Car Insurance : High savings for novice

Beginners can enjoy! Stiftung Warentest provides recently the reason: up to 3,000 euros savings in motor insurance waving a year anyone who wisely concludes his policies. But also for frequent drivers, ecological and negotiating artist financial advantages.

€3,000 For novice

According to the study in which 152 offers were evaluated by 74 auto insurers, are the highest savings in auto insurance for beginners. Who compares and completes a liability, as well as a partial cover insurance, can make up to 3,000 euros.

Several $100 savings

Not quite as high as for young car owners is the savings potential for frequent travellers, retirees, families and environmentally conscious driver, whose Fahrzeug accounted for less than 12 g / km CO2 emissions. They come from several 100 Euro discount in the best case.

Trend Internet

A recent Forsa poll shows also on behalf of the industry association BITKOM: the insured increasingly use the Internet to get an overview of the different offers of the car insurers. -9 Percent and thus twice as many people as in the previous year - completed online their contract. The tariff change mouse click is very popular by the way the 30-44 year-olds. Compare is fully in line with the trend. 31 Per cent of the insured find out online about new auto insurance and every seventh put his mark to bring a new insurance in place. Last year it was only every tenth person.

Tricks when changing

Who is happy actually with his current insurance, but has detected low rates for competitors, should negotiate. With some rhetorical skill, the original premium can be press if one carries the insurer the numbers and performance of the alternative provider in mind. Customers willing to change must comply with the notice period until 30 November. FinanceScout24.de helps the termination and also offers, comprehensive advice on finding a suitable car insurance.

Car Insurance : Investment consultation record can secure compensation claims

Have you ever checked on the basis of the consultation Protocol if an insurance broker has advised you correctly? That you should, because if in the event of damage, the insurance rejects the reimbursement, it is usually too late. Many policyholders underestimate the importance of the document and signed it in the consulting process after a flood of information rather absent-mindedly. Who however considered the form such as a headache product leaflet can walk into the trash unread, which is wrong.

A meticulously-run log in the insurance consulting can either protect from nasty surprises or secure the claim for damages. The latter must be enforced until legal action, should feel the customer wrongly advised and an omissions of the broker be detectable.

A good agent should bring not quickest possible trades, but the optimal insurance coverage give its customers with individual advice. He determined the situation, wishes, goals and the need for any interested parties. Usually, he documented all of this figures in the investment consultation record.

Black sheep

Customers should be nice if the mediator proposes, keeps the counseling part to skip them or giving them a waiver under the nose. Because even among insurance brokers, there is like everywhere - black sheep. To use nothing but is legal - consumer advocates but strongly discourage from. "Customers lose their entitlement to compensation", so Peter Grieble of the Verbraucherzentrale Baden-Württemberg.

When the "insured" occurs long thought to be paid and the insurance company refuses to pay, it is helpful if the policyholder the broker can prove that he has advised poorly or incorrectly. Only in this way he may assert claims for damages.

The car insurance customer plans, for example, a journey by car, the agencies in the framework of the consultation must ask the objectives. He omits that and sold a policy just for the EU area, he is responsible, when the policyholder in Turkey comes to harm. If the customer is able to prove the failure of the agent, he is on the safe side.

Clear advantages in the online consultation

Compared with the Treaty process with the broker, the online consulting option offers several advantages. The customer has at the outset the possibility of an independent comparison portal like FinanceScout24.de between many providers to choose. The first General input from the exact scope of the relevant insurance product to specify of the personal data, the user can monitor every step and hold itself by expression. So, he gets maximum transparency over the course of the consultation. Established broker is also the obligation to document the extent of personal advice, but this is often not as accurate as in online sales.

Who decides according to the objective comparison on FinanceScout24.de for an insurance policy, will receive an investment consultation record that lists all details, conditions and details of the Treaty at the conclusion of the contract. The customer should store well sorted and hand these documents to seek not long in the insured event.

Car Insurance : Cheap to insure several vehicles

The times, in which almost all households had only one car, long thing of the past. A personal and flexible mobility is self-evident for decades. When their children are of legal age, the number of household own vehicles is increasing rapidly. But also couples without children increasingly use one of two cars - for the work, the other about shopping and other errands. That wants to be optimally hedged - learn getting two or more vehicles optimal under a hat.

Second car

Old proven and with the car control is best known: two vehicles are available with the same provider in a joint police - with the car in its initial classification can be given mostly a better damage freedom class and thus a larger no-claims bonus. In addition, some insurers provide additional discounts on the second car.

