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Car insurance is compulsory for all motorists and protects you in the event of an accident, breakdown, theft or glass breakage (such as an impact on your windscreen). Get a free car insurance quote in 2 minutes!
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Car insurance: everything you need to know to be well insured
Looking for the best car insurance to protect your vehicle? Although car insurance is compulsory, there is no reason to take the first one you are offered. Coverage, plans, deductibles, rates... We've put together a handy guide to car insurance. Fasten your seatbelts, here we go 😉
Understanding the intricacies of car insurance
What is the deductible in car insurance?
First of all, we’re not talking about one deductible, but several (just to complicate things). The deductible is the amount that will be deducted from any reimbursement you receive in the event of a claim. The higher the amount of your deductible, the lower the price of your car insurance . But this also means that in the event of a claim, the amount of your compensation will be lower than with a low deductible.
Let’s take a simple example: a car collides with yours, once the accident is declared, you make a claim for €1,000 (to repair the damage). With deductible of €240, we will reimburse you €760.
What is a provisional cover period?
The provisional cover period for your car insurance is the time between your purchase and the receipt of your final green card. During this period, you are of course insured, but only for third parties, while your contract is being validated.
With Lovys, for example, you benefit from a temporary cover period of 15 days during which you must send us documents (vehicle registration, driving licence, etc.), otherwise we will not be able to activate your car insurance. This practice is widespread among insurers.
Please note that this is not the same as temporary car insurance. In fact, temporary car insurance is for drivers who only want to protect their vehicle for a very short period, from 1 to 90 days.
How much does car insurance cost?
Very good question! It is very difficult to estimate the price of car insurance. Why? Because it depends on many factors: the driver’s profile, the vehicle to be insured, the claims history, the plan and the options chosen, etc.
What we can tell you is that the price of Lovys car insurance starts at €9/month. But because we like you, we’re going to give you some estimates from 2020.
- For a third-party plan, you need to calculate an average of €528 per year, or €44 per month
- The price increases for an intermediate plan and reaches €596/year, so €49 per month
- Finally, all-risk plans are logically more expensive, on average €715 per year (€59.50/month)
How do I cancel my car insurance?
You can cancel your Lovys car insurance in your client space on-line at any time. However, since this is compulsory insurance, we will ask you to give us your reasons for cancelling.
This is a much simpler process than with other insurers where you have to wait until the anniversary date of the contract and send your request 3 months before that date. Did you know? Lovys cancels your current insurance free of charge when you subscribe a new contract.
What does the bonus-malus mean and how is it calculated?
Your bonus-malus allows the monthly premium for your car insurance to be increased or decreased. It is specific for each driver and depends on your conduct as a motorist.
The bonus-malus system is a requirement for all insurers and is recalculated every year. How is your bonus-malus calculated? It’s very simple, it simply takes into account the number of claims declared over the year. If you have not made any claims, you are entitled to a bonus (hurray). Otherwise, you will be hit with a malus.
- The bonus-malus is increased by 25% for each claim where you are responsible.
- It is increased by 12.5% for claims when you are semi-responsible (an accident where each party is at fault).
- On the other hand, it decreases by 5% if you have not declared any claims or for claims where you are not responsible.
As you can see, the system rewards careful motorists. The more bonus-malus is close to or equal to 0.5, the cheaper your car insurance will be. Note that the bonus-malus is 1 when you get your licence.
How do I get car insurance?
Car insurance is one of the compulsory insurances, if the police stop you and you cannot show proof of insurance (the green sticker on the windscreen), you will be fined.
Not having insurance for your car is an offence punishable by a fine of €500, the withdrawal of your driving licence and community service. Please note that even vehicles that are not on the road must be insured to avoid risks connected with the battery and the fuel on board.
But let’s get back to the point, it’s easy to get car insurance. In fact, you can run car insurance simulations on the internet, and choose the one that suits you best.
To get a free quote from Lovys, you will need to answer a few questions about your car, its use, and your profile. There’s nothing complicated, you will have your simulation in a few minutes and you will be able to insure yourself quickly. You will receive your temporaryl insurance certificate right away.
What is a “carte grise” (registration certificate)?
A carte grise is simply the identity document for your car! Otherwise known as the vehicle registration certificate, it identifies your buggy. It includes:
- The licence plate number
- The date of its first registration
- The identity of the owner (you)
- Technical characteristics (power, etc.)
The vehicle registration document is valid for the life of the car, provided, of course, that the information on it does not change. This is why it is imperative to have a new one made every time there is a change of ownership. Or if you lose it.
The price of a vehicle registration document varies according to the vehicle. You can do a quick simulation using the simulator set up by the government.
