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Assurance-Efficace.com

The Clever Guide to Insurance, and especially of the Insured.

By an independent person who shares good deals about insurance.



For those who are wary of the effectiveness of insurance, this clever guide will help you understand and analyze your insurance contracts, in order to receive the best possible service from your insurer. Use your insurance options that are cheap or free because it is included in certain insurance contracts. In short, save and do not be taken for pigeons. Indeed, this site lists some tips offered by some insurers but also comparators, lists and other online tools are also available to help you in your search. This will help you choose the best insurance for your needs based on your lifestyle. It remains for you to compare and choose the best at the best price guaranteed contract.

Definition Insurance and Insured

The definition of insurance, and the insured.
A contract between insurer and insured, enables him to protect himself even the others, but also his property.

A contract that was written by you and your insurer must be clear and precise. You must apply all the clauses in the same contract, so that in case of problems your insurer can give compensation without being able to challenge that same compensation whatever nature.

The insurer has to protect you and represent you in case of problems encountered, it must also ensure that you have met your agreement to the letter, to make it valid and incontestable An example: If you have an accident with your car, but it has such smooth tires, MOT or past date, your insurer will not take care of you, and that, after the report of an expert appointed by your insurer. This report will assert itself to your insurer that you have not complied with the cklauses votrez of the insurance contract, rendering it null and invalid.

The insurer must compensate you in accordance and in relation to your insurance contract that was previously written by your insurer in your presence when setting validity of the latter.

The insurer must meet the deadlines for reimbursement of costs or repair of your property in your favor if it is appropriate.

The insurer has an obligation to inform you in case of modification of a contract to which you have subscribed. He must also inform you about any change in an insurance contract (withdrawal or addition of an option in the contract amendment thereto, changing reimbursement schedules ...)

The insured must respect the clauses of the contract made with the insurance company that the contract remains valid, for there is no opportunity to challenge the part of your insurance firm.

Other Insurance Good Deals

Auto insurance
Factors to be taken into account to benefit from total protection from your insurance company, and good planning options.

Troubleshooting Auto Insurance
Made vehicle towed by a convenience store in case of breakdown up to a garage, throughout Europe, 24H / 24, for about 4 euros per month.

Deposit Insurance Auto Rental
Make a deposit when renting a vehicle. And get refunded in case of any problem (such as an accident). This is a kind of insured safety deposit. An option available with some kind of credit cards.

Insurance Cheap Flights
Do you pay your ticket in case of impediment or unable to travel.

Repatriation insurance
Emergency repatriation insurance for travel at abroad. It's free if you book your flight with your credit card. CB VISA simple enough.

Insurance Compare List
Compare different insurance companies offers to find the best contracts and the best price. Car, health, home, funeral, cash borrowing ... Compare with your insurance and put it to the test.

Insurance Revenues
Revenue in case of impossibility to work, (ex: accident). Perceive monthly income of relief.

Insurance Credits
It guaranteed the insured against the risk of non-payment of its own credit, following a financial problem, which does not allow him to repay his credit.

Insurance Lodging
While analyzing the insurance contract in order to avoid the vices of compensation procedures in case of problems. How to put all the odds on his side to be repaid in case of burglary or fire.

Credit Card Insurance Included
The credit card and its benefits free insurance formula included. Check your credit card agreement to know the insurance included.

Winter Sports Insurance
For 3 or 4 euros (or by paying with your credit card) on top of your ski pass, you can have insurance for accidents, liability, and mountain rescue station with repatriation and hospital if necessary.

List of Insurance Companies
The list of insurance companies and insurance subsidiaries.

A lawyer in the event of litigation
Avoid long procedures in case of problems. Get quick access to documents requested. Assert your rights and do not be fooled.

Insurance Companies Information
List of information sites and insurance directories. Find information, comparative, addresses, balance sheets ... insurance companies.

Definition and Insurance Basics
The basics to know about the insurer and the insured, and understanding between the two parties. The definition and basic information about the insurance. The 'to' and 'don'ts'.

Interesting information to know about insurance and options. Site written by an independent who made savings in adapting its insurance contracts to its everyday needs.