Taking out car insurance is a legal obligation, but beyond the constraint, it’s above all essential protection for you, your vehicle and other road users. Between the different formulas, optional cover and variable rates, it’s not always easy to find your way around.
At Insurcap7, we’ll help you make the right choice by offering you personalized, transparent coverage tailored to your budget.
Here are our key tips for choosing the car insurance that’s right for you.
1. Define your driver profile
First of all, ask yourself the right questions about your personal situation:
Are you a young or experienced driver?
Do you drive a lot, or just to and from work?
Do you use your vehicle professionally?
Is your car new, used or electric?
👉 Your profile has a direct influence on the type of contract you choose, the level of cover you need and the premium you pay.
For example: a young driver with a second-hand car will not have the same needs as a seasoned driver with a top-of-the-range vehicle.
2. Choose between the three main types of car insurance
There are three main levels of coverage, each with its own advantages and limitations. The choice depends on the age of your vehicle, its value and how you use it.
🔹 Third-party liability insurance
This is the mandatory legal minimum. It covers only damage caused to others.
✅ Ideal for small budgets or older vehicles.
❌ It does not cover repairs to your own car.
🔹 Third-party + (or extended third-party) insurance
This includes third-party liability, plus certain additional coverages, such as theft, fire, glass breakage or natural disasters.
✅ A good compromise for a car of average value.
🔹 All-risk insurance
The most comprehensive formula. It covers all damage, including that for which you are responsible.
✅ Recommended for new or high-value vehicles.
💡 In the event of an accident, you’re compensated, even if you’re at fault.
3. Select useful optional benefits
For a contract that’s truly tailored to your needs, you can add additional coverages to suit your lifestyle and priorities:
0 km Assistance: for assistance even in front of your home.
Driver protection: covers bodily injury in the event of an accident.
Replacement vehicle: useful if your car is immobilized.
Replacement value: reimburses the purchase price in the event of total loss of a recent vehicle.
Extended glass breakage: to include headlights, mirrors, panoramic roof, etc.
👉 Don’t pay for unnecessary coverage: personalized coverage is better than a standard contract.
4. Compare deductibles
The deductible is the amount you have to pay after a claim. It varies from one contract to another, and can have a major impact on the actual cost of your insurance.
Low deductible: better compensation, but higher premium.
High deductible: lower premium, but higher out-of-pocket expenses.
💡 Pro tip: check the deductibles for each type of claim (glass breakage, theft, at-fault accident, etc.), not just the overall amount shown.
5. Evaluate the quality of customer service
A good price is good. Good support in the event of a problem is even better. Choosing car insurance also means choosing a reliable partner in the event of a problem.
At Insurcap7, we make it a point of honor to :
✅ Advising you clearly and transparently
✅ Be responsive in the event of a claim
✅ Offer you contracts that are easy to understand, with no nasty surprises
✅ Accompany you in all your dealings (subscription, cancellation, modification)
6. Think about your changing needs
Your car insurance needs may evolve: change of vehicle, moving house, switching from personal to professional use… So it’s essential to regularly reassess your contract.
📆 An annual review with a broker can be enough to adjust cover, renegotiate your rate or take advantage of new offers.
You can cancel your contract at any time after a one-year commitment, to change insurer without penalty.
7. Use a broker to save time (and money)
Sorting through all the offers can quickly become complex and time-consuming. That’s where your car insurance broker comes in.
At Insurcap7, we offer you the best solutions on the market, in complete independence:
A contract 100% adapted to your profile
A clear, jargon-free offer
A competitive price
Personalized support from the moment you sign up
📝 In a nutshell: the 7 keys to choosing the right car insurance
| Step | To remember |
|---|---|
| 1. Define your profile | Young driver, professional use, new or old vehicle |
| 2. Choose the right formula | Tiers / Tiers+ / All risks |
| 3. Add the right warranties | Assistance, glass breakage, driver, etc. |
| 4. Check the deductibles | Avoid unpleasant surprises after a claim |
| 5. Focus on service quality | A good insurer supports you, not just collects from you |
| 6. Reassess each year | As your needs change, so does your contract |
| 7. Going through a broker | Save time, money and peace of mind |
🚀 Need a quick, personalized quote?
Our team is on hand to offer you the car insurance that really suits you, without obligation and at the best price.
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