Choosing the best car insurance for your profile
With your tests completed (it wasn’t that easy or is it just us?) and your driving lessons finished with flying colours, you now have your driving licence. Looking for your first young driver car insurance policy.
The calculation of the price of car insurance is based on many factors (including the category of the vehicle). But above all, on an estimate of the risks connected with your driving. Since you have no driving experience, known in the jargon as insurance history, the price of your car insurance will be high for the first few years.
Because insurance companies have no way of knowing whether you are a careful driver or a reckless driver, your monthly premiums will be higher than your parents, for example. Many insurers simply refuse to cover young drivers because the risks are too high.
Driver with a penalty (malus)
As mentioned above, the bonus-malus system is a calculation based on your behaviour on the road. The more at-fault claims you make (accidents, for example), the more you will receive a penalty (a “malus”). And so, the price for your car insurance will increase.
And despite high insurance premiums, many insurers refuse to insure drivers with a bad record. In fact, the more accidents you have had, the more likely you are to have even more accidents, at least in the eyes of the insurers.
That’s why it’s generally advisable to look for specialised insurance that will be able to protect your car, at a price that is not necessarily prohibitive.
Reaching the sweet age of retirement may mean having acquired an undeniable level of wisdom. But when it comes to insurance, passing the age of 60 means above all that the price of your senior car insurance may increase.
Reflexes, eyesight and hearing diminish with age, which is why, once retired, you are considered more likely to make claims. As a result, your insurance rate may increase. However, as you will potentially be driving less, and thus doing fewer kilometres each year, you can avoid this increase. So there is a fine balance to be found!
I drive very little
So, what kind of car insurance do you need if you don’t drive much ? There are several solutions for your low-use car insurance:
- Car insurance per km: only pay for the kilometres you have actually driven
- Low-mileage car insurance
- Classic insurance
In all cases, you will be asked during the subscription process to enter the number of kilometres you usually travel in a year. The less you use your car, the less your insurance will cost. That’s right! The less time you spend on the roads of France and Navarre, the less likely you are to have, or cause, accidents. It makes sense 😉
I cover a lot of kilometres every year
Whether you’re travelling around France for work or pleasure, your car is rarely in the garage. You run your engine all day long and drive more than 10,000 km every year. It is not easy to find competitive insurance under these conditions.
The best thing to do is to compare offers, do free car insurance simulations and be sure to contact your home insurance company. Why? If they offer car insurance, your insurer may be able to give you a discount on your second policy.
Car insurance depending to your car
Sedan, Berlingo, Citroën DS, C3, Picasso, it doesn’t matter which car you want to insure, the important thing is to compare offers. Look at the prices (obviously), the guarantees, the plans, and especially the exclusions. As for the new Citroën Ami, since this is a miniature car not requiring a driving licence (known as a “quadricycle” in Europe), it will need an insurance policy for cars not requiring a driving licence.
Do you need insurance for your Peugeot? The good news is that 2020 has seen the average price of Peugeot car insurance fall by around €10. If the trend is to be confirmed this year, you should expect to pay around €803 per year to protect your vehicle. The Peugeot 406 won the lowest cost insurance award with an average rate of €646 per year. On the other hand, if you drive a Peugeot 208, the best-selling car in France in 2021, you will have to pay €1,025 each year.
Because of their engine power (the horsepower), the German manufacturer’s luxury sedans are generally relatively expensive to insure. In fact, the price of Audi car insurance can go up to €2916 per year! This is especially true if you are a young driver with a car like an Audi A5.
Insuring your BMW can also be expensive. On average, you should expect to pay around €1,051 each year to insure your BMW. However, this price can quickly inflate. The more powerful the vehicle, and if it is new, and especially if you have a bad rating as a driver, the price can easily double.
The average price of insurance for a Mercedes varies hugely depending on the class of vehicle. For example, Mercedes A-Class cars cost an average of €1,200 to insure each year. While insurance for the E-Class cars costs around €920 per year, a significant difference. Once again, drivers under 25 years of age will have to pay twice as much as their older counterparts.
Seat car insurance rates also vary depending on the car. In fact, insuring a Seat Leone 4 is more expensive than insuring the famous Seat Ibiza.
How can the huge difference in price be explained? It’s very simple, there are several factors to consider:
- The age of the driver
- Adding a second driver
- The power of the car
- The condition of the vehicle (new or used)
- The driver’s bonus-malus level
- The type of fuel
- The plan chosen; All Risks is the most expensive
All these parameters are taken into account when calculating your insurance for a Seat car.
Want to know which Volkswagen is the cheapest to insure? Easy, the winner is the Touran. Car insurance for the Touran is on average €649 a year. At the bottom of the ranking are the Volkswagen Sirocco and the Golf 7. Both of these will cost you an average of more than €1,100 a year for car insurance.
