What each policy covers, explained clearly
Who each one is for and what information we need to give you a quote. Pending: confirm coverage with ALV
Life
Life insurance pays a sum of money to the people you choose if you pass away, so your family can cover expenses, debts or education without being left unprotected.
What it usually covers
- Death from any cause
- Total and permanent disability
- Plans with savings or protection only
- Beneficiaries of your choice
What we need for a quote
- Age and occupation
- Amount you want to insure
- Whether you smoke or have any health condition
Who it is for: People with children, a partner or debts in their name, and anyone who wants to leave a safety net.
Get a quote: lifeHealth
Covers the cost of an illness or accident: hospital, surgery, medicine and tests. We help you choose the deductible and hospital network that fit your budget.
What it usually covers
- Hospital stays and surgeries
- Doctor fees and medical tests
- Medicine during treatment
- Individual or family plans
What we need for a quote
- Ages of the people to be insured
- Preferred hospitals or doctors
- Relevant medical history
Who it is for: Families, people without employer coverage, and anyone who wants to choose where to be treated.
Get a quote: healthAuto
Protects your car and other people. We help you choose between full, limited or liability-only coverage, and we are there when something happens.
What it usually covers
- Damage to others (liability)
- Damage to your car and theft, depending on the plan
- Roadside assistance and towing
- Personal cars and fleets
What we need for a quote
- Make, model and year
- Vehicle use (personal or work)
- Age of the driver
Who it is for: Anyone, person or business, with vehicles.
Get a quote: autoHome
Protects the building and your belongings against fire, theft or water damage, and covers you if you accidentally cause damage to someone else.
What it usually covers
- Fire and natural events
- Theft of contents
- Water damage
- Personal liability
What we need for a quote
- Location and type of home
- Approximate value of the home and its contents
- Whether you own or rent
Who it is for: Homeowners and tenants of houses or apartments.
Get a quote: homeBusiness
We put together a package for your business: premises, inventory, liability to customers and benefits for your team.
What it usually covers
- Damage to premises, equipment and inventory
- Liability to customers and third parties
- Group life and health insurance
- Vehicle fleets
What we need for a quote
- Type of business and location
- Number of employees
- Value of assets and inventory
Who it is for: Businesses of any size, from a single shop to a company with several locations.
Get a quote: businessClaims and renewals
If you already have a policy, with us or not, we help you file a claim and check whether your current policy is still the best option before you renew.
What it usually covers
- Claim handling from start to finish
- Follow-up with the insurer
- Review of your current policy
- Reminder before each renewal
What we need for a quote
- Your policy or policy number
- What happened and when
- Photos or documents, if you have them
Who it is for: Anyone who had an incident or has a renewal coming up.
Get a quote: claims and renewalsWhat people ask us most
Do you charge for advice?
Pending: confirm with ALV how advice is charged.
Which insurers do you work with?
Pending: list of insurers ALV works with.
What do I do if I have a claim?
Message us on WhatsApp with your policy number and what happened. We tell you the steps and follow up with the insurer.
Can I switch if I already have insurance with someone else?
Yes. We review your current policy and tell you whether switching at renewal makes sense.