Car insurance: termination by the insurer

Insurance companies may decide to terminate a contract if certain clauses have not been met by the insured driver.

The insurer may reserve the right to terminate the contract of insurance of one of its policyholders in the following cases:

In the event of unpaid

If the insured does not pay its dues, the insurance company may then decide to put an end to the contract according to a certain procedure. In fact, the insurer must require the insured to pay. Without payment of the part of the insured, the insurance contract will be suspended within 30 days following the formal notice, and terminated 10 days after.

Strong liability accident

The insurer may also decide to terminate a contract of insurance in case of accidents involving a heavy responsibility of the insured, i.e. If the insured person has a blood alcohol content above the legal limit or is under the influence of a drug.

In the event of serious breach of the highway code

In the event of serious breach of the highway code, the insurer may still decide to terminate the insurance contract. The seriousness of these offences will be assessed according to the penalty imposed by the authorities. Also, a suspension of permit for more than one month or the cancellation and withdrawal of driving licences can also imply a termination of the contract of insurance of your insurer. Your contract will be considered as cancelled one month after notification in writing of your insurer. Include as serious offence, hit and run, which may lead to criminal prosecutions in the event of non assistance to person in danger.

Car insurance: termination by the insured

With or without cause, you have the right to cancel your auto insurance. However, need to know to choose the right time or the right reasons to terminate his insurance.

Termination due

Want to change the insurance contract, to take advantage of more attractive prices of the competition? It is possible, but only at maturity of your current insurance contract. Indeed, you can terminate your contract without cause.

According to insurance companies, you must then serve your decision of termination two months before the expiry date of your contract or letter with acknowledgement of receipt, or by going to one of the agencies of your insurance company. So don't forget to keep a record of your visit and indicating your request for termination.

Namely

The Chatel Law requires insurers to send you a notice of expiry indicating your insurance for the next year. From the receipt of this notice, you have then 20 days to terminate your contract. This is the date shown on the envelope by post which determines the beginning of these 20 days. If your insurance company does not communicate you this notice, you have the right to terminate your contract without suffering any penalty.

Termination during the contract

You can request to cancel your current contract at any time in the following cases:

-You've decided to sell your car. In this case, the termination of your insurance will be taken into account within 10 days of receipt of your request. In addition, you will be more covered from the date of the sale at midnight. You can then transfer your insurance on a new vehicle. Some insurers reserve the right to refuse your request and ask the rest of the premium due. For this reason, it is better to sell his vehicle once the insurance contract come to an end.

-If your insurance company decides to increase your insurance premium, unless it is related to a malus, there you can still cancel your contract. You have then 15 days after the notice to terminate your contract. The termination took effect one month after the receipt of your application.

Car insurance: go abroad by car, what you need to know

You have decided to go with your car abroad, for holiday or for work. Check the terms of your contract of insurance to be sure to be covered.

Inquire before you go

Most insurance companies cover you in the event of accident abroad, but only in the countries listed on your contract. Ask before starting, in order to know if you will be covered in the country of destination, but also in the countries that you will go through to reach it. Otherwise, he is Advisor of insurance complementary auto, either with your insurance or another body, in France or in the country of destination. Remember therefore to note the call abroad from your insurance number.

In case of accident

If you are in the European Union, you can call 112, the single emergency call number. As soon as possible, call your insurer or assistance so that it indicates a way forward for the towing of your vehicle or any accommodation or repatriation. As in France, you will then five working days to send your claim to your insurer.

The settlement observation

In most countries, European you will have something similar to the French statement to complete. Refer to the French model to complete the finding if it is in a foreign language. In the United Kingdom, a free paper return enough, however take care to note all necessary information, identity of drivers, registration, of the accident site, witnesses coordinates and insurance company. Do not sign anything if you're not sure I understood what is indicated.

Responsibilities and benefits

You will be then compensated according to the laws in force in the country where the accident occurred. Responsibility and amount of your may be different compared to the France.

