Optional cover for car insurance in France
In France, third-party motor insurance is compulsory for all drivers. This basic insurance covers damage caused to third parties in the event of an at-fault accident. However, a wide range of optional cover can be taken out for more comprehensive protection.
The aim of this article is to explain the various optional cover options available in France, so that you can make an informed choice based on your needs and budget.
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1. Comprehensive insurance (DA)
All-accident damage insurance, often referred to as comprehensive insurance, is the most comprehensive optional cover. It covers damage to your vehicle, whether or not you are at fault for the accident.
Collisions with an identified or unidentified third party (other vehicles, pedestrians, animals, etc.) Acts of vandalism (attempted break-ins, scratches, deliberate impacts, etc.) Natural disasters (hail, storms, floods, etc.) Fire Glass breakage (windscreen, windows, etc.) Theft
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By taking out this additional french car insurance, you avoid having to pay for repairs yourself, which are often very expensive. It can also provide for the replacement of your vehicle if it is considered economically irreparable after a serious accident.
Benefits:
- Comprehensive protection in the event of an accident, including at-fault accidents.
- Covers damage caused by natural events (storm, hail, flood).
- Coverage for glass breakage and vandalism.
Limitations:
- More expensive than civil liability insurance.
- Deductible to be paid in the event of a claim.
While the cost of this cover may seem high, it's essential to weigh it up carefully against the value of your vehicle and your need for peace of mind. Comprehensive insurance is undeniably a very complete safety net.
Example: A driver with comprehensive insurance hits a pole and seriously damages his bumper. The insurance will cover repairs to the vehicle, less the excess specified in the policy.
2. Collision insurance
Collision insurance, also known as third-party insurance, covers damage to your vehicle caused by a collision with another vehicle or object, even if you are responsible for the accident.
Without this cover, you would have to pay for all repairs to your vehicle, which can be extremely expensive in the event of major damage. Collision insurance therefore covers the cost of repairs or replacement if your car is considered a wreck.
Benefits:
- Protection in the event of an at-fault collision.
- Cheaper than comprehensive insurance.
Limitations:
- Does not cover damage caused by natural events or acts of vandalism
- Deductible to be paid in the event of a claim
Although the cost of this additional cover is often lower than that of comprehensive insurance, it is an excellent way of ensuring that you are properly covered against material damage, which is the main source of expensive repairs.
Example: A collision-insured driver collides with another vehicle at a red light, damaging both cars. The insurance will cover repairs to his own vehicle, less the excess.
3. Personal Protection Insurance (PPC)
Personal Accident Protection insurance covers bodily injury to the driver in the event of an accident, regardless of fault.
Without this protection, a simple accident, even a minor one, can quickly turn into a veritable financial abyss, with time off work, costly treatment and loss of earnings. PPC insurance provides protection against these hazards.
It's vital to assess the cover you need based on your personal and professional profile. Having the right PPC insurance is the best way to protect yourself from the sometimes dramatic financial consequences of serious injury.
Benefits:
- Protection in the event of serious injury or death
- Compensation for medical expenses, hospitalisation and loss of income
Limitations:
- Additional cost.
- Compensation limit varies according to the contract.
Example: A PPC-insured driver is seriously injured in an at-fault accident. The insurance will cover his medical expenses, hospitalisation and compensation for loss of income, in accordance with the terms and conditions of the contract.
4. Legal Assistance Insurance
Legal assistance insurance covers the legal costs incurred in the event of a dispute arising from a road accident.
Without this cover, the costs of legal proceedings and lawyers' fees can quickly become exorbitant, even for a seemingly minor dispute. The insurance will enable you to benefit from the services of legal professionals without having to pay in advance.
Beyond the financial aspect, this cover offers reassuring support with sound advice throughout the legal proceedings. It can also facilitate an amicable outcome beforehand to avoid litigation.
Although relatively inexpensive, Legal Assistance is an option that should not be overlooked, especially for motorists who want comprehensive legal protection for any legal action they may take.
Benefits:
- Coverage of legal and expert fees.
- Assistance in finding a specialist lawyer.
- Defending your interests in the event of a dispute.
Limitations:
- Additional cost.
- Maximum cover varies according to the policy.
Example: A driver insured for legal assistance is the victim of an accident that is not his fault and wishes to lodge a complaint against the driver at fault. The insurance will cover the legal and expert fees associated with this procedure.
Choosing cover to suit your needs
The choice of optional cover depends on your driving profile, your vehicle and your budget. It's important to compare offers from different insurers and choose the cover that really matches your needs.
Practical advice
If you are a young driver or a bad-case driver, comprehensive insurance may be necessary to protect you financially in the event of an accident.
If you drive an old or low-value vehicle, third-party collision insurance may be sufficient.
If you drive long distances, legal assistance insurance may be useful in the event of a dispute with another driver.
In conclusion, it's important to understand the various optional car insurance cover options available in France so that you can take out the cover that best suits your needs and your budget. Don't hesitate to contact an insurance broker for personalised advice.