deductible buyback
Like many other motorists, you certainly choose your car insurance contract according to the price rather than the guarantees included. However, after a claim, you remain responsible for the amount of the deductible, that is to say the sums that you must pay after compensation. With deductible car insurance, you benefit from coverage of repair costs in the event of a claim without application of deductibles.
Auto insurance Redemption of “approved garage repair” deductibles from the Auto 4D Matmut contract
By taking out auto insurance with Redemption of "approved garage repairs" deductibles, we do not deduct any deductible from the compensation for damage when:
repairs to your vehicle are carried out by an approved Matmut garage,
you transfer ownership of your accidentally destroyed or stolen vehicle to us.
Deductibles of the Auto 4D Matmut contract
In the event of a claim, you may be subject to fixed deductibles or a percentage deducted from the amount of repairs carried out on your vehicle.
For example, depending on the formula and options taken out with the Auto 4D contract
in the event of vandalism or if your vehicle is set on fire, a fixed deductible can amount to several hundred euros
in the event of glass breakage, an excess amounting to 15% of the cost of replacing your windshield in the event of windshield breakage remains your responsibility.
With the “approved garage repairs” deductible buyback guarantee, these deductibles are not applied.
What is the Auto 4D Matmut contract's Auto 4D Matmut policy?
Third
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Third-Theft-Fire
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All risks
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All Risks Plus
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Franchise redemptionRedemption of franchises – repairs by approved garages
Optional (1) Optional Optional Optional
When should you take out the “Approved garage repairs” deductible redemption guarantee?
If you wish to limit the sums that remain your responsibility in the event of a claim, opt for car insurance with Redemption of “approved garage repairs” deductibles.
Its amount may vary depending on:
the auto insurance plan chosen,
of your vehicle,
of its use...
On the other hand, if you are ready to financially assume part of the costs in the event of a claim, not opting for the Redemption of “approved garage repairs” deductible option will allow you to limit the cost of your car insurance premium. If you have any questions, talk to our advisors.
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The strengths of Matmut Auto Insurance
Car insurance: 24/7 assistance
24 hour support
in the event of an accident or breakdown: no one is left on the side of the road
Replacement vehicle
Replacement vehicle
so as not to remain immobilized
Juridic protection
Juridic protection
included to defend your rights following an accident
Driver Protection
Driver's warranty
compensation for injuries included up to 1 million euros
What does an auto insurance deductible do?
Purchasing auto insurance ensures you get compensation for certain damages. Your car contract specifies for which loss you are covered. It also indicates the damages for which an excess is applied and how it is calculated.
The car deductible allows car insurance companies to encourage drivers to take responsibility by involving them in the payment of their claims. It encourages drivers to drive more responsibly.
What are the different types of franchises?
The car deductible may vary according to the insurance contracts. Different types of franchise exist.
Simple deductible or relative deductible
With a relative deductible, the insurance contract indicates that the damage:
are not covered if their amount is less than a fixed and specified sum
are fully covered if the amount of damage is greater than the amount of the deductible
The absolute frankness
The absolute deductible is the most common. She may be :
fixed. The amount deducted from your compensation is specified in the contract and always remains the same, regardless of the damage.
proportional. Damage is covered if the amount is greater than the deductible. The amount is calculated by taking the difference between the amount of the costs generated by the claim and the amount of the deductible.
Deductible in days
The deductible in days sets the number of days during which the guarantee remains valid.
The Natural Disaster Deductible
When the loss is linked to a natural disaster, the deductible is set at an amount of €380 as specified in Annex I art. A125-1 of the Insurance Code
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