Because being well covered is important, choosing the right car insurance plan is essential.
But what are the optional guarantees to be well insured in addition to the classic formulas?
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Car insurance: optional guarantees
Beyond the essential auto formulas (civil liability or all risks) to obtain good protection, certain additional guarantees remain useful in an insurance contract.
Assistance guarantee
This guarantee ensures that your vehicle is repaired in the event of a breakdown.
Depending on the formula chosen, you can benefit from several advantages: coverage of travel and towing costs;
0 km excess to be repaired anywhere and at no additional cost.
Replacement vehicle warranty
It allows you to enjoy a replacement vehicle in the event of a breakdown, accident or theft of your car.
Depending on the contract taken out, the duration of the loan varies according to the nature of the claim and your guarantees.
All-accident damage cover
By definition, this guarantee covers all material damage related to a claim on your vehicle.
And this even in the event of a responsible accident.
Be careful to check the deductible ceilings and the parts covered (roof box, rims, etc.).
The driver's personal guarantee
This is the option that provides you with coverage for yourself or your vehicle in the event of bodily injury and/or material damage.
You are compensated even in the event of an accident without an identified third party.
It applies in the event of an at-fault accident.
In the event that the accident is caused by a third party, it is his personal auto insurance that covers the costs incurred by the incident.
The classic guarantees of auto insurance contracts
There are other traditional guarantees, such as third-party insurance and all-risk insurance.
Third-party insurance, also called civil liability, is the compulsory guarantee for all owners of land motor vehicles.
Good to know: Civil liability is mandatory even for a vehicle parked in a parking lot or garage that is not driving.
If you opt for extended third-party insurance, you can add options or opt for all-risk insurance which generally includes them.
Theft and fire insurance
This guarantee provides you with compensation in the event of theft, vandalism or fire of your vehicle.
If necessary, your insurer appoints an automobile expert who bases himself on the VRADE (Assessed Value) to assess the amount of compensation.
Please note: check with your insurance company to find out if you are compensated in the event of attempted theft (car-jacking, mouse-jacking).
Some insurers offer it as an option.
Glass breakage guarantee
In principle, this guarantee covers damage to any glazed element of the vehicle.
However, it is important to analyze your car contract to identify the elements taken into account.
If the windscreen and the windows are generally included, other components are often optional: optics;
wing mirror ;
sunroof glass.
In order to find the most suitable car formula, you must analyze your driver profile and the condition of your vehicle (year of entry into service, mileage, etc.).
From there, you opt instead for all-risk car insurance in the event of the purchase of a new vehicle.
Conversely, if your vehicle is 20 years old, third-party car insurance is more suitable.
Do not hesitate to seek advice from your insurer and compare the car rates of the different insurance companies.
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Learn more about car insurance
Because it is normal to ask questions when looking for insurance for your car, we answer your questions!
Do you need civil liability coverage in car insurance?
With regard to the law of February 27, 1958 included in the Insurance Code, all owners of a land motor vehicle are obliged to insure their vehicle.
The mandatory minimum guarantee even for a non-driving vehicle is civil liability.
Theft, fire, vandalism: are you well insured in auto insurance?
In order to benefit from compensation in the event of theft, fire or vandalism, you must take out intermediate third-party theft and fire car insurance or all-risk car insurance.
What is the most complete car insurance formula?
All-risk car insurance is the most complete formula.
It provides coverage for all material damage and bodily injury in the event of an accident, whether responsible or not.
In addition, for absolute car insurance, there is the formula without deductible.