Insurance contracts have the unfortunate tendency to confuse members. To avoid unpleasant surprises, an overview of unsuspected things to know.
All of us, we pay (sometimes a fortune) our Car Insurance. Insurance at third, extended third or all risks, everyone sees noon at their doorstep. Either depending on the vehicle value to be insured, either according to its budget. Or both.
But if the insurance contracts highlight all their advantagesit is clear that there are still large shadow areas. Conditions unsuspected which can tip the scales.
Three years without insurance = “young license”
Let’s put our feet in the starter dish. The famous bonus/penalty coefficient which haunts people’s minds has not finished playing tricks on you. For good reason, if you know or have known a car insurance interruption for at least 3 yearssubscribing to a contract again immediately takes you back to the youth permit status. And this, whatever your years of license.
In other words, you thus restart without any bonusto reduction/surcharge coefficient (CRM) 1. which implies that you will pay full price your premium. However, if you prove that you drove a service vehicle until then, the insurer should assign you without concern a bonus in proportion to the number of years insured.
Is the driver still covered by his insurance?
Know that this is not always true. As unlikely as it may seem, the driver is not always guaranteed for his own damages. Especially when it is responsible of a disaster. Indeed, if the passengers are all well protected and will be well compensated under the public liabilitythe insured must, for his part, have subscribed to a guarantee ” Driver Protection“. Otherwise, the driver is not covered if he is at fault.
If this optional guarantee – but essential – is often included in the “extended third party” or “all risks” formulas, it is not automatic. It can in particular be absent of the tailor-made insurance“special malussé” insurance or those offered via comparators.
Burglary theft is not supported
Insure against flight is one of the first reflexes we have when taking out car insurance. However, in the eyes of insurers, there is theft and theft. A flight without burglary is indeed excluded coverage clauses of your car insurance for many companies.
Many of them still impose at least two break-ins (lock, steering column, etc.). Failing this and assuming that the car is found, they refuse to compensate the victims or claim to be reimbursed if they had already taken charge of the claim.
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Bonus 50: accessible after 13 years of insurance
If above we were already talking about the bonus/malus coefficient which governs everyone’s insurance premiums, the Holy Grail consists in arriving at the famous bonus 50. Understand by this, the threshold that allows you to benefit from the lowest insurance premium.
To benefit from it, you will have to be patient. Indeed, this stage is accessible after thirteen long years of insurance. But beware ! Still he does not commit the slightest accident and show good behavior (no pun intended). Remember that every snag will cost you an increase of 25% on your bonus/penalty while the bonus, meanwhile, increases by only 5% from year to year…
Note that some insurance such as BNP Paribas, Macif or Matmut still go further to retain their best profiles who have reached the coefficient 0.50. They reward them with a extra bonus (respectively up to 60 or 65%).