The auto/motorcycle insurance guarantees

The guarantees included in an auto insurance contract are often grouped and marketed with warranty damages (third, third collision or all risks).

Details of the guarantees

The third party warranty also known as liability insurance is the first level of automobile insurance. It allows to compensate others against the damage that the driver could cause but also to be covered in case of damage with another vehicle in case he is not at fault. In all cases, the third party must be clearly identified.

Other simple safeguards can be included as the defense-use warranty or support.

Because of the lack of written guarantees, this insurance remains inexpensive.

Warranty third collision , also known as collision damage insurance, to compensation for damage sustained by your vehicle in an accident with another vehicle provided that the third party is identified, and that the driver is responsible or not. However, in case of accident without third party identified or only, no compensation will be paid.

Warranty all risks is the most extensive coverage since it covers all cases of damage, responsible or not, with or without third parties identified.
In addition, this warranty most often includes all of the warranties described below. What really makes insurance against all risks.

The flight covers the insured against the risk of disappearance of his vehicle. This warranty is particularly useful when the vehicle is new or valuable. The attempted theft, i.e. degradation of locks, startup or management bodies of vehicles, is also covered.

Vandalism , often included in the flight security. This coverage allows the insured to be paid in case of degradation on the vehicle, even without intent to steal.

The fire and explosion of the vehicle are optional guarantees that cover repairs caused by this phenomenon, originally to be spontaneous or induced intentionally by another person.

Ice breaking is a guarantee that allows the repair or replacement of the windshield, side windows or glasses back. Some insurance companies add headlights; mirrors and glass sunroofs.

Natural disasters and attacks are blankets that allow to be compensated in the event of falling tree on the vehicle for example, or if you are victim of an attack or a terrorist act.

Assistance in case of failure of the vehicle allows to involve a tow truck to repatriate the vehicle to a garage at the most closely. Only towing is supported, repairs remain the responsibility of the insured. Insurers typically offer varying mileage franchises of 30 a 50 kilometres from home, however, some contracts offer "zero kilometre", i.e. the support for your at-home.

The legal protection provides support for a conflict linked to the vehicle, the settlement until the fees in the event of trial. However, this warranty does not cover the penalty that could be made to the insured, only the costs of representation at the tribunal are supported.

Defence use allows the insured to delegate to the insurance company the possibility of a remedy against the person responsible for damages suffered by the insured person.