This benefits many parents to cheaper to classify the car of her child. If the son or daughter would like to accept the insurance at some point, the damage category can be transmitted most easily. However, are here to note two stumbling blocks: guardian and child a relationship must be between first-degree - beyond the discount only at the height can be taken, "can learn how the child would have him since the receipt of the own driving itself". The driving licence is only a year old, a classification SF class 1 is possible so maximum even if about the father would have reached already SF class 10 with the second car.

Individual insurance

But not always drive with the second car control more affordable. Depending on the type of vehicle and insurance one comes away also times better circumstances when each vehicle with another provider is housed. Ultimately, it is always on the individual case. Therefore: Zweitwagen-or individual insurance - leads on the right track only a comprehensive comparison as many vendors and offerings.

Fleet insurance

There were until recently only for companies and self-employed persons who have a certain minimum amount of vehicles fleet or fleet insurance. Since October 2010 offer the ADAC and the Zurich insurance but a model to that of fleet insurance is very similar to: the family insurance. All vehicles of a household can be combined with an insurer - everyone gets his own police with "their own" damage freedom class here, everyone pays his own contribution and all have same contact person. The decisive advantage: More and more vehicles are insured, the lower is the classification, allowing savings of up to 12 percent per vehicle.

Change indicator

A "slimmed-down" version of the second car scheme is the introduction of the change indicators planned for 2011: up to three vehicles can be reduced almost in the guise of an insurer on a flag. Only for the each most expensive vehicle, insurance premiums and taxes will be charged. The idea in the Switzerland and Austria several years ago for the first time introduced originally stood the environment at the forefront, because only the vehicle with the "insured" indicator must be - moved thus one reason why this model rather represents an option for individuals who are in possession of several vehicles. In return rather an obstructive model, when the cars of kids cheap insurance should be. In addition less organic but rather economic interests in the foreground stood in Germany, as the change indicator for 2011 has been scheduled: after the decline of the automotive industry by eliminating the cash for clunkers, consumers should now be motivated to purchase a second.

Car Insurance : Car in the flood - what now?

Each flood disaster many cars "perish". But not always becomes a total loss. For very important people: Considered action! Fully comprehensive or partial cover insurance insured can have mountains while their vehicle in most cases and fully repaired - unauthorized moving of the vehicle from the scene of the accident can however significantly increase the damage or result in the loss of insurance coverage.

Practical advice for victims

Even if your vehicle is no longer available under water, you should try never to start the engine. The risk that water has entered into the engine what would cause to start a so-called "water hammer" is too big. The damage caused is many times greater than the minor damage caused by contact with water. Already the turning of the key in the ignition can cater for short circuits or extensive losses in the electronics of the vehicle. Even if the engine first starts, the oil mixed with water can cause a piston seizure or damage to the crankshaft.

Sand in the gears

The Central Association of German motor vehicle trade (ZDK) recommends that victims, to tow her car without starting attempt or their own repair efforts in the nearest garage and to seek advice there, whether is worth a "draining". This is first and foremost by the residual value before the flood off and the vehicle "submerged" was how deep. It is also of great importance, as polluted water was: in many places fine sand can accumulate in highly turbid water – especially in the engine compartment, these pads quickly lead to capital losses. For the Interior, there are professional methods to eliminate the water damage.

What does the insurance?

We have already mentioned the damages incurred through improper initiative – apart from Casco customers risk even their insurance coverage! The comprehensive insurance pays only damages resulting from direct exposure of the water or by natural forces on the car. These include all damages which are caused by "Washing away" of the vehicle or the vehicle reaches items. Also, any damage caused by the water itself, such as the Interior or the "sand in the gears" are applied.

If your car suffers an engine failure because you wanted to move it as mentioned above from the flood or after the flood, as it involves an "indirect" damage that therefore belongs to gross negligence. Here, your comprehensive insurance basically makes close the locks. The same applies if you try to drive through deep water or the car despite explicit flood risk has been in a flood-prone parking lot. Here, also any liability by the owner of the parking lot - is even if it is a rented garage or a hotel parking lot.

Car Insurance - Carnival: Foolishly Yes, but please not foolishly insured!

The Carnival and Carnival days a lavish celebration are available at the door, and with them. Costumes, parades and revelers people wherever the eye looks. But here are also many dangers. Who with mask or drink-driving is caught, discovered damage to the vehicle after a parade or caused an accident when moving or itself suffers, for joy is over quickly - especially if he is not sufficiently insured. We want to help you that you come well and safely through the holidays.

