Winter tires and mandatory chains: be careful, if you are in violation, your insurance may not reimburse you!

the essential
Winter tires, chains or socks: not respecting the law on mountain roads could also put the offender in “financial danger”. His insurance is entitled not to reimburse him in the event of a problem or accident.

Co-founder of Leocare, “the first multi-service neo-insurance”, Noureddine Bekrar answers questions from La Dépêche on the obligation for motorists to equip themselves with chains, socks or pensu winter in the mountain towns concerned from November 1.

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CASE. Winter tires or chains compulsory: to avoid a fine of 135 euros, you must go out equipped from November 1

La Dépêche du Midi: What do you risk, on the insurance side, if you have a traffic accident, in the mountains, this winter, but you do not have the regulatory equipment on your vehicle?

Noureddine Bekrar: The spirit of the law is really the safety of users in mountainous regions, those in the vehicle as well as those with whom they share the road. From an insurance perspective, things are clear. If an insured does not have the appropriate equipment and finds himself either in a blocked situation or in a claim situation, following an accident, the insurance is entitled to refuse to cover him. If we refer strictly to the law, this one is indeed at fault and the insurers will have every right not to take charge of the breakdown service or the cost of the claim.

Noureddine Bekrar

That is to say that repairs, mechanical or bodywork damage and any damage to the user and third parties will not be reimbursed, right?

It’s exactly that. Beyond the fine of 135 € and the risk of immobilization of his vehicle, the user will therefore put himself in financial danger if he does not respect this law. However, it is important to remember here that the coverage of this assistance due to ice or snow in the mountains does not require additional costs for the insured. It’s included in their contract as long as they comply with the law.

Professionals point out that it is also the lack of user training that poses a problem on snowy roads…

I agree. If someone is not used to these particular road conditions, they will have difficulties but they will be accentuated by the lack of equipment with a much greater level of danger and risk. The base is therefore the equipment, but generalizing practical courses in the future would make sense.

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