A driver’s license specialist who promises young car insurance for 9 euros per month, another actor who offers a contract for even less… But what is the reality of these discounted price contracts?
Two out of three French people believe that their car insurance is too expensive according to a recent study carried out for Locare. Indeed, the average amount of this compulsory insurance contract is constantly increasing, with a jump of 5% on average in 2023. According to Assurland, it will thus be necessary to pay an average of 630 euros to insure your vehicle this year.
A colossal budget, especially for the youngest. It is in this context that the number 1 French code and driving trainer, Ornikar, offers to insure young drivers for less than 10 euros per month.
For its part, Acheel, the inserttech supported by Xavier Niel, displays an entry-level price of 8.14 euros per month after a year’s license. Traditional insurance companies don’t know young drivers, they have no way of knowing whether they drive well or not, so they bludgeon in terms of price, explains MoneyVox, Benjamin Gaignault, co-founder of Ornikar. Conversely, at Ornikar, because we train them, we know them and have confidence in them.
A call price for former students
The call price is 9 euros per month for our Ornikar students, which are 400,000 per year: third-party insurance, for the best Ornikar students driving a cheap second-hand car and living in the provinces, specifies Benjamin Gaignault.
Indeed, for people who live in the Paris region, for example, insurance rates will always be higher since the concentration of vehicles is very high, with a higher risk of collision than elsewhere in the territory.
In addition, it should be borne in mind that third-party insurance is the minimum compulsory cover for drivers. While it protects you against damage caused to others, it does not cover damage to your vehicle or your medical expenses in the event of injury.
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Ornikar also recognizes that this entry price benefits a minority of its 4,500 customers with auto insurance. Indeed, the average price of contracts insured by Ornikar is 500euros per year to the third party (i.e. 41euros per month) and about 850 euros in all risks (i.e. 71 euros).
Take a good look at what is covered and what is not.
In any case, Olivier Gayraud, lawyer for the association Consumption Housing Framework of Life (CLCV), advises not to choose your car insurance only according to the price. The amount of the contribution is not always the most important element to take into account, warns Olivier Gayraud, jurist the association Consumption Housing Framework of Life (CLCV). Take a good look at what is covered and what is not. And don’t forget to check the amount of deductibles.
These low-cost offers can meet certain needs, but you have to bear in mind that the prices presented are obviously call prices and with the bare minimum in terms of coverage, analysis for MoneyVox Samuel Bansard, spokesperson for Meilleurtaux Assurances. Depending on the type of vehicle, driver profile and location, it is certainly possible to have this price, but it will be difficult to benefit from it for a young driver.
2023-05-14 06:02:05
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