On Rosenmontag, are the streets celebrating re-filled his fool time millions of people with losers, masks, wigs and costumes - omitted and cavort in the processions and parades through the streets. At the latest since the parade in Duisburg love we know but that such major events a lot can go wrong.

Carnival parade: Directions and parking

Car owners should refrain rather with your vehicle by streets, where carnival parades take place - just in the Carnival stronghold here caution is Mainz, Düsseldorf or Cologne: who aims his car on the road or in the vicinity of a move, has bad cards on adequate compensation if the vehicle afterwards has been scratches, dents or other vandalism damage. It is almost impossible to identify the perpetrators or the, on the other hand also your Casco insurance is reluctant to pay full damage, because: the parking in a such danger is considered grossly negligent act.

And in other ways it can be uncomfortable: just when the streets are full of wild and rollicking mood, a regular parking can sometimes become an emergency escape route for emergency vehicles. If your car is towed away or comes to damage, because it is a rescue operation at the wrong time in the wrong place, it is really expensive. Even for heavy handicapped parking spaces, there is no special treatment during Carnival celebrations.

Mask at the wheel

Without necessarily wear masks or bulky costumes behind the wheel. These can significantly affect the vision, hearing and movement. What may sound like first terse, can carry far-reaching consequences: who is fully costumed in a police check, faces punishment at least ten euros, depending on the degree of negligence. Even with the motor insurance is here not to be trifled with: an accident is in any case more closely, examine the disguise that was cause. In addition, you risk your collision damage waiver protection for grossly negligent act. About simple losers you need to worry of course.

Our comparison calculator shows you more about prices and scope of services of insurance.

Drinking and driving

Omitted celebrated well eaten, good drink, a good successful evening - even if the last beer is somewhat longer, tends to easy to overconfidence in the good mood and feels more sober than the Alcohol Tester will tell the police in controlling circumstances. We want to cut off course the tie anyone - but still no shortage accidents under the influence an excerpt from the fine catalog there, as a reminder again:

Who is caught with 0.5 or more per thousand in the control of the police, gets at least 500 euros penalty, four points in Flensburg and at least a month of driving licence withdrawal.

Who behaves remarkably, must deliver for half a year or even longer his licence may from 0.3 per thousand. In addition, there is a fine.

The limit to the absolute Swiss is 1.1 per thousand. Who is involved in a such a high alcohol content in the blood from the market, must give at least six months on the driver's license, gets four points and a mostly four-digit fine.

Also the residual alcohol should not be underestimated: who all too deeply into the glass look has, "Not the subsequent night heals the" often also. The human body breaks down about 0.1 per thousand per hour – at 1.0 percent, it will take at least 10 hours, until the revelers is again ausgenüchtert. If he is then already roadworthy despite hangover, is another story.

Damage in carnival parades

A cocktail is spilled on the expensive costume of the neighbors quickly and even the noblest cigar Havana can burn a hole in the suit of Mitfeiernden. Without personal liability insurance should not going though anyway through life--just the foolish days this protection of gold is worth. As long as damage is done intentionally, the liability insurance for self-caused damage to property and personal injury comes up. But in particular, with regard to negligence, is to enjoy the legal situation of excessive alcohol consumption with caution: who gets drunk in a brawl, can not hope to support his private liability insurance. Here is decided despite the clouded judgment frequently on intent.

Also the operator and participant of the parades will be secured: the Organizer liability protection is therefore indispensable for organizers of Carnival rides. These are smaller parades, usually also the existing association liability insurance is sufficient.

Animals on carnival parades

Who wants to leave his dog not alone at home, but take him to the Carnival, which should it either muzzled create or better yet: complete dog owner liability insurance. Responds to the crowds of the four-legged stressed and bites a Mitfeiernden, the insurance for the pain and suffering.

The same applies to the page of the Organizer: If some horses accompany the move and flee or violate viewers in panic, comes the horse holder liability for the damage.

Accidents during carnival parades

Also, one can be sure as visitors not from accidents: If the masses through the streets, dancing and swinging, a crash is happening quickly. Even if the candy in the crowds are thrown from the car of the Rosenmontag parades, can "what the eye go". So even a well-meaning panel turns out chocolate to the dangerous level. In such cases, not the liability of the Organizer on pain and suffering cannot be prosecuted – what helps is a private accident insurance. This protects not only before the eventuality of a Karnevalsumzugs, but throughout the year for all leisure activities.

