2023-06-20 06:38:15
In the complex world of car insurance, remember to fully understand the different types of existing formulas and the guarantees offered to best protect your vehicle and protect you against the unexpected on the road. The formulas vary according to the needs of each driver and the level of cover desired. It is therefore crucial to study them carefully to make an informed choice that is adapted to your profile. Let’s decipher together the main car insurance formulas and their guarantees, in order to help you select the most appropriate one for you and your vehicle.
Choose the best car insurance
There are 3 types d’assurance automobile mandatory in France, each with different coverage. All drivers must subscribe to at least one of these formulas.
Also to discover:
How do I find a carpool?
L’third party insurance is the minimum and mandatory formula for all registered vehicles. It offers basic protection against damage caused to third parties (persons or property), but does not cover damage to the insured vehicle or its occupants. This formula is suitable for owners of old, inexpensive cars that are not driven much.
L’intermediary insurance offers more extensive coverage than thethird party insurance, particularly in the event of theft, fire or broken glass. It is a relevant choice if you have a recent vehicle or if you drive a lot.
See also:
How to modify an amicable report?
L’Back to back insurance is the most complete and offers optimal protection with extended guarantees such as coverage of bodily injury to the driver at fault as well as that suffered by his own vehicle, regardless of his liability in the accident. This insurance is ideal for high-end or new cars.
Choosing the right car insurance therefore allows you to be effectively protected without having to pay too much for services that you do not need, but also without taking the risk of being poorly compensated in the event of a claim.
Besides these three levels of compensation, you can also opt for various additional options such as:
• The mechanical breakdown warrantywhich covers the repair costs if your car breaks down;
• The 0 km assistance guaranteewhich covers you against unforeseen events from the start of your travels;
• The new value warranty : this option allows you to be compensated for the total value of your new vehicle for a certain period (generally 24 months).
It is therefore possible to adapt your car insurance according to your needs and your personal situation. To make an informed choice between these different formulas and additional options, it is recommended to seek information from professionals in the sector or via online car insurance comparators.
Third-party insurance: what it covers
L’third party insurance offers a mandatory minimum coverage for all drivers in France. This formula makes it possible to support the damage caused to third parties during an accident.
If you are responsible for an accident, your insurance will therefore cover the costs incurred by the injured party. This includes costs related to repairs to the damaged vehicle as well as those relating to bodily or psychological injuries.
It should be noted that this insurance does not cover damage to your own car. If you are the victim of an accident for which you are responsible, your own repair costs will therefore be borne by you.
On the other hand, there are some additional guarantees which can be added to this minimum formula to reinforce the protection offered to the drivers and passengers of the insured vehicle:
• The extended liability coverage : it allows in particular the coverage of damage caused by a fire or an explosion.
• The criminal defense and recourse following an accidentwhich bears the cost of attorneys’ fees when necessary.
• L’broken glass optionessential if you regularly drive on the motorway where the risks are increased.
To choose the right auto insurance for your situation, remember to think carefully about your needs in terms of protection and anticipate the risks to which you are exposed. If you drive little or your car is old, thethird party insurance may be enough to cover your needs. On the other hand, if you regularly use your vehicle for business or personal travel, a more complete formula may prove necessary.
Finally, before taking out car insurance, it is recommended to carefully read the general conditions of the contract as well as its exclusions so as not to have any unpleasant surprises in the event of an accident. It is also possible to compare several car insurance offers online thanks to specialized comparators which save considerable time and provide better visibility of the different options available.
All-risk insurance: guarantees in detail
L’Back to back insurance, as its name suggests, offers more coverage than third-party insurance. It is often chosen by drivers who have a new or top-of-the-range vehicle and wish to be protected in all circumstances.
This car insurance formula covers the total damage to your own car, even if you are responsible for the accident. It also includes the public liability as well as additional guarantees offered in third-party insurance.
She offers optional guarantees such as the theft guarantee, which reimburses the amount of the stolen vehicle if it is not found within a contractually fixed period; the fire guarantee, which covers the costs related to an accidental fire; and the natural disaster guarantee, which covers damage caused by a natural disaster such as an earthquake or a storm.
It should be noted that this formula is generally more expensive than other car insurance available on the market. However, for some drivers, it may be worth it because they will be better protected against the vagaries of the road.
Before any commitment to a Back to back insurance, it is essential to check the terms and compare the offers. This will allow you to select an offer that suits both your budget and your needs.
It is crucial not to overlook the importance of car insurance. Indeed, the latter represents an essential investment to protect yourself and others in the event of an accident.
Additional insurance options: what are they worth
In addition to the guarantees offered by the different auto insurance formulas, it is possible to subscribe to additional options for better coverage. These options may vary between insurance companies and are often charged extra.
Among these options is the driver warranty. It allows you to benefit from a compensation in the event of death or permanent disability following a responsible or non-responsible accident. This option can be interesting for drivers who have a family car and want to protect their passengers.
The juridic protection is also an option available from some insurers. It bears the costs related to a dispute with a third party involved in the accident. It can also help the driver to obtain compensation from his insurance if the latter refuses his request.
There is also thebreakdown assistance 0 km, which allows motorists to benefit from assistance as soon as their vehicle breaks down, regardless of where they are on the road. This option can be particularly useful for those who make a lot of out-of-town trips.
Some companies offer specific warranties for electric or hybrid cars such as payment for the replacement of damaged batteries after an accident or even the temporary loan of a similar vehicle during the repair period.
THE additional insurance options can bring a added value to your car insurance policy. Before subscribing to these options, it is recommended to be well informed about their terms and their cost to avoid unpleasant surprises in the event of a claim.
1687248536
#car #insurance #formulas #guarantees