Your tailor-made insurance budget
Insurance is often a constrained expense that represents a large part of your budget: 3.2% of household consumption expenditure in 2017, according to INSEE. Cancel duplicate contracts to save.
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Avoid duplicates
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A good blanket keeps up
Since the Hamon law, it is possible to terminate some of its insurance contracts at any time, after the first year has passed, without costs or penalties. You might as well take the opportunity to regularly take stock of your coverage and make sure that the contracts you have taken out still hold up. The other point of this review is to ask you about your real needs: they may have changed since you took out your policy.
For example, if you took out comprehensive damage insurance when you bought your car, this formula may no longer be suitable after a few years. At the end of five years, you can downsize and, in addition to the compulsory third party insurance, only the theft and fire guarantees. If you are keeping your car for a few more years, consider canceling these last two guarantees and only keeping third party insurance, as soon as your vehicle is no longer listed on argus.
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Avoid duplicates
It may happen that you are insured several times against the same risk without knowing it. For example, when you book a trip, a train or plane ticket, you are almost always offered to take out trip cancellation insurance. However, this guarantee is automatically included in the insurance attached to high-end payment cards (Visa Premier card, Gold Mastercard) when you pay for your transport ticket or your trip with your card.
This situation of duplication is more and more frequent: it can occur when you take out a specific contract (such as school insurance, insurance for your bicycle or your electric scooter), a contract combining multiple guarantees (such as multi-risk home insurance). ) or, independently of any insurance process, when you pay with your payment card or when you buy any good or service.
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The most frequent duplicates to check
If you have taken out several insurance policies covering the same risks, you cannot be compensated twice. Apart from the case of personal insurance, such as death insurance, for which the benefits can be accumulated, the indemnities paid by insurers can never exceed the amount of the damage suffered or the value of the insured property. It is therefore better to avoid paying two contributions when one contract is sufficient. It remains to be seen what guarantees are likely to duplicate. The Financial Sector Advisory Committee has identified several (opinion of 20 March 2012).
Travel insurance. Trip cancellation, delay, loss of luggage: possible duplication between the guarantees automatically included in the insurance linked to payment cards, if you have paid for the trip with your card, and the specific insurance marketed by tour operators and travel agencies. The same goes for snow insurance, which often duplicates those provided for in high-end bank cards.
Car rental insurance. Reduction or elimination of the deductible remaining payable by the tenant in the event of damage to the car: possible duplication between the guarantees automatically included in the insurance linked to payment cards, if you have paid with your card, and those offered by car rental companies.
Property damage insurance. Contracts taken out in addition to the purchase of goods covering the risks of malfunction, loss, theft or damage to the good: possible duplication between specific contracts and guarantees included, automatically or as an option, in multi-risk home for damage caused by fire, water damage or theft in the insured home. But no duplication in the event of breakage or when the damage occurs outside the home insured for insurance covering mobile devices (smartphones, tablets, laptops, etc.). Risk of duplication with the guarantees provided in the event of loss, theft or damage attached to certain high-end payment cards.
Extended guarantees.
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