{"id":1381,"date":"2026-04-29T22:32:49","date_gmt":"2026-04-29T22:32:49","guid":{"rendered":"https:\/\/axasegurodeauto.com.mx\/blog\/?p=1381"},"modified":"2026-07-15T17:24:27","modified_gmt":"2026-07-15T17:24:27","slug":"cobertura-basica-estandarizada","status":"publish","type":"post","link":"https:\/\/axasegurodeauto.com.mx\/blog\/cobertura-basica-estandarizada\/","title":{"rendered":"Cobertura B\u00e1sica Estandarizada de AXA Seguros"},"content":{"rendered":"\n<p>Si est\u00e1s buscando un seguro de auto accesible que cumpla con lo m\u00ednimo necesario para circular en M\u00e9xico, la <strong>Cobertura B\u00e1sica Estandarizada de AXA<\/strong> es la opci\u00f3n ideal.<\/p>\n\n\n\n<p>Este tipo de seguro est\u00e1 dise\u00f1ado para ofrecer protecci\u00f3n esencial, especialmente en situaciones donde puedes afectar a terceros. Pero, \u00bfrealmente es suficiente?<\/p>\n\n\n\n<p>Aqu\u00ed te explicamos todo lo que incluye, sus beneficios y en qu\u00e9 casos te conviene contratarla con AXA Seguros M\u00e9xico.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_74 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:\/\/axasegurodeauto.com.mx\/blog\/cobertura-basica-estandarizada\/#%C2%BFQue_es_la_Cobertura_Basica_Estandarizada_de_AXA\" >\u00bfQu\u00e9 es la Cobertura B\u00e1sica Estandarizada de AXA?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/cobertura-basica-estandarizada\/#%C2%BFQue_incluye_la_Cobertura_Basica_de_AXA\" >\u00bfQu\u00e9 incluye la Cobertura B\u00e1sica de AXA?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/cobertura-basica-estandarizada\/#%C2%BFCuanto_cuesta_la_Cobertura_Basica_de_AXA\" >\u00bfCu\u00e1nto cuesta la Cobertura B\u00e1sica de AXA?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/cobertura-basica-estandarizada\/#Ventajas_de_contratar_con_AXA\" >Ventajas de contratar con AXA<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/cobertura-basica-estandarizada\/#%C2%BFQue_no_incluye_la_Cobertura_Basica_de_AXA\" >\u00bfQu\u00e9 no incluye la Cobertura B\u00e1sica de AXA?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/cobertura-basica-estandarizada\/#%C2%BFCuando_te_conviene_contratar_la_cobertura_basica_de_AXA\" >\u00bfCu\u00e1ndo te conviene contratar la cobertura b\u00e1sica de AXA?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/cobertura-basica-estandarizada\/#%C2%BFCuando_no_es_suficiente\" >\u00bfCu\u00e1ndo no es suficiente?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/cobertura-basica-estandarizada\/#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-9\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/cobertura-basica-estandarizada\/#%C2%BFLa_cobertura_basica_de_AXA_es_obligatoria\" >\u00bfLa cobertura b\u00e1sica de AXA es obligatoria?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/cobertura-basica-estandarizada\/#%C2%BFAXA_cubre_mis_danos_si_tengo_la_culpa\" >\u00bfAXA cubre mis da\u00f1os si tengo la culpa?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/cobertura-basica-estandarizada\/#%C2%BFPuedo_mejorar_mi_seguro_despues\" >\u00bfPuedo mejorar mi seguro despu\u00e9s?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/cobertura-basica-estandarizada\/#%C2%BFIncluye_robo_del_vehiculo\" >\u00bfIncluye robo del veh\u00edculo?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/cobertura-basica-estandarizada\/#%C2%BFAXA_responde_rapido_en_accidentes\" >\u00bfAXA responde r\u00e1pido en accidentes?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_es_la_Cobertura_Basica_Estandarizada_de_AXA\"><\/span><strong>\u00bfQu\u00e9 es la Cobertura B\u00e1sica Estandarizada de AXA?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>La <strong>Cobertura B\u00e1sica Estandarizada de AXA<\/strong> es el plan m\u00e1s sencillo del seguro de auto. Est\u00e1 alineado con las disposiciones regulatorias en M\u00e9xico y tiene como objetivo proteger a terceros en caso de accidente, cumplir con la obligaci\u00f3n legal de Responsabilidad Civil y ofrecer asistencia b\u00e1sica al conductor.