Which car insurance to choose?

Which car insurance to choose?
auto insurance 2

When it comes to auto or motorcycle insurance, contracts are adaptable to all situations, all types of vehicle and just about all budgets. Thus, for drivers who know how to define exactly what they need, insurers can tailor-make.

Here are a few non-exhaustive examples of the possibilities offered today by companies or mutual insurance companies.
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Summary

    Exclusive driving
    Use of the vehicle for a fee
    Occasional driving
    Insure as a young driver
    Insurance per kilometer
    If the vehicle never drives
    Insure a collector's vehicle
    Auto or motorcycle insurance while traveling
    Insure a quad
    Insurance to participate in competitions
    Insurance for a car or motorcycle rally

Exclusive driving

This is a clause which can be added to the insurance contract and which states that the vehicle cannot be driven by anyone other than the insured or the main drivers. It is generally offered to very good drivers, who have a maximum bonus coefficient and wish to benefit from it even more. Because, for the insurer, allowing only one very good driver means very seriously reducing the risk of loss.

This has two consequences:

    As the risks are reduced, the overall price of the contract can be lowered;
    The insured can still exceptionally lend his vehicle, but at a higher deductible price.

Note that in the case of carpooling, you will not be able to lend your wheel to any of your passengers without incurring significant costs in the event of an accident.
Use of the vehicle for a fee

When an insured uses his vehicle for paid passenger transport, he must take out a specific contract. On the other hand, if he takes a hitchhiker or shares the gasoline costs with a colleague or a neighbor, in the event of a claim, his insurance contract covers all the damage provided for in the contract.
Occasional driving

The “regular drivers”, named in the contract, may occasionally let someone else drive the car or motorcycle. In this case, for all the guarantees of the contract to cover it, it must be declared to the insurer as an "occasional driver". If he is not a novice and his driving history is correct, it will not change the contract price.

Otherwise, in the event of a claim caused by this undeclared driver, the usual drivers will be considered liable for the damage; they will have to reimburse all or part of it at their expense… and will suffer the penalty.

If eventually this occasional driver becomes habitual, declare it as such to the insurer, so that it integrates it into the contract and guarantees it against all the damages it covers. Failure to do so may void the contract, due to bad faith on the part of the insured.

Finally, it is also possible to provide in the contract that the vehicle can be driven by anyone, without having to notify the insurer. This increases the price of the contract and / or that of the deductibles, but it also allows more flexibility.
Insure as a young driver

If you've just got your driver's license and bought your first car or motorcycle, you're going to need to make sure. However, this means paying an additional premium intended to compensate for the significant risks taken by the insurer, given the accident statistics of new drivers.

This additional premium can reach up to a 100% increase in the reference tariff. It is then reduced by half after each year spent without a responsible accident.
Supercharged and accompanied driving
Maximum supplement Normal learning Early learning
Upon subscription 100% 50%
After one year of insurance without accident 50% 25%
After two years of accident-free insurance No more premium No more premium