Auto insurance is a legal requirement. It is primarily intended to protect third parties against the damage caused by the driver. How to build a suitable contract? Here are the questions to ask to not forget anything.
What use the vehicle?
What level of vehicle protection?
The extent of coverage of auto insurance is vast: it goes the broken glass replacement to the replacement value. The options and deductibles and deductions determine the amount you will be responsible for repair or replacement. Remember guarantees annexes such as the loan of a vehicle during the repair time.
Note: the repurchase of franchises can significantly increase your contribution. You can also choose to be in place precautionary savings, sometimes less expensive in the long run
What level of driver protection?
Your auto insurance does not normally cover damage you might suffer yourself. This requires purchase a personal guarantee of the driver, which will cover you in case of fault accident. However, make sure it does not duplicate with a guarantee already subscribed otherwise, such as the group benefits underwritten by your employer.
Namely: your multi-risk home insurance generally includes an option "defense and legal remedies," check if it includes cases from cars.
When to change auto insurance policy?
This is usually on the occasion of the purchase of a vehicle that the question arises. However, you can of course change the contract at will, provided they respect the notice period of your car insurance is up to two months.
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