Comprehensive insurance: what is it?

Comprehensive insurance: what is it?
Taking out car insurance is compulsory in France to drive legally. The compulsory guarantee remains the civil liability guarantee, also known as the “third party” guarantee. This warranty only covers damage caused to third parties. But if you want more extensive coverage, the all-risk insurance contract remains the "most comprehensive" formula. As its name suggests, this contract covers you against all the risks that may occur to a car, but also to its driver and passengers.

All-risk insurance: a more complete formula
The different guarantees you can take
Why choose comprehensive insurance?
The all-risk insurance contract: the most comprehensive insurance

Of all the auto insurance contracts, the comprehensive insurance contract remains the most interesting and the most reassuring. Unlike third party insurance which only covers the insured against damage caused to a third party, comprehensive insurance offers broader guarantees. In fact, in addition to civil liability, an all-risk contract covers the insured and his vehicle. Depending on the contract, coverage may even extend to hospital costs, surgery and funeral expenses.

The various possible guarantees for all-risk automobile insurance

In reality, the expression "all risks" is a misnomer since all contracts have limits: reimbursement limit and exclusion. If you opt for an all-risk contract, you therefore have the choice between different guarantees. Here are a few :

Damage guarantee for all accidents or all risks: it protects you against all damage to your vehicle, regardless of the accident, regardless of who is responsible. However, it cannot be brought into play if your blood alcohol level goes beyond the authorized limit and if your driver's license is not valid at the time of the accident. It also does not cover the repair of certain accessories not cataloged with your manufacturer and not mentioned in your contract;
Bodily injury coverage: it covers bodily injury to the driver as well as medical costs in the event of temporary incapacity (depending on the contract);
Glass breakage guarantee: it covers damage to the windshield, sunroofs, mirrors (depending on the contract)…;
Storm guarantee: it intervenes for any damage caused by the wind;
Fire guarantee: it covers damage to your vehicle in connection with a fire. It gives entitlement to compensation equal to the value of the car on the day of the accident or to the amount fixed in the contract.
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Why choose comprehensive insurance?

Opting for an all-risk insurance contract is opting for security. This is the best choice if you have a high value vehicle or a new vehicle as the repair for this type of vehicle in the event of a claim is often very high. Apart from that, with comprehensive insurance, the reimbursement process is faster and you have the possibility of taking advantage of more guarantees. Obviously, if this insurance contract is the most comprehensive, it is also the most expensive. Its cost varies according to various criteria: number of guarantees, condition of the car, profile of the insured.