Insurance practice. Required, but is third party insurance sufficient? Which option do I need to add?

French law requires all car owners to have insurance, including a “civil liability” guarantee, in order to be able to drive. At a minimum, “third party” insurance constitutes the basic coverage.

If this insurance is not well protected, you can choose a broader warranty. In addition to the more expensive “All Risks” warranty, “Extended Third Party” method, or “Third Party”, you get the following optional warranty. Theft or broken glass.

To choose the level of insurance, think about the value of your car. However, in the case of third party insurance, consider that car damage will not be considered if you are responsible for the accident. Photo DR

To choose the level of insurance, think about the value of your car. However, in the case of third party insurance, consider that car damage will not be considered if you are responsible for the accident. Photo DR

What is third party insurance?

Let’s get back to basics. In the event of a claim, the third party contract will only cover the damage suffered by the third party and will not participate in compensation if you are liable.

On the other hand, the third party insured who is the victim of the accident is covered by the automobile insurance of the person responsible for the accident. Third-party contracts are suitable for a particular driver’s profile. Old car owners with low value, infrequent drivers, young drivers, low budgets, etc.

The amount of glass breakage guarantee may be limited by the insurance company. Also pay attention to frankness. Photo DR

The amount of glass breakage guarantee may be limited by the insurance company. Also pay attention to frankness. Photo DR

What is an extended third?

Third Party Plus, Extended Third Party, Improved Third Party, and even Third Party Comfort. This is a method that provides additional warranty compared to “third party” car insurance without covering “all risks”.

Therefore, an offer aimed at compromising between price and warranty to meet the needs of a particular driver. Depending on the insurance company (conventional or mutual), in addition to civil liability, in most cases the driver’s physical protection, fire and natural disasters are included in the warranty. Theft guarantee is not systematic.

In the event of theft, the value of the vehicle in the event of loss will be considered. Photo DR

In the event of theft, the value of the vehicle in the event of loss will be considered. Photo DR

Guarantee of important options

The Driver’s Personal Warranty allows you to receive compensation in the event of an accident, or if you are injured in the event that a third party has not been identified. The “Collision Damage” warranty covers damage to the vehicle in the event of a collision with another vehicle, pedestrian, or animal. In either case, you need to identify the owner, pedestrian, or animal of the vehicle involved.

Otherwise, there is no support. The “Theft Fire” warranty covers theft and destruction by fire. Compensation is most often based on the value at the time of loss.

The storm warranty is usually included from the moment you get the vehicle damage warranty. Photo DR

The storm warranty is usually included from the moment you get the vehicle damage warranty. Photo DR

Other useful guarantees

The “Glass Break” warranty is used if the windshield is damaged. If so specified in the insurance policy, this cover can be extended to side windows, rear windows, roof windows, and headlamps and external mirrors. The “Legal Protection” warranty can be used if you are involved in the procedure in the context of the claim.

You are protected by your insurance company. The insurance company can cover the costs of professionals or lawyers. In the event of damage guarantee (theft, fire, collision damage, etc.), the vehicle is at risk of “natural disasters”, “storms” and “attacks”.