How to choose your third party auto insurance contract?

How to choose your third party auto insurance contract?

Once your needs are well defined (budget, essential guarantees desired…), compare! The goal here is to put in competition a maximum of car quotes. You can of course start by requesting one from your home insurer, but don't settle for this offer! You risk missing out on "better" value for money elsewhere.

Obtaining auto insurance quotes (third party or otherwise) is very easy today, as the market is competitive. Most insurers allow you to perform a rate simulation alone online, directly on their site. However, asking for quotes one after the other takes time: you will have to fill in the same information each time, leave your contact details ...

The best solution in 2021 is therefore to go through an auto insurance comparator. The service is free, fast and anonymous: in a few minutes, you have access to a selection of the best quotes on the market, all from a single form!

Once you have several personalized tariff simulations in your possession, review in particular:

    The annual premium (and any additional premium if you are a young driver).
    The guarantees that may be included in addition to Civil Liability (those for assistance in particular),
    The level of deductibility. As with any other formula, the price of third-party insurance is largely impacted by the deductibles provided in the event of a claim.
    The procedures for declaring a claim,
    The value taken into account in the event of a claim (new, obsolete, etc.).

Subscription is very often possible online. The documents requested as well as the mode of transmission vary slightly from one company to another, but overall, you will at least need the registration certificate, a copy of your driver's license and your information statement. (unless this is your first contract).
Third party or all risk insurance: how to choose?

Whether you want to insure a new vehicle or change your contract, it makes sense to hesitate between third-party, extended third-party or all-risk insurance. Of course, if your budget is tight, you may necessarily have to fall back on the first solution.

Third party insurance is therefore aimed primarily at drivers on a tight budget. As we have said, young drivers also most often turn to this inexpensive solution.

Another case in which third-party insurance is ideal: if your vehicle has a low value and / or it does not run much. Old cars that have largely discounted or have a high mileage can perhaps do without theft, fire, vandalism ...

If you are a disabled or terminated driver, it will also be more difficult to find cheap car insurance. The third party formula seems here even more appropriate, unless you can bear a significant premium.

Conversely, if the value of your vehicle is high or if you simply want more extensive coverage (an individual accident cover for example), instead turn to an intermediate formula, or even to an all-risk formula if your budget gives you that freedom.

A burnt car, for example, will not be reimbursed by a third party insurance plan. For this, a fire guarantee will be required, which will increase the annual premium. It's up to you to see if this guarantee (like the others) is useful given the value of your car.