Twingo, Clio, Captur and Renault Megane are among the best-selling cars in France in 2021. The French manufacturer’s models are so popular perhaps because they are relatively cheap to insure. In fact, the average price for car insurance for a Twingo peaks at €595. No wonder this town car is so popular.
Did you know? The Opel brand started out by selling sewing machines! It was only 36 years after it was created that it turned making cars. Among its most popular models are, of course, the Opel Corsa and the Opel Astra. Car insurance for an Opel Corsa costs on average €818 a year.
American, Japanese, and Korean manufacturers
Between 2020 and 2021, Ford car sales fell by 6.8%. Despite this, the manufacturer has seen its average sales price increase, thanks in particular to the widespread popularity of SUVs. Their cars are relatively economical in terms of car insurance. For example, the annual price to insure a Ford Puma 2 is €780.
Depending on the insurance plan you choose the annual price for your insurance can vary dramatically. See for yourself.
This calculation takes the following into account: the driver’s profile (age, bonus-malus, etc.), the category of the vehicle, the addition of a second driver, the profile of the second driver, the condition of the car (new or used), and the number of kilometres driven each year.
Although the brand was acquired by its competitor, Hyundai Motors in 1998, Kia remains the oldest South Korean car manufacturer. Among its flagship models is the Kia Sportage, an SUV crossover that the brand has been making since 1993! Just that. On average, you should expect to pay €743 per year to insure your Kia Sportage.
Eccentric billionaire Elon Musk’s electric car is gaining more and more fans in France. The only downside is that insuring your Tesla is no easy task. Few insurers offer insurance for both the vehicle and its batteries. And for good reason: lithium batteries are exposed to risks of fire or explosion. Although they are stable, very few insurers are taking the risk of protecting them at the moment.
Less well known than the Honda Civic, the Honda CRV is still one of the best-selling vehicles in its class. It must be said that the brand has enjoyed a very good reputation for many years. You will need to pay an average of €617 per year to insure a Honda CRV,
For several years now, Toyota has been one of the best-selling cars in the world. In fact, at least 1.13 million Toyota Corollas were sold in 2021! Since its creation, the Japanese manufacturer has sold 41 million Corollas! Toyota Corolla car insurance costs €700 per year.
Rogue, Qashqai, Juke, Nissan SUVs are all the rage at the moment. Family cars, often with several drivers. But did you know that adding a second driver to your Nissan car insurance increases the price?
Details of Lovys car insurance
How do I get my car insurance quote?
Easy, just click on free quote! Your Lovys car insurance quote is available in a few clicks for free on our website. Do a simulation, you might want to change your insurance.
What is the 0km assistance option?
Imagine the scene: you’re late for a very important meeting, you get into your car, and then the drama begins. Your vehicle refuses to start. Since you are insured with Lovys and you’ve chosen the 0km assistance option with a replacement vehicle, there’s nothing to panic about. On the contrary, you know that we’ll quickly send you a vehicle of the same category as yours. In short, the 0km assistance option of our car insurance allows you to get help, even in front of your house!
Is vehicle assistance included in all the plans?
Our 0km assistance is only available as an option for all the plans. You can choose to subscribe or not. Without this option, you will have to pay the costs for repair.
Is glass breakage included?
The glass breakage protection covers damage to:
- Your windscreen
- The side windows
- The rear window
- The headlights
- As well as a glass roof
This cover is automatically included in the Extended Third Party and All Risks plans. It is not available for the Simple Third Party Single plan.
How can I change insurer and subscribe with Lovys?
Good news. We will take care of the cancellation of your current contract for you, free of charge! No more administrative headaches, we take care of everything for you. 😊 How? If your car insurance policy is one year old or more, we will only need a few details (including your policy number) to cancel your policy for you. However, if your contract has not yet reached its anniversary date, you need to ask your insurer about the cancellation procedure.
Which vehicles are covered by Lovys insurance?
When deciding whether or not to insure your car, we consider two criteria. The price class, specific to each vehicle, ranging from A to V. And the power of the vehicle and the danger it presents, which is rated from 20 to 50. At Lovys, we go up to the letter R and up to 36. Huh?! Here are some examples of the powerful cars we insure: Jaguar F-Pace, Audi Q5, Volkswagen Tiguan, and BMW Series 4.
What is the difference between simple third party, extended third party and all risks?
The fundamental difference between these three plans is the degree of protection for the car and the person behind the wheel. The all-risk formula is the only one that protects the driver in the event of an at-fault accident. This means that if you inadvertently hit a car, only the All Risks option will reimburse you for the damage to your vehicle, and for any bodily injury suffered.