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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.

Winter Sports Insurance

The insurance for winter sports: skiing, snowboarding and snowscoot. Do not overlook.
For 3 or 4 euros on top of your ski pass, you can receive an emergency and liability insurance:

What is the importance of choosing insurance when practicing winter sports, be it skiing, surfing or snowscoot.
Assuming that the lift pass is about 30 €, it is important to choose the complementary insurance offered with the package for an extra 3 or 4 euros only.
Also benefit from this insurance coverage with your credit card. If you buy your ticket mechanical lifts for winter sports with your credit card, it can include an emergency insurance and civil liability. (see with your banking institution to see if you get this insurance option in your credit card agreement)
(I just learned about this insurance option when paying with our own credit card ... So I just mention it)

By taking this additional, optional insurance, you get a guarantee that allows you in case of an accident or unable to reach the station, to be supported 100% by rescuers, and if necessary, be transported to the hospital. This insurance also provides liability to you in a collision with another skier and if you hurt him, and also for mountain rescue in case of injury requiring the intervention of a humanitarian team.

If you go regularly to winter sports in the mountains, take into account that it is very useful to choose additional insurance which for most of the time you are provided with the ticket and offered lifts.

Knowing that in case of accident, if the emergency services should pick you, this can be either stretcher, snowmobile or helicopter and rescue costs are relatively high and can range from a few hundred euros more.

So if you go to the snow to ride during the winter about fifteen times, see, it is very interesting to choose this additional insurance option that is offered with your ski pass, and for three or four additional euros only. Because remember that in case of accident and / or hospital, you are covered at 100%, so you will have no fees to pay.

Make sure your rental equipment in case of deterioration or theft:

If you rent your gear, and especially if you are an experienced rider, it is good to know that most rental shops offer a form of insurance, the amount is generally between 2 and 10 € (usually 3 or 4 €)

This winter sport equipment rental insurance will cover all domages caused to your rental gear. In fact, you are not immune to any détrioration, ca can go fast of damaging or deteriorate quarters or coating your skates passing on stones hidden under a thin layer of snow, hitting a tree or other obstacle, and especially for those who practice off-piste.

Depending on the hardware you have rented, skis, a surfboard, a snowscoot or even a sled, the repair bill in case of deterioration, can be salty, so do not do it cheap to a few pieces of euros, for know that this formula of complementary and optional insurance will cover any shame caused to the rented equipment.

If you are robbed your rented gear, insurance will reimburse the rental shop and you will not have to pay a dime.

An insurance option to consider, from simple holiday tourists, the experienced rider because in one season, it is quite possible that you mutilate a little or a lot of winter sports equipment.

Crash Man (true story)
I remember a few years ago, we were surfing, and rider is dropped to the side and dislocated shoulder, so not cool to try to descend down to the station. A rescuer came by snowmobile and said simply 'do you want I'll go down the station?' "Yes" said our friend, but the rescuer had not warned that this was going to be paid, and so he was subsequently charged € 350, only a small path behind the snowmobile 100 to 150m alone, rider was not warned that he had to pay, but in accepting to be down to the station, the bill was just beginning.

So let's recap. If this surf practicing rider had taken out insurance with his ski pass, for only three or four euros in addition to the price, while the costs were paid by the insurance company. That's why it is necessary to think and choose this supplemental insurance plan that is proposed to you a very low cost.

Think about it, if you go during the winter snow about twenty times so 20 times tripled euros, which is the price of accident insurance, this will make you a total cost of € 60 for 20 days spent in snow, and we can say that it is price to pay, especially if you realize the risks they incur and the potential costs to be paid in case of accident, return to the station or problems.

You also will often ride in the snow? In addition, if you are a top rider, especially in this case, it is interesting to consider and take out this insurance crash. Assuming that you are 20 days riding snow, insurance will cost a total of 60 to 70 € for 20 days, a great rate when we take into consideration the risks of winter sports.

All stations offer this extra insurance with their ski passes, which can be very useful, and, remember, for a small additional fee, which varies between three and four euros only after the winter sports resorts. I let you think, but think carefully, because a low cost, you can actually save money in case of problems or accidents.

By the way, wish you a good holiday and good ride.

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.