<\/p>\n\n\n\n<p>Es la opci\u00f3n ideal si buscas un seguro funcional, econ\u00f3mico y f\u00e1cil de contratar.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_incluye_la_Cobertura_Basica_de_AXA\"><\/span><strong>\u00bfQu\u00e9 incluye la Cobertura B\u00e1sica de AXA?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>AXA integra servicios que te respaldan ante cualquier imprevisto:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Responsabilidad Civil por da\u00f1os a terceros. <\/strong>Cubre los da\u00f1os que puedas causar a otras personas en bienes materiales (autos, viviendas, mobiliario) y lesiones o fallecimiento.<\/li>\n\n\n\n<li><strong>Gastos m\u00e9dicos a ocupantes. <\/strong>En AXA protegemos a qui\u00e9nes viajan contigo. Incluye atenci\u00f3n hospitalaria, medicamentos y honorarios m\u00e9dicos.<\/li>\n\n\n\n<li><strong>Defensa legal. <\/strong>Te brinda respaldo real por asesor\u00eda jur\u00eddica especializada, pago de abogados y gesti\u00f3n de fianzas.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/axasegurodeauto.com.mx\/blog\/axa-asistencia-vial\/\" target=\"_blank\" rel=\"noreferrer noopener\">Asistencia vial AXA<\/a>.<\/strong> Env\u00edo de gr\u00faa, paso de corriente, cambio de llanta y apoyo en emergencias.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCuanto_cuesta_la_Cobertura_Basica_de_AXA\"><\/span><strong>\u00bfCu\u00e1nto cuesta la Cobertura B\u00e1sica de AXA?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>El <strong><a href=\"https:\/\/axasegurodeauto.com.mx\/blog\/axa-seguros-autos\/\" target=\"_blank\" rel=\"noreferrer noopener\">costo del seguro de auto AXA<\/a> para la cobertura b\u00e1sica estandarizada oscila entre los $3,000 hasta los $5,500 pesos<\/strong> al a\u00f1o. El costo depende de tu edad, modelo del auto, domicilio e historial.<\/p>\n\n\n\n<p>En la siguiente tabla podr\u00e1s ver los precios aproximados del seguro:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Edad<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Costo anual*<\/strong><\/td><\/tr><tr><td>J\u00f3venes (18\u201325)<\/td><td class=\"has-text-align-center\" data-align=\"center\">$3,000 \u2013 $6,500<\/td><\/tr><tr><td>Adultos (30\u201345)<\/td><td class=\"has-text-align-center\" data-align=\"center\">$2,500 \u2013 $5,500<\/td><\/tr><tr><td>Mayores de 50<\/td><td class=\"has-text-align-center\" data-align=\"center\">$2,000 \u2013 $4,500<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ventajas_de_contratar_con_AXA\"><\/span><strong>Ventajas de contratar con AXA<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Los beneficios de contratar con AXA son:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Atenci\u00f3n 24\/7 en siniestros<\/li>\n\n\n\n<li><a href=\"https:\/\/axasegurodeauto.com.mx\/blog\/axa-pago-en-linea\/\" target=\"_blank\" rel=\"noreferrer noopener\">AXA Seguros pago en l\u00ednea<\/a><\/li>\n\n\n\n<li>Red nacional de ajustadores<\/li>\n\n\n\n<li><a href=\"https:\/\/axasegurodeauto.com.mx\/blog\/reportar-un-siniestro-axa\/\" target=\"_blank\" rel=\"noreferrer noopener\">Reportar siniestros AXA<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/axasegurodeauto.com.mx\/blog\/axa-seguimiento-de-siniestros\/\" target=\"_blank\" rel=\"noreferrer noopener\">Seguimiento de siniestros AXA<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/axasegurodeauto.com.mx\/blog\/axa-mx-servicios-en-linea\/\" target=\"_blank\" rel=\"noreferrer noopener\">AXA MX servicios en l\u00ednea<\/a><\/li>\n\n\n\n<li>Procesos digitales \u00e1giles<\/li>\n\n\n\n<li>Respaldo de una aseguradora internacional<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_no_incluye_la_Cobertura_Basica_de_AXA\"><\/span><strong>\u00bfQu\u00e9 no incluye la Cobertura B\u00e1sica de AXA?