Compare different car insurance offers

Factors influencing the car insurance premium

Many factors influence the pricing that insurance companies offer their clients.
In addition, each company can appreciate the same risk differently.
These differences between the rates of insurance companies justifies the existence of our site whose object is to bring you the best offers of car insurance corresponding to your particular profile.

This profile is made up of criteria that are specific to you (your age, your address, your profession, ...), information about your vehicle and the use you make of it, and takes into account your background In terms of claims.

Franchise

It is the share of the expenses that remains your responsibility following a disaster.
For example: a motorist insured for damage to his vehicle has a deductible of € 1,000 in his car insurance contract.
If after a responsible accident, the amount of the repair is 4 500 €, it will receive 3 500 €. In some cases it is possible to have recourse to the person responsible for damage and to recover the deductible.

However, the deductible does not apply in all cases. You generally have nothing to pay if you have recourse against a third party who is 100% responsible, identified and insured at the time of the loss.
Some car insurance contracts include both fixed deductibles (eg 1500 Euros) and proportional deductibles (eg 10% of damages incurred). In these cases, your insurer will accumulate the two deductibles to assess your compensation. Sometimes an overall ceiling on the amount of deductible is set in the contract.

The contribution calculated for an car insurance policy without deductible is higher than that for a franchise contract.

Car insurance contract with assistance guarantee

This is not a mandatory coverage, although it is included in many car insurance contracts. In the event of a disaster, and depending on the particular context, it covers expenses such as the repatriation of an injured or sick person abroad, the provision of return tickets, organization and taking In charge of a towing, advance medical expenses, dispatch of spare parts to repair your car ...

Each company will cover all or part of these benefits, so it is advisable to refer to the general conditions of your contract of car insurance so as not to have surprises ... In general, this guarantee is not expensive.