Online car insurance: how to get the best price?

The comparators online today to compare the prices of the different insurance companies. Quick and easy, these comparators will give you an idea of the market price and will allow you to get the best priced auto insurance.

Compare prices of companies

The era of the Internet, it is now easy to compare the prices displayed by the various insurance companies. First as a small comparative study, comparing of prices, but also the proposed guarantees, compensation limits and prices of the franchises. A low price sometimes hides poor coverage.

To sponsor a parent

Young drivers can be sponsored by their parent with their insurance company. They can then benefit from lower prices and sometimes take advantage of the bonus from their parent. Indeed, if your parents are good drivers, instead of starting with a 1 bonus-malus coefficient, you can go with a lower coefficient.

Choose optional guarantees

You choose an insurance that you like and that suits your needs. Between third breakage of ice, third collision or all risks, it is sometimes possible to bring down the price of insurance options, like the odometer franchise for example.

Increase deductibles

You can also make the choice to increase franchises, in order to lower the price of your insurance premium. Thus, disaster, you will find yourself with higher deductibles but a lower premium. You make this choice.

Choose the insurance at kilometer

The small rollers and young drivers can lower the price of their insurance through insurance at kilometer. This type of insurance is advantageous for drivers making only occasional use of their vehicle. The economy can go up to 40%.

Do not combine your auto with other insurance coverage options

It happens that your credit cards cover safeguards proposed by your auto insurance. Examples include the guarantee of assistance and legal protection. No need to accumulate the same insurance. Check your different safeguards before decide you.

Choose the right car

The choice of your car, if it is not set, can vary the price of insurance. Choose a standard known as car, in colors covered by insurance at lower costs.

Pay only once

Often insurers offer to pay by installment. This leads most of the fees. You can also choose to pay your insurance only once, thus saving the cost of the fee of monthly.

Protect your vehicle against theft

Finally, the insurers enjoy vehicles safe for flight. If possible, Park your vehicle, car, motorcycle or scooter in a parking lot and do not forget the locks approved for the two wheels. Parking secure with alarms, for example, will be appreciated by your insurer

Car insurance: what to do in case of accident? -When making a small clash

Auto insurance: what to do in case of accident? -When making a small clash

10-05-2012

Small hanging or worst accident, it is important to know how to react in case of problems on the road. Here are a few tips to manage these difficult situations.

It is a fact, we can all be facing the road, more or less serious accident, in our journey of motorist. That is why, it is important to know how to respond, both at the time of the accident and subsequently in the steps to take towards its insurer.

Secure the area

You just had a little accident, return collided with another car, without material or physical damage. First clear the roadway in order to not interfere with movement and cause other accidents at the same time.

The settlement observation

In order to ensure a dialogue with the other driver, even if it is at fault, it is important to keep calm. Complete set a common report, which each will keep a copy. If you are not in agreement with the version presented by the other driver, you are not required to sign the contract. On the contrary, if sign you, then it will be more difficult to return to your statements subsequently.

Disagreement: the importance of witnesses

In case of disagreement, take care to obtain the identity of the driver, but also his license plate. Indicate on the statement that you are not in agreement. Ask also around if there were witnesses to the scene, police officer or other, that might support your version of events from your insurer. Don't forget to take the identity and address of the potential witnesses, so that they can be contacted by your auto insurance subsequently.

If you do not report on you, you can specify the circumstances of the accident on plain paper.

The time vis à vis the insurer

In all cases, you have 5 days to send the report to your insurance, after completing the claim contained in the back of your statement. It is recommended to send it by registered letter with acknowledgement of receipt.

News and Tests Turbo.fr auto: auto insurance: what to do in case of accident? -When anchorage a small - car insurance with Turbo.fr http://www.turbo.fr/assurance-auto/comparateur/assurance_auto_que_faire_en_cas_d_accident_lors_d_un_petit_accrochage-514837.html#ixzz2NDBcgUmS news

Small hanging or worst accident, it is important to know how to react in case of problems on the road. Here are a few tips to manage these difficult situations.

