Mandatory auto insurance guarantees
While third-party auto or motorcycle insurance is the minimum insurance, it still automatically covers some additional risks.
Towing a trailer or a caravan
The guarantee is granted free of charge and without prior declaration to the insurer, when the total weight of the trailer or caravan does not exceed 750 kg.
If you occasionally tow a broken down vehicle, your third party insurance also automatically covers you during the journey, should something happen. On the other hand, the damage suffered on this occasion by your vehicle, or by the one you are towing, are not covered. It will be up to you to finance the repairs ...
Auto accidents caused by transported objects
If the third party insurance does not cover the objects or animals transported in the vehicle, it does cover accidents caused by these objects, if they fall from the vehicle itself, from the trailer or from the caravan it tows.
Any damage caused by the transport of flammable, corrosive, explosive or oxidizing materials is automatically excluded from liability insurance. Therefore, if you have to transport this type of product, you will have to talk to your insurer, in order to possibly take out a specific guarantee.
On the other hand, you have the right to transport oils or mineral spirits, provided that the overall load does not exceed 500 kg or 600 liters (vehicle tank included).
Auto and vehicle loan insurance
Any third-party automobile insurance contract necessarily guarantees damage caused by the vehicle:
Even if it is not driven by the contract holder;
Even if the driver has not been formally authorized to drive it by the insured by notifying his insurer;
Even if it is a thief.
The aim is always to compensate possible victims of an accident and to protect a deceived or stolen insured.
On the other hand, if an insured lends his car or motorcycle to someone without telling his insurer, in the event of an accident, the cover will work well for the victim, but the insurer will turn against the insured to be reimbursed for the costs. compensation costs.
As part of a carpooling and to remain covered in the event of damage and / or accident, make sure that your contract includes the steering wheel loan guarantee: according to you, you ensure to be protected even if one of your passenger is at the wheel at the time of the incident.
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