In a few weeks, your contract of insurance multi-risk comes to an end. You have just received a notice of renewal. With the increase in tariffs promise for 2015, the temptation is great to
look to sign anothercontract. Mistrust! If your decision is based solely on the price, you risk some nasty surprises when thetime comes. In addition
to getting a lower price, look especially guarantees you need andcompensation levels. Here are the key points to adjust to have the contract of insurance as possible themost suitable to your needs.
- Take the time to read and compare the terms of the contract
cancel the contract by registered mail or renew by returning the notice with thepayment of the insurance policy. You have twenty days to receipt of the notice. Which allows you tolook at the offerings from the competition and retain (or not) another offer be most advantageous.
Inthe contract, do not neglect to check if there is a disaster waiting period and for which this applies. Itshould also explain how to report a claim:
delays, documents, time limits for compensation... Finally,insurers are likely to accept the changes of forms of contracts during the year.
- Equip your mandatory equipment housing to prevent disaster
to a monitoring service. In the city, if you live on theground floor, you need to equip your bars or blinder glass windows to restrictaccess to any intruder. Two approaches which have become reflexes because it plays directly on theprice of insurance but also on support or not the sinister. A novelty is added to prevent fire. From2015 onwards, all accommodation must beequipped with a smoke detector, otherwise damage could not be compensated. Arule that should apply to all contracts, without exception. It may also be provided a refusal of insurance if you don't bring proof that your home has a fire as a suitable fire extinguisherequipment and valid
- The speed and simplicity of statement d? a disaster become a competitive element
The success of the Smartphone and the performance of web connections on mobile is revolutionizing
the declaration of disaster. Insurers are more likely to propose an application dedicated to the disaster
declaration. So, a few minutes after a disaster,
you can have deposited your folder, including withattachments like photos
attesting of the loss. Equivalent insurance contract, which can play it is thesimplicity of the declaration. According to the companies, your file may be
pre-filled and automaticallyfill in a few questions: type of loss, cause, consequence... These small applications have made savingvaluable
time in the processing of claims and payment of compensation. This is a new setting tocompeting insurers.
- Only the warranty exclusions listed on the contract are valid
If all contracts will refuse to support a claim in an earthquake or even from an act of war, for othercases
of exclusion that is specific to each contract: buildings, goods, specific circumstances... For eachwarranty
claim, be sure to list these exclusion cases. For example, if you live near a river, verify that thecase of floods is supported. If you have a pet, see if it is referenced as a dangerous animal or not. On the other hand, to acts of terrorism and the attacks, support is mandatory since 1986. In all cases, thecontract is
necessarily explicit exclusions. An insurer may not invoke an exclusion if it is not writtenblack on white
on the contract. And whether it maintains its decision, you can raise this case with the authority of prudential and resolution and the Directorate General for competition, consumption and
repression of fraud (DGCCRF). These organizations will fail to call to order the insurance company.
- Declare the reality on your housing and goods that compose
If there is a point in the contract of insurance both to get the price for support in case of disaster, thisis the information on your housing and property that make it up. Each information influence thedownward or upward price: floor of housing, mode of access to the building, number of pieces, dateof housing, heating type... Better then declare the reality on the surface,
location and equipment inhousing. For the latter, it happens that it overstates the value of these assets.
It is indeed better todeclare a global value slightly greater to anticipate the future and the purchase of new equipment orwell still the recovery of jewelry's value. But there is a difference between
declare property € 30,000 ifthe true value is only 12 000 euros... and ensure for 15,000 euros.