{"id":1181,"date":"2026-05-07T17:38:28","date_gmt":"2026-05-07T17:38:28","guid":{"rendered":"https:\/\/chubbsegurodeauto.com.mx\/blog\/?p=1181"},"modified":"2026-05-07T17:38:29","modified_gmt":"2026-05-07T17:38:29","slug":"cerocible","status":"publish","type":"post","link":"https:\/\/chubbsegurodeauto.com.mx\/blog\/cerocible\/","title":{"rendered":"Cerocible | \u00bfQu\u00e9 es y c\u00f3mo se aplica en un siniestro?"},"content":{"rendered":"\n<p>\u00bfTe imaginas tener un accidente y no pagar deducible por los da\u00f1os de tu auto? Con Cerocible Chubb esto puede ser posible. Esta cobertura adicional elimina el pago del deducible en ciertos siniestros por da\u00f1os materiales o robo total, ayud\u00e1ndote a ahorrar miles de pesos al momento de una indemnizaci\u00f3n.<\/p>\n\n\n\n<p>En esta gu\u00eda te explicamos qu\u00e9 es Cerocible Chubb, c\u00f3mo funciona, cu\u00e1ndo aplica, cu\u00e1les son sus exclusiones, cu\u00e1nto cuesta y qu\u00e9 coberturas incluye un seguro de auto Chubb en M\u00e9xico.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_75 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\r\n<div class=\"ez-toc-title-container\">\r\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u00cdndice<\/p>\r\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 Content\"><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: #999;color:#999\" 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: #999;color:#999\" 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>\r\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:\/\/chubbsegurodeauto.com.mx\/blog\/cerocible\/#%C2%BFQue_es_el_Cerocible_Chubb\" >\u00bfQu\u00e9 es el Cerocible Chubb?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/cerocible\/#Cero_Deducible_por_Perdida_Parcial_Danos_Materiales_CEROCIBLE\" >Cero Deducible por P\u00e9rdida Parcial Da\u00f1os Materiales (CEROCIBLE)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/cerocible\/#Cero_Deducible_por_Perdida_Total_Danos_Materiales_CEROCIBLE_PERDIDA_TOTAL_DANOS\" >Cero Deducible por P\u00e9rdida Total Da\u00f1os Materiales (CEROCIBLE P\u00c9RDIDA TOTAL DA\u00d1OS)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/cerocible\/#Cero_Deducible_por_Perdida_Total_Robo_Total_CEROCIBLE_PERDIDA_TOTAL_ROBO\" >Cero Deducible por P\u00e9rdida Total Robo Total (CEROCIBLE P\u00c9RDIDA TOTAL ROBO)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/cerocible\/#%C2%BFCuales_son_las_exclusiones_de_la_cobertura_Cerocible\" >\u00bfCu\u00e1les son las exclusiones de la cobertura Cerocible?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/cerocible\/#Exclusiones_particulares_de_la_cobertura_Cero_Deducible_por_Perdida_Parcial\" >Exclusiones particulares de la cobertura Cero Deducible por P\u00e9rdida Parcial<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/cerocible\/#Exclusiones_particulares_de_Cero_Deducible_por_Perdida_Total_por_Danos_Materiales\" >Exclusiones particulares de Cero Deducible por P\u00e9rdida Total por Da\u00f1os Materiales<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/cerocible\/#Exclusiones_particulares_de_Cero_Deducible_Perdida_Total_por_Robo_Total\" >Exclusiones particulares de Cero Deducible P\u00e9rdida Total por Robo Total<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/cerocible\/#%C2%BFQue_coberturas_ofrece_el_seguro_de_auto_Chubb\" >\u00bfQu\u00e9 coberturas ofrece el seguro de auto Chubb?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/cerocible\/#Otras_coberturas_que_puedes_anadir_a_tu_paquete\" >Otras coberturas que puedes a\u00f1adir a tu paquete<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/cerocible\/#%C2%BFCuanto_cuesta_un_seguro_de_auto_con_Chubb\" >\u00bfCu\u00e1nto cuesta un seguro de auto con Chubb?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/cerocible\/#%C2%BFQue_factores_afectan_el_precio_de_una_poliza\" >\u00bfQu\u00e9 factores afectan el precio de una p\u00f3liza?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/cerocible\/#%C2%BFLa_cobertura_de_Cerocible_tiene_costo_extra\" >\u00bfLa cobertura de Cerocible tiene costo extra?