Insurance Tips

Auto insurance which concern vehicles adapted to the conduct of persons with disabilities is often more expensive than conventional insurance.


Get his driver's license in the event of disability
His permit when you are disabled is not always obvious thing. Indeed, beyond the difficulty of proof of the license itself, it must also pass a medical commission, which will decide if you are able to drive a car. According to medical data, it may issue a temporary or permanent permit.

The change of cars
Once the permit is obtained, it should also acquire a car that meets the needs of the disabled person and allowing him to drive. It's often make costly changes to the vehicle; the cost can exceed the price of the vehicle. It is generally adapt the wheel using 'joystick' to pass speeds for example and braking, it is also to develop a new door that allows the driver to enter and exit more easily. GEFIPH (Association of management of the Fund for the professional integration of people with disabilities) and the CDAPH (Commission on rights and the autonomy of persons with disabilities) are two agencies that are responsible for assisting persons with disabilities for the funding of this type of changes.



Higher insurance premiums
Most often, people with disabilities will have to pay a more expensive than normal insurance premium. Insurers justify this price rise due to the costly changes to the vehicle. The contract is, moreover, often with mandatory safeguards that increase a little more note.

A change put in place
Facing this situation, some insurers have decided to reverse the trend and to provide to persons with disabilities of the insurance contracts whose price is comparable to conventional contracts. They also put in place a series of measures on the basis of disability, whether O mile assistance or adapted failure car loan.

This is not a myth; some colors of cars may push up the price of your auto insurance.


Colors to avoid
Bright or garish colors are the colors to avoid if you want to lower the price of your auto insurance. Red and all colors that might be described as flashy are therefore to be avoided. Prefer more neutral colors, such as gray, black, blue, standard colors which can however reduce the insurance premium rating.



Statistical reasons
Insurers have not decided overnight that they didn't like poppy red or yellow chick. This state of fact actually statistics follows. Indeed, according to the latter, in garish colors cars have more accidents than cars with more basic and more neutral colors. Should we connect this to the fact that bright car drivers are poorer drivers than drivers of cars in neutral colors, why not! Thus, with a car, you may pay more for your insurance, but you pass unnoticed on the road.

A trend that disappears bit by bit
Today, fewer and fewer companies insurance rely on the color of your car to calculate your insurance premium. Insurance generally seek the brand, the model, the power, but the color is always a key factor. Only some companies will let you pay more if your car is red. You compare quotes and see what you require insurers, if you want to drive a red car without paying the price!

Complete a report request time and attention to detail, which is not always evident as a result of an accident.


Good reflexes in case of disagreement
In an accident, you are required to fill out a report with the other party. If both parties agree on the circumstances of the facts, they can sign the report before sending it to their insurer. On the other hand, in case of disagreement, especially do not sign the statement. Indeed, it will be very hard to get back on your statements. If the other driver attempts to force the hand of you, do not sign so far and the need to contact the police.

Check the signs left by the other driver
Some dishonest drivers may very well indicate false comments on the observation, or incorrectly indicate their name, their license plate number, driver's license. A check and ask the driver to show his papers.


Back on the once-signed statement
Once signed, it will be very difficult to return to the observation. If it is possible to prove that the other party has lied through damage to the car, your insurer may then support your remedy and attack the other party. Without evidence, most often, you will unfortunately no use. Hence the importance of the witnesses. If people were witnesses to the accident, be careful to keep their contact information and to indicate their name on the report. You will then be able to rely on the testimony of the latter to demonstrate the responsibility of the other driver.

A result of an accident or theft, your car may be declared by the expert as being a wreck. However, you have the opportunity to challenge this opinion.

What is a wreck?
A vehicle is considered as a wreck in two cases. First, when the cost of repair is greater than the value of the car on the market. The car is then declared as VEI, i.e. vehicle economically irreparable. Secondly, your car can also be completely irreparable given its State and will then be declared as TNR, which means technically non-repairable.

Challenge a wreckage layout
In the case of economically irreparable vehicles, it can happen that you are not in agreement with the decision of the expert. For example, your car can be estimated at EUR 1000 and if the repair costs are in the order of EUR 1200, your preferred insurance pays you your compensation, rather than repair the car in question. However, for you, this can cost you much more than the difference, because you then need to buy a new car. You can challenge the decision of the expert. You have 30 days after the issued expert report. Without a response, your insurer deems that you refuse implementing wreck of your vehicle.


