Vehicle model
Obviously, insuring a large displacement for the prestigious brand costs more than insuring a small "banal" city car. His age and level of equipment also count in the price of insurance.
The model and the displacement: the more powerful the vehicle, the more expensive it is to buy, and the more expensive it will be to reimburse in the event of theft. In addition, the power also increases the possibilities of driving too fast, and therefore the potential risk of an accident. All of this increases the cost of insurance, so you won't pay the same premium for an SUV as you do for an unlicensed car.
The age of the vehicle: the more recent the vehicle, the more expensive it is to buy, and therefore to reimburse if it is stolen. The same applies if it is old or rare (in this case, it is better to turn to an insurer specializing in vintage vehicles);
The equipment: leather interior and burl walnut, sunroof, aluminum rims, metallic paint also inflate the price of insurance for two reasons: they increase the overall value of the vehicle and if an equipment is stolen, it will cost dearly. refund.
In two-wheeler insurance, the illegal modification of engine power by the insured authorizes his insurer to refuse to reimburse costs resulting from an accident.
If you drive more than one type of vehicle, for example a car and a scooter or a motorcycle, ask your insurer to account for the same bonus coefficient for both.
Use and frequency of use
An insured person who uses his car or motorcycle every day to go to work, or even to practice his profession, is more likely to cause or suffer a loss than if he only uses it once or twice a week , only on a private basis. The use and frequency of use of the vehicle are therefore very important parameters in setting the price of an insurance contract: the higher the risk of loss, the more expensive the contract.
But in return, the coverage guaranteed by the contract will be well suited to potential repair or reimbursement needs.
Auto or motorcycle insurance contracts generally offer four possibilities:
Private trips;
Private trips and home / work trip;
Private trips, home / work trip, professional use;
Regular tours, for those who use their vehicle for customer visits (doctors, nurses, sales representatives, etc.).
In all cases, the professional use of the car or motorcycle must be clearly indicated on the contract. Otherwise, the insurer has the right to refuse to take charge of a claim that does not correspond to the declaration of the insured.
If exceptionally you have to use your personal vehicle to temporarily replace your company car, notify your insurer. He will adapt your contract to this temporary situation. Unless the employer's insurer provides this coverage. To do with both.
Please note that there are now insurance contracts whose premium is calculated per kilometer traveled: auto insurance contracts per kilometer.
For all basic formulas subscribed, you can take out additional auto insurance protecting you against theft, breakdown, etc.
The traffic area
Another parameter taken into account by insurers: the traffic area. Here again, the claims statistics speak for themselves: the risks of accident, theft or damage are not the same in town and country, in large metropolitan areas, in small towns or villages. Therefore, regardless of the place of residence declared by the insured, if the area where he will travel with his vehicle presents potential risk of loss, his insurance premium will be higher. And its coverage all the better for it.
The place where the car or motorcycle is parked is also a parameter that must be declared to the insurer. He will offer you a contract adapted to the risks of the vehicle, taking into account the garage resources available to you.
License cancellation and insurance
When the driver's license is canceled, it is best to immediately notify your insurer, if only to reduce the amount of the contract, if no other driver usually drives the vehicle. Indeed, only the guarantees of civil liability, and possibly theft, fire or glass breakage, remain interesting. But driver bodily injury or collision damage is no longer relevant: the insurer can therefore suspend it.
However, the cancellation of an insured's driving license authorizes the insurer to terminate the contract before expiry, if the contract so provides. The termination then takes effect one month after informing the insured.
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