There may be a delay in the implementation of new rules for young drivers. Without delay, from 25 October, the new drivers in Quebec as Chelsea Parasuco (with instructor Wendy Craddock) will have 24 hours of theory and 15 hours of instruction of the road before getting a driving license. There may be a delay in the implementation of new rules for young drivers. Without delay, from 25 October, the new drivers in Quebec as Chelsea Parasuco (with instructor Wendy Craddock) will have 24 hours of theory and 15 hours of instruction of the road before getting a driving license. Photo credit: Marie-France Coallier, The Gazette MONTREAL - The fact that they need more time to prepare their own personal self Quebec schools have asked the Minister of Transport of Québec to delay the implementation of new engines proposed compulsory schooling for new drivers. Under the current rules, applicants for a license in Quebec do not have to attend driving school. The government had proposed to make education compulsory from October 25, with 15 hours of mandatory training course and 24 hours of instruction in the classroom. But the driving schools say they are not ready for the change will take place at the end of next month, and have asked Transport Minister Julie Boulet for an extension of two months. They want to see a January 1 start date. An official with the society of the Quebec Automobile Insurance Friday morning confirmed that the schools have been in contact with the office of the minister. And the ministry has asked us to examine the feasibility of an extension, "said Gino Desrosiers Journal saaqi." No decision has yet been made. " The classroom was abolished compulsory in Quebec in 1998, after it was introduced in 1983. The change was made because 15-years period show no significant decline in the mortality rate among young drivers in traffic. But now, a reflection of the government that the old theory courses do not focus enough on the negative consequences of risky behavior such as speeding and driving a car drunk.
Wednesday, October 7, 2009
The best auto insurance for your profile
To help you find car insurance that offers the best value, Capital has established 16 types of profiles insured and past the mill dozens of contracts. On Capital.fr discover the comparative profiles of eight drivers: student province under thirty in stock Audi A3 ... Between traditional insurers, bankers and skilled players on the internet, the competition is fierce in the market for automobile insurance. In its October issue, Capital gives you all the keys to help you find the contract that best suits your needs at a competitive price. For this, the writing has drawn portraits of types of insured and compared the bids from 27 institutions in putting forward the best proposal ... and the worst. In addition to that folder, Capital.fr published rates of 27 contracts for 8 patterns of drivers: those who have suffered multiple losses, a father with his son in the secondary driver, craftsman using his car to tour, student province ..........
Mekong Sub-region: signing of a memorandum on car insurance
The 4 countries in sub-Greater Mekong (Thailand, Vietnam, Laos and Cambodia) have recently signed in Bangkok (Thailand) a memorandum on compulsory insurance of vehicles in transit. "This will help promote the development of the insurance industry," said Trinh Thanh Hoan, head of the Department of Management and Control Assurance (Vietnamese Ministry of Finance). It is a realization of the Framework Agreement for ASEAN which facilitates the transit of goods among its members.
Mutual Blue arrives on the market for auto insurance
Mutual Blue now offers a range of insurance products for vehicles. Cars, motorbikes, motorhomes or caravans, all vehicles "rolling" contracts can benefit from the mutual which previously centralized health, individual and collective. By signing a partnership with Nexx-insurance subsidiary Covéa (company comprising also MAAF, MMA and GMF in particular), the Mutuelle Bleue settles on the market for property insurance. "The strong demand for members and market led us to propose the insurance damage" explains Olivier Raimbault, CEO of Mutual Blue. Mutual then leaves her to rush specialist health Market of the car, at first, before launching a product early 2010 housing. Members of the Mutual as New customers can purchase one of four guaranteed contract auto (formulas and third and two thirds expanded formulas all risks) in agency only. Moreover, it will go in one of the agencies Mutual Blue Island in France, in Midi-Pyrenees or agency Metz to sign a contract. Communication around this product is exclusively reserved for those areas yet, and customers in areas of the website. Employees of agencies have received about this "3000 hours of training" to prepare the distribution of new product from Nexx-Insurance. The insurer "direct" Covéa has a team dedicated to Mutual Blue for information on the life of the contract and claims management. Meanwhile, Mutual Blue continues to develop and install new agents on a rate of 2 per year according to a statement. With 30 branches, its network is divided between the Isle of France (25 agencies, including 5 in Paris intra-muros), the Midi-Pyrenees (4 agencies) and Metz (1 agency due to merger). The next two agencies should open in Val de Marne and Essonne Announces Mutual.
Bikers Quebec slow traffic to protest rising insurance rates
Hundreds of motorcycle enthusiasts Quebec spent the weekend parked in front of the Legislative Assembly to protest against increases in the cost of registration for their vehicles. E 'was the 16th in a series of cycling events in regular and high profile held on weekends from April - dubbed Operation Snail. The mass of demonstrators reader through the streets of Quebec at a minimum speed, to protest against the increase from the board of the Quebec Automobile Insurance. But this is the first time have taken their anger on the steps of the legislature, the behavior of many hotels and camping the night before returning Sunday. The protesters argue that the province is discriminating against bikers and ask for a moratorium on rate increases for 2010. They also call for the resignation of Transport Minister Julie Boulet provincial. Registration fees for motorcycles have been achieved in recent years, some more than tripled. Running with the most powerful models were the most affected, because the annual cost of fortification of $ 667 in 2008 to $ 1030 this year and there is another increase in 2010 - up to $ 1410. Quebec Automobile Insurance Company, or saaqi, who hopes to protect the sport of cycling devotees who claim they are over-represented in accident statistics. The council said it was paying more than double for the victims of motorcycle accidents that were killed in other incidents in the Quebec public insurance system without fail. The car owners to pay about $ 260 a year for registration and pay the owners of two-wheel less powerful by about $ 518 a year. And despite the protests, the board of the insurance refuses to compromise on the new awards. In August, the Council has made a concession to the protesters, saying he would consider the fee increases in the fall, but not delete the fee increases in 2010. Chairman of the Board of Harbor Insurance saaqi John says that can not afford a rate freeze. "A moratorium is simply not possible," he said. "Physically, physically, mathematically, we can not. If the council is rolling in profits that we might consider this approach but with the current deficit - we're talking about $ 2.4 billion last year - we can not . A new analysis of accident rates will also be presented and form the basis for the restoration of scale fees. Harbor argues that the increases are necessary because drivers of two-wheeled vehicles are often more severely injured in accidents. "The risks are not the same," he said. Driver "This is not because they are poor - they simply do not have the protection." But Jean-Pierre Belmonte, president of the Foundation Promocycle dedicated to improving road safety for motorcyclists, calls "the argument nonsense. Although it agrees that motorcyclists are more vulnerable, he noted that pedestrians and cyclists are also covered by the council of insurance and pay no taxes at all. He also said that the age and experience are the most important factors in determining whether a person will be involved in a traffic accident. "We are barking at wrong tree," he said. "There are four million people who own car (province), for example. It 'hard to believe that four million people are at different levels of risk." Harbor admits the current solution is far from perfect and there is still room for improvement. However, he expressed regret that the Council is trying to recover the tax rate. "In the end it was for the benefit of motorcyclists, because we have argued for something like $ 1 billion since the Council was justified," he said.
Monday, October 5, 2009
Clinical audit of car seats for children
Resources Section and actions of the Police Service in Longueuil, will hold a clinic for checking car seats for children, Saturday, September 12 next, from 10h to 16h, at two locations in the city of Brossard either:
Since October 29, 2002, the code of road safety requires the installation, any child measuring less than 63 cm, sitting in a baby seat. The audit does not usually more than 10 minutes if the seat is properly installed in the vehicle.
How to choose your coverage two wheels?
Motorcycles, scooters and cyclists are no exception to the rule. Like the car, both wheels must be provided to allow the driver to drive safely. It is even mandatory! Because of its specificity, the motorcycle insurance demand special attention to the options proposed. Insurance companies and mutual funds are numerous and practice of different pricing policies depending on options. Is it better to choose a specialty insurance or general insurance? What are the options available and what kind of guarantees do they offer? Here are some keys to see you there.
To ensure a two-wheeler, you can choose between two families of insurance company specialized or general insurance. Each formula offers safeguards similar to auto insurance, namely civil liability, warranty and any damage risk.
Rates vary depending on the intended coverage and risk calculation. Find an insurer who agrees to guarantee your brand new 50cm3 at any risk at an attractive price will not be easy.
To move a rule, the minimum coverage required is liability. This basic formula is also more accessible, but in case of damage, repair of your motorcycle are your responsibility! Given the vulnerability of the motorcycle and the driver, it is wiser to consider the clauses covering you better if something goes wrong.
Like auto insurance, the more comfortable is the "All Risks" that protects your gear while you are responsible for the accident. Logically, the price of premiums soaring.
In addition to traditional collateral, insurers offer to customize your policy through a variety of options: cons flight (highly recommended), vandalism, the value of buying nine of the bike, warranties extended. Remember also to include accessories such helmets, top-box. In short, to save money on your insurance is not necessarily a guarantee of peace for the future but most will make sure to fit your needs!
Auto Insurance: Covéa KHS GM and associate cons hail
The group Covéa, including insurance companies auto MAAF, MMA and GMF, chose to partner with KHS Hail Management to launch a unique concept of total care of hail claims. Auto insurance in case of hail is now a new dimension with a mobile platform dent removal: an effective system.
Hail insurance auto play its role effectively
The device launched in partnership with companies MAAF, MMA and GMF and GM KHS is operational for several weeks in Toulouse and may be triggered in any French region in less than a week. The principle of this innovation in auto insurance is simple: the complete platform will assume A to Z and in the shortest time drivers with auto insurance in MAAF, MMA and GMF whose vehicle has been damaged by the hail. Setting up a dedicated phone line, administration, vehicle loan, expertise, dent removal and cleaning are all steps which are carried out centrally through this program.
An automobile insurance system optimized
With the new system platform mobile dent removal car pitted, underwriters auto insurance MAAF, MMA and GMF benefit of an evaluation and a quick repair. Experts mobilized to reduce the downtime of the vehicle to a day on average five years before cons. Moreover, the centralization of operations added to the provision of a single point greatly simplify the process for policyholders. Cost side too, the data has changed since the partnership between the three brands has multiplied the volume of cases handled and thus reduce the costs of repairs. Auto insurance makes sense thanks to this innovative concept.
