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What is third party auto insurance?
Third party insurance is the most affordable form of auto coverage. Even if it includes few guarantees as a base, this is the legal minimum to be able to drive on French roads. What guarantees are included in this entry-level formula? Who is it primarily for? How to find the best contract? Let's take stock together.
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Summary
Third-party auto insurance: definition
Third party auto insurance: what guarantees?
How much does third-party insurance and an all-risk formula cost?
How to choose your third party auto insurance contract?
Third party or all risk insurance: how to choose?
Third party insurance: responsible accident, non responsible… How does it work?
Third-party auto insurance: definition
Third party auto insurance is the minimum coverage required by law for any driver of a land motor vehicle. This principle is laid down in the Insurance Code: each owner must at least insure his vehicle to a third party, even if he never uses it.
In fact, it is the "Civil Liability" guarantee that is mandatory. This is also the main (and sometimes the only) guarantee of a third party auto insurance plan. All market contracts incorporate it. This allows you to be insured for material damage / bodily injury caused to a third party during a responsible accident. Third-party insurance will therefore apply if, for example, you cause a collision and damage to others.
Third party auto insurance is ultimately the minimum coverage to drive legally. In addition to this liability cover, the insured can opt for additional cover, if he wishes more extensive protection: glass breakage, theft, fire, climatic events ...
As we will see, there are several levels of cover between the basic third party formula and the famous “all risks” insurance. Almost all insurers offer "extended third party" plans (the exact name varies from company to company).
Even if this entry-level formula is "little" covering, it is the most affordable financially. It is aimed, for example, at young drivers, people on a tight budget or those wishing to insure a low-value vehicle.
Third party auto insurance: what guarantees?
As we've seen, third-party auto insurance includes liability coverage, and that's usually about it. If he wants to improve his coverage, the insured will have to opt for a higher formula or for "à la carte" options.
Some insurers still add a few basic additional guarantees in their entry-level formula. Depending on the contract taken out, it is possible that third party insurance covers, for example, natural disasters or includes assistance guarantees. Maif, for example, automatically provides repatriation assistance in all its forms.
You will understand, if you want to cover the theft of your car, third party insurance will not be enough. You will have to subscribe to an additional theft cover or switch to a higher formula (extended third party / intermediary or all risks). Likewise, very few third-party insurance cover basic glass breakage.
Each insurer has its own formulas. The main thing to remember here is that auto insurance is a largely customizable contract. A multitude of options are available (almost everywhere): protection of transported objects, 0 km breakdown assistance, etc.
Third party insurance can be supplemented with a cover for theft, broken glass, etc. Even vandalism of your car can be optionally covered by third party insurance.
By way of illustration, here are some of the main guarantees included in Axa car insurance plans:
Guarantee Third-party formula Extended third-party formula All-risk formula
Public liability
24 hour assistance
Criminal defense
Fire x
Vol x
Glass breakage x
Natural disasters x
Damage from all accidents x x
Axa auto insurance formulas guarantees
How much does third-party insurance and an all-risk formula cost?
Third party auto insurance costs, on average, between 450 and 600 euros per year for an "average" driver. This is of course only indicative. Depending on the vehicle and the profile, it will be possible to find a contract from 30 euros per month. Young drivers, who are subject to an additional premium, may have difficulty finding a contract for less than 100 euros per month. Third-party young driver insurance (the most common among this population of novice drivers) can indeed cost twice as much as for an experienced driver.
In terms of auto insurance, the third party formula is always the m
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