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/cerocible\/#Beneficios_de_un_seguro_Chubb\" >Beneficios de un seguro Chubb<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/cerocible\/#Preguntas_frecuentes\" >Preguntas frecuentes:<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/cerocible\/#%C2%BFQue_significa_Cerocible_en_Chubb\" >\u00bfQu\u00e9 significa Cerocible en Chubb?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/cerocible\/#%C2%BFCerocible_aplica_en_cualquier_choque\" >\u00bfCerocible aplica en cualquier choque?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/cerocible\/#%C2%BFPuedo_contratar_Cerocible_en_cualquier_poliza\" >\u00bfPuedo contratar Cerocible en cualquier p\u00f3liza?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_es_el_Cerocible_Chubb\"><\/span><strong>\u00bfQu\u00e9 es el Cerocible Chubb?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>El Cerocible o cero deducible es una cobertura que ofrece la compa\u00f1\u00eda Chubb para autos en la que se elimina el pago de deducible en caso de p\u00e9rdida parcial o total por da\u00f1os materiales o robo. Existen tres maneras de acceder a esta cobertura dependiendo del nivel de da\u00f1os en tu auto.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cero_Deducible_por_Perdida_Parcial_Danos_Materiales_CEROCIBLE\"><\/span><strong>Cero Deducible por P\u00e9rdida Parcial Da\u00f1os Materiales (CEROCIBLE)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Cuando un auto tiene da\u00f1os materiales por un choque o volcadura, normalmente el asegurado debe pagar un deducible para reparar el veh\u00edculo. Sin embargo, algunas p\u00f3lizas de seguro de auto incluyen el beneficio de cero deducible en p\u00e9rdida parcial, lo que significa que la aseguradora puede cubrir la reparaci\u00f3n sin que el conductor pague esa cantidad.<\/p>\n\n\n\n<p>Este beneficio aplica cuando en el accidente particip\u00f3 otro veh\u00edculo identificable y la aseguradora confirma que el auto sufri\u00f3 da\u00f1os parciales, es decir, que no fue declarado p\u00e9rdida total. En estos casos, la compa\u00f1\u00eda elimina el deducible contratado que aparece en la p\u00f3liza. Adem\u00e1s, si no particip\u00f3 un tercero identificable, el cero deducible tambi\u00e9n se puede aplicar siempre que los da\u00f1os del veh\u00edculo sean mayores al 50 % del monto del deducible contratado para da\u00f1os materiales. Para que un tercero sea considerado identificable, deben existir evidencias f\u00edsicas que comprueben su participaci\u00f3n en el choque o volcadura.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cero_Deducible_por_Perdida_Total_Danos_Materiales_CEROCIBLE_PERDIDA_TOTAL_DANOS\"><\/span><strong>Cero Deducible por P\u00e9rdida Total Da\u00f1os Materiales (CEROCIBLE P\u00c9RDIDA TOTAL DA\u00d1OS)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>La cobertura de cero deducible por p\u00e9rdida total permite que, en caso de que el veh\u00edculo asegurado sea declarado como p\u00e9rdida total por da\u00f1os materiales, la aseguradora pague la indemnizaci\u00f3n sin cobrar el deducible contratado en la p\u00f3liza. Esto ayuda a que el asegurado reciba una mayor cantidad de dinero al momento de la indemnizaci\u00f3n.<\/p>\n\n\n\n<p>Sin embargo, es importante considerar que la compa\u00f1\u00eda puede aplicar una depreciaci\u00f3n f\u00edsica al valor del veh\u00edculo cuando as\u00ed lo indiquen las condiciones generales del seguro. Esto significa que el pago final depender\u00e1 del estado, antig\u00fcedad y valuaci\u00f3n del auto al momento del siniestro, aunque el deducible no sea descontado.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cero_Deducible_por_Perdida_Total_Robo_Total_CEROCIBLE_PERDIDA_TOTAL_ROBO\"><\/span><strong>Cero Deducible por P\u00e9rdida Total Robo Total (CEROCIBLE P\u00c9RDIDA TOTAL ROBO)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Si el asegurado cuenta con la cobertura de cero deducible y su auto sufre un robo total, la aseguradora podr\u00e1 pagar la suma asegurada del veh\u00edculo sin cobrar el deducible indicado en la p\u00f3liza. Esto permite que el conductor reciba una indemnizaci\u00f3n m\u00e1s alta en caso de que el veh\u00edculo no sea recuperado.