Intermediate or “third-party +” insurance designates a more advantageous formula than third-party insurance.
It offers civil liability and additional guarantees.
Less expensive than all-risk insurance, it represents a good alternative for certain driver profiles.
Let's take a look at this intermediate car insurance, both in terms of coverage and premium.
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What does third-party auto insurance cover?
Third-party auto insurance is the basic form of auto insurance.
It allows you to be insured with civil liability, which is the minimum compulsory guarantee for any owner of land motor vehicles.
Concretely, it provides coverage for material damage and bodily injury caused to others.
However, if you only subscribe to this insurance formula, you will not be covered:
For the repair costs of your vehicle
For the costs of your bodily injury
For support costs
You can therefore complete your third-party insurance with optional guarantees.
This is also the whole point of the intermediate car insurance formula.
What does third-party plus car insurance cover?
“Third-party +” auto insurance guarantees may differ depending on the insurance company.
But it generally covers: protection.
It represents a good compromise between low-coverage third-party insurance and fairly expensive all-risk car insurance.
“Third-party +” auto insurance guarantees may differ depending on the insurance company.
But it generally covers:
The Theft and Fire guarantee which intervenes in the event of the theft of your vehicle, an act of vandalism or a burnt car.
The glass breakage guarantee with or without deductible allows you to receive compensation following an accident, a collision or an act of vandalism causing damage to your windshield, rear windows, fire, etc.
The natural disaster guarantee provides coverage in the event of material damage to your vehicle following a climatic event classified as a natural disaster (hail, fire, flood, avalanche, etc.).
Why take out third-party car insurance?
The Law requires all motorists to insure their vehicle, whether or not it is driving, for civil liability.
This guarantee covers material and bodily damage caused to third parties.
As a result, the intermediate or third-party plus insurance formula supplements this basic guarantee in order to optimize the level of cover.
Drivers can then claim compensation in the event of an at-fault accident without paying the high price of all-risk insurance.
Taking out third-party car insurance is best if you want to:
Find a compromise between price and level of protection
Obtain certain guarantees without having complete protection
Protecting a vehicle that is not new
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What is the difference between third-party insurance and comprehensive insurance?
All-risk insurance designates the most complete formula on the auto insurance market.
Unlike third-party insurance, it covers material and bodily damage in the event of an at-fault accident.
In addition, it offers compensation calculated according to the replacement value to be said by the expert (VRADE) established on the Argus coast, when your car is destroyed or during major repairs.
Specifically, it provides protection and compensation in the event of:
Bodily injury and property damage regardless of your degree of responsibility
Degradation due to natural or technological disasters
Theft or fire of your vehicle
Ice Breakage
Destruction of your vehicle or major mechanical repairs
Etc.
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What to remember about this extended car insurance
Extended auto insurance, also referred to as extended third-party insurance or “third-party +”, is included between third-party auto insurance and all-risk auto insurance.
It makes it possible to reinforce the basic formula which only provides civil liability by supplementing it with all-accidents cover.
This protects drivers in the event of bodily injury or property damage to themselves or their vehicle.
And this, even in the event of a responsible accident.
Better to be better covered than to find yourself in a catastrophic situation financially or physically...
