The broken glass guarantee covers the breakage or replacement of your screen. This guarantee is not extremely expensive and it is available from the formula to the reinforced third party. Be sure to check whether your contract covers rear-view mirrors with their mirrors as well as panoramic roofs, because some insurers do not cover these elements. The broken glass guarantee is often offered with a deductible of 0 €.
When replacing a plug, there may be a deductible which will be payable by you. On the other hand, repairs in a center approved by your insurer, you will not have to expect any costs. It will only need to meet certain conditions, the impact will need to be smaller than a € 2 coin and it should not be in line of sight.
Compensation is never immediate: the deadline for the loss to be definitively recorded is specified in the contract, generally within one month.
If the vehicle is found before the 1 month period has elapsed, the costs will be:
Recovery costs with the agreement of your insurer
The costs of restoration with an expertise and within the limit of the market value
For the theft cover to be triggered in the event of an attempted theft, the insured must be able to provide material proof of the attempted theft (forced lock, broken windows, dismantled anti-theft device, possibly testimonials, etc.) only the amount. of the restoration is compensated.
- In the event that the vehicle is found after the 1 month period, the owner can abandon or decide to buy the vehicle back from the insurer by reimbursing the amounts collected.
- The insurer may require the insured to install a GPS beacon to make it easier to find it. For cars priced over € 70,000, the insurer will still require the installation of this beacon.
- Beware of the false declaration that many people make to pay a few euros less for their insurance premium. If during subscription you declared that your vehicle was sleeping in a closed box and that at the time of the accident your car was parked in the street in front of you.
- You should know that unless you have taken out the express guarantee, valuables are not compensated. You should also know that some parts of the car are not guaranteed, such as the battery for example.
In the event of a claim, your bonus will not budge, however the insurers will catch up on your premium, so they will increase it.
All-risk insurance helps cover the damage you cause.
The all-risk formula:
This formula includes the same guarantees as the reinforced third-party formula to which we have added, the damage guarantee for all accidents and the replacement at new 24 or 36 months.
The all accident damage guarantee will cover the damage even if you are responsible. For example a typical case, you collide with a retractable bollard, you have the bumper damaged. The insurance will intervene for the amount of damage greater than the deductible. For example, you have a deductible of 150 € and the amount of damage is 300 €. The insurance will cover € 150 of the € 300 of the total amount of damage. The remaining 150 €, corresponding to the excess will be at your expense.
New replacement warranty
The new replacement warranty is available for new vehicles or vehicles that have been put into service less than 24 or 36 months, this period may be different depending on the company. That is to say that after a theft or total destruction of the vehicle, the insured will have the choice of:
• Replace the damaged car with a new vehicle of the same value;
• Or, reimburse the purchase price of the car.
To find out how to determine the right to compensation in a claim, you can click here.
If you want to know how to handle a car claim, you can click here.
You now have the basics of auto insurance.
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