Car insurance is one of the most underwritten because it is mandatory coverage. When choosing, it should take into account various elements not to feel trapped for the coming year. By law, ensuring your vehicle is compulsory. Failure to provide one’s car can result in hefty penalties. However, some things must be known before subscribing. Here is a list of things you should know before buying car insurance.
Finding car insurance consists of choosing the one that corresponds to the state of the vehicle and the needs of the subscriber.
6. Are my details accurate?
When subscribing to any insurance contract, the insured must provide certain information. Thus, it may seem obvious, but the first reflex is to check the coordinates transmitted to the insurer: surname, first name, address. It will prevent the couriers of the latter is not lost, especially in case of disaster.
5. The scope of Guarantees
This step is crucial because it determines the coverage of the insured in case of disaster. The latter must then carefully watch what the insurance company offers him: the guarantees suit me? What exactly do they support? (Type and definition of claims) Under which conditions do they operate? At the same time, it is essential to check whether they are included automatically or offered as an option.
If the insured believes that he needs an appropriate guarantee or extended coverage, he should not hesitate to ask his insurer for a guarantee extension or addition. Examples: The policyholder regularly rides to work and would like to let his colleague drive from time to time. He must then ask for the guarantee “loan of the steering wheel.” The insured is in colocation; he can extend the civil liability of the contract to his roommate.
It is necessary to check the scope of the guarantees: do they also work abroad? At home? In the context of work? At school for children? For example, there are several forms of school insurance whose scope is limited to school, school, and home-school trips, and for. the most complete 24 hours a day and seven days a week. Similarly, it must be verified that the car insurance policy guarantees also apply if the vehicle is used for business trips. As part of the home insurance, the “resort” guarantee covers the insured during his vacation.