If it is too loud

Who among the "Carnival muffles" and the whole noise and roar of the hot phase of the Carnival to start nothing white, should better equip themselves with earplugs or fleeing: carnival parades are regarded as a kind of State of emergency, which it is not as accurate legally taken with volume levels and rest periods. However, you must have not fallen as local residents. Whether it comes to clarify a claim to an accident or other inconveniences, which lead to a dispute - who does not want to remain seated on the costs of the proceedings, is completely covered with insurance.

Auto and disability insurance

Auto insurance which concern vehicles adapted to the conduct of persons with disabilities is often more expensive than conventional insurance.


Get his driver's license in the event of disability
His permit when you are disabled is not always obvious thing. Indeed, beyond the difficulty of proof of the license itself, it must also pass a medical commission, which will decide if you are able to drive a car. According to medical data, it may issue a temporary or permanent permit.

The change of cars
Once the permit is obtained, it should also acquire a car that meets the needs of the disabled person and allowing him to drive. It's often make costly changes to the vehicle; the cost can exceed the price of the vehicle. It is generally adapt the wheel using 'joystick' to pass speeds for example and braking, it is also to develop a new door that allows the driver to enter and exit more easily. GEFIPH (Association of management of the Fund for the professional integration of people with disabilities) and the CDAPH (Commission on rights and the autonomy of persons with disabilities) are two agencies that are responsible for assisting persons with disabilities for the funding of this type of changes.

Higher insurance premiums
Most often, people with disabilities will have to pay a more expensive than normal insurance premium. Insurers justify this price rise due to the costly changes to the vehicle. The contract is, moreover, often with mandatory safeguards that increase a little more note.

A change put in place
Facing this situation, some insurers have decided to reverse the trend and to provide to persons with disabilities of the insurance contracts whose price is comparable to conventional contracts. They also put in place a series of measures on the basis of disability, whether O mile assistance or adapted failure car loan.

Auto insurance: what are the most expensive car colors?

This is not a myth; some colors of cars may push up the price of your auto insurance.


Colors to avoid
Bright or garish colors are the colors to avoid if you want to lower the price of your auto insurance. Red and all colors that might be described as flashy are therefore to be avoided. Prefer more neutral colors, such as gray, black, blue, standard colors which can however reduce the insurance premium rating.

Statistical reasons
Insurers have not decided overnight that they didn't like poppy red or yellow chick. This state of fact actually statistics follows. Indeed, according to the latter, in garish colors cars have more accidents than cars with more basic and more neutral colors. Should we connect this to the fact that bright car drivers are poorer drivers than drivers of cars in neutral colors, why not! Thus, with a car, you may pay more for your insurance, but you pass unnoticed on the road.

A trend that disappears bit by bit
Today, fewer and fewer companies insurance rely on the color of your car to calculate your insurance premium. Insurance generally seek the brand, the model, the power, but the color is always a key factor. Only some companies will let you pay more if your car is red. You compare quotes and see what you require insurers, if you want to drive a red car without paying the price!

Auto insurance: can I return on a report?

Complete a report request time and attention to detail, which is not always evident as a result of an accident.


Good reflexes in case of disagreement
In an accident, you are required to fill out a report with the other party. If both parties agree on the circumstances of the facts, they can sign the report before sending it to their insurer. On the other hand, in case of disagreement, especially do not sign the statement. Indeed, it will be very hard to get back on your statements. If the other driver attempts to force the hand of you, do not sign so far and the need to contact the police.

Check the signs left by the other driver
Some dishonest drivers may very well indicate false comments on the observation, or incorrectly indicate their name, their license plate number, driver's license. A check and ask the driver to show his papers.

Back on the once-signed statement
Once signed, it will be very difficult to return to the observation. If it is possible to prove that the other party has lied through damage to the car, your insurer may then support your remedy and attack the other party. Without evidence, most often, you will unfortunately no use. Hence the importance of the witnesses. If people were witnesses to the accident, be careful to keep their contact information and to indicate their name on the report. You will then be able to rely on the testimony of the latter to demonstrate the responsibility of the other driver.

Car insurance: when the car becomes a wreck

A result of an accident or theft, your car may be declared by the expert as being a wreck. However, you have the opportunity to challenge this opinion.

What is a wreck?
A vehicle is considered as a wreck in two cases. First, when the cost of repair is greater than the value of the car on the market. The car is then declared as VEI, i.e. vehicle economically irreparable. Secondly, your car can also be completely irreparable given its State and will then be declared as TNR, which means technically non-repairable.

