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Driving
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 19/05/2008, 9:43
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Ron Avery
Joined on 29/11/2004
Posts 3,099
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Re: Cost of insurance in France
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But NCB is really just a myth in France, its a starting figure. As others have said, the max is generally about 50%. There is not protected NCB that I have come across and if you have a blameworthy accident you will pay a very high premium for a number of years before you get back to your original status.
What does vary is the rate of recovery, so if you are in that situation it pays to shop around and ask how your insurer calculates it, I moved from Groupama to Pacifica as the period and rate of recovery was quicker and less loaded respectively with Pacifica. But a word of warning for all yet to have an accident, they do not argue the toss over blame for years, if there is any element of doubt as to blame its 50 - 50 and a lot of accidents like hitting whilst changing lanes on an autoroute that would be treated as being the fault of one driver are treated 50 -50, you can say and do what you like, they decide and that is it, even if the other party admits blame, Be very clear what you write and draw on the constat it cannot be changed when you get your senses back!!
Driven away by an idiot
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19/05/2008, 10:32
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Jay
Joined on 26/09/2007
Posts 54
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Re: Cost of insurance in France
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 Bob T wrote: |
Wise words in the last sentence Jay. Shame that you illegally drove your car on UK plates for nine months though.
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Why a shame? I was actually stopped by the police 6 months
into our stay and breathalysed, they looked over the car, checked the plates
and insurance/CT in the windscreen and wished us a good day (in perfect
English) – no problem. The insurance company didn’t see it as a problem either,
they gave us insurance for 6 month then extended it for another 6 when we hadn’t
completed the changeover to French plates.
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19/05/2008, 11:47
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Clair
 
Joined on 23/08/2004
------- Forum Moderator ------- Lot
Posts 6,264
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Re: Cost of insurance in France
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| cooperlola wrote: | | Ron Avery wrote: | | But NCB is really just a myth in France, its a starting figure. As others have said, the max is generally about 50%. There is not protected NCB that I have come across and if you have a blameworthy accident you will pay a very high premium for a number of years before you get back to your original status. |
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Not so, Ron. MAAF offer NCB ("Bonus a Vie") to anybody who is accident free for 3 years. They keep their 50% rate for life, once the three years is up. |
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You beat me to it! That's what we have had since last year.
Clair, a Real Virtual French Person
La vérité est si obscurcie en ce temps et le mensonge si établi, qu'à moins d'aimer la vérité, on ne saurait la reconnaître. (Blaise Pascal)
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19/05/2008, 13:30
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Clair
Joined on 23/08/2004
------- Forum Moderator ------- Lot
Posts 6,264
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Re: Cost of insurance in France
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We started off with Pacifica (CA insurance) then when I had more time, I started looking around. MAAF came out slightly cheaper but mainly they were so approachable, there really was no debate.
I have the house, gite, car and scooter insurances with them.
Clair, a Real Virtual French Person
La vérité est si obscurcie en ce temps et le mensonge si établi, qu'à moins d'aimer la vérité, on ne saurait la reconnaître. (Blaise Pascal)
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19/05/2008, 13:42
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cooperlola
Joined on 05/05/2006
72 - Sarthe - home of les 24 heures du Mans
Posts 6,315
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Re: Cost of insurance in France
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We are also impressed with MAAF and in fact insured the second car with them this year, as you get a further discount as a result. What's more, they did all the cancellation letters for the old policy on our belhalf - even coughing up for the registered post costs. Very efficienct thus far but, of course, you never really know until you make a claim, do you?
Healthcare Issues Site
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19/05/2008, 13:52
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cooperlola
Joined on 05/05/2006
72 - Sarthe - home of les 24 heures du Mans
Posts 6,315
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Re: Cost of insurance in France
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I reckon that using an English speaking broker is really useful when you're in the throes of moving and have so much to sort out - for that reason we found Nick (and no doubt there are plenty of others) a real godsend. The sale of our UK reg RHD fell through 2 days before we were due to move, and of course our UK insurer did not want to know. But a couple of faxes and phone calls later and it was all done, and we drove to France with legal insurance, and had enough breathing space to re-register it once we'd got here. But, now we're established, I've got a bit more cost conscious and have moved to MAAF as a result for both cars.
Healthcare Issues Site
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France Forum » Living » Driving » Cost of insurance in France
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