Living in France: How to Convert American Car Insurance History

[Sponsored article] When moving abroad, having to organize everything from scratch can be overwhelming to say the least. Enrolling in a school, dentist or doctor is enough. But when it comes to filing paperwork, things can start to get tricky. When you factor in the requirements of different countries, the French’s love of detail, and the difficulty of doing all this in a foreign language, it’s the perfect storm!

Fabian from fabrentin insuranceA French auto insurance broker provides insurance advice.

Insurance is a complex subject. Insurance policy details can be difficult to grasp even at the best of times, and with a mix of the above complex issues, insurance coverage is what French expats worry most about. It’s no surprise that it’s one of the top three.

What is unacceptable in France?

People often assume that the information they need to obtain insurance in their own country is sufficient. Unfortunately, this is rarely true and there is no point in providing documents that French insurance companies simply do not accept. Typical examples of documents that will not be accepted as evidence of previous warranty coverage include renewal letters or quotations or renewal quotations. This may sound insurmountable. But fear not. If you understand exactly what the French insurance company needs, you can provide it to them and all will be well.

What do French insurance companies expect?

All French insurers require a comprehensive breakdown of your insurance history before you can take out insurance. In France this is calledun relevé d’informations” And it is personal to each insured driver. This is a legal document covering the last 3-5 years (depending on the insurer) and includes details of incidents related to policies, claims, vehicle characteristics and proof of “no claim bonus equivalent”. I’m here.“Bonus Mars” Also “CRM” This document covers all the major points required by the new insurer. That is, proof of no damages in insurance, an accurate list of claims, and proof of no-claim discounts, NCDs. We also need a list of named drivers. French car insurance covers the vehicle, not the driver. However, insurance companies want to know who the main driver is in case a claim is made. This is also beneficial for the nominated driver if they purchase insurance later, as they already have an insurance history.

Required insurance history must cover the last 3 years, and if you changed insurance companies during this period, proof from all relevant insurance companies showing the start and end dates of the various policies you will need a letter. UK insurers often offer this in a ‘proof of no claim’ discount certificate which can be provided after the policy has been canceled. It could be something else, such as a driving record.

Insurers also want to see uninterrupted coverage periods with no gaps. It is possible to enroll in insurance even if there is a short break. However, any suspension of premiums for more than three months in the last three years could result in a significant increase in premiums. So it’s best to avoid gaps if possible.

As far as French insurance companies are concerned, even if a quote or renewal notice states a 6-year NCD, there is no guarantee that no claims have been made during this period. They require either a table providing details of all claims made or a statement explicitly stating that “no claims were made during the period of coverage”.

Conclusion

And finally, good news! As mentioned above, being a designated driver on your policy is helpful when insuring your own vehicle, as you don’t have to be a previous policyholder to receive the discount. Happy motoring!

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Find the deal that’s right for you in terms of coverage and cost.with auto insurance broker It’s a good idea for those who can choose policies from the full range of insurers. They will be able to clearly explain the options available, the level of coverage offered, etc. This saves both time and money. Of course, stress too!

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