SUMMARY
Don’t let your contract sleep in a drawer
“In insurance, loyalty does not pay, notes Olivier Moustacakis, founder of the Assurland comparator. There is no need to constantly shop around the market, but every three years or so, you can check if you can find cheaper elsewhere for the same guarantees”. Advice shared by Olivier Gayraud, lawyer for the CLCV consumer association. Insurance comparators allow an initial exploration and are simple to use, even if they only aggregate information from a certain number of partners and the largest insurers are rarely represented. The Hamon law allows you to terminate your contract during the financial year and no longer at the annual end, without penalty or justification (after the first year and with 30 days’ notice). You can also use the information collected to try to negotiate a discount with your current insurer. “It is common for it to align itself with the competition,” says Olivier Moustacakis.
Check the amount of capital covered
You are covered up to the amount of movable capital and valuables that you have declared. If during the contract, you sell a beautiful piece of sought-after furniture, you give a beautiful television or other high-end equipment or even an expensive piece of jewelry to one of your children for example, do not forget to report it if it is significantly reduce the capital covered. “Conversely, do not forget to notify your insurer of property that would increase the amount of this movable capital, because you are only covered up to the amount of your declaration,” warns Olivier Gayraud. Also integrate, for example, newly installed solar panels, a veranda or added rooms. Otherwise, you would not be reimbursed in the event of a loss on these elements, or even on the rest of your home if an assessment determines that the loss started from there.
Report changes within the household
The majority of comprehensive home insurance contracts include civil liability insurance which covers the occupants of the home. “When an adult child leaves, tell your insurer to delete this part of the contract,” advises Olivier Gayraud.
Pay attention to the reimbursement at the new value
Certain options allow reimbursement at the new value of your equipment in the event of a disaster. But they are expensive. Over time, you can opt for reimbursement at the actual value (in this case, the insurer applies a coefficient of obsolescence). “Moreover, certain clauses may provide that reimbursement as new only applies for a limited period of time,” warns Olivier Moustacakis.
Report home protection measures
The theft guarantee integrated into contracts is often conditional on the existence of existing equipment (in particular 3 or more point locks on access doors to the home). If you needed to supplement this minimum with a security installation (camera, central surveillance system, etc.), tell your insurer. “If you have over-equipped yourself, you can consider a commercial negotiation,” says Olivier Moustacakis. There is no point, however, in investing in this objective, as the cost of the equipment and the service itself is high.
Adjust the franchise
You can choose the level of deductible that will be applied to you in the event of reimbursement, that is to say the lump sum amount that will remain your responsibility. “The higher this deductible, the lower the insurance premium,” recalls Olivier Gayraud. This is a risk worth taking… or not.
Combine your insurance
The sector is very competitive. Among the arguments to put forward to your multi-risk home insurer, you can suggest repatriating your car contract for example.
Pay annually
If you can afford it, offer to pay annually. In this case, many insurers offer a discount of 5 to 10%, or even a little more.
2024-01-05 05:06:20
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