Car insurance coverage in case of accident and not wearing the belt
In the event of an accident while you are not attached by the seat belt, you will normally be covered by your car insurance.
However, check the exclusion clauses of your car insurance policy that may possibly reduce or eliminate compensation for personal injury in the event of failure to wear seat belts.
Coverage in the event of an accident using a mobile phone
In the event of an accident while using your mobile phone, you will be covered a priori by your insurance (check it in your insurance contract).
Be careful, however, as your accident risk increases up to 6 times during the first 5 minutes of communication!
Furthermore, under articles R3-1 and R233-1 of the Highway Code, you are liable to a fine ranging from 35 to 150 euros.
Car insurance coverage in case of vehicle loan
In case of loan of your vehicle, it is necessary to be very attentive in the matter. Indeed, several cases are possible.
Damages that this person may cause to third parties will be covered but may be subject to a deductible.
There are three possible scenarios:
1. Your car insurance contract provides for "exclusive conduct", ie you are the only driver authorized to drive the vehicle, in which case a deductible (sometimes important in your contract, will apply in In the event of a claim.
2. You are in the case where an exclusive conduct is not provided, then two cases can arise:
- there is no "ready to fly" deductible in which case you will be compensated in full
- there is a franchise "ready to drive", that is to say that a deductible will apply according to the person who actually caused the accident (young driver, concubine, ...).
In all cases, it is strongly recommended to refer to your general and specific conditions before lending your vehicle. Be aware that this loan must in any case be graceful.
On the Assurland.com website, we give you the amount of the franchise "ready to fly" when the offers are returned.
Coverage in the event of an accident with suspension, withdrawal or cancellation of permits
Generally, you will not be covered by your car insurance in case of accident with suspension, withdrawal or cancellation of permit.
Driving during a suspension or after a withdrawal or cancellation of the permit may indeed be a cause of exclusion of warranty.
Any suspension or withdrawal of the driver's license must be reported to your insurer.
Optional vehicle accessory insurance coverage
Optional vehicle accessories (car-radio, hands-free kit ...) are sometimes covered as an option in car insurance contracts. It is recommended that you carefully read your contract to see if they are covered, under what conditions (theft of the vehicle or simple attempt at theft which would result in theft of objects without theft of the vehicle), for which amount (often limited to less than 1 500 €).
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