The most Important Tips to be Followed for Luxury Car Insurance

Of course the raffle car carry much social relevance, are looking for outstanding performance, design and magnificent, and lots of other features that will accommodate area of course to mention. But all these qualities don't come for free, besides the cost of buying luxury cars which he cannot endure the average income, there are some other expenses side that must be taken into account such as maintenance and insurance expenses. Auto insurance is essential especially in the tense security situation in much of the country and the high rate of road accidents threatening the safety of cars. The cost of the insurance process may be the primary barrier which hinders many private car owners from doing them.

The Cost of Car Insurance :
Increase the cost of insurance, the higher the price of the car, up annuity insurance for car SUV around 6% of the real cost, while annuity ordinary cars of 3 to 4 percent. The cost of luxury sports car insurance like Lamborghini, Ferrari, other than the cost of insurance for other types of cars such as Rolls Royce and Bentley. This is due to the fact that sports cars are more likely to be exposed to risks due to high speed and horsepower. If you find that the cost of luxury car insurance wishing purchased too high, try to look for a used car of the same type that used car insurance cost less than the cost of new cars. Better find a used car by age two, maybe three years.

Important Tips :
There are some important points to keep in mind before making your car insurance new SUV, we'll try here summarized these points. If you buy a used car, you lose the history of maintenance. Make sure that the owner of the car before the car maintenance schedule. Don't go away, repair and maintenance services in the Agency are the perfect choice for you if you want to repair or maintenance. Luxury cars contain a lot of sensitive devices which must be handled with specific scientific methods. Most major car dealerships in Qatar or GCC has potential for the maintenance of the SUV. Most manufacturers provide a system guarantee extends for 3 years or 100,000 miles. With the end of the warranty period, please search for an insurance company providing advanced repair services fit the car. Before contracting with an insurance company, make sure that this company is rated by international credit rating agency. The company obtains a rating agency confirms that the company is able to settle claims stemming from huge losses.

Insurance Type :
Many car owners tend to choose primary insurance programs (third-party liability insurance) because it's cheaper of course than the broader insurance programs. Some think they're skilled auto leaders and do not need to insure their car completely because the way their leadership won't be exposed to risks, and that is wrong because the roads are now filled with risks that some inadvertently. See some other people that luxury cars are cars in the first place, so it won't be much consumption volume and therefore not exposed to too much risk. But that's also wrong that the simplest scratch in your limo will cost you a lot of time and money too. Better use of comprehensive insurance programs. These programs may be expensive, but it will give you peace of mind and confidence to allow more to enjoy driving.

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What Insurance for an Electric or Hybrid Car?

Electric or hybrid, the ecological car is increasingly present in the French automotive landscape. Should it be secured and how?

Protecting the environment is important to you: you want to buy an eco-friendly car. It pollutes less than a conventional car because it runs on electricity (for the electric car) and not on petrol or diesel. The hybrid car, on the other hand, operates on both electricity and fuel, but consumes less. 

The obligation to have Insurance for your electric car

Your electric car has a limited autonomy ... You use it a lot for small trips in town but little on major roads. Yet there is no question of passing auto insurance: as it is a "land motor vehicle", the law requires you to insure it!

If you do not, you may be ordered to pay a fine and see your car confiscated. And in case of a responsible accident, you will not be covered ... You will have to compensate the victims, which can debt you for life. 

Choosing Your Electric Car Insurance

The formulas are the same as for a classic auto insurance.

At a minimum, you must purchase "third party" insurance. It includes a civil liability that covers you in case of damage caused to third parties.

However, an electric car is usually more expensive to purchase than a conventional vehicle. It is therefore important to protect it well ... Especially as replacement parts and repairs can cost you dearly. It may be useful to add options to cover the flight, or fire. Or subscribe to the "all risks" formula, which will offer you the best protection.

Also, be sure to select support services, especially troubleshooting: you are not immune to a power outage in the countryside!

The key element of your electric car is the battery. Most of the time, it is leased to the builder or the seller. Consider checking that the lease includes insurance and what it covers. Finally, to recharge the battery at home, you will need to install a special electrical outlet: ask your insurer to guarantee this electrical risk in your home insurance policy.

Reporting a claim Auto Insurance

Hands are clenched on the steering wheel, emergency braking, tire squealing and shock ... (more or less violent)! To start, no need to insult the other driver involved in the accident. After seeing the damage to your auto and / or that of the opposing party, it should treat the statement of claim that you will send to the insurer. Here's how.

What is a disaster?

any event resulting in property damage and / or injury per accident means: it may as well be a stone hitting the windscreen as an accident resulting in injury. Remember that the most common claims are those with property damage and glass breakage.

The main claims are:

Glass breakage (windscreen, headlights, side windows ...)

Snap or accident, with consequences ranging from the crumpled metal with injury

Theft, whatever the circumstances (with or without violence). In all cases, remove as soon as possible pre-complaint line and confirm it as soon as possible to the police

Fire (whether due to mechanical failure or vandalism)

When to notify his insurer?

The rule is simple: you have to report to your insurer ALL sinister, even the less serious (eg shock front at 5 km / h in traffic).

Note that in case of glass breakage (excluding lighthouses or sunroof), the procedure is slightly if your company has a partner network of specialists: after notifying the customer service (it is not mandatory everywhere but this is preferable), you go to the repairman, who performs repair without having to move in addition (except a possible franchise). When a repair resin injection proves to be sufficient (rather than replacing a windscreen), it's usually free. Another advantage, most repairers can get to your home or your workplace.

Do not report to keep his bonus?

In the case of light damage, it often happens that two motorists decide to arrange them so that the manager sets the amount of compensation in order not begin its bonus (or worsen its penalties).