Auto Insurance: Minutes and thumbnail control
Your control technique is validated? Note, however, verification is only visually (without disassembly), it is by no means a mechanical balance of the car. The report issued is simply highlight all the elements of safety and pollution may be defective. It also has the advantage of direct garage to a precise estimate, pointing to make repairs, mandatory or optional.
Your car has passed the technical inspection with success?
- It gives you a receipt to keep with the car documents
- Buffer A (accepted) is affixed to the gray card
- The sticker CT (duly slotted the date of the next visit) is stuck on your windshield
Attention!
This sticker adhesive tear easily. If you need to change your windshield, remember to request a duplicate control center that you have been issued.
If repairs optional
If you are advised to make repairs, you can still continue to travel with your vehicle.
In case of mandatory repairs
- The controller marks the letter "S" on your registration papers, indicating the date of the visit-cons
- You have 2 months to make repairs, move the cons-visit and get the badge
- Meanwhile, you can continue to run your vehicle. And if I do not make the repairs?
Without repairs and the past two months:
- Your vehicle must pass a complete control
- You may withdraw a registration card and a fine of 90 € for a payment in 3 days, 135 € for a payment between 3 and 45 days, 375 € Over
- You may be a safety hazard and put your safety at stake, that of your passengers and other road users
Anticipating: gestures to everyone
Or "how-cons spared a visit ... without an ace mechanics.
Lighting and Signaling
- Must operate: turn signals, marker lamps, stop lamps, illuminating the license plate, lights and road crossing
- Check also that they not dazzle other road users
- Optical and studs must be in perfect condition (no broken or cracked)
Facilities
Must always be checked:
- Seat Mounts
- Seat Belts
- Mirrors External (s) and internal
- Front wiper
- Beeper
Budget familial: les assurances
With a little cunning and resourceful, can earn up to € 389 per year by negotiating its assurances. Here our numerical solutions and approved. September arrives with his waltz of shopping and hard blows to the budget. And so it was time to put your expenses flat? Not petty, but in a sustainable manner, to consider history in 2010 serenely. Water, electricity, phone / internet, insurance, car, clothes and food, everything has to sift through. Here's what to Answer Any offers to reduce your insurance budget.
Change insurance every 2 or 3 years
Contrary to appearances, change auto insurance, home and health is easy and can make 20 to 40% savings. To boost your purchasing power, "the ideal, according to Stanislas di Vittorio, director of the comparator www.Assurland.com insurance is to go elsewhere every two or three years, because for the first year, your contribution has had time to grow. " But before you decide, compare your estimate with those of other insurers and do not try at all costs the least expensive insurance, but rather one that really fits your needs. So if you have valuable furniture, do not hesitate to take out home insurance that includes theft guarantee, even paying a little more.
Change insurance is easy!
Apart from exceptional circumstances (marriage, moving, etc..), The law allows you to change insurance every year if you wish. For this, we must send a letter of termination at least two months before the due date of your contract.
Compare insurance rates
Once your needs are defined, using comparators such as online or www.Hyperassur.com www.Assurland.com. They compare several insurers based on your profile. But beware, they do not reference all market players, feel free to contact other companies that there are pas.Un minimum price for minimal coverage, insurance low cost are only interesting if your needs are low. Before you start please read the quote. If you enter criteria: please!
Car Insurance: up to 155 € saving / year
Car insurance "pay as you drive", whose principle is to pay the insurance by the mile, is excellent for smaller riders. A driver of 35 years who lives in Chartres and drives a Citroen C4, pay 195 € a year comprehensive insurance "pay as you drive" in www.Amaguiz.com, if a 50% bonus and runs only 4000 km per year!
Auto entrepreneur: the construction sector in the anxiety?
With the status auto entrepreneur established on 1 January 2009, the craftsmen of the building are worried about their future.
Below the question and answer published in the Journal Officiel.
A member drew the attention of the Secretary of State for Trade, craft, small and medium enterprises, tourism, services and consumption on the status of auto-entrepreneur established by Modernization Act of Economics August 4, 2008.
The building tradesmen consider that the level of contributions required under the common law, benefits differ in micro-social system can be achieved by not performing as a single lump sum tax and social function of the number business. As an aside: The auto-entrepreneur building trades can also be run on the web via tenders' website creation auto entrepreneur "from 250 € ttc. This can be seen as a distortion of competition, with potentially devastating consequences for this sector. There are also questions about the effectiveness of the scheme on establishment of pension rights, as well as the respect of the device minimum qualification under consumer safety has wanted the legislature to these activities. Finally, concerns remain about the obligation to take a ten-year insurance contract, which is imposed by the Penal Code to any professional performing construction of a building, and people under this special status might not agree .
Therefore, building tradesmen seeking that can be made adjustments to the status of self contractor and craft activities regulated under the Act of July 16, 1996 are excluded from this status. Therefore it would welcome the Government's intentions on this issue.
Answer:
Since its inception on 1 January 2009, the regime of self-contractor has aroused great enthusiasm by the project leaders to create an independent activity. Indeed, thanks to measures implemented to reduce formalities and costs associated with business creation and facilitate relations with the administration, this new device appears very simple and suited to the exercise of an activity independent form of sole proprietorship under the tax regime of the micro-enterprise. Regarding social protection, self-contractor receives the same coverage as any self-employed. So in old-age insurance, since the contractor has a car business or trading under the IHR, it validates the pension rights which, like any craft or trade, are calculated according to the importance activity.
Consequently, the insured may validate up to four quarters if it achieved a turnover, the amount varies, depending on the activity of 24 028 euros for a business sale, hotels and catering, 13 936 euros for a business of providing services subject to the rules of industrial and commercial profits (BIC), 10 558 euros for a business of providing liberal services.
If the activity is not conducted on a full calendar year (beginning or end of activity), the self 'will make a minimum turnover to qualify for the validation of a quarter of retirement, 6 006 euros for a business sale, hotels and catering, 3 484 euros for a business of providing services subject to the rules of BIC, 2 640 euros for a business of providing liberal services. In case of no turnover, a quarter of retirement is automatically validated if the activity is carried on a full calendar year.
However, when reporting the amount of revenue or no revenue for a period of twelve calendar months or four consecutive quarters, the self loses its entitlement under the micro simplified declarative: it remains affiliated with the IHR receive a call for contributions calculated according to the rules of law. Regarding the compliance of professional insurance, self-Contractor, as any contractor, the obligations under existing activity. Offer insurance tailored to self-contractors are already available. However, the Government has heard the concerns expressed by professional organizations and consular sector of handicrafts and the building and wished to respond.
A working group on self contractor and Crafts was established last May to the Ministry of Economy, Industry and Employment. This working group, composed of representatives of professional organizations and consular craft sector and government officials met throughout the months of May and June and concluded that adjustments could be made to the system of self contractor to make it fully effective in respect of hand crafts.
The Government has decided to implement the proposals from the Working Group which relate to two issues: the qualification and support of these new entrepreneurs from chambers of trades and crafts using their registration. Before starting a business in craft subject to qualification, the contractor must prove his qualifications by indicating in advance, if necessary by adopting paperless, how it meets the criteria of qualification required by law (possession of a diploma, including accreditation of prior experience or three years of professional experience). This rule prior declaration will apply to all, whether or not self-entrepreneurs.
Self-entrepreneurs who have a craft activity will be primarily required to register trades directory upon registration as self-contractor. To not increase the cost of starting a business, this registration is free and without charge during the first three years after the establishment and not accompanied by any additional formality. The self-contractors involved will benefit from the support chambers of trades and crafts. These amendments to the legislation on self-contractor will be subject to Government amendments to the draft law on consular networks, trade, crafts and services during its consideration by Parliament.
Below the question and answer published in the Journal Officiel.
A member drew the attention of the Secretary of State for Trade, craft, small and medium enterprises, tourism, services and consumption on the status of auto-entrepreneur established by Modernization Act of Economics August 4, 2008.
The building tradesmen consider that the level of contributions required under the common law, benefits differ in micro-social system can be achieved by not performing as a single lump sum tax and social function of the number business. As an aside: The auto-entrepreneur building trades can also be run on the web via tenders' website creation auto entrepreneur "from 250 € ttc. This can be seen as a distortion of competition, with potentially devastating consequences for this sector. There are also questions about the effectiveness of the scheme on establishment of pension rights, as well as the respect of the device minimum qualification under consumer safety has wanted the legislature to these activities. Finally, concerns remain about the obligation to take a ten-year insurance contract, which is imposed by the Penal Code to any professional performing construction of a building, and people under this special status might not agree .
Therefore, building tradesmen seeking that can be made adjustments to the status of self contractor and craft activities regulated under the Act of July 16, 1996 are excluded from this status. Therefore it would welcome the Government's intentions on this issue.
Answer:
Since its inception on 1 January 2009, the regime of self-contractor has aroused great enthusiasm by the project leaders to create an independent activity. Indeed, thanks to measures implemented to reduce formalities and costs associated with business creation and facilitate relations with the administration, this new device appears very simple and suited to the exercise of an activity independent form of sole proprietorship under the tax regime of the micro-enterprise. Regarding social protection, self-contractor receives the same coverage as any self-employed. So in old-age insurance, since the contractor has a car business or trading under the IHR, it validates the pension rights which, like any craft or trade, are calculated according to the importance activity.
Consequently, the insured may validate up to four quarters if it achieved a turnover, the amount varies, depending on the activity of 24 028 euros for a business sale, hotels and catering, 13 936 euros for a business of providing services subject to the rules of industrial and commercial profits (BIC), 10 558 euros for a business of providing liberal services.
If the activity is not conducted on a full calendar year (beginning or end of activity), the self 'will make a minimum turnover to qualify for the validation of a quarter of retirement, 6 006 euros for a business sale, hotels and catering, 3 484 euros for a business of providing services subject to the rules of BIC, 2 640 euros for a business of providing liberal services. In case of no turnover, a quarter of retirement is automatically validated if the activity is carried on a full calendar year.