It is a fact, we can all be facing the road, more or less serious accident, in our journey of motorist. That is why, it is important to know how to respond, both at the time of the accident and subsequently in the steps to take towards its insurer.

Secure the area

You just had a little accident, return collided with another car, without material or physical damage. First clear the roadway in order to not interfere with movement and cause other accidents at the same time.

The settlement observation

In order to ensure a dialogue with the other driver, even if it is at fault, it is important to keep calm. Complete set a common report, which each will keep a copy. If you are not in agreement with the version presented by the other driver, you are not required to sign the contract. On the contrary, if sign you, then it will be more difficult to return to your statements subsequently.

Disagreement: the importance of witnesses

In case of disagreement, take care to obtain the identity of the driver, but also his license plate. Indicate on the statement that you are not in agreement. Ask also around if there were witnesses to the scene, police officer or other, that might support your version of events from your insurer. Don't forget to take the identity and address of the potential witnesses, so that they can be contacted by your auto insurance subsequently.

If you do not report on you, you can specify the circumstances of the accident on plain paper.

The time vis à vis the insurer

In all cases, you have 5 days to send the report to your insurance, after completing the claim contained in the back of your statement. It is recommended to send it by registered letter with acknowledgement of receipt.

Auto insurance: the insurance compare, mode d'emploi

At the time of the Internet, comparator of insurance companies have emerged. Practical, they allow you to compare the prices of the insurers, instead of pass, one by one, by each company's website.

Where to find its comparator?

A simple Internet search should lead you to auto insurance comparers. However, you can also choose the comparators offered by specialized sites, be it insurance or car. They usually pass agreements with reliable and efficient companies.

Check the number of insurance companies compared

A comparer that will compare prices between two insurance companies would not really reliable or noteworthy comparator. Also, remember to check in the appropriate topic, the names of insurance compared on the site of the comparator in question. Check that there is the big names like the smaller names of insurance, so that your search has meaning.

Information to be provided

Once these checks is established, you need your driver's license, your Gray card and your last notice of expiration in order to better inform the requested information. They will cover your vehicle, its brand, its model, its power, its date of circulation, his parking place, its daily or occasional use. The comparator will also ask for information to establish your profile. In fact, depending on your age, your gender, the number of years of permit and your driver history, the price of your insurance premium may vary.

The information to compare

Once the data is populated, the comparator will display a comparative table showing the prices offered by different insurance companies. The price should not be your only criterion of choice. Also check the prices of the franchises, the ceilings for compensation, the various clauses and guarantees that could tip the balance to another insurer, a little more expensive, but offering better benefits.

Car insurance: what to do in case of accident? -For serious accidents

Small hanging or worst accident, it is important to know how to react in case of problems on the road. Here are a few tips to manage these difficult situations.

Serious accident, it is important to react better and more quickly in order to save lives, yours, your entourage and other motorists.

Secure the area

More serious accidents, if you can not remove the car from the road, it was important to secure the area. Put your reflective yellow vest that will be seen by other motorists. Turn on your hazard lights and ask a triangle more than ten meters from the accident area.

Notify the authorities and rescue

Then tell the nearest RCMP (17), as well as relief (15 or 18, 112 from a mobile phone). In the event of accident, you are required to prevent the faster the authorities, under penalty of prosecution for non assistance to person in danger. Unlike the lighter accidents, it is advise not nothing move, so that an investigation can determine the responsibilities.

Except in the case of danger such as a fire or explosion, do not move the injured, you may aggravate their injuries and cause irreparable damage.

The witnesses

If people are witnesses to the accident and help, remember to take their contact information so that they can later testify in case of disagreement with any other party.

Deadlines

There again, tell your insurer more quickly, before five working days, either through the report that you have been able to meet with the other party, if there is one, by letter. In both cases, it is recommended to send it by registered letter with acknowledgement of receipt.