The breakdown assistance guarantee

The breakdown assistance guarantee

This guarantee covers two types of service: vehicle assistance and personal assistance. You will thus be repaired or noticed in the event of an accident or breakdown.

It allows you to be towed or towed in the event of a breakdown or accident.

Be careful, there may be conditions away from home (for example more than 25 or 50 km from home). If you want to be repaired, including from home, the warranty is often more expensive. A question to ask before!

In addition, the breakdown assistance guarantee may also provide for the repatriation of the driver and vehicle in the event of an accident or illness abroad. Whenever you travel, remember to always carry the contact details of your insurer and assistance service, as well as your contract number with you.
"All risks" insurance

In addition to compulsory civil liability, as its name suggests, comprehensive insurance includes all the guarantees listed above:

    The civil liability of all drivers of the vehicle, whoever they are;
    Bodily injury to the driver;
    Damage to the insured's vehicle following a traffic accident;
    Theft, fire, glass breakage, storm, natural and technological disaster, terrorist attack;
    Troubleshooting.

Legal protection of auto insurance

The various auto or motorcycle insurance contracts often offer an additional guarantee: legal protection. It must always be the subject of a separate contract even if you take it out at the same time as the vehicle insurance.
Definition of legal protection

Here are the different components of legal protection:

    Provide information to the insured on their rights regarding a dispute related to their vehicle;
    Intervene when there is a dispute between the insurer and the insured;
    Intervene in a conflict related to the vehicle, with a view to an amicable settlement;
    Cover legal fees in the event of a lawsuit.

The defense and recourse guarantee

This is an optional guarantee that is taken out with the legal protection guarantee of a car or motorcycle insurance contract. It commits the insurer to defend the insured who is the subject of an action for pecuniary damages before:

    Civil, commercial or administrative jurisdiction for damage caused to third parties;
    Criminal jurisdiction if you are sued for reckless injury or manslaughter.