain in detail in our post on cybersecurity tips :

Use secure Wi-Fi networks: Remember that public networks do not have any type of firewall.

Update your computer's antivirus: It is important to have the latest updated version to avoid attacks.

Avoid buying in unknown stores or with excessive discounts: It never hurts to make some preliminary checks to find out the veracity of the business from which we are going to buy: make a phone call, request information by email, ask for the CIF number


Know your rights:

The reductions must occur only in the price of the product but never in your rights as a consumer. Here are some rights that you should keep in mind these days:

Documentation: The fact that there are discounts that cannot prevent the merchant from providing you with warranty documents, instruction manuals, budget, invoice, and claim sheets.

Personal information: When you make an online purchase, the merchant should only require the necessary data to complete the purchase. Be very careful with those who ask for more data than normal, they may take the opportunity to expand their databases and learn more about your consumption habits. Taking a look at their privacy policy does not hurt.

Product guarantee: Spanish law, for example, provides a two-year guarantee on purchases and this is a principle that cannot be forgotten even if we are on sale. It demands the highest quality in the product and, in case you find that it lacks it, make use of your right to return or replacement as well as technical service in case of breakdown.


Protect your purchases: 

Sometimes, even taking all possible security measures, the purchase ends in trouble, and then it is time to pull insurance to resolve the situation. We remind you of some of the insurances that you can use to get out of the most common mishaps:

Damage to a recently purchased item: If you come home with your new computer and while you are installing the antivirus your coffee cup falls on the keyboard, it will be better than you have taken out insurance. Most of the technology (computers, televisions, cameras, cell phones, etc.) is sold with additional insurance that protects it against breakage, theft, or loss. Don't miss out on the opportunity to protect her because Murphy's Law can make you regret it sooner than you expect. In the event that an incident occurs at home, do not forget that your home insurance also has coverage for small appliances and can help you solve these types of situations.

Attack on your computer system: If during one of your purchases a virus ends up infecting your computer, affecting or not affecting your personal data, cyber risk insurance can repair the damage suffered and compensate you for the losses that this situation has caused you.

Theft of your bank details: If you are one of those who pull a card for purchases, remember that you must also protect it because it can be cloned or stolen. For this reason, the cards themselves have insurance with various coverage's that range from assuming the expenses derived from the theft to advancing money in case of theft.

By following these tips to buy on sale, you guarantee a safer purchase, now you just need to catch the bargain.

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