How to make quotes for all-risk auto insurance?

How to make quotes for all-risk auto insurance?

Once your needs have been determined, use an online comprehensive auto insurance comparator to provide a quote for this type of contract and get a precise price. Finding the best all-risk auto insurance with this tool is simple and effective!

All-risk auto insurance rates change depending on the coverage, but in all cases, it is strongly recommended that you take out the maximum plan in order to be covered for all incidents and accidents that may occur on the road. A claim can be very expensive compared to the premium paid.

In order to prepare the elements that your future auto insurer will ask you, simply follow this summary list:

    the date you obtained your driver's license;
    complete vehicle information;
    its date of entry into circulation;
    details of your auto insurance contract, if you already have one, including the expiration date, bonus-malus and claims for the past 36 months.

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How to cancel all risks auto insurance?
Termination of the vehicle contract before expiry

If you wish to terminate your all-risk auto insurance contract before the first expiry date, you just need to be in one of the following cases:

    a change of situation: possible within 3 months after the event to alert your insurance company using a registered letter;
    a donation, sale or transfer of your automobile: termination is possible the next day;
    theft or destruction of the vehicle: you have 10 days to inform your insurer;
    a higher contribution for no real reason: termination is possible between 15 and 30 days, depending on your contract;
    an insurance premium that has not been reduced, despite having met the necessary conditions.

Termination of auto insurance

Tacit renewal contract, that is to say, automatically renewed each year, its termination is possible on its expiry date without justification. To do this, all you need to do is send a letter of termination of your comprehensive auto insurance by registered mail to the professional concerned with a minimum of 2 months before the date.
The end of the all-risk auto insurance contract after maturity

Since 2005, the Châtel law has made it possible to terminate the all-risk auto insurance contract in two cases:

    when the insurer has not laid down the terms of termination of the contract in its notice of expiry;
    when the notice was sent less than 15 days before the end of the termination period or after. 20 days are allowed to request termination.

Finally, since 2015 thanks to the Hamon law, you can cancel your car insurance without penalties or justification once the first year has passed.

Just remember to take out your new contract before terminating the current contract to avoid illegality.
All-risk auto insurance termination letter: our free template

To properly terminate your auto insurance contract, you can use our free template termination letter and send it to your insurer with ease. Created in case you sold your vehicle, you can modify it according to your real needs:
All Risks Auto Insurance Cancellation Letter Template
Standard letter of termination of all risks auto insuranceDownload
Faq
Is it necessary to have auto insurance when my car is not running?

It is more than necessary to have auto insurance when the vehicle is not moving, it is mandatory. The Insurance Code and its article L211-1 state that any land motor vehicle that can be used must be insured. The automobile can indeed suffer a fire or explosion and cause damage to the surrounding area. In this case, an all-risk auto insurance can be substituted by a third-party auto insurance to hold the minimum coverage.
Is it possible to have temporary all-risk auto insurance?

It is quite possible to have temporary all-risk auto insurance, but more often than not, the coverage offered will be third-party coverage, including the mandatory minimum liability coverage. The duration of the contract will therefore be limited, 80 days for example.
Most of the time, insurers require the driver to have had a driver's license for more than two years and allow trips abroad, which may be suitable for a short weekend trip. The best thing is to compare the different formulas offered.
In addition, this term all-risk auto insurance formula may be suitable for an emergency situation, especially during a contract suspension or termination by your insurance company.