Challenge a wreckage layout
In the case of economically irreparable vehicles, it can happen that you are not in agreement with the decision of the expert. For example, your car can be estimated at EUR 1000 and if the repair costs are in the order of EUR 1200, your preferred insurance pays you your compensation, rather than repair the car in question. However, for you, this can cost you much more than the difference, because you then need to buy a new car. You can challenge the decision of the expert. You have 30 days after the issued expert report. Without a response, your insurer deems that you refuse implementing wreck of your vehicle.

To challenge the wreckage layout, you can for example provide less important quotes from other garages and that you would be estimated below the price of the car. You can also request further expertise by providing evidence of proper maintenance of the car and the repairs already made previously. You can even ask for a second opinion or through judicial expertise.

Accept a wreck
If you accept the implementation proposed by your insurer wreck, you'll have to provide him with the keys, the gray card, the certificate of sale and any other supporting document requested by the insurer. It is the company who will then the assignment of your vehicle wreck to an approved professional body.

Auto insurance: green card and certificate of insurance

The green card and the insurance certificate are key elements of your auto insurance. They are proof that you ride in provided.


What is the green card and the insurance certificate?
When insure your car, your insurance company will send you what is commonly called a green card. It decomposes in reality in two, with one side the certificate of insurance and the other your certificate of insurance. Certificate of insurance, it is the green card which you affixed to the windshield of your car. It is proof that you ride in provided. The insurance certificate is the paper, still green, should include your name, the name of your insurance, its validity date and the information about your vehicle, namely registration, make and model.

Travel insured
On the back of the green card, list of countries where you can ride while still provided by your insurance company. No need then to a new temporary insurance if you cross one of its countries with your car. Before you go on holiday abroad, check so that your vehicle is insured in the country.

Your obligations in the event of police control
If you are stopped by police, the police will verify that your coupon, certificate of insurance, is present at the level of the windscreen. They also ask you your certificate of insurance or green card, in order to check that the data entered are in concordance with the car. Don't forget to sign your certificate of insurance. To be valid, the card must be signed. Otherwise, the police can you verbalize and draw up a PV of the order of 60 euros. So if this is not already done, don't forget to sign your card!

Thunderstorm, rain, hail: your car is insured?

How to know if your car is assured in the event of bad weather? Have good reflexes auto insurance.

The guarantee according to the contract
At a time where the elements tend to befall on the France, it is time to ask the right questions about your protection against the weather. In fact, rain, hail and storm can cause damage to your vehicle. If you have purchased a warranty all risk, you shouldn't be too worried. Not the elements might fall you on your head, but you will be reimbursed for the damage affecting your body. For all types of contracts, if you subscribe to the glass breakage warranty, everything concerning the repair of the windshield and glass will be refunded. In all cases, will need to subtract to your benefits of repair franchises, according to the amounts indicated on your auto insurance policy.

Security storm and guarantee natural disaster
Some damage caused by weather such as rain, snow and wind, are not necessarily guarantee natural disaster. Indeed, the State of natural disaster is decided by the State. If you have damage caused by weather unless a natural disaster was declared, so you will need to refer to your warranty called "Storm". Reimbursements and deductibles will then not the same. Indeed, natural disaster declared by the authorities, Act fixed the franchise to 380 euros. For damage suffered as a result of rain or wind, the franchise can be higher. In addition, you will have 5 days to report your claim to your insurance company, where you in 10 natural disaster.

Car insurance: immediate auto insurance

You need immediate insurance after an accident or for a temporary need. Where to find them? What are the conditions?


One generally speaks of immediate auto insurance for insurance whose subscription is immediate, it must respond to a specific and urgent need or whether it is temporary car insurance.

Immediate insurance by an insurance comparer
In its first acceptance, the immediate car insurance allows the Subscriber to be covered in the day. Therefore, the issuing of the green card or certificate of insurance which is immediate.

To get immediate auto insurance, the easiest and fastest way is to go through a car insurance comparer. In addition to being free, these websites allow an immediate subscription online, made possible by a redirection of the user to the website of the insurance company that interests him.

At the end of the subscription online application, the user directly receives his certificate of insurance electronically and it is thus and therefore considered as being insured, i.e. it can take the wheel.

Immediate temporary car insurance
The immediate auto insurance term is sometimes also used to refer to an immediate subscription to a contract subject to a specific and urgent need.

It can especially be the need for immediate coverage to retrieve a vehicle insured, purchased in the auction or an individual. Immediate temporary insurance may also be necessary for a covering of a vehicle stopped by the police for example.

With a duration ranging from 1 to 90 days, temporary insurance is increasingly proposed by automobile insurance companies and in particular those who have developed an insurance online offer.