However, when reporting the amount of revenue or no revenue for a period of twelve calendar months or four consecutive quarters, the self loses its entitlement under the micro simplified declarative: it remains affiliated with the IHR receive a call for contributions calculated according to the rules of law. Regarding the compliance of professional insurance, self-Contractor, as any contractor, the obligations under existing activity. Offer insurance tailored to self-contractors are already available. However, the Government has heard the concerns expressed by professional organizations and consular sector of handicrafts and the building and wished to respond.
A working group on self contractor and Crafts was established last May to the Ministry of Economy, Industry and Employment. This working group, composed of representatives of professional organizations and consular craft sector and government officials met throughout the months of May and June and concluded that adjustments could be made to the system of self contractor to make it fully effective in respect of hand crafts.
The Government has decided to implement the proposals from the Working Group which relate to two issues: the qualification and support of these new entrepreneurs from chambers of trades and crafts using their registration. Before starting a business in craft subject to qualification, the contractor must prove his qualifications by indicating in advance, if necessary by adopting paperless, how it meets the criteria of qualification required by law (possession of a diploma, including accreditation of prior experience or three years of professional experience). This rule prior declaration will apply to all, whether or not self-entrepreneurs.
Self-entrepreneurs who have a craft activity will be primarily required to register trades directory upon registration as self-contractor. To not increase the cost of starting a business, this registration is free and without charge during the first three years after the establishment and not accompanied by any additional formality. The self-contractors involved will benefit from the support chambers of trades and crafts. These amendments to the legislation on self-contractor will be subject to Government amendments to the draft law on consular networks, trade, crafts and services during its consideration by Parliament.
Auto / Moto: Vettel makes resistance Sebastian Vettel has taken steps to Japan to delay the expected coronation of Jenson Button and Brawn GP team
Mission accomplished for Sebastian Vettel! If the 7th and 8th place of Rubens Barrichello and Jenson Button at Suzuka leave little doubt as to the future coronations pilots and builders of the GP team Brawn, the young German team of Red Bull, winner of Grand Prix ahead of Jarno Trulli and Lewis Hamilton, was able to repel the inevitable. For Brawn, appointment is made at Interlagos in a fortnight. "We did it, I told you so!" With all the impetuosity of his 22 years as elated Sebastian Vettel on Sunday morning in his Red Bull, once the line reached the amazing Jarno Trulli, the pugnacious Lewis Hamilton and the massive pack of 14 other cars reached the end of the 53 loops of the Japanese Grand Prix. Crash spectacular young Jaime Alguersuari in the famous 130R requires the relay made by the safety car 9 laps of the verdict had helped strengthen the position under the checkered flag. Without question the indisputable victory of the German ... Judging his aggressiveness displayed since the start of the weekend and assumed his propensity to always believe, despite the gulf that separates him from his dream, Sebastian Vettel is the worthy heir to Michael Schumacher. And as the Red Baron's time of splendor, the talented driver Red Bull proved intractable on Sunday, leading the race from start to finish. Located on pole on the grid, Vettel was initially resisted the Kers of mouse Lewis Hamilton to keep intact the credit of his remarkable skills. And therefore, despite a car more fuel load, flew to his third win of the season.
Vettel: "I stayed in control"
"At the exit of Turn 1, I saw a silver arrow. It was close but I stayed before, I attacked and I have not looked back. I did my race, confirms the person before adding, then conclude with a disarming Insurance: Until the end, I stayed in control. [...] It is up to the front of the stage! " Behind doubled since signed in Germany last July, despite the podium in Hungary Webber and Vettel in Belgium, Red Bull offered here is a real breath of fresh air. Enough reason for a glimmer of hope before Interlagos and the crowning of Abu Dhabi. If the performance of Sebastian Vettel in Japan is all the more commendable that all the expectations of Red Bull resting on his shoulders alone after impasse forced Mark Webber on qualifications mean last place on the grid, d ' a strict accounting standpoint, however, there are still far from the cup to his lips to the red bull. While private builders anticipated coronation for a half-point on Sunday (two Grand Prix finish, Brawn has 35.5 ahead of Red Bull), the GP Brawn did not in fact content to make figuration at Suzuka. Penalized yesterday but enhanced on the launch pad in favor of changing club guilty of Heikki Kovalainen and Vitantonio Liuzzi, Rubens Barrichello and Jenson Button finally 6th and 10th at the start, were the principal by collecting not less than three units on behalf of the team of Ross Brawn. Two points and one each to allow the Brazilian but also and especially the British to preserve their place in the drivers championship. While 20 good points remain to be filled in the best case this season, Jenson Button into account still 14 ahead of teammate and 16 on Sebastien Vettel has however shown that Suzuka had not abdicated .. .
Vettel: "I stayed in control"
"At the exit of Turn 1, I saw a silver arrow. It was close but I stayed before, I attacked and I have not looked back. I did my race, confirms the person before adding, then conclude with a disarming Insurance: Until the end, I stayed in control. [...] It is up to the front of the stage! " Behind doubled since signed in Germany last July, despite the podium in Hungary Webber and Vettel in Belgium, Red Bull offered here is a real breath of fresh air. Enough reason for a glimmer of hope before Interlagos and the crowning of Abu Dhabi. If the performance of Sebastian Vettel in Japan is all the more commendable that all the expectations of Red Bull resting on his shoulders alone after impasse forced Mark Webber on qualifications mean last place on the grid, d ' a strict accounting standpoint, however, there are still far from the cup to his lips to the red bull. While private builders anticipated coronation for a half-point on Sunday (two Grand Prix finish, Brawn has 35.5 ahead of Red Bull), the GP Brawn did not in fact content to make figuration at Suzuka. Penalized yesterday but enhanced on the launch pad in favor of changing club guilty of Heikki Kovalainen and Vitantonio Liuzzi, Rubens Barrichello and Jenson Button finally 6th and 10th at the start, were the principal by collecting not less than three units on behalf of the team of Ross Brawn. Two points and one each to allow the Brazilian but also and especially the British to preserve their place in the drivers championship. While 20 good points remain to be filled in the best case this season, Jenson Button into account still 14 ahead of teammate and 16 on Sebastien Vettel has however shown that Suzuka had not abdicated .. .
Auto Repair in Denver - Mile High Denver Auto Repair publishes a list of tips to prevent fraud
Repair today released a public service announcement boards to prevent abuse or outright fraud in the purchase of automotive repair
services. Although the vast majority of automotive repair centers are honest and ethical, there is still a good idea to adhere to the guidelines of common sense that can help
avoid misunderstandings related to the procurement of auto repair services. Tips are recommended:
1. Verify professional affiliations, the repair potential.
Does the repair station belongs to the Better Business Bureau? Technicians are ASE certified or possession of other accreditations. Credentials such as these can provide some assurance that you're dealing with a reputable company.
2. Renseignez-vous sur les parrainages des tiers et des recommandations pour l'entreprise.
Ease of May have letters on file from customers past and present. Consult the repair shop to ask about written recommendations he has received. If possible also visit other area residents and businesses in the neighborhood to get their views first hand.
3. Make sure you understand what the repair shop intends to do on your vehicle.
Even if you're not mechanically inclined sure you give an explanation of common sense of the proposed rehabilitation for your vehicle. It may be helpful to understand how problems were diagnosed, the aim of the proposed remedy and the relative priority for them on a schedule.
4. Always get estimates in writing.
Automobiles are not purchased without the benefit of a written document. Similarly, the repair should not be done without each repair and the cost detailed in writing. A written estimate removes all doubt.
5. Need your consent for any repairs.
Ensure that the repair shop get your explicit approval on all points before doing repair work. Normally, this is the policy of most reputable shops but just to be sure it is better to confirm this interpretation.
Mile High Denver Auto Repair is a long established auto repair and service center located in Denver, Colorado. The hotel provides expert auto repair for all makes and models of vehicles. Appointments are available though not required for most repairs and routine maintenance.
services. Although the vast majority of automotive repair centers are honest and ethical, there is still a good idea to adhere to the guidelines of common sense that can help
avoid misunderstandings related to the procurement of auto repair services. Tips are recommended:
1. Verify professional affiliations, the repair potential.
Does the repair station belongs to the Better Business Bureau? Technicians are ASE certified or possession of other accreditations. Credentials such as these can provide some assurance that you're dealing with a reputable company.
2. Renseignez-vous sur les parrainages des tiers et des recommandations pour l'entreprise.
Ease of May have letters on file from customers past and present. Consult the repair shop to ask about written recommendations he has received. If possible also visit other area residents and businesses in the neighborhood to get their views first hand.
3. Make sure you understand what the repair shop intends to do on your vehicle.
Even if you're not mechanically inclined sure you give an explanation of common sense of the proposed rehabilitation for your vehicle. It may be helpful to understand how problems were diagnosed, the aim of the proposed remedy and the relative priority for them on a schedule.
4. Always get estimates in writing.
Automobiles are not purchased without the benefit of a written document. Similarly, the repair should not be done without each repair and the cost detailed in writing. A written estimate removes all doubt.
5. Need your consent for any repairs.
Ensure that the repair shop get your explicit approval on all points before doing repair work. Normally, this is the policy of most reputable shops but just to be sure it is better to confirm this interpretation.
Mile High Denver Auto Repair is a long established auto repair and service center located in Denver, Colorado. The hotel provides expert auto repair for all makes and models of vehicles. Appointments are available though not required for most repairs and routine maintenance.
DC Design and Carnation Auto-SPAN suitable for mass market cars
Among the first in the line of a complete alignment is Innov8, which is based on the Toyota Innova, whose interiors will see a total blow, including leather seats, a partition for privacy, a 19-inch LCD TV Satellite TV optional audio system with DVD player, a beverage handy, fold-out tables and legroom spacious. In addition to the Toyota Innova, adaptation kits are also available for the City of Honda and Suzuki Swift. A package update is being developed for the type of well-hyped Tata Nano will be available in 2010. Each of these kits, which front and rear bumpers, hood improvements, side skirting and fog lamps and alloy wheels, among other things, the need for individual identity, space, privacy, comfort , entertainment and utility, and the answer is surprisingly affordable, with prices ranging includes Rs.45, 000 lakh to Rs.4.95.
