Depending on the size of the company and its specific requirements, employees may be required to take business trips abroad, travel for conferences, meetings or even seminars. During their business trips, they are exposed to various types of hazards such as accidents. To better anticipate risks, employers are required to take out auto and travel insurance for their employees. Here is the important information to remember about business travel insurance.
Auto insurance for your personal car
According to the standards established by state authorities, any owner of a motor vehicle is obliged to subscribe to a assurance auto. At a minimum, he must opt for civil liability coverage to cover the damage that his vehicle may cause to a third party. These include material and bodily damage (physical injuries, fractures, bruises, etc.) resulting from an accident. If you drive without this coverage, you risk a fine of 3,750 euros. Depending on the circumstances of the offense, you may receive additional penalties ranging from community service to having your driver’s license revoked.
In addition to the basic package, you have the possibility of adding fire, theft and collision guarantees. For more comprehensive coverage, opt for theall accident insurance. Also known as comprehensive insurance, it compensates for damage caused to your own car regardless of who is responsible for the accident. Consequently, this optional insurance covers the damage you suffer and that caused to your own vehicle, which is not the case for the civil liability guarantee.
In general, personal auto insurance only compensates for damages related to the personal use of your vehicle. If you plan to use it for professional purposes, make sure your insurance policy covers you adequately. A readjustment of the contract clauses may be necessary with the insurer. However, some strongly oppose the idea of changing basic coverage and instead offer insurance policies specifically dedicated to business travel.
How does your company insure your company car?
Like personal cars, company vehicles must be insured. In general, it is the employer who takes charge of thecar insurance for professionals who work in his company for the entire duration of their contract. If the company does not have its own fleet of vehicles, it can request the services of a rental agency. This is a flexible solution to avoid bearing the costs associated with the purchase and maintenance of vehicles. In this case, it is the rental agency which takes care of taking out insurance for employees. It is she who also pays the insurance premium to the insurer.
A company car is only different from a personal vehicle in name. In practice, the process for insuring such a car is practically the same as for that of a classic vehicle. The employer or rental agency will have to choose between the third party, intermediary and all risks formula. They can negotiate the terms of the contract with the insurer to personalize the coverage. While it is true that the insured must pay the deductibles in the event of an accident, he or she can leave them to be borne by the employee in the event of gross negligence.
Very often, some employees let their loved ones (friends, parents, etc.) drive the company car. In the event of an accident, the insurance will cover the expenses provided that the driver is declared to it. If the incident occurs outside of working hours, the company disclaims all liability and it is up to the employee to pay the deductibles.
Travel insurance for your trips abroad
L’travel insurance for business travel is advantageous in many ways. It covers emergency medical expenses, which is beneficial in countries like Canada where the costs of care are particularly high. By subscribing to such coverage, you receive immediate assistance in the event of an emergency, accident or any unforeseen event. In addition, you benefit from help in completing the administrative formalities related to the trip. We are thinking in particular of the establishment of the visa, the passport and other important documents. Furthermore, travel insurance includes repatriation assistance to your country of origin in its clauses.
The guarantees of professional travel insurance vary from one insurer to another. It is up to the employer to choose the insurer that offers plans that fit with its objectives. Since there are many companies that offer this type of service, it is wise to do a thorough analysis of the offers before signing a contract. The best insurer is not always the one that offers a low rate. Likewise, an expensive offer is not a guarantee of excellent quality. By using a travel insurance comparator, you can find the best players on the market. In general, the employee has the choice between une group and individual travel insurance. The first option is recommended for large companies while the second solution is more suitable for small businesses.
How are you covered in health matters?
Since January 1, 2016, any employer in the private sector, except individuals who employ employees at home, must offer a mutual health insurance for its employees. By making this provision, it helps them reimburse health costs in addition to the part reimbursed by Social Security. Although this is a legal obligation, you can opt out of such a proposal if you already have additional coverage. If you have group coverage or a fixed-term contract, you can also decline this offer. By refusing to join a collective supplementary mutual fund, you can benefit from financial assistance from the named employer. health payment.
At a minimum, complementary health insurance must guarantee dental and optical costs, the entire hospital daily rate and the integrity of the co-payment for consultations. In addition to these guarantees, there are other additional benefits to which the employer can subscribe. We are thinking in particular of assistance services, specific prevention systems and third-party payers.
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2023-12-22 22:53:55
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