Own damage insurance

Own damage insurance

Why do we need this insurance?

 

It is an important complement to mandatory civil liability/third-party insurance.

Road accidents are frequent, and fault may be attributed to you.

Accidents can cause significant damage to your vehicle, which can be difficult to affor without own damage insurance.

It allows for swift and assisted claims resolution, avoiding any legal risks.

 

What risks does it cover?

 

Consider the following coverages:

  • Collision, fire, theft, vandalism, and natural phenomena
  • New value guarantee for total loss in the first 3 years.
  • Isolated glass breakage
  • Roadside assistance
  • Legal protection
  • Replacement vehicle in the case of breakdown or accident.

 

Tips for contracting this insurance

 

The age and years of driving experience of the driver are important for premium calculation.

Determine the capital suited to the age and features of your vehicle.

Deductible:

  • Choose the best option linked to the market or fixed value of your vehicle.
  • Opt for the most appropriate percentage that balances the risk you are willing to assume (deductible) and the insurance premium cost.

Because acts of vandalism occur when we least expect them.

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