Steps

1. > Take a standard price case of a driver, with no long experience, but not a young driver either
2. Example
3. We hang on during a maneuver and we are at all risk (otherwise we are entitled to nothing)
4. > Let's say the damage is 1000 €
5. Contract
6. > Take for example, the following case
7. Damage All Accidents: € 286 + 10% of repairs (capped at € 726)
8. /!\ With the example given, the Franchise 286 + 100 = 386 € this already represents 1/3!
9. Responsibility
10. If the insurance declares that the insured is 100% responsible = 25% penalty
11. > Price per month currently: around 145 €
12. > If Malux by 25%: then around € 182
13. /!\ The increase over the three years represents 37 * 12 * 3 = 1332 €
14. True price (well almost)
15. /!\ With the example given, if we count the Franchise and the Malus, we are already at 386 + 1332 = 1718 €
16. Doublet
17. Do not forget that because of the Malus, the insured will not therefore have to earn his Bonuss over the three years!
18. > Price per month currently: around 145 €
19. > If Bonus of 5% the following year: around 138 € (145 * 12-138 * 12 = 84 € gain)
20. > If Bonus of 5% the following year: around 131 € (138 * 12-131 * 12 = 84 € gain)
21. > If Bonus of 5% the following year: around 125 € (131 * 12-125 * 12 = 72 € gain)
22. /!\ The insured would therefore have earned 84 + 84 + 72 = € 240
23. Real price
24. /!\ With the example given, if we count the Franchise, the Malus and the Bonus not obtained, then we are actually at 386 + 1332 + 240 = 1958 €
25. Conclusion
26. So if we declare a claim, that the insurance declares us responsible because it cannot attack a third party, then the insurance helps us by making us pay in reality twice the price!
27. Solution
28. Make repairs in a garage (to repair at normal price, see less)
29. To use the same weapons as them and to say that we do not know who or how it happened, because this problem was observed when returning from the races, so surely someone, during a maneuver, in one of the car parks of one of the stores visited (because no 100% liability, if you are at all risk)
30. Tip
31. Whether it is auto, motorcycle, home, mortgage or even affinity insurance, the Hamon law allows you to change insurance without costs or penalties, from the anniversary date of the signing of the contract, without any costs or penalties, or even need to justify yourself
32. /!\ Always remember to use a registered letter with acknowledgment of receipt (LRAR) for reasons of legal protection, if necessary