<\/p>\n\n\n\n<p>Aun as\u00ed, la compa\u00f1\u00eda de seguros puede aplicar una depreciaci\u00f3n f\u00edsica al valor del auto cuando as\u00ed lo establezcan las condiciones generales de la p\u00f3liza. Esto quiere decir que el monto final de la indemnizaci\u00f3n puede variar dependiendo de la antig\u00fcedad, estado y valuaci\u00f3n del veh\u00edculo al momento del robo.<\/p>\n\n\n<a class='wp-block-image aligncenter size-large' href=\"https:\/\/chubbsegurodeauto.com.mx\/\" target=\"_blank\" rel=\"noreferrer noopener\">\n  <picture>\n    <!-- Imagen para pantallas peque\u00f1as (m\u00f3vil) -->\n    <source media=\"(max-width: 590px)\"\n            srcset=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/wp-content\/uploads\/2025\/08\/banner-chubb-2-3.png\" \/>\n    <!-- Imagen para pantallas grandes (escritorio) -->\n    <source media=\"(min-width: 591px)\"\n            srcset=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/wp-content\/uploads\/2025\/08\/banner-chubb-2-2.png\" \/>\n    <!-- Fallback para navegadores que no soportan <picture> -->\n    <img src=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/wp-content\/uploads\/2025\/08\/banner-chubb-2-2.png\"\n         alt=\"Banner Chubb Seguros\" loading=\"lazy\" decoding=\"async\" \/>\n  <\/picture>\n<\/a>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCuales_son_las_exclusiones_de_la_cobertura_Cerocible\"><\/span><strong>\u00bfCu\u00e1les son las exclusiones de la cobertura Cerocible?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Existen <a href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/exclusiones-chubb\/\" target=\"_blank\" rel=\"noreferrer noopener\">exclusiones espec\u00edficas<\/a> para cada una de las tres situaciones especificadas anteriormente, con\u00f3celas para que evites caer en alguna de ellas e impedir que la cobertura sea correctamente amparada.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Exclusiones_particulares_de_la_cobertura_Cero_Deducible_por_Perdida_Parcial\"><\/span><strong>Exclusiones particulares de la cobertura Cero Deducible por P\u00e9rdida Parcial<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Existen algunos casos espec\u00edficos en los que el asegurado s\u00ed deber\u00e1 pagar el deducible indicado en su p\u00f3liza, incluso si cuenta con este beneficio. Entre ellos se encuentran los da\u00f1os causados por incendio, explosi\u00f3n, fen\u00f3menos naturales como inundaciones, huracanes o terremotos, as\u00ed como actos vand\u00e1licos, disturbios o da\u00f1os ocasionados durante el traslado del veh\u00edculo.<\/p>\n\n\n\n<p>Tampoco aplica el cero deducible en p\u00e9rdidas totales, da\u00f1os al equipo especial o adaptaciones del auto, fallas por ingreso de agua al motor, da\u00f1os provocados por animales y afectaciones a la bater\u00eda de autos h\u00edbridos o el\u00e9ctricos cuando sean consecuencia de estos riesgos. En estos casos, la aseguradora realizar\u00e1 la indemnizaci\u00f3n conforme a las condiciones contratadas y aplicar\u00e1 el deducible correspondiente establecido en la p\u00f3liza de seguro de auto.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Exclusiones_particulares_de_Cero_Deducible_por_Perdida_Total_por_Danos_Materiales\"><\/span><strong>Exclusiones particulares de Cero Deducible por P\u00e9rdida Total por Da\u00f1os Materiales<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>La cobertura de cero deducible no aplica cuando el siniestro corresponde a la cobertura de robo total, ya sea que el veh\u00edculo presente da\u00f1os parciales o sea declarado p\u00e9rdida total. En estos casos, la indemnizaci\u00f3n se realizar\u00e1 conforme a las condiciones normales de la p\u00f3liza y se podr\u00e1 aplicar el deducible contratado.<\/p>\n\n\n\n<p>Adem\u00e1s, este beneficio tampoco estar\u00e1 disponible si el asegurado no realiza la inspecci\u00f3n del veh\u00edculo cuando este requisito aparezca como obligatorio en la car\u00e1tula dela p\u00f3liza. Por eso, es importante cumplir con el proceso de inspecci\u00f3n solicitado por la aseguradora para mantener vigentes todas las coberturas y beneficios del seguro de auto.