"These solutions meet the need for individual identity, space, privacy, comfort, entertainment and utility. In addition, this adaptation options to receive personal attention in the world Carnation engine class provides back-up network across the country, persverklaring said. "The partnership with Dilip Chhabria will prove exciting for us as a company, and the diversity we bring to our customers. We seek to create a hosting experience for our clients. Keep this in mind, Carnatio'Ã ¢? s tie-up with DC Design will take us one step closer to realizing our vision to meet the needs of car owners across the country. a national world-class network backup car care and guarantee to ensure that their cars are superbly adapted to customers in good hands when they should be maintained, "said Carnation Auto president and CEO Jagdish Khattar.
Dilip Chhabria, is it possible to customize each car has a unique identity and appeal options are endless, as this adaptation of a car is concerned. "Our goal is to bring companies have a mass market. In the West, between two and five per cent of the total sales component of adaptation, and there is a similar potential in India. We have kits available for customization by all stores carnation, "Chhabria said, adding that from 2010 GS models provide solutions to the eight new models each year. For a customization service that is accessible to all, Carnation Auto will also be ramping its outlets to 30 December of the current 11-end.
"These solutions meet the need for individual identity, space, privacy, comfort, entertainment and utility. In addition, this adaptation options to receive personal attention in the world Carnation engine class provides back-up network across the country, persverklaring said. "The partnership with Dilip Chhabria will prove exciting for us as a company, and the diversity we bring to our customers. We seek to create a hosting experience for our clients. Keep this in mind, Carnatio'Ã ¢? s tie-up with DC Design will take us one step closer to realizing our vision to meet the needs of car owners across the country. a national world-class network backup car care and guarantee to ensure that their cars are superbly adapted to customers in good hands when they should be maintained, "said Carnation Auto president and CEO Jagdish Khattar.
Dilip Chhabria, is it possible to customize each car has a unique identity and appeal options are endless, as this adaptation of a car is concerned. "Our goal is to bring companies have a mass market. In the West, between two and five per cent of the total sales component of adaptation, and there is a similar potential in India. We have kits available for customization by all stores carnation, "Chhabria said, adding that from 2010 GS models provide solutions to the eight new models each year. For a customization service that is accessible to all, Carnation Auto will also be ramping its outlets to 30 December of the current 11-end.
The latest Sony Cyber-shot ™ feature Intelligent Auto Technology
Committed to providing the best camera experience for consumers, Sony has developed intelligent automatic (iAuto) technology from a variety of new possibilities to the camera settings automatically for imaging stars optimize results. This new feature is available in the latest Cyber-shot T, H, and some models of the W-series, and can easily be activated via the mode dial on these new cameras. At the press launch of the new Sony DSC TX1, specialist products from Sony France, Ervin Fernandez has said that Sony was developed to meet the trends and the growing expectations of its customers. "Keep it simple and hassle for our customers impressive taking photos has always been a priority for the phone." Said David Martenstyn, chief executive officer, Siedler. "New features such as iAuto technologies allow consumers to enjoy only the results in a high performance imaging without any trouble." Available in a wide variety of elegant colors, touchscreen Cyber-shot T series camera performance of the function with slimmer dimensions of 15.1 mm thick for the DSC-T900 and DSC 13.9mm1 for - T90. To facilitate viewing and editing, graphics are clearly displayed on the large 3.5-type Xtra Fine LCD for DSC-T900 and 3.0 Type Clear Photo LCD The DSC-T90 model. Along with the image sensor Super HAD CCD and Carl Zeiss Vario-Tessar 4x optical zoom, the new Cyber-shot T-series features 12.1 megapixel resolution with exceptional clarity. For images as impressive in motion, the T-series features video-recording 720p HD, so the camera to record the resolution of 1280 x 720 pixel HD movie at 30 frames per second. The high compression MPEG-4 Video Codec enables high quality video.
The new T-series are also enabled with the new Intelligent Auto mode, selectable via the mode dial on the camera. If necessary, this mode is automatically activated Intelligent Scene Recognition, which allows users to enjoy carefree shooting with optimal settings automatically by the camera are determined without the need to make unnecessary and annoying setting adjustments. Implemented for the first time in the series Cyber-shot cameras, the new Smile shutter more in collaboration with the Intelligent Auto Mode and the start of the beautiful smiles with new parameters.
The new pan scan function provides a new way to capture breathtaking views convenience of users. By scanning the camera in the desired direction (up / down / left / right) images of the beauty of the landscapes can be easily captured by the DSC-HX1. Integration of two new forms of shooting, Moon and Hand Motion Anti Blur, the device also allows users to shoot scenes at dusk without a tripod and avoid subject blur even in low light conditions, respectively. In a historic milestone for Cyber-shot, DSC-HX1 is also the first model to offer 1080/30p HD filming. Working with the zoom range on the T-series, the new video recording feature provides a wide range of composition possibilities from wide angle to super telephoto. The purchases that consumers make authourised showrooms or distributors Siedle Siedle offers product guarantees recognized and reliable after-sales service. For this issue of quality assurance, consumers should always keep an eye on the "Siedle warranty card" if they buy a Sony.
The new T-series are also enabled with the new Intelligent Auto mode, selectable via the mode dial on the camera. If necessary, this mode is automatically activated Intelligent Scene Recognition, which allows users to enjoy carefree shooting with optimal settings automatically by the camera are determined without the need to make unnecessary and annoying setting adjustments. Implemented for the first time in the series Cyber-shot cameras, the new Smile shutter more in collaboration with the Intelligent Auto Mode and the start of the beautiful smiles with new parameters.
The new pan scan function provides a new way to capture breathtaking views convenience of users. By scanning the camera in the desired direction (up / down / left / right) images of the beauty of the landscapes can be easily captured by the DSC-HX1. Integration of two new forms of shooting, Moon and Hand Motion Anti Blur, the device also allows users to shoot scenes at dusk without a tripod and avoid subject blur even in low light conditions, respectively. In a historic milestone for Cyber-shot, DSC-HX1 is also the first model to offer 1080/30p HD filming. Working with the zoom range on the T-series, the new video recording feature provides a wide range of composition possibilities from wide angle to super telephoto. The purchases that consumers make authourised showrooms or distributors Siedle Siedle offers product guarantees recognized and reliable after-sales service. For this issue of quality assurance, consumers should always keep an eye on the "Siedle warranty card" if they buy a Sony.
Friday, October 2, 2009
Mutual launches Blue auto contract in partnership with Covéa
The 24th French mutual health will offer from October 6 to its members a contract provided by Nexx Auto Insurance - based on the product Maaf, in partnership with Covéa.
The blue Mutual employees were trained in the marketing of damage (6 days of training), Covéa taking responsibility for managing disasters. Faced with competition from other mutuals and insurers, Mutual blue independent after a brief foray into mutual harmony group, had to offer a complete range insured part. A partnership was concluded in early 2009 with CNP Assurances on addiction, it is followed by that of Covéa on the IARD. In 2010, a contract HRM, also provided by Covéa will complement the range. Mutual Blue has 30 reception points spread between the Isle of France, Midi Pyrenees and Lorraine, achieved a turnover of 132 million € in 2008, with a solvency margin of 600%, protecting 285 000 people health or welfare.
The blue Mutual employees were trained in the marketing of damage (6 days of training), Covéa taking responsibility for managing disasters. Faced with competition from other mutuals and insurers, Mutual blue independent after a brief foray into mutual harmony group, had to offer a complete range insured part. A partnership was concluded in early 2009 with CNP Assurances on addiction, it is followed by that of Covéa on the IARD. In 2010, a contract HRM, also provided by Covéa will complement the range. Mutual Blue has 30 reception points spread between the Isle of France, Midi Pyrenees and Lorraine, achieved a turnover of 132 million € in 2008, with a solvency margin of 600%, protecting 285 000 people health or welfare.
Motorcycle Insurance: AMV further reduces its rates
A few months earlier, AMV already announced a reduction in its premium motorcycle about 10 to 20% without increasing the deductibles. From now until January 15, 2010, the leading insurance motorbike offers its customers a motorcycle and scooter down 20% on their auto insurance. The insurer, with its 450 000 members, therefore, finds fewer claims 4-wheel from the "bike-mobile" that motorists simple ... To complete this offer, AMV offers the same discount on home insurance to its insured motorcycle and scooter!
Insurers expect a rate increase in 2010
Individuals and businesses can expect increases in premiums, according to the newspaper Les Echos. Main reasons: a strong return of road accidents, the frequency of fires and natural disasters. In the Days of brokerage, yesterday asked the five insurers have predicted an increase of almost generalized premiums in 2010, reports the newspaper Les Echos this Thursday.
Decisions are justified, for auto insurance, a strong reversal of the claims in recent months and, for multi-risk housing, the increase in natural disasters. Business risks and group health insurance will also be affected by this inflation rate. In short, nobody will escape upwards.
Worsening weather
The car is assigned claims "to the resumption of traffic, with a burst of frequencies, these last five months," says Jacques de Peretti, CEO of Axa Enterprise. Bernard Durand, CEO of Covéa Risks, for his part insists on the increase "very important" in serious bodily injury: "Today, a loss of 5 million euros is commonplace." Side residential and business losses are fires, but especially the increase in natural disasters (storms Klaus and Quinten, hailstorms in spring floods in Bayonne and St. Maximus the weekend) will be responsible for tariff increase . "It will integrate the worsening weather in our risk analysis", says Bernard Durand.
Decisions are justified, for auto insurance, a strong reversal of the claims in recent months and, for multi-risk housing, the increase in natural disasters. Business risks and group health insurance will also be affected by this inflation rate. In short, nobody will escape upwards.
Worsening weather
The car is assigned claims "to the resumption of traffic, with a burst of frequencies, these last five months," says Jacques de Peretti, CEO of Axa Enterprise. Bernard Durand, CEO of Covéa Risks, for his part insists on the increase "very important" in serious bodily injury: "Today, a loss of 5 million euros is commonplace." Side residential and business losses are fires, but especially the increase in natural disasters (storms Klaus and Quinten, hailstorms in spring floods in Bayonne and St. Maximus the weekend) will be responsible for tariff increase . "It will integrate the worsening weather in our risk analysis", says Bernard Durand.
Auto insurance: with "Move-less GMF Assurances et Veolia Transport capitalize on eco responsibility
On the Day of public transport and the European Week of Mobility, held from September 16 to 22 this year, Veolia Transport and FMG Insurance have partnered to provide financial incentives for more individuals, owners of a car to optimize their travel using public transit daily.
