an idea that no longer scares

More than one in four French people say they are ready to consider doing without car insurance. L’Auto-Journal explains why this is actually a very bad calculation…

It is a study by the insurance company Leocare, which our colleagues at RTL were able to consult, which shows thata significant proportion of the French are ready to do without insurance solely for the purpose of saving money. A particularly bad calculation!

What does the study show?

The insurance company’s survey was conducted with a representative sample of the French population, 1,000 people strong. These are aged from 18 to 65 years and have been divided into three categories: 18-34 years, 35-49 years, 50-65 years. Data were collected using an anonymous questionnaire.

Faced with inflation and rising prices, the French are looking to make legitimate savings. Motorists are not comfortable with rising fuel prices, insurance, repair costs, tolls soon.

So a significant number say they are ready to give up the insurance (even if it is mandatory) to save a few hundred euros that could be spent on something more useful and important in appearance.

These are like that 27% of the French say they are ready to consider skipping car insurance in 2023. Among the 18-34-year-olds, this figure even rises to 36%. (compared to 20% for those over 50)

If the idea can be understood in theory, in reality it is a very poor calculation.

Also read:

How do you understand your insurance contract correctly?

Car insurance: tips to reduce the bill!

How to choose the right car insurance?

What possible consequences?

Car insurance weighs heavily on the budget of drivers if 61% pay more than €40 per month. However, not having this green card exposes the driver to a heavy verbalization of €750 and even €3,750 in case of a repeat offense (plus the possibility of confiscation of the vehicle, cancellation of the driver’s license, etc.). If checks seem infrequent and the risk seems worth the effort, consider the following.

In the event of an at-fault accident, Guarantee fund for compulsory insurance (FGAO) will bear the compensation to be paid to the victims. Don’t cry victory too soon, this fund will then turn, legitimately, on you, refunding the costs incurred, all compounded by a 10% increase.

Depending on the severity of the accident, the amounts can be astronomical, several hundred thousand euros to several million So before they go to swell the ranks of the 800,000 drivers who drive without insurance, think about the idea of ​​finding yourself paying for your entire life to finally save “only” a few hundred euros.

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