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Exclusiones_particulares_de_Cero_Deducible_Perdida_Total_por_Robo_Total\"><\/span><strong>Exclusiones particulares de Cero Deducible P\u00e9rdida Total por Robo Total<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>La cobertura de cero deducible no aplica cuando el veh\u00edculo robado es recuperado y presenta da\u00f1os materiales o desvalijamiento. Esto significa que, aunque el auto aparezca despu\u00e9s del robo, las reparaciones o piezas faltantes no estar\u00e1n cubiertas bajo este beneficio de eliminaci\u00f3n de deducible.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"400\" src=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/wp-content\/uploads\/2026\/05\/Cerocible-1.png\" alt=\"Cerocible\" class=\"wp-image-1183\" srcset=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/wp-content\/uploads\/2026\/05\/Cerocible-1.png 768w, https:\/\/chubbsegurodeauto.com.mx\/blog\/wp-content\/uploads\/2026\/05\/Cerocible-1-300x156.png 300w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_coberturas_ofrece_el_seguro_de_auto_Chubb\"><\/span><strong>\u00bfQu\u00e9 coberturas ofrece el seguro de auto Chubb?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Contamos con cuatro paquetes de seguro de auto disponibles en Chubb. Compara y elige:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong><a href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/cobertura-integral-chubb\/\" target=\"_blank\" rel=\"noreferrer noopener\">Cobertura de seguro Integral<\/a><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><a href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/conoce-la-cobertura-amplia-chubb\/\" target=\"_blank\" rel=\"noreferrer noopener\">Cobertura Chubb Amplia<\/a><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><a href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/cobertura-limitada-chubb-2\/\" target=\"_blank\" rel=\"noreferrer noopener\">Cobertura Limitada Chubb<\/a><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Responsabilidad Civil<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2713\u00a0<br><a href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/chubb-responsabilidad-civil\/\" target=\"_blank\" rel=\"noreferrer noopener\">Responsabilidad Civil (Da\u00f1os a Terceros)<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>\u00a0Responsabilidad Civil (Da\u00f1os a Terceros)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>\u00a0Responsabilidad Civil (Da\u00f1os a Terceros)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>\u00a0Responsabilidad Civil (Da\u00f1os a Terceros)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2713\u00a0<br>Seguro de Responsabilidad Civil Familiar<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713\u00a0<br>Seguro de Responsabilidad Civil Familiar<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>\u00a0Seguro de Responsabilidad Civil Familiar<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>\u00a0Seguro de Responsabilidad Civil Familiar<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>\u00a0Gastos M\u00e9dicos Ocupantes<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>\u00a0Gastos M\u00e9dicos Ocupantes<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>\u00a0Gastos M\u00e9dicos Ocupantes<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>\u00a0Gastos M\u00e9dicos Ocupantes<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2713\u00a0<br>Asistencia legal<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713\u00a0<br>Asistencia legal<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>\u00a0Asistencia legal<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>\u00a0Asistencia legal<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br><a href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/asistencia-vial-en-chubb\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u00a0Asistencia en Viaje<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>\u00a0Asistencia en Viaje<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>\u00a0Asistencia en Viaje<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713\u00a0<br>Asistencia en Viaje<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2713\u00a0<br>Responsabilidad Civil Personas<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>\u00a0Responsabilidad Civil