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Las exclusiones del seguro son:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Da\u00f1os materiales a tu veh\u00edculo.<\/li>\n\n\n\n<li>Robo total.<\/li>\n\n\n\n<li>P\u00e9rdida total por desastres naturales.<\/li>\n\n\n\n<li>Auto sustituto.<\/li>\n\n\n\n<li>Coberturas premium.<\/li>\n<\/ul>\n\n\n\n<p>AXA protege a terceros, pero no cubre los da\u00f1os de tu propio auto en este plan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCuando_te_conviene_contratar_la_cobertura_basica_de_AXA\"><\/span><strong>\u00bfCu\u00e1ndo te conviene contratar la cobertura b\u00e1sica de AXA?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Este seguro puede ser una buena decisi\u00f3n si solo necesitas cumplir con la ley, tienes un auto de bajo valor, buscas pagar lo menos posible y usas poco tu veh\u00edculo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCuando_no_es_suficiente\"><\/span><strong>\u00bfCu\u00e1ndo no es suficiente?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>En caso que tu auto es nuevo o seminuevo, vives en zonas con alto \u00edndice de robo, quieres evitar gastos elevados tras un accidente y dependes mucho de tu coche.<\/p>\n\n\n\n<p>Para ese tipo de situaciones, AXA ofrece otras opciones de aseguramiento:<\/p>\n\n\n\n<p><strong>Cobertura Limitada. <\/strong>Incluye robo total del veh\u00edculo, responsabilidad civil y gastos m\u00e9dicos.<\/p>\n\n\n\n<p><strong>Cobertura Amplia. <\/strong>Protecci\u00f3n por da\u00f1os materiales, robo total y protecci\u00f3n m\u00e1s completa<\/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%BFLa_cobertura_basica_de_AXA_es_obligatoria\"><\/span><strong>\u00bfLa cobertura b\u00e1sica de AXA es obligatoria?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>S\u00ed, cumple con el requisito de Responsabilidad Civil exigido en M\u00e9xico.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFAXA_cubre_mis_danos_si_tengo_la_culpa\"><\/span><strong>\u00bfAXA cubre mis da\u00f1os si tengo la culpa?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>No en esta cobertura. Solo cubre da\u00f1os a terceros.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFPuedo_mejorar_mi_seguro_despues\"><\/span><strong>\u00bfPuedo mejorar mi seguro despu\u00e9s?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>S\u00ed, AXA permite ampliar tu cobertura en cualquier momento.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFIncluye_robo_del_vehiculo\"><\/span><strong>\u00bfIncluye robo del veh\u00edculo?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>No, eso solo est\u00e1 disponible en cobertura limitada o amplia.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFAXA_responde_rapido_en_accidentes\"><\/span><strong>\u00bfAXA responde r\u00e1pido en accidentes?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>AXA cuenta con ajustadores y atenci\u00f3n 24\/7 para brindar apoyo inmediato.<\/p>\n\n\n\n<p>La <strong>Cobertura B\u00e1sica Estandarizada de AXA<\/strong> es una excelente opci\u00f3n si buscas cumplir con la ley y tener un respaldo esencial.<\/p>\n\n\n\n<p>Sin embargo, su protecci\u00f3n es limitada. Si quieres cuidar tu patrimonio y evitar gastos imprevistos, lo ideal es considerar una cobertura m\u00e1s completa dentro de AXA.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-midnight-gradient-background has-background wp-element-button\" href=\"https:\/\/axasegurodeauto.com.mx\/\"><strong>\u00a1Cotiza aqu\u00ed!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Si est\u00e1s buscando un seguro de auto accesible que cumpla con lo m\u00ednimo necesario para circular en M\u00e9xico, la Cobertura [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1681,"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 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