Caution, however, we must be absolutely certain that the damage is not serious. Indeed, if you have underestimated the severity of the damage and an estimate of the hotel clearly proves higher than you expected, the risk is that the motorist supposed to address the repairs finally changes his mind. And there, difficult to play defense clause / appeal your insurance policy ...

When report a loss?

A claim must be made to the insurer within 5 days, the ideal is still to start with preventing the insurer immediately by phone.

The flight must be immediately reported to the authorities (police or gendarmerie) in order to identify any civil and / or criminal in case of accident or violation or accident by the perpetrators of the theft. Then he must report the theft to the insurer within 2 business days.

NB: You can also report the theft of your pre-complaint line vehicle. However, note that you remain responsible for the vehicle until the complaint is not signed to the police or the gendarmerie.

The items required

The list of documents and materials that are typically required when a claim:

Your full contact

The complete details of other people involved in the disaster

Full details of any witnesses

The minutes may be realized by the police on the scene of the accident

The number of your insurance contract (or your membership number for mutuals)

A photocopy of your registration card

The detailed description of the physical and material damages suffered by you. If you are injured, contact a prospective certificate ITT (temporary disability).

The detailed description of the physical and material damages suffered by a third party or

The finding by agreement (to be signed by both parties to be valid). Always have a copy on board. And, above all, ensure that it clearly explains the circumstances of the accident. Otherwise, the risk is that the insurer considers that the wrongs are shared, which will result in penalties to your bonus rates / penalty.

Ideally, location photos, and photos of the vehicle involved in the accident.

Join if possible proof of purchase (invoice) and accessories mounted in your car (GPS, child seat, etc.).

In case of theft: if your vehicle was equipped with antitheft devices (original or aftermarket), provide proof of the existence of said devices (GPS Tracker chip kind, immobilizer, burning windows, mechanical locking wheel, etc.)

Filing complaint

In case of theft, violence or the third hit and run (identified or not), filing a complaint will be required. For this, first declare a pre-complaint online before going to sign it to the police or gendarmerie. Then, attach the file double of that filing a complaint.

How to report the claim

Insurers have a customer relations service 24/24 and 7/7 working phone allowing you to file a claim as soon as possible. Operators are able to provide you need help (relief shipment, etc.).

In most companies, it is also possible to declare a disaster over the Internet. Others have even designed for such a smartphone application.

Repairs

Rule of thumb: once declared the claim you are the owner or the victim, do not make the repairs of your vehicle before having been authorized by your insurance company. And even if you have an urgent need for your vehicle. Indeed, only the expert appointed by your insurance company may, after careful consideration, assess the "repairability" (or not) of your vehicle. The work will be performed by a licensed professional by your company.

In case of disagreement on the amount of compensation

If the findings of the expert appointed by the insurance does not suit you, it is possible you to make a cons-expertise at your expense by using an independent expert. Also, please attach any document or proof of good condition and good maintenance of your vehicle, which increases the market value. You will put every chance on your side to get the highest possible compensation.

What impact on the bonus-malus?

Any accident which the insured is totally responsible bears a charge of 25% of the bonus coefficient / penalty previously applied.

If a motorist causes several accidents during the same year, the coefficient of the bonus malus or her is multiplied by 1.25 as many times as there have been accidents (without exceeding 3.50). He risks being struck by his insurer, anxious to avoid the risk drivers in customers ...

Please note, no increase will be applied after the first fault accident occurred when the driver received a 50% bonus for at least three years.

What to Do to pay Less for their Car Insurance?

Over 80% of the French have a car and everyone knows that the auto budget is an important part of the expenses. Purchase of the vehicle, fuel, maintenance, repairs and insurance costs are increasing. If it is difficult to save on certain items, you can influence the price of your auto insurance policy, by following some simple tips.

The choice of vehicle: a determining act

We do not always think spontaneously, but the choice of vehicle has a direct impact on the price of auto insurance. Whether you have a bonus for years or a light penalty following a claim, your insurer will determine the price of your auto insurance policy especially depending on the make and model of your vehicle.

Although your driver profile is an important part of determining the price of your car insurance, it is the car that is insured. Therefore, your insurer determines the risks incurred by the car if a disaster were to take place. The price of insurance will be calculated based on the age of the vehicle, repair of possible costs, the engine power of the brand and the model, the risk of theft or of the maximum speed.

So when you are looking to buy your first car to replace the one you drive or to acquire additional, analyze all these criteria before signing the deed of purchase. Once on the road, take a reasonable driving and avoid clashes prompt your insurer to give you discounts over the years.

Negotiate the guarantees and deductibles

To lower the price of your insurance when taking out the policy, two negotiating levers with your insurer are possible. First, make sure to choose the formula that truly meets your needs. For example, choose an auto liability insurance if your car is used and is not too high or auto comprehensive insurance if your car is new.

Then, in agreement with your insurer, it may be interesting to dwell on the guarantees associated with the chosen formula. If some are superfluous or completely useless, you can ask to remove the contract through a reduction in your premium. Alternatively, decrease some safeguards strengthening those you feel you need.

If you do not want to reduce the guarantees, the other negotiating leverage with your insurer to see rest franchises. Unlike guarantees, here it will be increased. Plus the cost of the allowances will be your responsibility, the lower the price of car insurance will be.

however remain vigilant on this point: the contract should seal your needs without excessive reduction of your cover. And because, in poor estimation, the savings in the short term could soar disaster (before a small compensation from the insurer and remains a high load).

Compare auto insurance contracts

Thanks to measures introduced by the Hamon law, change auto insurance is more difficult thing. After a year of commitment, you can cancel your auto insurance policy to choose another one at any time, even during the year.

To find auto insurance policy at the best price / benefits / services, it must go around the market and analyze the offers. To simplify these processes and save valuable time, use an online auto insurance comparison, a free and without obligation.