how to get them out of your budget?

Home, car, health … Insurance plays an important role in the budget of French families. According to SFAM data, the average budget allocated to insurance is between 1720 and 1750 euros per year. But here it is: this sum could be much lower if you got rid of the no insurance needed who steal your wallet …

Marion Plasse. Some insurance is essential because legally required. This is the case with land vehicle insurance. The owner of a car, motorized two-wheeler, truck or even a commercial vehicle must subscribe. home insurance, too, it is mandatory for tenants. For owners, it is not mandatory but highly recommended.

Marion Plasse. The Complementary health, For instance. Only permanent employees of a private company are required to do so. But everyone should subscribe to it. There is also loan insurance : the law does not oblige it but when it comes to large loans, banks risk refusing if no insurance is taken out.

Civil liability, travel … Beware of duplicates!

Planet. Which are the duplicates that are found more in the various insurance?

Marion Plasse. The responsibilitycivil it’s the classic doubloon. People sign up when it’s already included all home insurance policies. It often overlaps with school insurance. If your children live under your roof, you don’t need school insurance.

It is especially recommended that people find out about their credit card insurance. Often, other specific insurances are incorrectly stipulated. This is the case with the trips : guarantees of cancellation, loss of baggage, repatriation, etc. are stipulated, always paying attention to the conditions. Occasionally, the guarantees apply only to goods and services purchased with the card in questionor protect only the cardholder.

How to get rid of all these useless insurance?

Unnecessary insurance: how to get rid of it?

Planet. How to make sure that there are no duplications between your contracts?

Marion Plasse. Unfortunately, there is no magic solution. The only way is to read all your contracts carefully., and ask your insurer if you have any doubts. You need to check the small lines without neglecting some clauses. In home insurance, some guarantees are optional. for damage and theft of things, for example, the insurance does not necessarily cover things outside the home.

Planet. How often should you check your contracts?

Marion Plasse. Policyholders are encouraged to do so review their contracts annually: check that their situation hasn’t changed before. For a car it can happen that it is used much less, or that the car is older. So there will be less need for global coverage. You have to check your needs and take stock.

With the new laws that allow it withdraw from the contract free of charge after one yearwe also encourage everyone to do so regularly compare offers to find cheaper insurance.

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