To challenge the wreckage layout, you can for example provide less important quotes from other garages and that you would be estimated below the price of the car. You can also request further expertise by providing evidence of proper maintenance of the car and the repairs already made previously. You can even ask for a second opinion or through judicial expertise.

Accept a wreck
If you accept the implementation proposed by your insurer wreck, you'll have to provide him with the keys, the gray card, the certificate of sale and any other supporting document requested by the insurer. It is the company who will then the assignment of your vehicle wreck to an approved professional body.

The green card and the insurance certificate are key elements of your auto insurance. They are proof that you ride in provided.


What is the green card and the insurance certificate?
When insure your car, your insurance company will send you what is commonly called a green card. It decomposes in reality in two, with one side the certificate of insurance and the other your certificate of insurance. Certificate of insurance, it is the green card which you affixed to the windshield of your car. It is proof that you ride in provided. The insurance certificate is the paper, still green, should include your name, the name of your insurance, its validity date and the information about your vehicle, namely registration, make and model.




Travel insured
On the back of the green card, list of countries where you can ride while still provided by your insurance company. No need then to a new temporary insurance if you cross one of its countries with your car. Before you go on holiday abroad, check so that your vehicle is insured in the country.

Your obligations in the event of police control
If you are stopped by police, the police will verify that your coupon, certificate of insurance, is present at the level of the windscreen. They also ask you your certificate of insurance or green card, in order to check that the data entered are in concordance with the car. Don't forget to sign your certificate of insurance. To be valid, the card must be signed. Otherwise, the police can you verbalize and draw up a PV of the order of 60 euros. So if this is not already done, don't forget to sign your card!

How to know if your car is assured in the event of bad weather? Have good reflexes auto insurance.

The guarantee according to the contract
At a time where the elements tend to befall on the France, it is time to ask the right questions about your protection against the weather. In fact, rain, hail and storm can cause damage to your vehicle. If you have purchased a warranty all risk, you shouldn't be too worried. Not the elements might fall you on your head, but you will be reimbursed for the damage affecting your body. For all types of contracts, if you subscribe to the glass breakage warranty, everything concerning the repair of the windshield and glass will be refunded. In all cases, will need to subtract to your benefits of repair franchises, according to the amounts indicated on your auto insurance policy.


Security storm and guarantee natural disaster
Some damage caused by weather such as rain, snow and wind, are not necessarily guarantee natural disaster. Indeed, the State of natural disaster is decided by the State. If you have damage caused by weather unless a natural disaster was declared, so you will need to refer to your warranty called "Storm". Reimbursements and deductibles will then not the same. Indeed, natural disaster declared by the authorities, Act fixed the franchise to 380 euros. For damage suffered as a result of rain or wind, the franchise can be higher. In addition, you will have 5 days to report your claim to your insurance company, where you in 10 natural disaster.

You need immediate insurance after an accident or for a temporary need. Where to find them? What are the conditions?


One generally speaks of immediate auto insurance for insurance whose subscription is immediate, it must respond to a specific and urgent need or whether it is temporary car insurance.

Immediate insurance by an insurance comparer
In its first acceptance, the immediate car insurance allows the Subscriber to be covered in the day. Therefore, the issuing of the green card or certificate of insurance which is immediate.

To get immediate auto insurance, the easiest and fastest way is to go through a car insurance comparer. In addition to being free, these websites allow an immediate subscription online, made possible by a redirection of the user to the website of the insurance company that interests him.

At the end of the subscription online application, the user directly receives his certificate of insurance electronically and it is thus and therefore considered as being insured, i.e. it can take the wheel.

Immediate temporary car insurance
The immediate auto insurance term is sometimes also used to refer to an immediate subscription to a contract subject to a specific and urgent need.

It can especially be the need for immediate coverage to retrieve a vehicle insured, purchased in the auction or an individual. Immediate temporary insurance may also be necessary for a covering of a vehicle stopped by the police for example.

With a duration ranging from 1 to 90 days, temporary insurance is increasingly proposed by automobile insurance companies and in particular those who have developed an insurance online offer.

Discover auto insurance coverage to the third party. Article L211-1 of the French insurance code, every driver shall, to move his vehicle, be covered by insurance guaranteeing civil liability, also known as auto insurance in the third.