City dwellers partners perform this operation a dual economy: by subscribing to their transmission network annual subscription, they save an average of 3 months the cost of their trips by transit. Upon submission of this subscription through an agency GMF, they receive a 10% discount on the amount of their car insurance. This initiative Veolia Transportation and FMG Insurance begins with a first campaign "Move cheaper" from September 16 to November 30, deployed on the Internet as well as sales offices in nine networks Veolia Transport towns of Beziers , Chambery, Dunkirk, Nancy, Nice, Rouen, Saint-Etienne, Toulon and Valencia. More than 20 agencies participating in the GMF operation in urban areas concerned.
GMF Assurances is the first company to offer the Eco Pass provides a 10% reduction on the amount of car insurance. To qualify, simply be the primary driver of a vehicle provided to the GMF and holds an annual subscription of transit, and nominal fee. Veolia Transportation, reference services organization to sustainable mobility, associated with this approach that fits into its strategy of retaining passenger and public awareness for sustainable mobility. With the purchase of an annual subscription of transit, the customer networks benefit from Veolia Transport months free subscription. The campaign involved the launch of the operation aims to improve awareness of our daily movements have an impact on air quality and climate change. Using the car a more casual and opting for sustainable modes of transport, it reduces both its impact in terms of urban pollution and emissions of greenhouse gas emissions and other budget travel.
City dwellers partners perform this operation a dual economy: by subscribing to their transmission network annual subscription, they save an average of 3 months the cost of their trips by transit. Upon submission of this subscription through an agency GMF, they receive a 10% discount on the amount of their car insurance. This initiative Veolia Transportation and FMG Insurance begins with a first campaign "Move cheaper" from September 16 to November 30, deployed on the Internet as well as sales offices in nine networks Veolia Transport towns of Beziers , Chambery, Dunkirk, Nancy, Nice, Rouen, Saint-Etienne, Toulon and Valencia. More than 20 agencies participating in the GMF operation in urban areas concerned.
GMF Assurances is the first company to offer the Eco Pass provides a 10% reduction on the amount of car insurance. To qualify, simply be the primary driver of a vehicle provided to the GMF and holds an annual subscription of transit, and nominal fee. Veolia Transportation, reference services organization to sustainable mobility, associated with this approach that fits into its strategy of retaining passenger and public awareness for sustainable mobility. With the purchase of an annual subscription of transit, the customer networks benefit from Veolia Transport months free subscription. The campaign involved the launch of the operation aims to improve awareness of our daily movements have an impact on air quality and climate change. Using the car a more casual and opting for sustainable modes of transport, it reduces both its impact in terms of urban pollution and emissions of greenhouse gas emissions and other budget travel.
Special Insurance: live in good company
Insurance, we do not like to think. In fact, it is often when things go wrong that we remember his insurer and that we look at last on the lines of small contracts are sometimes cursing for not having done more early. But sure is an act of common sense. All advisors serious wealth management advice to a complete state protections enjoyed by the family (life insurance, mortgage insurance, retirement education for children ...). A report to update periodically depending on changes in family and heritage. But sure is a load.
It is when an incident happens that we judge
At a time when the French have become more attentive to their expenses, insurance premiums to escape more comparative. Some markets are more competitive than others and that of car insurance is. "The price sensitivity is very important in auto insurance because the average premium is high," explains Sabine Gräfe, a consultant firm Precepta (Xerfi group), for which auto insurance is a loss leader. "Banks, who had entered the field of life insurance by home insurance, began to show interest. They are in pre-conquest, "says she. In mature markets, to grow, insurers concentrate their efforts on target customer the most moving. This is the case of young, newly insured. "But as seniors, including health insurance," says Sabine Gräfe. Once retired, they look indeed often find competitive health insurance for their new profile. For these actors, insurance is a very competitive market. Good ideas fall immediately into the public domain and an innovative concept that works well is quickly copied. Therefore, communication and prices are so important. They are the two weapons to convince us consumers to subscribe. A third will come later: the claims. It is when an incident happens that we really judge his insurer.
Good resolutions for this issue back on the insurance? This could be to watch once a year contracts and take a look at the competition. Another key question, do you move too much or not enough? Car Insurance said that also said duplicates. Why take out insurance or assistance while snow bank cards premium (Gold) can benefit from guarantees comfortable levels?
Compare prices and guarantees
Insurance is sometimes a marketing argument. When a few weeks ago, Carrefour has informed all its customers on the back of its receipts he gave them the assurance their children's school, he created the doubt (he should still pay for school insurance? ). Thereby arousing the ire of competitors. Insurance is not a gimmick. Pros Marketing and Communications have launched several years in a dusting industry rule, and so much better. In TV commercials, singing and dancing to the accompaniment of MMA and it escapes that of NPC, which was so well orchestrated things in life through the Waltz No. 2 by Dmitri Shostakovich. What this does not prevent us from watching "in the eye" our insurers and their contracts. To compare not only prices but also guaranteed. Internet makes things easier by allowing individuals to compare offers in a few clicks. Seize it.
It is when an incident happens that we judge
At a time when the French have become more attentive to their expenses, insurance premiums to escape more comparative. Some markets are more competitive than others and that of car insurance is. "The price sensitivity is very important in auto insurance because the average premium is high," explains Sabine Gräfe, a consultant firm Precepta (Xerfi group), for which auto insurance is a loss leader. "Banks, who had entered the field of life insurance by home insurance, began to show interest. They are in pre-conquest, "says she. In mature markets, to grow, insurers concentrate their efforts on target customer the most moving. This is the case of young, newly insured. "But as seniors, including health insurance," says Sabine Gräfe. Once retired, they look indeed often find competitive health insurance for their new profile. For these actors, insurance is a very competitive market. Good ideas fall immediately into the public domain and an innovative concept that works well is quickly copied. Therefore, communication and prices are so important. They are the two weapons to convince us consumers to subscribe. A third will come later: the claims. It is when an incident happens that we really judge his insurer.
Good resolutions for this issue back on the insurance? This could be to watch once a year contracts and take a look at the competition. Another key question, do you move too much or not enough? Car Insurance said that also said duplicates. Why take out insurance or assistance while snow bank cards premium (Gold) can benefit from guarantees comfortable levels?
Compare prices and guarantees
Insurance is sometimes a marketing argument. When a few weeks ago, Carrefour has informed all its customers on the back of its receipts he gave them the assurance their children's school, he created the doubt (he should still pay for school insurance? ). Thereby arousing the ire of competitors. Insurance is not a gimmick. Pros Marketing and Communications have launched several years in a dusting industry rule, and so much better. In TV commercials, singing and dancing to the accompaniment of MMA and it escapes that of NPC, which was so well orchestrated things in life through the Waltz No. 2 by Dmitri Shostakovich. What this does not prevent us from watching "in the eye" our insurers and their contracts. To compare not only prices but also guaranteed. Internet makes things easier by allowing individuals to compare offers in a few clicks. Seize it.
The best auto insurance for your profile
To help you find car insurance that offers the best value, Capital has established 16 types of profiles insured and past the mill dozens of contracts. On Capital.fr discover the comparative profiles of eight drivers: student province under thirty in stock Audi A3 ...
Between traditional insurers, bankers and skilled players on the internet, the competition is fierce in the market for automobile insurance. In its October issue, Capital gives you all the keys to help you find the contract that best suits your needs at a competitive price. For this, the writing has drawn portraits of types of insured and compared the bids from 27 institutions in putting forward the best proposal ... and the worst. In addition to that folder, Capital.fr published rates of 27 contracts for 8 patterns of drivers: those who have suffered multiple losses, a father with his son in the secondary driver, craftsman using his car to tour, student province ...
Between traditional insurers, bankers and skilled players on the internet, the competition is fierce in the market for automobile insurance. In its October issue, Capital gives you all the keys to help you find the contract that best suits your needs at a competitive price. For this, the writing has drawn portraits of types of insured and compared the bids from 27 institutions in putting forward the best proposal ... and the worst. In addition to that folder, Capital.fr published rates of 27 contracts for 8 patterns of drivers: those who have suffered multiple losses, a father with his son in the secondary driver, craftsman using his car to tour, student province ...
Car insurance phone: how do they work?
As mentioned in a recent post there are many people who decide to go online to get insurance quotes quickly and quickly choose the most economical insurance with the help of comparators online. Even phone insurance, precursors of insurance online, do not seem to understand the crisis, and yet many motorists are turning to insurance telephone. The main reason is that thanks to the absence of intermediaries, this type of insurance is often more advantageous than the traditional ones. But how does it work? Sell a policy car insurance phone is actually quite simple. It 'simply has to apply to freephone numbers of insurance companies to speak with the service of customer service and request free quotes for custom car insurance telephone.
The questions that arise are the same that would propose an intermediary in insurance agency when it comes to car insurance: the personal data of those who will sign the contract, the vehicle data (found in the book) and, in case you are changing insurance, the class of substance that can be found in the certificate of risk. The quotation will be sent home by mail, or via email if you provide your e-mail address, at which point you can decide whether to accept or not.
Whether it's insurance for a car or a special insurance (such insurance for trucks or cars), if you decide to accept the quote you must sign and return the contract to the insurance company together with the documents necessary for the opening of the policy, by mail, fax or email. Also any changes to your data, such as master data changes, residence, or exchange the car, always will be done via phone or email, as well as for insurance online. In fact, the insurance operating via the telephone or the Internet are usually the same. You choose whether you prefer the voice of the call center or the words written in an email, but it will not change and the economic advantage remains. Also, if anyone had doubts about the reliability of insurance telephone, the advice is to go to the most prominent, usually owned by large financial groups.
The questions that arise are the same that would propose an intermediary in insurance agency when it comes to car insurance: the personal data of those who will sign the contract, the vehicle data (found in the book) and, in case you are changing insurance, the class of substance that can be found in the certificate of risk. The quotation will be sent home by mail, or via email if you provide your e-mail address, at which point you can decide whether to accept or not.
