Auto, motorcycle, health, animals: what is an insurance comparator really for?

Compare, find the best price and the best conditions: this is the promise of online insurance comparators.

And you can do it for any type of insurance: auto or motorcycle insurance, health insurance, home insurance, pet insurance, etc.

But the quest for the best price should not overshadow the search for the best quality/price ratio, namely the right choice of insurance and its follow-up, and the right choice of compensation and coverage.

Online insurance comparators: instructions for use

For years, several insurance comparators have been developed on the Internet that you can find on search engines.

Objective of an insurance comparator?

Allow you to find in a few clicks the contract best suited to your profile and your needs.

It must be said that time is often lacking and we don't always have enough 24 hours to complete all our tasks...

So when precious help comes along, why not grab it?

The process couldn't be simpler:

You will then have a proposal for a list of insurance policies that best meet your criteria.

The results table sometimes presents notes evaluating the quality of the reimbursement for the main expenditure items. The quotes will allow you to compare the guarantees offered.

What are the advantages of online comparators?

Using an online comparator has more than one benefit.

First of all, it's a great time saver.

Having a summary table in front of you in just a few clicks and in less than 5 minutes and without obligation, with a ranking of the formulas according to your criteria... That's a real service.

Online comparators also allow you to save money, by targeting the contract best suited to your needs... How many guarantees have gone unnoticed and paid for nothing when it was difficult to compare exhaustively?

And don't worry, online comparators give you all the freedom you need.

Once the insurance has been found, it is up to you to decide: subscribe directly online most of the time or be contacted by the chosen insurer.

Good to know: do not hesitate to renegotiate your contracts or to change insurance if you pay too much.

What to pay attention to when using an online comparator?

Many insurance comparators rank insurers from the cheapest to the most expensive because the budget is obviously an important criterion in choosing a mutual.

But be careful not to be satisfied with this point.

Go beyond the basic contract which will only offer you basic guarantees.

Be honest with yourself, especially in the information phase of your needs.

If you want to pull down contributions too much, you risk choosing an unsuitable contract.

You have needs, which should never be denied.

And it is better to pay a little more for your insurance every month than not to be compensated in the event of a claim.

How to change your health insurance?

The Hamon Law, which entered into force on 1 January 2015, introduced infra-annual termination for car and home insurance contracts.

And for mutuals?

It was not until December 1, 2020, that you could also terminate your complementary health insurance contract at any time, and free of charge.

For policyholders, this is a great step forward.

If the contract taken out is not suitable, it is easy to change it.

All the more so since the new insurer takes care of everything!

Send him the information related to your old contract (insured number, contract number, your contact details and those of the insurer) and he will send the cancellation request to your old insurer and formulate a request for the sending your statement of information.

Your old contract will be terminated one month later.

But to change, you have to find the right mutual.

And this is where online comparators come in.

Dissatisfied?

Let him compare… and choose!

For the other contracts, don't hesitate to call for competition or to check whether your contract still meets your needs.

But above all, do not plan to lie when filling out the questionnaire, because you could have a bad surprise and your possible claims will not be covered.