Compulsory legal minimum, third-party car insurance covers as the name suggests the third parties to which the driver would have caused damage.

The guarantees of the third-party insurance database
According to article 1382 of the civil code, "any act human, causing others harm, requires that the fault of which happened to repair. '' This is called the principle of civil liability.

Insofar as the driver of a land motor vehicle can cause damage to others, others agreeing not only to another driver but also pedestrians or passengers, it must ensure its civil liability.

In this way, victims can obtain compensation for their damages on the part of the insurer of the driver responsible for the accident. The interest of the civil liability or auto insurance in the third is therefore first and foremost to support the material damage to other vehicles and injury caused to third parties (pedestrians, passengers, another driver, and cyclist).

Good to know: the third party insurance does cover or damage to the driver or those caused to his vehicle.

Third-party car insurance: sometimes more coverage
Although this is a general rule, it is rare that insurance companies limit coverage of auto insurance contracts only liability.

Happens so regularly enough that they provide insurance to third parties, legal protection and a form of assistance. Some insurers also include ice-breaking security.

Attention however, you should always check what are the guarantees that cover you in your auto insurance to not have bad surprises

Your auto insurance is generally contracted for one year with tacit renewal of it every year. Since January 2005, the Chatel Law requires insurance companies to inform you 15 days minimum before your contract expires to the new amount of your insurance premium. If your insurer does not send you this notice in writing, you can end this contract within 20 days from the date of tacit renewal.
Through the Chatel Law, you also have the possibility to cancel your contract if the insurer has decided to modify its prices or terms and conditions without notice to you. Same after a disaster that you're responsible or not. In this case, should send a letter of termination auto insurance with acknowledgement of receipt at your company.

You also have the possibility to break your auto insurance in the 2 months before the expiry of your contract by sending a registered letter of termination insurance auto with acknowledgement of receipt to your insurer.

Certain circumstances allow you to cancel your contract as auto insurance: change in employment status, unemployment, moving, matrimonial (change your marriage contract, divorce, widowed, wedding etc.). In this case, should be there prove that this change has a real impact on your insurance contract. Need to send to your insurer a letter of termination with AR auto insurance explaining the impact of this change in marital status on your auto insurance policy.

Cancellation insurance: key points to use the Chatel Law
To see how this works, let’s remind you 3 key points on your insurance contract:
-Due date: date which your contract is automatically renewed by tacit agreement (i.e. a year after having been contracted).
-Date of notice: date from which you can no longer cancel your contract. Generally, the notice is 2 months for most insurers. If your contract has a due date to December 1, the date of the notice will be October 1.
-Notice: document sent by your insurer with the amount of the new insurance premiums for the coming year.


The law requires your insurance company to remind you with the notice of expiry date (date of the notice) allowing you to terminate. If the notice of expiry is sent less than 15 days prior to this date (the date of the notice) or after this date, the insured must be informed that he has 20 days to terminate the contract. In addition, the law protects you by including a provision in the case of information. You can terminate your contract at any time by registered letter termination insurance auto with acknowledgement of receipt.

How to use the Chatel Law?
You must check on your last annual notice of expiry if the reference to the law Chatel is present and what date you received this notice.

Once you have verified these points, you have 4 possible situations:

-Your notice was sent more than 15 days before the date of the notice and does not include the mention of the Chatel Law: you can cancel your insurance at any time by registered letter with acknowledgement of receipt.
-Your notice was sent more than 15 days before the date of the notice and includes the mention of the Chatel Law: you can terminate your insurance only by registered letter with acknowledgment of receipt in accordance with the period of notice (generally 2 months).
-Your notice was sent less than 15 days before the date of the notice or after this date and includes the mention of the Chatel Law: you can cancel your insurance only if you are still in the period of 20 days defined by Chatel Law.
-Your notice was sent less than 15 days before the date of the notice or after this date and does not include the mention of the Chatel Law: you can cancel your insurance at any time by registered letter with acknowledgement of receipt

Last Council auto insurance cancellation:
According to Chatel Law, resiliation takes effect the day after the date of the mailing. Attention therefore to be provided the following day, many people think that their insurance runs even on a delay of a month, but this is not the case. So, be sure good to have found another auto insurance before sending your mail.
If on the contrary, your insurance has terminated your auto insurance and you have trouble you sure, consult our convenient cancellation insurance auto.

