From home insurance to health, through those related to mortgages, means of payment and telephones, insurance contracts pile up over time without even noticing it. In the end, this accumulation of fixed and recurring costs weighs heavily on a budget, especially since these premiums are increased from year to year.
In the space of ten years, between 2010 and 2020, auto, multi-risk home and health insurance premiums have, according to Assurland.com, increased by 16%, 33% and 39% respectively. So how do you clean up your contracts and gain purchasing power? To begin with, you have to make a list of your different protections and take the time to check them one by one to find out if they are still suitable for your current situation.
“You have to carry out this inventory every three or four years, because staying with an insurer for a long time never means having the best rate. On the contrary, they are always increased”, advises Olivier Gayraud, lawyer at the consumer association CLCV. Thanks to this simple verification exercise, it is already possible to see if you have duplicates, that is to say if you are insured several times for the same risk.
“Some platforms are sometimes marketing tools: they are not exhaustive and are not implemented before the contracts of a handful of companies. » Olivier Gayraud, jurist
It is also an opportunity to update the guarantees, in other words to add or remove them according to your needs. “Thus, a car that has become old may no longer need to be insured against all risks. Also, don’t bother paying for a high-end optical option in your insurance if you don’t wear glasses.” says Olivier Moustacakis, co-founder of Assurland.com.
Then, it will be useful to play the competition again in order to compare the offers of the moment. Many online comparators are useful at this stage of the search. “But you have to take the precaution of using several to get an idea of the market. Because some platforms are sometimes marketing tools: they are not exhaustive and are not implemented before the contracts of a handful of companies. Sometimes mutuals are absent,” points out Olivier Gayraud.
Another point of vigilance: these comparators tend to classify the proposals by price, going from the cheapest to the most expensive. Or this criterion of choice is not enough in insurance. “It will be necessary to read the small lines of the contract carefully, that is to say examine the guarantees covered, find out about the level of deductibles and read the list of exclusions. And sometimes there are many of them. advises Antoine Guiony, consumer policy officer at the National Federation of French Families.
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