Car insurance: auto insurance in the third: what are the guarantees?

Discover auto insurance coverage to the third party. Article L211-1 of the French insurance code, every driver shall, to move his vehicle, be covered by insurance guaranteeing civil liability, also known as auto insurance in the third.

Compulsory legal minimum, third-party car insurance covers as the name suggests the third parties to which the driver would have caused damage.

The guarantees of the third-party insurance database
According to article 1382 of the civil code, "any act human, causing others harm, requires that the fault of which happened to repair. '' This is called the principle of civil liability.

Insofar as the driver of a land motor vehicle can cause damage to others, others agreeing not only to another driver but also pedestrians or passengers, it must ensure its civil liability.

In this way, victims can obtain compensation for their damages on the part of the insurer of the driver responsible for the accident. The interest of the civil liability or auto insurance in the third is therefore first and foremost to support the material damage to other vehicles and injury caused to third parties (pedestrians, passengers, another driver, and cyclist).

Good to know: the third party insurance does cover or damage to the driver or those caused to his vehicle.

Third-party car insurance: sometimes more coverage
Although this is a general rule, it is rare that insurance companies limit coverage of auto insurance contracts only liability.

Happens so regularly enough that they provide insurance to third parties, legal protection and a form of assistance. Some insurers also include ice-breaking security.

Attention however, you should always check what are the guarantees that cover you in your auto insurance to not have bad surprises

How to terminate his car insurance?

Your auto insurance is generally contracted for one year with tacit renewal of it every year. Since January 2005, the Chatel Law requires insurance companies to inform you 15 days minimum before your contract expires to the new amount of your insurance premium. If your insurer does not send you this notice in writing, you can end this contract within 20 days from the date of tacit renewal.
Through the Chatel Law, you also have the possibility to cancel your contract if the insurer has decided to modify its prices or terms and conditions without notice to you. Same after a disaster that you're responsible or not. In this case, should send a letter of termination auto insurance with acknowledgement of receipt at your company.

You also have the possibility to break your auto insurance in the 2 months before the expiry of your contract by sending a registered letter of termination insurance auto with acknowledgement of receipt to your insurer.

Certain circumstances allow you to cancel your contract as auto insurance: change in employment status, unemployment, moving, matrimonial (change your marriage contract, divorce, widowed, wedding etc.). In this case, should be there prove that this change has a real impact on your insurance contract. Need to send to your insurer a letter of termination with AR auto insurance explaining the impact of this change in marital status on your auto insurance policy.

Cancellation insurance: key points to use the Chatel Law
To see how this works, let’s remind you 3 key points on your insurance contract:
-Due date: date which your contract is automatically renewed by tacit agreement (i.e. a year after having been contracted).
-Date of notice: date from which you can no longer cancel your contract. Generally, the notice is 2 months for most insurers. If your contract has a due date to December 1, the date of the notice will be October 1.
-Notice: document sent by your insurer with the amount of the new insurance premiums for the coming year.


The law requires your insurance company to remind you with the notice of expiry date (date of the notice) allowing you to terminate. If the notice of expiry is sent less than 15 days prior to this date (the date of the notice) or after this date, the insured must be informed that he has 20 days to terminate the contract. In addition, the law protects you by including a provision in the case of information. You can terminate your contract at any time by registered letter termination insurance auto with acknowledgement of receipt.

How to use the Chatel Law?
You must check on your last annual notice of expiry if the reference to the law Chatel is present and what date you received this notice.

Once you have verified these points, you have 4 possible situations:

-Your notice was sent more than 15 days before the date of the notice and does not include the mention of the Chatel Law: you can cancel your insurance at any time by registered letter with acknowledgement of receipt.
-Your notice was sent more than 15 days before the date of the notice and includes the mention of the Chatel Law: you can terminate your insurance only by registered letter with acknowledgment of receipt in accordance with the period of notice (generally 2 months).
-Your notice was sent less than 15 days before the date of the notice or after this date and includes the mention of the Chatel Law: you can cancel your insurance only if you are still in the period of 20 days defined by Chatel Law.
-Your notice was sent less than 15 days before the date of the notice or after this date and does not include the mention of the Chatel Law: you can cancel your insurance at any time by registered letter with acknowledgement of receipt

Last Council auto insurance cancellation:
According to Chatel Law, resiliation takes effect the day after the date of the mailing. Attention therefore to be provided the following day, many people think that their insurance runs even on a delay of a month, but this is not the case. So, be sure good to have found another auto insurance before sending your mail.
If on the contrary, your insurance has terminated your auto insurance and you have trouble you sure, consult our convenient cancellation insurance auto.