You wish to cancel your insurance; it is time to compare prices of insurance, to compete. Do not throw you on the first offer, made the tour of the market.

What are the advantages of dedicated employees auto insurance? Today, many insurance companies offer contracts tailored to the sector of activity of the driver. Officials of the public service thus do not escape the rule and can sign a contract taking into account the requirements of their status as civil servants.

An insurance company, AMF insurance, presents itself as the insurance dedicated to all officials.

Guarantees adapted to officials
In general, the added value of auto insurance especially dedicated to public service lies in coverage of the vehicle travel professional and this, without an additional fee is required.

To attract customers, companies will also sometimes offer more attractive rates for officials or erasure of the premium of insurance for young officials.

In addition, insurers so-called generalists, i.e. those who did not have insurance for their core business officer, are just as likely to provide advantageous contracts for staff members.

Compare the official car insurance
Given that the price of the car insurance is based on a number of criteria and not only on the status or profession, it will be always in the interests of the agent of the public service, as in the interest of everyone else, compare offers through a car insurance comparer.

As it is not easy to know in advance the insurers that offer advantages to customer’s officials, the use of a comparator of insurance is often needed to make his choice.

Today, insurance adjust their contracts to "little wheelers". It is increasingly common to see offer car insurance at discounted price for mileage not exceeding 8000 annual km. Some insurers will also to consider the driver who travels less than 12,000 miles per year as a small rider and can therefore offer appropriate contracts.

Auto insurance in kilometer
Usually most economical insurance at kilometer is, as its name suggests, calculated on the number of kilometers actually travelled per year. Designed for the small rollers, this form of auto insurance works on a prior declaration of the number of kilometers travelled by the driver.

It then undertakes not to exceed the number of kilometers agreed with the insurer. Emphasis is placed on the strict respect of the initial commitment because if the stated mileage is exceeded, the financial consequences can be very heavy.

It is widely recognized that insurance km allows savings ranging from 10-35% compared to a traditional car insurance formula.

The Pay as you Drive
Variant of insurance per kilometer, the Pay As you Drive (pay as you drive), form of auto insurance that just right of the Anglo-Saxon countries, is to install an electronic in the vehicle so that the insurer can refer to the number of kilometers travelled and establish the tariff of the insurance contribution on the basis of this.

Pay as You Drive enables the insured to save between 12 and 40% on the price of its automobile insurance.

Think about fleet insurance when you have several vehicles. While it was available so far that only companies, fleet insurance is now available to individuals. Zoom on the advantages and disadvantages of this type of insurance.

Ensure a fleet of vehicles means the possibility offered to the driver for several vehicles, generally at least three with the same insurer.

A single contract of insurance for several vehicles
Although this is a rule, sometimes quite to own a car, a motorbike and a camper which is the main driver.

However, instead endorse specific contracts of insurance for each of these vehicles and thus accumulate similar liability guarantees, some insurance companies offer unique contracts covering all vehicles.

The first advantage of these 'insurance for fleet», originally reserved for companies that provide their employees with vehicles function, is of course the amount of contributions paid by the insured person.

Bonus-malus insurance with no fleet of vehicles
A fleet of vehicles for business insurance does not know the coefficient of reduction-increase, so-called bonus-malus system. At the same time, when it is granted to an individual, insurance multi-vehicle does not take into account this bonus-malus system.

This means firstly that the auto insurance premium is recalculated every year based on reported claims and on the other hand, that the insured loses his bonus. In other words, for all insurance auto individual future, the insured cannot avail themselves of a bonus accumulated on the fleet insurance.

High range car owners must take out special insurance. Discover the reasons and the guarantees of the specific contracts! More and more auto insurance companies now offer contracts specifically adapted to the luxury vehicles.

For information, insurers consider vehicle of luxury or upscale, cars of which the purchase price exceeds €30 000.

A formula of specific insurance for luxury cars
While the Act imposes on the driver of land motor vehicle insurance to the third party to ensure its civil liability for damage caused to others, driving a high range car forced to choose a form of insurance much more extensive guarantees.

In fact, more powerful and rarer than an entry-level car, the luxury vehicle represents a level of risk for insurance companies.

Between the risk of flight and difficulty finding replacement repair parts, it seems necessary to turn to a specialist insurer for failing to pay a disproportionately expensive subscription.