Personas<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>\u00a0Responsabilidad Civil Personas<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>\u00a0Responsabilidad Civil Personas<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2713\u00a0<br>Robo total<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>\u00a0Robo total<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713\u00a0<br>Robo total<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Robo total<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2713\u00a0<br>Gestor\u00eda Vial<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713\u00a0<br>Gestor\u00eda Vial<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713\u00a0<br>Gestor\u00eda Vial<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Gestor\u00eda Vial<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br><a href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/danos-materiales-chubb\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u00a0Cobertura de Da\u00f1os materiales<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>\u00a0Cobertura de Da\u00f1os materiales<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Cobertura de Da\u00f1os materiales<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Cobertura de Da\u00f1os materiales<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2713\u00a0<br>Auto Relevo Plus<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713\u00a0<br>Auto Relevo Plus<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Auto Relevo Plus<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Auto Relevo Plus<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Auto Relevo P\u00e9rdida Total<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Auto Relevo P\u00e9rdida Total<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>Auto Relevo P\u00e9rdida Total<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Auto Relevo P\u00e9rdida Total<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Cl\u00e1usula de Extensi\u00f3n Limitada<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Cl\u00e1usula de Extensi\u00f3n Limitada<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713\u00a0<br>Cl\u00e1usula de Extensi\u00f3n Limitada<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Cl\u00e1usula de Extensi\u00f3n Limitada<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>\u00a0Cl\u00e1usula de aumento porcentual Da\u00f1os<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Cl\u00e1usula de aumento porcentual Da\u00f1os<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Cl\u00e1usula de aumento porcentual Da\u00f1os<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Cl\u00e1usula de aumento porcentual Da\u00f1os<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Otras_coberturas_que_puedes_anadir_a_tu_paquete\"><\/span><strong>Otras coberturas que puedes a\u00f1adir a tu paquete<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Auto relevo plus: <\/strong>Te puede dar un auto por hasta 15 d\u00edas mientras el tuyo se encuentra en el taller para que sigas con tu rutina.\u00a0<\/li>\n\n\n\n<li><strong>Auto protegido: <\/strong>Para obtener atenci\u00f3n m\u00e9dica y ambulancias que aseguran tu salud.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCuanto_cuesta_un_seguro_de_auto_con_Chubb\"><\/span><strong>\u00bfCu\u00e1nto cuesta un seguro de auto con Chubb?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>El precio de un seguro de auto Chubb en M\u00e9xico va de los $4,000 con la cobertura m\u00e1s sencilla de responsabilidad civil y puede llegar hasta los $20,000 contratando la cobertura m\u00e1s completa con coberturas adicionales en tu p\u00f3liza.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_factores_afectan_el_precio_de_una_poliza\"><\/span><strong>\u00bfQu\u00e9 factores afectan el precio de una p\u00f3liza?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Para poder brindarte el precio de un seguro se toman en cuenta los siguientes factores:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Del veh\u00edculo: Marca, modelo, submarca, a\u00f1o y usos.<\/strong><\/li>\n\n\n\n<li><strong>Del due\u00f1o: Edad, g\u00e9nero, ocupaci\u00f3n e historial de manejo.