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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.

Home Insurance

Beware of housing insurance. Read your contract carefully to avoid the vices of compensation procedures in case of problems.
Before insuring your home, be it a house or an apartment, be sure to read the contract.

Insurance flights and Burglary:
If, for example if you get robbed, we'll have you to show your insurer that your doors, windows and shutters are solid and that the locks are in line (solid and resistant offense).

If the expert insurance has seen the damage offense, and if it finds that your front door is not solid, the windows instead of shutters or that your locks are not sufficiently resistant, it Perhaps you are not covered by the insurance company if the expert's report is unfavorable.

This is why it is very good and useful to have insurance, but it is still necessary that the latter take care of everything, and if problems should not be as it is something to challenge.

In the previous case we have seen that the expert insurance may eventually challenge in the case of a burglary of your home if your locks, doors or windows are not solid, then, as they will not be considered compliant with standards of the insurer, the latter does not take incharge expenses for reimbursement of property that was stolen, and believe me, if insurance may not pay for dédomager you because some clauses mean that your insurance contract becomes zero, and therefore invalid, they are not going to gener! Ah, it's about that when we see an insurer, it takes our money quickly and you sign a contract without checking if the latter agreement will automatically apply to you in case of problems.

Your insurer will not specify the small details such as the soundness and compliance of your locks, doors and shutters, to make your insurance contract 100% valid if seed but not, most of the time you take your money, and if you enjoy worry no refund because the insurance expert will always find small details that will ensure that your insurance policy will be invalid.

So be careful when you sign a contract to be insured, read it entirely, it understood toddlers texts can be found downstairs in the corner or the front double-sided, it is also necessary to its housing standards that is to say, doors, windows and secure locks.

Some companies that will ensure your home may require you to have a burglar alarm in your home, it is mandatory that the contract between insurer and insured remains valid, remains to be seen with your insurance company if an alarm should be must present or not in your home, depending on the contract.

Remember that in case of burglary, one must put the odds on your side. It is not necessary that the insurer is something to say or to contest. By following these details with your insurer, everything is crystal clear, and you're sure to be refunded in case of theft of your property.

Fire insurance.

You have insured your home against fire? You made a contract with your insurer and you pay the necessary fees. Ok, but you'll be compensated in case of fire?

Some factors to consider in order to get compensation in case of fire:

-Do You have a gas boiler or oil in your dwelling? This is it consistent? Are laucaux the standards? Should a dividing door, a ventilation? Inquire well with your insurer, because it could refuse to compensate you in case of house fire if the expert considers that your home is not the standards related to the insurance contract.

-Do You have electric heaters? Is that there are potentially flammable objects near a heater? And she even your electrical system, it is the standards? Have you RCDs mandatory to be in accordance with 300mA power consuel standards?

-Keep You Inflammables objects you (fuel container, motorcycle or car in the garage ...)?

-If You live in a villa in the countryside, did you do the clearing in accordance with the canton of standards?

So many little details to take into consideration, but be sure to read your dwelling fire insurance policy to not be a victim of non-reimbursement from your insurance disaster.

Summary: In general, your insurance policy, read what is written in small print behind, bottom, yes, which is almost unreadable :) This is often that it is important to read.

Legal Assistance:
In your home insurance policy, if you have purchased the Legal Protection option, you can receive free legal assistance in your private life, as well as legal advice for nuisance facts by neighbors. A useful insurance option to possibly add to your insured home contract if you have not already.

Legal assistance is proving very useful in many cases, too, it is important to consider the latter, and therefore the purchase dassuré in his contract.

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.