You wish to cancel your insurance; it is time to compare prices of insurance, to compete. Do not throw you on the first offer, made the tour of the market.

Car insurance: official auto insurance

What are the advantages of dedicated employees auto insurance? Today, many insurance companies offer contracts tailored to the sector of activity of the driver. Officials of the public service thus do not escape the rule and can sign a contract taking into account the requirements of their status as civil servants.

An insurance company, AMF insurance, presents itself as the insurance dedicated to all officials.

Guarantees adapted to officials
In general, the added value of auto insurance especially dedicated to public service lies in coverage of the vehicle travel professional and this, without an additional fee is required.

To attract customers, companies will also sometimes offer more attractive rates for officials or erasure of the premium of insurance for young officials.

In addition, insurers so-called generalists, i.e. those who did not have insurance for their core business officer, are just as likely to provide advantageous contracts for staff members.

Compare the official car insurance
Given that the price of the car insurance is based on a number of criteria and not only on the status or profession, it will be always in the interests of the agent of the public service, as in the interest of everyone else, compare offers through a car insurance comparer.

As it is not easy to know in advance the insurers that offer advantages to customer’s officials, the use of a comparator of insurance is often needed to make his choice.

Auto insurance: insurance low mileage car

Today, insurance adjust their contracts to "little wheelers". It is increasingly common to see offer car insurance at discounted price for mileage not exceeding 8000 annual km. Some insurers will also to consider the driver who travels less than 12,000 miles per year as a small rider and can therefore offer appropriate contracts.

Auto insurance in kilometer
Usually most economical insurance at kilometer is, as its name suggests, calculated on the number of kilometers actually travelled per year. Designed for the small rollers, this form of auto insurance works on a prior declaration of the number of kilometers travelled by the driver.

It then undertakes not to exceed the number of kilometers agreed with the insurer. Emphasis is placed on the strict respect of the initial commitment because if the stated mileage is exceeded, the financial consequences can be very heavy.

It is widely recognized that insurance km allows savings ranging from 10-35% compared to a traditional car insurance formula.

The Pay as you Drive
Variant of insurance per kilometer, the Pay As you Drive (pay as you drive), form of auto insurance that just right of the Anglo-Saxon countries, is to install an electronic in the vehicle so that the insurer can refer to the number of kilometers travelled and establish the tariff of the insurance contribution on the basis of this.

Pay as You Drive enables the insured to save between 12 and 40% on the price of its automobile insurance.

Car insurance: ensure a fleet of vehicles

Think about fleet insurance when you have several vehicles. While it was available so far that only companies, fleet insurance is now available to individuals. Zoom on the advantages and disadvantages of this type of insurance.

Ensure a fleet of vehicles means the possibility offered to the driver for several vehicles, generally at least three with the same insurer.

A single contract of insurance for several vehicles
Although this is a rule, sometimes quite to own a car, a motorbike and a camper which is the main driver.

However, instead endorse specific contracts of insurance for each of these vehicles and thus accumulate similar liability guarantees, some insurance companies offer unique contracts covering all vehicles.

The first advantage of these 'insurance for fleet», originally reserved for companies that provide their employees with vehicles function, is of course the amount of contributions paid by the insured person.

Bonus-malus insurance with no fleet of vehicles
A fleet of vehicles for business insurance does not know the coefficient of reduction-increase, so-called bonus-malus system. At the same time, when it is granted to an individual, insurance multi-vehicle does not take into account this bonus-malus system.

This means firstly that the auto insurance premium is recalculated every year based on reported claims and on the other hand, that the insured loses his bonus. In other words, for all insurance auto individual future, the insured cannot avail themselves of a bonus accumulated on the fleet insurance.

Car insurance: insurance for high range car

High range car owners must take out special insurance. Discover the reasons and the guarantees of the specific contracts! More and more auto insurance companies now offer contracts specifically adapted to the luxury vehicles.

For information, insurers consider vehicle of luxury or upscale, cars of which the purchase price exceeds €30 000.

A formula of specific insurance for luxury cars
While the Act imposes on the driver of land motor vehicle insurance to the third party to ensure its civil liability for damage caused to others, driving a high range car forced to choose a form of insurance much more extensive guarantees.

In fact, more powerful and rarer than an entry-level car, the luxury vehicle represents a level of risk for insurance companies.

Between the risk of flight and difficulty finding replacement repair parts, it seems necessary to turn to a specialist insurer for failing to pay a disproportionately expensive subscription.

