Choosing the Right Car Insurance for Your Needs

When you buy a car, or change to another model or an electric car, it is mandatory to take out insurance for it. However, not all insurance contracts offer the same guarantees for the subscriber. If some guarantees are provided in each formula, others are optional, but are also of great importance. But then how choose car insurance ?

What are the guarantees offered by all the formulas?

Several guarantees are generally included in all contracts, which should not prevent you from finding out before signing. This is Civil Liability, which covers damage caused to others. This can be repairs to the affected car, but also bodily injuries resulting from an accident. This guarantee also applies if you run over a pedestrian or a cyclist, for example. Most contracts now offer a driver’s warranty with variable compensation of €500,000 for example. This guarantee is essential, because it covers damage and injuries suffered by the driver, whether or not he is responsible for the accident. Most contracts also offer the defense of your interests following an accident, for all matters relating to legal proceedings, etc.

What other formulas can you be offered?

The so-called “third party” formula therefore offers the guarantees set out above, it is the minimum cover to insure your car. There are then, other formulas, with more important guarantees, and also more varied and targeted. Thus the so-called “third plus” or “intermediate” formula adds to its guarantees, breakdown assistance 0 or 25 km depending on the company, glass breakage, theft, fire, natural disasters, etc. The last formula, called “all risks” offers all the guarantees set out above and also covers you for “damage all accidents”. The latter covers all damage to your car, whether or not you are responsible for the accident, whether you hit a tree, or whether your vehicle is scratched or damaged by an ill-intentioned person or during public demonstrations, for example. The choice of your contract must therefore be done according to your needsbut also risks related to your place of residence, and many factors that can affect your choice.