Buying a car: is your car insured when it leaves the garage?

By | December 29, 2022

Your plan to buy a new car is coming to fruition! Everything is ready, you get it back, but one question is bothering you… Are you well insured to bring back your vehicle?

Car insurance, from when ?

The law is very clear: any motor vehicle must be insured. Two wheels, three wheels and immobilized vehicles are also concerned.

As soon as you buy a car, you must have an insurance, effective from the date of possession of the vehicle. This means, for example, that you must be insured on the way home immediately after the purchase of the vehicle, whether from a dealer or a private individual!

How do I take out a contract?

To better compare the prices of the different insurers, take into account different elements that impact the amount of your premiums: the options subscribed, the mileage of your car, etc.

You haven’t had the time to compare the different offers or you don’t want to commit yourself too quickly? Opt for a temporary car insurance! This will give you more time to choose the insurance that suits you best, with the basic guarantees you need to get behind the wheel.

What car insurance coverage should I choose?

While insurance does not make you immune to accidents, it does protect you from financial harm. You can opt for basic insurance or for more extensive coverage.

Third party or third party liability insurance is the minimum coverage required by law. In the event of an accident for which you are responsible, it covers only the damage caused to third parties; your own damage will not be covered. In the event of a claim where you are not at fault, the damage is not covered by your insurer either.

If you are buying a new car, you should opt for comprehensive insurance, which is the most complete type of car insurance on the market.

Driving without a car contract: the lack of insurance

Since January 2019, the fight against the lack of insurance has increased. Now, police officers and gendarmes have access to a file that allows them to detect any uninsured vehicle.

By driving without car insurance, you expose yourself to the lack of insurance, a heavily punished offence. In addition to a fine of 3,750 dollars, you risk additional penalties depending on the circumstances.

Drive insured, and this from the moment you acquire your vehicle!

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