check your car and home insurance contracts carefully before you travel

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Before you go on holiday, it is important to check what is or is not covered by your insurance in case of damage. Whether it’s for a home or a car, make sure you read your contracts carefully so you don’t see your compensation reduced.

As much as an accident happens quickly, so does the damage. It is not a surprise, the absence of owners or tenants in a house encourages criminals to break into homes and at the same time break into cars that have not moved for days. Therefore, it is strongly recommended read the clauses in your contracts carefully car and house insurance, so as not to get unpleasant surprises in the event of damage.

In fact, as MoneyVox airs this Sunday, July 14, the Assurland comparator urges you to prevent “immediately your insurance company” in the event of a break-in or damage found on return from holiday. More precisely you have a period of five days, based on the results to declare a claim. In the event of theft, this period is reduced to two days.

What should you check in your contracts?

First, check that your summer equipment, such as your swimming pool or garden shed, is included in your home insurance policy. If you are a tenant, make sure you have taken one out resort guarantee which protects your equipment in case of damage (fire, water damage, etc.). Regarding your car insurance, do not underwrite it or reduce the guarantees taken out, even if you plan to leave your vehicle at home.

“It is imperative to continue to be covered, the car can be stolen, there can be a fire. Our advice is to keep the same level of guarantee, unless the stay is really very long.”, warns Christophe Sabadel, automotive and mobility product manager at Maif, to our colleagues. If you plan to take your car on a long trip, make sure you have blankets assistance, excess depending on the drivers, a mileage offeretc.