Some options become mandatory
It is very common that the driver of a vehicle to be impose subscription to options required by the insurer.

Electronic security tracker GPS system, passing through overnight in garage parking mode, adding these options constitute a prerequisite condition the subscription of the contract. In other words, improperly called options, these are not since they must necessarily be provided by the driver.

Moreover, if the value of the vehicle is greater than 75 €000, then it is considered to be a vehicle of exception. If this is the case, it is imperative to turn a dedicated insurer.

Are hybrid vehicles car insurance really advantageous? It is more common today until the owner of a hybrid vehicle is proposing a contract of automobile insurance specifically adapted to this particular type of motorization.

More environmentally friendly in that they combine a combustion engine to an electric motor, cars hybrids are generally cheaper to.

Hybrid cars, of different vehicles?
It is public knowledge that hybrid vehicles are, due to the combination of both engines mentioned above, less polluting and more economical. Indeed, not only hybrid cars emit less CO2 traditional cars but they are more less fuel consuming.

These two benefits were taken into account by the State on the one hand, who continues to encourage motorists to opt for buying a cleaner, whether hybrid or all-electric vehicle, and by other auto insurance companies who are more likely to offer contracts for this type of vehicle.

Hybrid vehicle insurance is less expensive
The two above benefits can also find lower hybrid car insurance rates to traditional cars. Indeed, there are many insurers that apply preferential rates to owners of clean cars.

Thus, it is more and more common that the driver of a hybrid car model benefits from a reduction in its auto insurance premium.

The choice of his auto insurance is still a complicated Act because there are many insurers and especially many different offers.


Indeed, auto insurance is usually the sinews of war by insurers that compete in communication and marketing techniques to better to seduce you. Car insurance benefit from various 'packs', guaranteed, given various, and other elements that fit into account in the calculation of the price of your auto insurance.

Here are some tips for choosing your auto insurance. There are several formulas that vary according to the insurers to perfectly meet your needs.
In General, you will have the choice between two main options:

Third party insurance: it covers only liability (RC), i.e. the insurance for the damage and injury that you may cause to third parties.
Insurance all risks: you are covered for all of the damage and injury.

Today, the insurers have expanded their offerings. You can also find on the market an insurance the third single (i.e. only civil liability), a third-party insurance more glass or even a third party with glass breakage insurance more fire etc.
Auto insurance all risks are also available with options such as including:

-The loan of the steering wheel: you can lend your car to a third party and still be covered. Generally, it must be careful because there is very often a deductible in this case there.
-The driver guarantee: it protects you for personal injury accident where you are responsible for. It is necessary, indeed, be aware that auto insurance does not cover you in such situation, is the driver who is in charge.
-Reduced by very many experts expertise procedures approved.
-Repairs accelerated through a large network of garages approved.
-Refund nine purchase prices: refund of the price of the nine during a period of time depending on the age of the vehicle.
-Guarantees of assistance: loan of a car during the disaster (failure or accident), towing the vehicle etc.

It must be noted also that the amounts of the exemptions may vary depending on the type of loss (theft, glass etc.); according to the insurers and the formula you have chosen. Feel free to use our car insurance comparison.

We must also pay attention to the car insurance guarantees. Indeed, disaster, you will be reimbursed at height to the argus (check with our free argus), either at the height of the value set by the expert, to the real costs caused by the disaster.

A little advice auto insurance practice: think well to read General and special policy conditions in order to have all the information on car insurance that you will agree and not to have surprises later. Many people do not; however, it is a very important tip. In addition, the law on the termination of car insurance has changed since 2005. Chatel Law requires your insurer to inform you that your contract expires before the tacit renewal of it (see our convenient Plug termination car insurance". If your insurer does not meet this obligation within a period of 1 to 3 months prior to the date of renewal of the contract you will have the option to terminate the contract without charge.

Given this complexity insurance companies have teams of statisticians that establish different prices to a quote for insurance car on the basis of the set of elements that is your 'profile '. We cannot explain how insurers calculate exactly a quote for auto insurance because too many elements are taken into account. On the other hand, we will try to describe in outline the main elements.

Remember on auto insurance:
What you should remember, is that auto insurance is the main product of insurance of your budget. Taking into account the complex mechanics of pricing and segmentation of insurers as well as the evolution of offers, make regularly a car insurance comparison both guarantees/franchises on prices. It is the best way to benefit from a good price while being well covered.