Some options become mandatory
It is very common that the driver of a vehicle to be impose subscription to options required by the insurer.

Electronic security tracker GPS system, passing through overnight in garage parking mode, adding these options constitute a prerequisite condition the subscription of the contract. In other words, improperly called options, these are not since they must necessarily be provided by the driver.

Moreover, if the value of the vehicle is greater than 75 €000, then it is considered to be a vehicle of exception. If this is the case, it is imperative to turn a dedicated insurer.

Car insurance: insurance auto for hybrid vehicles

Are hybrid vehicles car insurance really advantageous? It is more common today until the owner of a hybrid vehicle is proposing a contract of automobile insurance specifically adapted to this particular type of motorization.

More environmentally friendly in that they combine a combustion engine to an electric motor, cars hybrids are generally cheaper to.

Hybrid cars, of different vehicles?
It is public knowledge that hybrid vehicles are, due to the combination of both engines mentioned above, less polluting and more economical. Indeed, not only hybrid cars emit less CO2 traditional cars but they are more less fuel consuming.

These two benefits were taken into account by the State on the one hand, who continues to encourage motorists to opt for buying a cleaner, whether hybrid or all-electric vehicle, and by other auto insurance companies who are more likely to offer contracts for this type of vehicle.

Hybrid vehicle insurance is less expensive
The two above benefits can also find lower hybrid car insurance rates to traditional cars. Indeed, there are many insurers that apply preferential rates to owners of clean cars.

Thus, it is more and more common that the driver of a hybrid car model benefits from a reduction in its auto insurance premium.

Auto insurance: Tips

The choice of his auto insurance is still a complicated Act because there are many insurers and especially many different offers.


Indeed, auto insurance is usually the sinews of war by insurers that compete in communication and marketing techniques to better to seduce you. Car insurance benefit from various 'packs', guaranteed, given various, and other elements that fit into account in the calculation of the price of your auto insurance.

Here are some tips for choosing your auto insurance. There are several formulas that vary according to the insurers to perfectly meet your needs.
In General, you will have the choice between two main options:

Third party insurance: it covers only liability (RC), i.e. the insurance for the damage and injury that you may cause to third parties.
Insurance all risks: you are covered for all of the damage and injury.

Today, the insurers have expanded their offerings. You can also find on the market an insurance the third single (i.e. only civil liability), a third-party insurance more glass or even a third party with glass breakage insurance more fire etc.
Auto insurance all risks are also available with options such as including:

-The loan of the steering wheel: you can lend your car to a third party and still be covered. Generally, it must be careful because there is very often a deductible in this case there.
-The driver guarantee: it protects you for personal injury accident where you are responsible for. It is necessary, indeed, be aware that auto insurance does not cover you in such situation, is the driver who is in charge.
-Reduced by very many experts expertise procedures approved.
-Repairs accelerated through a large network of garages approved.
-Refund nine purchase prices: refund of the price of the nine during a period of time depending on the age of the vehicle.
-Guarantees of assistance: loan of a car during the disaster (failure or accident), towing the vehicle etc.

It must be noted also that the amounts of the exemptions may vary depending on the type of loss (theft, glass etc.); according to the insurers and the formula you have chosen. Feel free to use our car insurance comparison.

We must also pay attention to the car insurance guarantees. Indeed, disaster, you will be reimbursed at height to the argus (check with our free argus), either at the height of the value set by the expert, to the real costs caused by the disaster.

A little advice auto insurance practice: think well to read General and special policy conditions in order to have all the information on car insurance that you will agree and not to have surprises later. Many people do not; however, it is a very important tip. In addition, the law on the termination of car insurance has changed since 2005. Chatel Law requires your insurer to inform you that your contract expires before the tacit renewal of it (see our convenient Plug termination car insurance". If your insurer does not meet this obligation within a period of 1 to 3 months prior to the date of renewal of the contract you will have the option to terminate the contract without charge.

Given this complexity insurance companies have teams of statisticians that establish different prices to a quote for insurance car on the basis of the set of elements that is your 'profile '. We cannot explain how insurers calculate exactly a quote for auto insurance because too many elements are taken into account. On the other hand, we will try to describe in outline the main elements.

Remember on auto insurance:
What you should remember, is that auto insurance is the main product of insurance of your budget. Taking into account the complex mechanics of pricing and segmentation of insurers as well as the evolution of offers, make regularly a car insurance comparison both guarantees/franchises on prices. It is the best way to benefit from a good price while being well covered.