Steps

1. The cases
2. > There are several cases:
3. If you are on probation, you have an additional cost
4. If you are under 26, you have an additional cost
5. If you are on probation and are less than 26 years old, you have two additional costs
6. If you have a penalty, you have an additional cost
7. If you have a bonus, you have a bonus
8. The insurer
9. Already have an idea of what you want and your budget (without telling them) and especially check everything at home on the internet (or by asking family, friends, etc.), take the time to think, etc
10. /!\ Do not believe them automatically, because as nice as they are, their work remains to sell quickly and a lot!
11. The contract
12. It's only the competition that matters, because customer loyalty only relates to them and not to you
13. Insurance brokers have access to new and often interesting offers, but beware they remain insurers and will line up just below the price you already have, or not communicating to them at the start
14. /!\ Your contract is to be reviewed every year, and if they do not want to align, then you change (and will have new customer bonuses)!
15. > My advice is to call on one (or more) insurance cutters to get free quotes
16. Guarantees and prices
17. /!\ Always recommend fixed and not too high deductibles, without having exorbitant monthly payments!
18. > Recommended value of the Franchise: € 480
19. > Automobile Civil Liability (allows to cover damage caused to oneself, damage caused intentionally to others, damage resulting from a car race, damage resulting from the transport of dangerous materials, damage occurring within the framework of the professional activity, which must be subject to specific insurance)
20. Body accident
21. > Mandatory value: No sum limit
22. Material accident
23. > Recommended value: Ceiling of € 100,000,000 (including material damage resulting from a fire or explosion: € 10,000,000)
24. > Criminal Defense and Recourse Following an Accident (in the case, for example, of an overturned pedestrian, this covers this accident as part of the victim's civil liability guarantee, which will therefore be fully compensated)
25. > Mandatory value: Yes
26. > Major events (the event which led to the accident must be external so does not depend on the driver or the vehicle, unpredictable therefore not possible from the anticipated, and irresistible therefore that the driver can prove that he could not avoid it. If it is a natural disaster where the judge can hold the case of force majeure)
27. > Value: Deductible per claim cf. General Provisions (you have no choice)
28. > Glass breakage (in general, the parts taken care of are: the windshield, the side windows, the rear window and the mirrors)
29. Deductible per claim
30. > Recommended value: € 94
31. Except in the event of repair without exceeding the deductible per claim
32. > Recommended value: € 15
33. /!\ Knowing that a windshield change costs around € 600, that the number of glass breakage in 2016 was 2.6 million and that the frequency of glass breakage is every 5 years, this point is important!
34. > Theft (applies if the car is not found after 30 days, if the car is found before 30 days, or if the car is found after 30 days)
35. > Recommended value: Deductible
36. > Fire (applies only if the damage is of accidental origin, such as an electric short circuit or lightning, or a malfunction of the air conditioning, of malicious origin such as an act of vandalism or an attack)
37. > Recommended value: Deductible
38. > Refund of the credit (allows to cover the refund of the capital remaining due in the event of death, temporary incapacity for work, total and irreversible loss of autonomy, or even the loss of job)
39. > Recommended date: About 5 years
40. > Accessories (applies to electronic equipment such as the laptop, pneumatic equipment such as tires or rims, the contents of the roof box and trailer, on-board equipment such as the roof rack or bicycle rack)
41. > Recommended value: No (unless you often transport valuables)
42. > Private / professional content (see: Accessories)
43. > Recommended value: No (unless you often transport valuables)
44. > Isolated theft of interior and exterior elements (applies to cases of "theft from a trailer", "theft from the door", etc., but an obsolescence will be applied to the value)
45. > Recommended value: 20% of the damage (with a maximum of your Deductible)
46. > Fittings, Awning (applies to damage caused by your external assets such as blinds, air conditioning devices, fences, gates, games and sports facilities, tanks, tanks, tanks, etc.)
47. > Recommended value: No (unless you are in a house with corresponding cases)
48. > Compensation in purchase value (applies if your vehicle is stolen or if it cannot be repaired following a guaranteed loss, you are reimbursed up to its purchase value)
49. > Recommended date: About 1 year
50. > Compensation in increased value (in the event of total loss of the vehicle resulting from a guaranteed loss, you will be indemnified for 20% of the value of your vehicle)
51. > Recommended date: About 1 year
52. > Driver protection (it covers the costs of hospitalization, your medical costs, the "price of pain" or pretium doloris therefore the moral damage suffered)
53. > Recommended date: Ceiling € 1,000,000 / O% Deductible for Permanent Disability
54. > Disruption of activity (applies following an accident, theft, broken glass, etc. which will prevent you from going to work and thus entitle you to daily compensation)
55. > Recommended value: No with a waiting period of 3 days (because you will never come back to their special conditions...)
56. Services
57. Assistance O km (allows an insured to be repaired, even 100 meters from his home, and to benefit from a replacement vehicle)
58. Replacement vehicle (allows you to travel if your car is unavailable)
59. Mechanical faults (allows your insurer to take charge of the repairs necessary to put your vehicle back into circulation in the event of a breakdown)
60. Automobile Legal Protection (allows to cover the fees of solicited lawyers, procedural costs and expert fees)
61. > Mandatory value: Yes to all (except for the replacement vehicle, as it depends on your needs)
62. "Novice Driver" franchise
63. You can lend your vehicle, but be careful who you will, because it remains your vehicle. Some insurance adds a penalty as soon as the power starts to be high, to limit the loan to the uninitiated
64. > Recommended value: € 1,500
65. /!\ If, at the time of the claim involving liability, the driver of the 4-wheel vehicle holds a driver's license of less than 3 years, this novice driver deductible is added to the deductible already provided for the warranty game, unless it is designated as a driver or secondary on the contract or that it has another contract in the same insurance!
66. /!\ Remember to ask how many years!
67. Car value
68. - There are several:
69. replacement value: this is the price of a used vehicle of the same type and in a similar condition
70. the catalog value: this is the sale value of the same new vehicle, indicated in the manufacturer's catalog
71. the approved value: this is the insurance value determined by an expert when the contract is taken out and accepted by the insurance company
72. the market or economic value: it corresponds to the price at which the vehicle could have been sold on the second-hand market just before the accident
73. - Recommended value: The catalog value
74. /!\ They will offer you a value without options, so you should not accept immediately, but ask them to find you vehicles with the same options! As they will not be able, they will revise the price upwards
75. Alcohol / Drugs
76. In the event of a responsible claim, under the influence of alcohol or drugs, all auto insurance guarantees are canceled except Civil Liability. It will not compensate the alcoholic driver for any damage, however, passengers will be compensated
77. Tired
78. Breaks are very important, as well as being able to be several in the vehicle so that everyone can remain attentive, while driving carefully

Warning

1. Never drive under the influence of Alcohol and/or Drugs!
2. Never drive when you are too tired or too late at night