{"id":883,"date":"2025-12-24T16:26:35","date_gmt":"2025-12-24T16:26:35","guid":{"rendered":"https:\/\/chubbsegurodeauto.com.mx\/blog\/?p=883"},"modified":"2025-12-24T16:26:36","modified_gmt":"2025-12-24T16:26:36","slug":"valor-chubb","status":"publish","type":"post","link":"https:\/\/chubbsegurodeauto.com.mx\/blog\/valor-chubb\/","title":{"rendered":"Diferencias entre valor convenido y valor comercial Chubb"},"content":{"rendered":"\n<p>Conoce las diferencias entre valor convenido y valor comercial. De esta manera, podr\u00e1s decidir la mejor opci\u00f3n para tu auto, ya que con este valor se determinan los costos de la prima del seguro y la suma asegurada en tu p\u00f3liza.<\/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\/valor-chubb\/#Valor_convenido\" >Valor convenido<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/valor-chubb\/#Valor_comercial\" >Valor comercial<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/valor-chubb\/#%C2%BFPara_que_funciona_este_tipo_de_valor\" >\u00bfPara qu\u00e9 funciona este tipo de valor?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/valor-chubb\/#Ejemplo_practico\" >Ejemplo pr\u00e1ctico<\/a><\/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\/valor-chubb\/#%C2%BFQue_opcion_conviene_mas\" >\u00bfQu\u00e9 opci\u00f3n conviene m\u00e1s?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/valor-chubb\/#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-7\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/valor-chubb\/#%C2%BFEl_valor_convenido_es_mas_caro_que_el_valor_comercial\" >\u00bfEl valor convenido es m\u00e1s caro que el valor comercial?<\/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\/valor-chubb\/#%C2%BFPuedo_cambiar_de_valor_comercial_a_valor_convenido\" >\u00bfPuedo cambiar de valor comercial a valor convenido?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/valor-chubb\/#%C2%BFQue_valor_conviene_para_un_auto_nuevo\" >\u00bfQu\u00e9 valor conviene para un auto nuevo?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Valor_convenido\"><\/span><strong>Valor convenido<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>El valor convenido es el monto que se asigna al auto por acuerdo entre el asegurado y la aseguradora. Es una cantidad fija que no se modifica por la depreciaci\u00f3n del veh\u00edculo. Este tipo de valor se recomienda para autos nuevos con menos de 1 a\u00f1o de uso, as\u00ed como para autos especiales o de lujo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Valor_comercial\"><\/span><strong>Valor comercial<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Este tipo de valor se brinda a autos con m\u00e1s de 1 a\u00f1o de uso. Generalmente, considera el modelo del coche y la devaluaci\u00f3n del mismo. Es decir, si tu auto en un inicio tuvo un costo de $400,000 pesos, con el paso del tiempo su valor comercial podr\u00eda disminuir a $320,000 pesos.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFPara_que_funciona_este_tipo_de_valor\"><\/span><strong>\u00bfPara qu\u00e9 funciona este tipo de valor?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Debes saber que estos valores son importantes para determinar la suma asegurada en tu p\u00f3liza. La suma asegurada es el monto m\u00e1ximo que se ampara en el contrato por cada siniestro. Por lo general, se aplica en coberturas como robo total, da\u00f1os materiales y responsabilidad civil.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ejemplo_practico\"><\/span><strong>Ejemplo pr\u00e1ctico<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Supongamos que aseguras un Toyota Corolla 2023 con Chubb.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Suma asegurada a valor convenido:<\/strong> Al contratar la p\u00f3liza, el cliente y Chubb acuerdan una suma asegurada fija de $380,000 MXN. En caso de robo total o p\u00e9rdida total por accidente, Chubb indemnizar\u00e1 exactamente esa cantidad, sin considerar depreciaci\u00f3n ni variaciones del mercado.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Suma asegurada a valor comercial:<\/strong> La indemnizaci\u00f3n se calcula con base en el valor del veh\u00edculo al momento del siniestro, tomando como referencia gu\u00edas especializadas del mercado automotriz. Si al momento del robo el valor comercial del veh\u00edculo es de $350,000 MXN, ese ser\u00e1 el monto m\u00e1ximo que Chubb pagar\u00e1.<\/li>\n<\/ul>\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%BFQue_opcion_conviene_mas\"><\/span><strong>\u00bfQu\u00e9 opci\u00f3n conviene m\u00e1s?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>El valor convenido es ideal para quienes buscan certeza en la indemnizaci\u00f3n, especialmente en autos nuevos o de alto valor.<\/p>\n\n\n\n<p>Por otro lado, el valor comercial suele ofrecer una prima m\u00e1s accesible, ya que considera la depreciaci\u00f3n natural del veh\u00edculo con el paso del tiempo.<\/p>\n\n\n\n<p>Elegir correctamente la suma asegurada en tu seguro de auto Chubb te permitir\u00e1 proteger tu inversi\u00f3n y evitar sorpresas al momento de un siniestro.<\/p>\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%BFEl_valor_convenido_es_mas_caro_que_el_valor_comercial\"><\/span><strong>\u00bfEl valor convenido es m\u00e1s caro que el valor comercial?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>S\u00ed, generalmente implica una prima m\u00e1s alta, ya que garantiza una indemnizaci\u00f3n fija sin depreciaci\u00f3n del auto.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFPuedo_cambiar_de_valor_comercial_a_valor_convenido\"><\/span><strong>\u00bfPuedo cambiar de valor comercial a valor convenido?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>S\u00ed, normalmente se puede hacer al renovar la p\u00f3liza, sujeto a condiciones del veh\u00edculo y de la aseguradora.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_valor_conviene_para_un_auto_nuevo\"><\/span><strong>\u00bfQu\u00e9 valor conviene para un auto nuevo?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>El valor convenido es la opci\u00f3n m\u00e1s recomendada para autos nuevos.<\/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>Conoce las diferencias entre valor convenido y valor comercial. De esta manera, podr\u00e1s decidir la mejor opci\u00f3n para tu auto, [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":884,"comment_status":"closed","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 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[12],"tags":[20],"class_list":["post-883","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-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>Valor convenido y valor comercial Chubb | Diferencias y ejemplos<\/title>\r\n<meta name=\"description\" content=\"Conoce las diferencias entre valor convenido y valor comercial en Chubb, c\u00f3mo influyen en la suma asegurada y cu\u00e1l te conviene seg\u00fan tu auto.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" 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