Have you found auto insurance for your vehicle? Now is the time to take the subscription step! Discover the elements, the documents to provide and as well as the information to know before taking out your car insurance contract .
How to take out an auto insurance policy?
Online subscription
Today, it is no longer necessary to travel to an agency to take out an auto insurance contract . You can do it from your couch! Online subscription is the same as with an agent. You must fill in some information, provide the necessary documents and sign online.
after selecting the best car insurance offer for your vehicle, you can finalize the subscription of the car contract on the insurer’s website .
Underwriting with an agent
Our comparator also offers you the possibility of continuing to take out the car insurance contract directly with an interlocutor .
For this, you will be called back by phone to complete the process. You will be accompanied step by step in the subscription of your contract.
For the rest, nothing changes . You must provide the same information and the same documents as when subscribing online.
In what name should the auto insurance contract be taken out?
When taking out car insurance , it is necessary to tell the insurance company which people will be driving the insured vehicle. There are different types of conductors :
The main driver : this is the person who will regularly drive the car.
Taking out insurance in his name for another driver must be clarified with the insurer to avoid a possible lack of insurance;
The secondary driver : if the car is regularly used by someone other than the main driver, it is necessary to declare a secondary driver.
It is quite possible for a vehicle to be driven by several secondary drivers .
The occasional driver : depending on the cover provided by the insurance contract, it is possible to lend the insured vehicle to one or more occasional driver(s). This is the “flying wheel loan” guarantee .
What documents do I need to provide to take out auto insurance?
When subscribing to an auto insurance contract , a certain amount of information must be provided, in particular with regard to the profile of the insured and the vehicle covered. You must provide three mandatory documents for your car insurance .
It presents the characteristics of the vehicle (model, power, date of entry into service, etc.). can help to complete certain procedures.
Getting insured without owning the vehicle: is it possible?
Insurers can accept the subscription of a contract without the insured being the owner, provided that they clearly indicate this when drawing up the contract.
It is mandatory to prove your driving ability by presenting a valid driver’s license when taking out car insurance. The license must be adapted to the category of the vehicle to be insured (B license for a car).
It is possible to take out an insurance contract with a foreign licence . However, it must be valid in France . These are European permits.
For countries outside the European Union, this is not possible . It is necessary to request a license exchange . In addition, it is even recommended for European nationals to carry out this exchange to facilitate the procedures, in particular during a car accident .
The information statement indicates the driving history of the driver(s) of the vehicle to be insured . This document draws up, among other things, a history of all the claims that have occurred (as well as the possible liability of the insured) and gives the bonus-malus coefficient associated with the previous contract. It is essential to provide an information statement when subscribing, since it is used to calculate the amount of the auto insurance premium .
Please note, if a secondary driver is added to the contract, his information statement will also be required and his driving history will have an impact on the amount of the contributions.
When taking out car insurance, the insurance company provides the new insured with a certificate of insurance – or green card . Initially, a temporary certificate can be produced, pending the sending of the definitive document.
This certificate is used to indicate during a police check that the vehicle is covered by car insurance and not in default of car insurance , which is punishable by law .