Insurance prices are free, the first instinct to have, when you want to insure a vehicle, is to compete. This is true when you want to take out a contract for the first time, but also when you are already insured and want to obtain better conditions, particularly financial. In the latter case, it is also advisable to carry out comparisons every two years or so, insofar as the offers and your needs change. But pay attention to your selection criteria. Indeed, the lowest rate will not necessarily correspond to the most suitable coverage. You must always take into account the relationship between the guarantees offered and the asking price, without forgetting to carefully read all the conditions.
Before committing, you must therefore have accurately identified your situation.
For example, it is not necessary to take out all-risk insurance if your vehicle is over ten years old and you rarely drive with it.
On the contrary, chaining the kilometers with a brand new vehicle without good coverage can prove to be ruinous in the event of a disaster.
There are then three main types of contracts, which fit into each other, each adding additional guarantees compared to the lower level.
Three levels of contracts
The so-called "third party" insurance is ideal for old vehicles that are no longer listed on the Argus.
It includes the minimum required by law, namely civil liability, which covers bodily injury and material damage caused to your possible victims in the event of an accident.
Better to add an additional driver's warranty, otherwise you will be in your pocket if you are injured yourself.
If your car is new, or if you drive a lot, opt for “extended third party” insurance instead.
It includes the basic third party and adds additional cover such as breakdown and accident coverage (breakdown service), broken glass or even theft, depending on the company.
But beware: some formulas are not applicable if the incident takes place more than 30 or 50 km from your home.
The most comprehensive - and therefore the most expensive - option is “all risk” insurance.
It is only recommended if your car is very recent and if you drive a lot.
This contract fully insures your car, even if you are responsible for the accident.
It includes third-party insurance, breakdown and accident coverage, as well as theft and fire coverage.
Among other benefits, you can benefit from a replacement vehicle while yours is unavailable.
Here again, you have to read the conditions carefully.
Particularly in the context of theft (some offers only cover violent theft, for example) or in the scenario where your car is unrecoverable (some companies reimburse at new value within 6 months following the subscription of the contract, others at 24 months ...).
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