Car. You have been terminated, what insurance to continue driving?

You can see your car insurance contract terminated for various reasons: high number of responsible claims, non-payment of premium, license withdrawal, false declaration, attempted fraud, etc.

First consequence of the termination, you are considered as a risk profile. Still, the law requires you to hold a contract to drive. Suddenly, your profile will complicate the search for a new insurer.

Challenge the decision or not?

If the reason for this termination seems unjustified to you, you can perfectly try to negotiate with your insurer. If it also failed, taking legal action is possible. The steps you are about to take take time and imply that you do not drive for the duration of the procedure.

In all cases, you are registered in the Agira (Association for the management of information on risk in insurance) termination files and all insurers and brokers consult this database before making you a proposal. Or not.

A registration with serious consequences

The reason for termination is recorded in the Agira automotive termination file for two years, unless your insurer has terminated you for a claim (five-year period).

If an insurer agrees to insure you, he can make you pay an additional premium ranging from 50% to 150% (if you are responsible for an accident under the influence of alcohol). If you cannot find an insurer, you can enter the BCT (Central Pricing Office) after choosing an insurer. The BCT can oblige an insurer to offer you a third-party contract (no other choice).

Find insurance

You can of course turn to companies that have specialized in the insurance of maluss├ęs and terminations. Problem, they are generally more expensive than traditional companies but you could at least choose your coverage and thus better protect yourself. Even if the rates are high, they allow you to drive legally with a good level of guarantees. Insurance comparators can help you in your research.

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