Whether it's insurance for a car or a special insurance (such insurance for trucks or cars), if you decide to accept the quote you must sign and return the contract to the insurance company together with the documents necessary for the opening of the policy, by mail, fax or email. Also any changes to your data, such as master data changes, residence, or exchange the car, always will be done via phone or email, as well as for insurance online. In fact, the insurance operating via the telephone or the Internet are usually the same. You choose whether you prefer the voice of the call center or the words written in an email, but it will not change and the economic advantage remains. Also, if anyone had doubts about the reliability of insurance telephone, the advice is to go to the most prominent, usually owned by large financial groups.
Milan shares toned, strong banks and insurance
Piazza Affari toned like the other European exchanges renews scored the highest of the year yesterday.
"The market is brilliant, especially the financial awards are a bit 'all over Europe, there is much liquidity," says one trader. Around 11.25 the FTSE Mib. FTMIB it earns 0.85%, the AllShare. FTITLMS salt of 0.81%, the MidCap index by 0.88%. Volumes around 1 billion euros.
* Bright securities banking and insurance, lively throughout Europe), led by Pop Milano (PMII.MI: Quote), MPS (BMPS.MI: Quote) and Unipol (UNPI.MI: Quote), all rising by more than 2%. INTESA SANPAOLO (ISP.MI: Quote), which yesterday decided to issue up to 1.5 billion in Tier 1 and to accelerate and increase the shares of capital management (divestitures, partnerships and quotations) waiver option of Tremonti bonds, salt, 1, 8%; UNICREDIT (CRDI.MI: Quote), which has also avoided the use of instruments of government choosing the path of the capital, rose 1, 8%. "The use of the market obviously likes, so liquidity is not lacking," said a trader. * In fall MEDIASET (MS.MI: Quote), yesterday against the trend in publishing well bid. The group has denied rumors that the Spanish press, renewed the old theme of interest to TELECOM (TLIT.MI: Quote). Slightly down the group TLC, in line with the European sector. * Calm FIAT (FIA.MI: Quote), in line with the European sector. This morning the Prime Minister Silvio Berlusconi said he was ready to approve new tax incentives to purchase new cars if necessary.
"The market is brilliant, especially the financial awards are a bit 'all over Europe, there is much liquidity," says one trader. Around 11.25 the FTSE Mib. FTMIB it earns 0.85%, the AllShare. FTITLMS salt of 0.81%, the MidCap index by 0.88%. Volumes around 1 billion euros.
* Bright securities banking and insurance, lively throughout Europe), led by Pop Milano (PMII.MI: Quote), MPS (BMPS.MI: Quote) and Unipol (UNPI.MI: Quote), all rising by more than 2%. INTESA SANPAOLO (ISP.MI: Quote), which yesterday decided to issue up to 1.5 billion in Tier 1 and to accelerate and increase the shares of capital management (divestitures, partnerships and quotations) waiver option of Tremonti bonds, salt, 1, 8%; UNICREDIT (CRDI.MI: Quote), which has also avoided the use of instruments of government choosing the path of the capital, rose 1, 8%. "The use of the market obviously likes, so liquidity is not lacking," said a trader. * In fall MEDIASET (MS.MI: Quote), yesterday against the trend in publishing well bid. The group has denied rumors that the Spanish press, renewed the old theme of interest to TELECOM (TLIT.MI: Quote). Slightly down the group TLC, in line with the European sector. * Calm FIAT (FIA.MI: Quote), in line with the European sector. This morning the Prime Minister Silvio Berlusconi said he was ready to approve new tax incentives to purchase new cars if necessary.
Car insurance for young people: the average tariffs of rc very high.
Young people struggle to pay their car insurance policies because the costs have become too high. Movement was to establish and consumers who visit the websites of forty insurance companies, has monitored adherence to the "Pact for Youth", an initiative that rewards young people licensed with discounts from 18 to 26 years, who keep driving of responsible behavior.
But in Italy it is the young people more harshly treated by insurance companies when they need insurance for the car, so that in some cases for an insurance liability auto insurance companies are also asking for three thousand euros and discounts are sometimes also a high rate of oscillation of a minimum of 5% to a maximum of 25%. How do I choose then the best policy? Online help comes from the estimate on this website ISVAP. This is a new Web tool that motorists can see to be able to choose insurance for the car more convenient and more suited to their needs. To be able to use, simply sign up, get the latest proof of danger that, by law, the insurance company is obliged to issue each year, and then, directly in your inbox, will the list of most cost estimates . Once you have chosen the policy and the insurance company of reference, you can go in agency and conclude the renewal RC-Car
But in Italy it is the young people more harshly treated by insurance companies when they need insurance for the car, so that in some cases for an insurance liability auto insurance companies are also asking for three thousand euros and discounts are sometimes also a high rate of oscillation of a minimum of 5% to a maximum of 25%. How do I choose then the best policy? Online help comes from the estimate on this website ISVAP. This is a new Web tool that motorists can see to be able to choose insurance for the car more convenient and more suited to their needs. To be able to use, simply sign up, get the latest proof of danger that, by law, the insurance company is obliged to issue each year, and then, directly in your inbox, will the list of most cost estimates . Once you have chosen the policy and the insurance company of reference, you can go in agency and conclude the renewal RC-Car
Car insurance? Counterfeit. Aged over 60 reported an in Montecchio
He drove in the car with a coupon insurance false. Apparently looked like a normal pay slip a note issued by an insurance company. But the police have discovered that the Montecchio the bill did not exist. So one of Casalgrande aged over 60 have been accused of using false documents and stolen goods. Last night, shortly before one, the police of Montecchio Emilia performed a series of checks in via Santa Conti, near the shopping center 'The Terrace'. The military has noted a Fiat Marea have reported the presence of a sign affixed to the windscreen insurance expiring on February 2010. The checks on the bill and on the same cutting showed that it was all false, then the car was traveling without a regular insurance coverage. Any further checks on the vehicle showed that neither had been made for periodic reviews, which expired in June 2007. The police have seized the coupon of Montecchio, the certificate and the insurance contract forged, denouncing the owner aged over 60 to the Prosecutor.
Thursday, October 1, 2009
Car Insurance: 97% of French have a bonus
In 2008, almost two thirds of the insured (64.2% of the sample) had a 50% bonus entitlement to the maximum reduction. And overall 97% of policyholders receive a bonus car (source ffsa.fr).
How does the bonus car insurance?
The system claims bonus is to assign a coefficient from 3.50 to 0.50 to the auto insurance premium in order to emphasize the good drivers by offering them a discount. The ratio starts at 1 and decreases by 5% per year without an accident involving the driver's responsibility. You then reach the best car bonus after 13 years: the coefficient 0.50 entitling a contribution divided by two.
For drivers who cause an accident, the coefficient is increased by 25%, unless they receive a bonus 50 for at least three years the ratio will be increased in this case that second-fault accident.
Warning: If you suspend your auto insurance for 3 months or more, your bonus will not change the year of suspension. For the bonus changes, you must be insured for at least 9 months during the same policy year.
The Generali Group, founded in 1831 in Trieste, is now the 3rd player in the insurance and the first European life insurer.
In France, Generali is the second largest general insurer and is based on 8,000 people and 1,100 general agents and many brokers, advisors and independent partners. Growing rapidly since 5 years, its turnover reached 15.5 billion euros in 2007.
How does the bonus car insurance?
The system claims bonus is to assign a coefficient from 3.50 to 0.50 to the auto insurance premium in order to emphasize the good drivers by offering them a discount. The ratio starts at 1 and decreases by 5% per year without an accident involving the driver's responsibility. You then reach the best car bonus after 13 years: the coefficient 0.50 entitling a contribution divided by two.
For drivers who cause an accident, the coefficient is increased by 25%, unless they receive a bonus 50 for at least three years the ratio will be increased in this case that second-fault accident.
Warning: If you suspend your auto insurance for 3 months or more, your bonus will not change the year of suspension. For the bonus changes, you must be insured for at least 9 months during the same policy year.
The Generali Group, founded in 1831 in Trieste, is now the 3rd player in the insurance and the first European life insurer.
In France, Generali is the second largest general insurer and is based on 8,000 people and 1,100 general agents and many brokers, advisors and independent partners. Growing rapidly since 5 years, its turnover reached 15.5 billion euros in 2007.
Auto Insurance with "Move-less GMF Assurances et Veolia Transport capitalize on eco responsibility
On the Day of public transport and the European Week of Mobility, held from September 16 to 22 this year, Veolia Transport and FMG Insurance have partnered to provide financial incentives for more individuals, owners of a car to optimize their travel using public transit daily.
City dwellers partners perform this operation a dual economy: by subscribing to their transmission network annual subscription, they save an average of 3 months the cost of their trips by transit. Upon submission of this subscription through an agency GMF, they receive a 10% discount on the amount of their car insurance. This initiative Veolia Transportation and FMG Insurance begins with a first campaign "Move cheaper" from September 16 to November 30, deployed on the Internet (www.sedeplacermoinscher.com) as well as sales offices in nine networks Veolia Transport towns of Beziers , Chambery, Dunkirk, Nancy, Nice, Rouen, Saint-Etienne, Toulon and Valencia. More than 20 agencies participating in the GMF operation in urban areas concerned.
GMF Assurances is the first company to offer the Eco Pass provides a 10% reduction on the amount of car insurance. To qualify, simply be the primary driver of a vehicle provided to the GMF and holds an annual subscription of transit, and nominal fee.
Veolia Transportation, reference services organization to sustainable mobility, associated with this approach that fits into its strategy of retaining passenger and public awareness for sustainable mobility. With the purchase of an annual subscription of transit, the customer networks benefit from Veolia Transport months free subscription.
The campaign involved the launch of the operation aims to improve awareness of our daily movements have an impact on air quality and climate change. Using the car a more casual and opting for sustainable modes of transport, it reduces both its impact in terms of urban pollution and emissions of greenhouse gas emissions and other budget travel.
City dwellers partners perform this operation a dual economy: by subscribing to their transmission network annual subscription, they save an average of 3 months the cost of their trips by transit. Upon submission of this subscription through an agency GMF, they receive a 10% discount on the amount of their car insurance. This initiative Veolia Transportation and FMG Insurance begins with a first campaign "Move cheaper" from September 16 to November 30, deployed on the Internet (www.sedeplacermoinscher.com) as well as sales offices in nine networks Veolia Transport towns of Beziers , Chambery, Dunkirk, Nancy, Nice, Rouen, Saint-Etienne, Toulon and Valencia. More than 20 agencies participating in the GMF operation in urban areas concerned.
