6 ways to get new discounts Insurance

It starts from the provision of mandatory reductions in favor of the customers. Insurance companies will be required to play significant discounts (a wasted opportunity the lack of quantification of these discounts) under the following conditions, as previously occurrence or at the time of signing the contract or its renewal:

1. If the insured client agrees to submit your own vehicle to an inspection prior;

2. If the customer agrees to install, on the insurance proposal, electronic mechanisms (so-called black boxes) that record the car's activities or additional devices to ensure the use of the data collected, in particular for tariff purposes and determination responsibilities in case of accident (as listed in the decree of the Ministry of Infrastructure and Transport);

3. If they are installed on a proposal of the insurer, electronic mechanisms of the engine block as a result of the finding of a BAC by the top driver with the limits set by law for the conduct of the vehicles;

4. If the insured waives the possibility of transferring the right to claim damages, in case of accident, in favor of third parties without the consent of the insurance. In fact it often happens that after an accident, the insured obtains, from your trusted mechanic, free repair of the medium, against assignment, in favor of the latter, the right to compensation which will subsequently be liquidated by the insurance. In practice, the workshop will replace the injured in compensation request (possibility, be permitted by the case law). It thus aims to prevent fraudulent agreements to the detriment of the companies;

5. If the insured as a result of an accident, give up the possibility of asking for money damages, but agree to simply repair their vehicles by an agreement with the assurance and confidence of the latter (except, of course, compensation for damages to the person). This subject to the fact that there is contributory negligence. The insurance must still ensure a suitable warranty for repairs carried out by their own workshops, which is not less than two years to all parts not subject to normal wear and tear;

6. As an alternative to the previous point, if the injured undertakes to provide, in case of disaster, information related to the entity that will proceed to repair the vehicle, establishing a deadline to allow an assurance undertaking to carry out the necessary verifications in order to estimate the amount of the damage before repairs are carried out.

Although the text of the new law generically speaks of "significant savings", it will be required to be insured, upon the issuing of the estimate (before signing the contract), highlight the precise amount of the discount practiced in case of acceptance of one of the He said conditions by the customer.

In the case of the black box installation acceptance or other similar devices, the reduction in the premium practiced by the company will have to exceed any cost of installation, removal, replacement, operation and portability directly borne by the insured for mounting said electronic equipment.