\u00a0<\/strong><\/li>\n\n\n\n<li><strong>Coberturas contratadas.\u00a0<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Si quieres saber el precio exacto de un seguro, cotiza en l\u00ednea y compara con otras aseguradoras.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFLa_cobertura_de_Cerocible_tiene_costo_extra\"><\/span><strong>\u00bfLa cobertura de Cerocible tiene costo extra?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>S\u00ed, para poder acceder a este beneficio necesitas pagar un costo extra con tu p\u00f3liza de seguro de auto. Menciona que quieres esta cobertura al momento de contratar tu p\u00f3liza.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"400\" src=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/wp-content\/uploads\/2026\/05\/Cerocible-2.png\" alt=\"Cerocible\" class=\"wp-image-1184\" srcset=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/wp-content\/uploads\/2026\/05\/Cerocible-2.png 768w, https:\/\/chubbsegurodeauto.com.mx\/blog\/wp-content\/uploads\/2026\/05\/Cerocible-2-300x156.png 300w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Beneficios_de_un_seguro_Chubb\"><\/span><strong>Beneficios de un seguro Chubb<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/siniestros-chubb\/\" target=\"_blank\" rel=\"noreferrer noopener\">Atenci\u00f3n a siniestros<\/a> 24\/7.\u00a0<\/li>\n\n\n\n<li>Coberturas flexibles que se adaptan a tus necesidades.\u00a0<\/li>\n\n\n\n<li>Pago en l\u00ednea con descuento del 15%.<\/li>\n\n\n\n<li>Pago a meses sin intereses con tarjetas participantes.\u00a0<\/li>\n\n\n\n<li>M\u00e1s de 400 ajustadores disponibles por toda la rep\u00fablica mexicana.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Preguntas_frecuentes\"><\/span><strong>Preguntas frecuentes:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_significa_Cerocible_en_Chubb\"><\/span><strong>\u00bfQu\u00e9 significa Cerocible en Chubb?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Es una cobertura adicional que elimina el pago del deducible en ciertos siniestros de da\u00f1os materiales o robo total.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCerocible_aplica_en_cualquier_choque\"><\/span><strong>\u00bfCerocible aplica en cualquier choque?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>No. El accidente debe cumplir con las condiciones especificadas en la p\u00f3liza y las reglas de aplicaci\u00f3n de la cobertura.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFPuedo_contratar_Cerocible_en_cualquier_poliza\"><\/span><strong>\u00bfPuedo contratar Cerocible en cualquier p\u00f3liza?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Generalmente est\u00e1 disponible en coberturas amplias o integrales, aunque depende de la aseguradora y del tipo de veh\u00edculo.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-03627597 wp-block-buttons-is-layout-flex\">\n  \n  <div class=\"wp-block-button is-style-circular\">\n    <a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" \n       href=\"https:\/\/chubbsegurodeauto.com.mx\/\" \n       target=\"_blank\" \n\n       rel=\"noreferrer noopener\">\n       \u00a1<strong>Cotiza ahora<\/strong>!\n    <\/a>\n  <\/div>\n  \n<\/div>\n\n\n<style>\n   .wp-block-button__link {\n   background-color: #01C1D6 !important; \n   color: #ffffff !important;\n  }\n\n  .wp-block-button__link:hover {\n    background-color: #018f9e !important; \/* Nuevo color al pasar el mouse *\/\n    transform: scale(1.05); \/* Peque\u00f1o zoom *\/\n    transition: all 0.3s ease; \/* Animaci\u00f3n suave *\/\n  }\n<\/style>\n\n<script>\n  const tipoform = \"auto\";\n<\/script>","protected":false},"excerpt":{"rendered":"<p>\u00bfTe imaginas tener un accidente y no pagar deducible por los da\u00f1os de tu auto? Con Cerocible Chubb esto puede [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":1182,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[13],"tags":[20],"class_list":["post-1181","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-seguro-de-auto-chubb","tag-seguro-de-auto-chubb"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>Cerocible | \u00bfQu\u00e9 es y c\u00f3mo se aplica en un siniestro? 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