GMF Assurances is the first company to offer the Eco Pass provides a 10% reduction on the amount of car insurance. To qualify, simply be the primary driver of a vehicle provided to the GMF and holds an annual subscription of transit, and nominal fee.
Veolia Transportation, reference services organization to sustainable mobility, associated with this approach that fits into its strategy of retaining passenger and public awareness for sustainable mobility. With the purchase of an annual subscription of transit, the customer networks benefit from Veolia Transport months free subscription.
The campaign involved the launch of the operation aims to improve awareness of our daily movements have an impact on air quality and climate change. Using the car a more casual and opting for sustainable modes of transport, it reduces both its impact in terms of urban pollution and emissions of greenhouse gas emissions and other budget travel.
Mutant Insurance launches new offer of insurance: Auto Temporary
Insuring your vehicle, whatever its frequency of use is a legal requirement. In response, the majority of drivers agreed annual general insurance except in cases where the law permits the use of term insurance: export or import of a vehicle, leaving the auction room ...
However, some drivers do not meet this legal requirement, for lack of funds (lower purchasing power, unemployment, job insecurity) or by choice. To be valid, they may nevertheless be forced temporarily to make sure: if test requirement requiring such insurance or, if the vehicle immobilizer and withdrawal of registration following a default insurance.
To give a concrete answer to all these situations, Mutant Insurance has launched this new assertiveness was the "Temporary Auto.
The contract "Temporary Auto" is composed of two compulsory coverages (liability and defense use) and covers both private and business trips. It is characterized by the choice of 7 of contract terms (4 of which can travel abroad): 3, 6, 8, 15, 21, 30 and 60 days. Each of these terms has a fixed price. For example, for insurance for 60 days in France: 4,54 € / day. To qualify for this contract must be between 23 and 70 years and a driver's license more than 2 years, owning a home in France (excluding Corsica), and be sole driver. Disaster and if the driver is not the subscriber, a deductible of 750 € will be applied. Designed with insurance companies ARISA (for vehicles registered in the city - outside Bouches du Rhône) and AXERIA Iard (for vehicles registered in the Bouches du Rhone, the DOM and abroad), this new product is marketed by the 200 shops Mutant Assurances (metropolitan France and overseas departments) and through its network of 900 dealers.
"Temporary Auto 'complements the range of" automobile "Mutant Assurances consists of 3 forms with economic guarantees fundamental ECO Auto, Auto and Auto PLUS ECO ECO Ultimate.
However, some drivers do not meet this legal requirement, for lack of funds (lower purchasing power, unemployment, job insecurity) or by choice. To be valid, they may nevertheless be forced temporarily to make sure: if test requirement requiring such insurance or, if the vehicle immobilizer and withdrawal of registration following a default insurance.
To give a concrete answer to all these situations, Mutant Insurance has launched this new assertiveness was the "Temporary Auto.
The contract "Temporary Auto" is composed of two compulsory coverages (liability and defense use) and covers both private and business trips. It is characterized by the choice of 7 of contract terms (4 of which can travel abroad): 3, 6, 8, 15, 21, 30 and 60 days. Each of these terms has a fixed price. For example, for insurance for 60 days in France: 4,54 € / day. To qualify for this contract must be between 23 and 70 years and a driver's license more than 2 years, owning a home in France (excluding Corsica), and be sole driver. Disaster and if the driver is not the subscriber, a deductible of 750 € will be applied. Designed with insurance companies ARISA (for vehicles registered in the city - outside Bouches du Rhône) and AXERIA Iard (for vehicles registered in the Bouches du Rhone, the DOM and abroad), this new product is marketed by the 200 shops Mutant Assurances (metropolitan France and overseas departments) and through its network of 900 dealers.
"Temporary Auto 'complements the range of" automobile "Mutant Assurances consists of 3 forms with economic guarantees fundamental ECO Auto, Auto and Auto PLUS ECO ECO Ultimate.
The insurance rates will rise in 2010
Mutual insurers differentiate auto contracts, including changes in claims remains uncertain, and health insurance and housing.
Soaring insurance rates for individuals fizzled. If the French Federation of Insurance Companies (FFSA) announced on Wednesday a rise in prices in general, the grouping of mutual insurance companies (GEMA) was used yesterday in moderation. Andreck Gerard, president and chairman of Gema of Macif has made a distinction between the three main markets of individuals: the self, the multi-hazard housing and health.
Car Insurance
Jacques de Peretti, chairman of the committee of insurers of the FFSA and also CEO of Axa Enterprise, had said during the "Days of brokerage that increases in auto insurance rates would be" quite significant "because of "strong reversal of the claims. For Gerard Andreck, there is indeed a "deterioration in claims experience in both frequency and amount in recent months, but these are just statistics to end of August. However, changes can be very fast, "observes he, before recalling that" Last year we had two semesters completely opposite in terms of claims.
The mutual insurer considers therefore does not "have quite yet the basis for deciding" price of car insurance next year. And even worse if the number of road accidents and their costs should be confirmed, "each company will be determined by its own financial condition and according to its own business strategy," adds he quoted in illustration two positions Maaf (Member of GEMA) has already said that its auto rates remain stable in 2010 and that the opposite of Axa (member of the FFSA).
Home Insurance
In insurance, however, insurers Gema find, as the traditional companies, an increase in claims due to storms and Klaus Quinten's early years and the local recurrence of lower amplitude as the floods of the weekend last. It remains to determine the level of higher premiums could range from 3% to 6%.
Health Insurance
Similarly, health insurance, under regular transfers of costs for Social Security to complementary Gerard Andreck predicted an increase of 3% to 6% for Macif Mutuality. This mutual, a leading healthy individual with 700,000 people protected alongside Maaf Health with more than one million people protected, Gema make a significant player in this market segment. "The share of Gema health insurance will go rampant," says its president stating that the "liaison group" between the French Mutuality (FNMF) and Gema, in preparation for a year, should start operating in October.
Soaring insurance rates for individuals fizzled. If the French Federation of Insurance Companies (FFSA) announced on Wednesday a rise in prices in general, the grouping of mutual insurance companies (GEMA) was used yesterday in moderation. Andreck Gerard, president and chairman of Gema of Macif has made a distinction between the three main markets of individuals: the self, the multi-hazard housing and health.
Car Insurance
Jacques de Peretti, chairman of the committee of insurers of the FFSA and also CEO of Axa Enterprise, had said during the "Days of brokerage that increases in auto insurance rates would be" quite significant "because of "strong reversal of the claims. For Gerard Andreck, there is indeed a "deterioration in claims experience in both frequency and amount in recent months, but these are just statistics to end of August. However, changes can be very fast, "observes he, before recalling that" Last year we had two semesters completely opposite in terms of claims.
The mutual insurer considers therefore does not "have quite yet the basis for deciding" price of car insurance next year. And even worse if the number of road accidents and their costs should be confirmed, "each company will be determined by its own financial condition and according to its own business strategy," adds he quoted in illustration two positions Maaf (Member of GEMA) has already said that its auto rates remain stable in 2010 and that the opposite of Axa (member of the FFSA).
Home Insurance
In insurance, however, insurers Gema find, as the traditional companies, an increase in claims due to storms and Klaus Quinten's early years and the local recurrence of lower amplitude as the floods of the weekend last. It remains to determine the level of higher premiums could range from 3% to 6%.
Health Insurance
Similarly, health insurance, under regular transfers of costs for Social Security to complementary Gerard Andreck predicted an increase of 3% to 6% for Macif Mutuality. This mutual, a leading healthy individual with 700,000 people protected alongside Maaf Health with more than one million people protected, Gema make a significant player in this market segment. "The share of Gema health insurance will go rampant," says its president stating that the "liaison group" between the French Mutuality (FNMF) and Gema, in preparation for a year, should start operating in October.
Car insurance for young people: take precautions
Today, more and more young drivers are tempted to drive without being perfectly side rule insurance. A temptation that can be very expensive ...
True, the phenomenon is increasingly common: young people who drive without being insured ... And it's consequences. If you are young driver attention to the attitude you adopt about insurance. Of course, for you, the obligation to make sure it is the certainty of spending money without any consideration in the lives of every day.
It is true that the insurance: it is primarily the payment of an annual bonus ...
Yes. But this negative image of the insurers should not lead you to make dangerous choices. As not sure at all. This guy, well ... of forgetting is much more than just a breach of traffic laws: it is considered a crime. That is to say that lack of insurance leads you directly to court. With the final excessively heavy fines - up to 3 750 €.
And especially huge complications if you are involved in an accident?
Yes. No damage you will not be refunded. And things take a dramatic turn when, without legal cover, you find fault in an accident. In this case, all charges will be borne by you - including any disability compensation to pay if you hurt someone. This can continue for decades.
If the car follows the young parents do not need a specific insurance in these cases?
Warning: driving a car the parents, without prior notification to the insurer, this may not be possible. Some companies - notably mutuals - automatically accept the use of the family car for young license holders. But this is not true for all insurers, far away. Especially, read out the contract which has been established, if necessary, pass a phone call to your company. Because in many cases, conduct, even occasionally, the family car by a young licensee, is conditional: it must be reported to the insurer.
Insurer who then demand a "premium" .. ?
Yes. It considers the case when there is increased risk when the car is assigned to an inexperienced driver. And it goes even further: some high-performance models can be completely denied to a younger, including a pipe occasionally. These use restrictions are prolonged until the licensee is considered 'young driver', that is to say, until 2 years after obtaining the pink card
True, the phenomenon is increasingly common: young people who drive without being insured ... And it's consequences. If you are young driver attention to the attitude you adopt about insurance. Of course, for you, the obligation to make sure it is the certainty of spending money without any consideration in the lives of every day.
It is true that the insurance: it is primarily the payment of an annual bonus ...
Yes. But this negative image of the insurers should not lead you to make dangerous choices. As not sure at all. This guy, well ... of forgetting is much more than just a breach of traffic laws: it is considered a crime. That is to say that lack of insurance leads you directly to court. With the final excessively heavy fines - up to 3 750 €.
And especially huge complications if you are involved in an accident?
