How to insure your car online?

How to insure your car online?
The digital revolution has also affected the world of automobile insurance: with almost all insurers, it is now possible to carry out all the necessary steps to insure your vehicle completely dematerialized, on the internet or by telephone. This new remote subscription method can prove particularly practical in certain situations where short deadlines are necessary, and also allows insurers to offer more flexible offers or adapted to certain needs.

The online auto insurance policy
The online subscription of an auto insurance contract generally follows the same steps as a traditional subscription, but is done entirely electronically, on the Internet or by telephone. You must therefore have the appropriate equipment as well as all the necessary documents in a digitized version.
The different steps
 The online questionnaire
The insurer generally suggests that you complete an online form in order to find out your needs and to perform a simulation. You will thus have to inform the type of vehicle, the use which you intend to make of it (daily or occasional, in town or for longer journeys ...), but also your place of residence and especially your profile and your history in matters of claims. automobiles, for a period of up to 10 years.

You will then enter the coverages you wish to take out - remember to inquire before embarking on the simulation! As a reminder, insurers generally offer the following formulas:
 Good to know
A false statement about your background puts you at significant risk. If the insurer finds out at the time of a claim, it may terminate your contract without notice and will not compensate you for the damage caused. Worse, you may have to reimburse claims that have already been compensated in the past.
Third-party insurance: this is compulsory, and covers your civil liability in the event of an accident, that is to say bodily injury and material damage that you could inflict on others;
Third party insurance "plus" or intermediary: it often includes a basic damage guarantee (fire and theft, glass breakage, natural disaster, possibly collision), a personal driver's guarantee (in the event of bodily injury that you could suffer) or further legal protection in the event of a dispute (legal fees, legal fees, etc.);
Comprehensive insurance: these are the most comprehensive insurance formulas, where we often find a mechanical breakdown guarantee, an all accident damage guarantee, vehicle content coverage, or even replacement compensation in the event of theft. or destruction ... A wide choice of options is generally available.
However, each of these guarantees is often available individually, à la carte. You can easily compose a tailor-made contract online, adapted to your needs and your budget.
I insure my vehicle to a third party: what I need to know
 The estimate
Based on this questionnaire, the insurer will offer you a quote containing the amount of the premium you will have to pay. This bonus will include a certain number of bonuses and penalties depending on your profile and your background. The most frequent penalty concerns young drivers (license holders for less than 3 years), who are subject to an increase of up to 100%.

Based on the questionnaire, the insurer can also refuse to insure you if it considers your profile to be too risky.
Quote online
 The subscription
If you accept the insurer's proposal, then the contract is deemed to be taken out. This will then be sent to you for signature. He understands :

The general conditions, which describe in particular the guarantees, their scope and the excluded situations, but also a description of your rights and obligations;
The special conditions, which summarize the information you have communicated to the insurer, as well as the guarantees taken out and the amount of the premium.
Documents to provide
You will need to provide the following documents to your insurer to validate your contract - to subscribe online, you must have them in digital version:

A valid driving license, allowing you to drive in France
The vehicle registration card, which is valid even if the document is not in the name of the insured or it has been issued abroad
A rib
An information statement detailing your history over a period of time, usually around 24 months
All official documents related to previous claims
 Good to know
The information statement is a legal document that accompanies you throughout your insured life. This includes your past as a driver