What is accident of life insurance?
Accident of life insurance is optional insurance that covers you for accidents that may occur in your daily life. On the other hand, despite its "non-mandatory" nature, do not be convinced that it is useless, because on the contrary, it remains a provident guarantee that can be extremely relevant for you and possibly your family.
Your basic personal protection, included at least in your home insurance, is civil liability, which protects you from any damage you may cause to third parties, but your personal coverage is excluded.
Each year, there are millions of French people who are subject to domestic accidents, the outcome of which is very variable: from a small cut or burn to injuries with very serious consequences and resulting in physical disabilities, death in the worst case. This is where the accident of life guarantee comes into play: in the event of an accident of which you are both the victim and the responsible, you will still be compensated.
This is the same if ever the person responsible for the damage is not identified: you are covered. This insurance does not only concern physical or psychological damage, its scope of coverage is very wide and it is also activated if the after-effects following the accident which are of a moral, financial or aesthetic nature. You therefore have no responsibility to prove to be taken care of.
Why take out an accident of life guarantee?
comparative life accident insurance
The accidents of life happen every day without the need for severe care and fortunately! A small fall in rollerblading or a small burn usually needs a consultation with your doctor or a visit to a pharmacy so that everything will be fine afterwards.
Unfortunately, this does not always happen this way: some accidents have much more serious consequences than a simple scratch or a large bruise and require very extensive follow-up and care.
The consequences of such an accident completely change your life and cause serious consequences after your accident (permanent disability, partial disability, paralysis, etc.) that neither social security, nor your mutual or other subsidiary insurance will cover. These after-effects also require special arrangements which can once again be entirely at your own expense.
What is supported?
This is where the Accident of Life Guarantee comes in to protect and relieve you. It supports:
Bringing your home and your vehicle up to standard according to your degree of handicap or disability: this requires very expensive arrangements.
Daily assistance: the days are hard to manage with a disability and as a result, help is provided to assist you in the tasks that become more complicated after an accident: taking care of the children or the house, preparing meals, manage all the administrative cogs that all this implies, etc.
Compensation for the loss of professional income if you can no longer work.
Cover for aesthetic damage and other cover for accident coverage.
In the event of death, your loved ones are supported in various procedures.
This is why it is important to take out accident-of-life insurance, to protect yourself from everyday accidents and protect your loved ones. If you want to find good insurance at the best price, we advise you to make several insurance quotes and compare them, having noted beforehand the guarantees you seem to need the most.
Things to remember before subscribing
Please remember that:
comparative life accident insurance
The insurer cannot ask you for a medical questionnaire, your contract depends only on sudden daily events to come and not on your medical liabilities;
The younger you subscribe, the more attractive the rates will be. Be careful, however, some insurers set a subscription threshold limited to 65 years;
You can insure your family (spouse and child (ren)). You can also ask your insurer for a price on your contract if there are several of you to subscribe at the same time, some of them agree to negotiate and apply a small discount;
The lower you choose a disability rate for coverage, the higher the contract price will be. This is not a bad thing, often the care will also be much more effective.
Harmonization of guarantees: the GAV label
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