Yes. No damage you will not be refunded. And things take a dramatic turn when, without legal cover, you find fault in an accident. In this case, all charges will be borne by you - including any disability compensation to pay if you hurt someone. This can continue for decades.
If the car follows the young parents do not need a specific insurance in these cases?
Warning: driving a car the parents, without prior notification to the insurer, this may not be possible. Some companies - notably mutuals - automatically accept the use of the family car for young license holders. But this is not true for all insurers, far away. Especially, read out the contract which has been established, if necessary, pass a phone call to your company. Because in many cases, conduct, even occasionally, the family car by a young licensee, is conditional: it must be reported to the insurer.
Insurer who then demand a "premium" .. ?
Yes. It considers the case when there is increased risk when the car is assigned to an inexperienced driver. And it goes even further: some high-performance models can be completely denied to a younger, including a pipe occasionally. These use restrictions are prolonged until the licensee is considered 'young driver', that is to say, until 2 years after obtaining the pink card
Wednesday, September 30, 2009
Car insurance: the bonus for almost everyone The continuing decline in the number of accidents has fostered the rise of the bonus.
The system of bonus benefits to nearly all insured cars in France, a situation encouraged by the continued decline in the number of accidents which raises the question of the mechanism itself, more and more convoluted by the insurers. Approximately 97% of the insured car had a bonus in 2008, almost two thirds (64%) being achieved at the same 50 bonus, the highest possible level, according to figures published by the French Federation of Insurance Companies (FFSA).
If the proportion of drivers in bonus has changed only marginally in recent years it has still benefited from recent measures of road safety, especially in speed. "There are fewer and fewer" malussés "," they say in the mutual insurer Matmut. The system said to reduce / increase or bonus / penalty as defined by the Act prohibits theoretically offer good drivers a reduction in premium above 50% (or bonus 50). But a ruling by the Court of Justice of European Communities, released in 2004, paved the way for tariff preferences going beyond that threshold.
However, "the insurers, irrespective of their distribution channels, including exclusive distributors on the internet or by phone," all have an irreducible level of contribution required to cover make management and sharing, consider Arnaud Yann , head of auto division Macif. Thus, if the end of the bonus / malus could afford to drop a little contribution of good drivers, it would probably upsetting the principle of sharing that allows a relative alignment of contributions for all insured.
If the proportion of drivers in bonus has changed only marginally in recent years it has still benefited from recent measures of road safety, especially in speed. "There are fewer and fewer" malussés "," they say in the mutual insurer Matmut. The system said to reduce / increase or bonus / penalty as defined by the Act prohibits theoretically offer good drivers a reduction in premium above 50% (or bonus 50). But a ruling by the Court of Justice of European Communities, released in 2004, paved the way for tariff preferences going beyond that threshold.
However, "the insurers, irrespective of their distribution channels, including exclusive distributors on the internet or by phone," all have an irreducible level of contribution required to cover make management and sharing, consider Arnaud Yann , head of auto division Macif. Thus, if the end of the bonus / malus could afford to drop a little contribution of good drivers, it would probably upsetting the principle of sharing that allows a relative alignment of contributions for all insured.
Auto insurance. The limits of the bonus-malus
Taking advantage to almost all French motorists, the bonus system is less and less business insurers ...
There are fewer and fewer customers malussés "is admittedly among insurers! Not surprising, since, according to the French Federation of Insurance Companies (FFSA), 97% of French motorists received a bonus in 2008. Better still, almost two thirds (64%) even reached the 50% bonus. It should be seen as the result of recent road safety measures, especially in speed. The disadvantage is that the system now seems fixed.
A legal loophole
Indeed, the bonus / penalty, as defined by the Act prohibits theoretically offer good drivers a reduction in premium above 50%. However, a decision of the Court of Justice of European Communities, released in 2004, paved the way for tariff preferences going beyond that threshold. Imitating Macif who had anticipated the call, and Axa Matmut rushed into the breach to offer additional premium reductions, which can reach 65% of the basic premium after six years the bonus 50. As a response, MAAF and MMA were launched in 2007 the bonus "definitive", which blocks the contribution to 50% of basic rate for drivers 50 without the bonus claim responsibility (accident caused) for three years. In the same spirit, AXA now offers bonus "long term", which does vary the contribution after the second claim responsibility for good drivers, while the law provides that this provision for a single accident caused.
Possible extent
Behind the sacrosanct 50 bonus will also disguise other benefits, which raises the question of the logic of bonus / malus. "The insurers all have an irreducible level of contribution required to cover administrative costs and pooling, consider Arnaud Yann, head of auto division Macif. Thus, if the end of the bonus / malus could afford to drop a little contribution of good drivers, it would probably upsetting the principle of sharing that allows a relative contributions of harmonization.
There are fewer and fewer customers malussés "is admittedly among insurers! Not surprising, since, according to the French Federation of Insurance Companies (FFSA), 97% of French motorists received a bonus in 2008. Better still, almost two thirds (64%) even reached the 50% bonus. It should be seen as the result of recent road safety measures, especially in speed. The disadvantage is that the system now seems fixed.
A legal loophole
Indeed, the bonus / penalty, as defined by the Act prohibits theoretically offer good drivers a reduction in premium above 50%. However, a decision of the Court of Justice of European Communities, released in 2004, paved the way for tariff preferences going beyond that threshold. Imitating Macif who had anticipated the call, and Axa Matmut rushed into the breach to offer additional premium reductions, which can reach 65% of the basic premium after six years the bonus 50. As a response, MAAF and MMA were launched in 2007 the bonus "definitive", which blocks the contribution to 50% of basic rate for drivers 50 without the bonus claim responsibility (accident caused) for three years. In the same spirit, AXA now offers bonus "long term", which does vary the contribution after the second claim responsibility for good drivers, while the law provides that this provision for a single accident caused.
Possible extent
Behind the sacrosanct 50 bonus will also disguise other benefits, which raises the question of the logic of bonus / malus. "The insurers all have an irreducible level of contribution required to cover administrative costs and pooling, consider Arnaud Yann, head of auto division Macif. Thus, if the end of the bonus / malus could afford to drop a little contribution of good drivers, it would probably upsetting the principle of sharing that allows a relative contributions of harmonization.
Mutant Insurance launches new offer of insurance: Auto Temporary
Insuring your vehicle, whatever its frequency of use is a legal requirement. In response, the majority of drivers agreed annual general insurance except in cases where the law permits the use of term insurance: export or import of a vehicle, leaving the auction room ...
However, some drivers do not meet this legal requirement, for lack of funds (lower purchasing power, unemployment, job insecurity) or by choice. To be valid, they may nevertheless be forced temporarily to make sure: if test requirement requiring such insurance or, if the vehicle immobilizer and withdrawal of registration following a default in insurance.
To give a concrete answer to all these situations, Mutant Insurance has launched this new assertiveness was the "Temporary Auto.
The contract "Temporary Auto" is composed of two compulsory coverages and covers both private and business trips. It is characterized by the choice of 7 of contract terms . Each of these terms has a fixed price. For example, for insurance for 60 days in France: 4,54 € / day. To qualify for this contract must be between 23 and 70 years and a driver's license more than 2 years, owning a home in France, and be sole driver. Disaster and if the driver is not the subscriber, a deductible of 750 € will be applied. Designed with insurance companies ARISA (for vehicles registered in the city - outside Bouches du Rhône) and AXERIA Iard this new product is marketed by the 200 shops Mutant Assurances (metropolitan France and overseas departments) and through its network of 900 dealers.
"Temporary Auto 'complements the range of" automobile "Mutant Assurances consists of 3 forms with economic guarantees fundamental ECO Auto, Auto and Auto PLUS ECO ECO Ultimate.
However, some drivers do not meet this legal requirement, for lack of funds (lower purchasing power, unemployment, job insecurity) or by choice. To be valid, they may nevertheless be forced temporarily to make sure: if test requirement requiring such insurance or, if the vehicle immobilizer and withdrawal of registration following a default in insurance.
To give a concrete answer to all these situations, Mutant Insurance has launched this new assertiveness was the "Temporary Auto.
The contract "Temporary Auto" is composed of two compulsory coverages and covers both private and business trips. It is characterized by the choice of 7 of contract terms . Each of these terms has a fixed price. For example, for insurance for 60 days in France: 4,54 € / day. To qualify for this contract must be between 23 and 70 years and a driver's license more than 2 years, owning a home in France, and be sole driver. Disaster and if the driver is not the subscriber, a deductible of 750 € will be applied. Designed with insurance companies ARISA (for vehicles registered in the city - outside Bouches du Rhône) and AXERIA Iard this new product is marketed by the 200 shops Mutant Assurances (metropolitan France and overseas departments) and through its network of 900 dealers.
"Temporary Auto 'complements the range of" automobile "Mutant Assurances consists of 3 forms with economic guarantees fundamental ECO Auto, Auto and Auto PLUS ECO ECO Ultimate.
Insurance Auto : The location and recovery of stolen vehicles with CobraTrak Recovery
Cobra innovates and launches CobraTrak Recovery geolocation satellite vehicle stolen at the same price as less efficient technologies. Cobra democratized and tracking technologie developed for high-end vehicles.
The Advantages of Cobra:
* The ability to locate in real time the vehicle around the world
* Operation system: vehicles of the police can locate the stolen vehicle without specific equipment
* Cobra teams recover vehicle stolen in 36 European countries in cooperation with law enforcement local
* Cobra is partner of several manufacturers premium
* Convention Department of the Interior signed June 22, 2004 in France
* CobraTrak Recovery allows the location of the vehicle computer and mobile phone
"With CobraTrak Recovery, we provide the general public with innovations developed at European level with leading manufacturers. Already leading the segment of high-end, we aim to become also a few years, first on products more widely, "said David TuchBant, CEO of Cobra France and Chairman of Identicar .
How it works?
CobraTrak recovery work through a box the size of a mobile phone with GPS and GSM antennas integrated. Posed to a specialist approved by Cobra directly or concession so undetectable, it can geotag the vehicle and inform the client and platform monitoring and assistance in case Cobra alert. In a moving vehicle without the ignition key or disconnect the battery, an SMS is sent automatically to the customer and flight procedure is initiated.
The customer could also reach him by phone the same platform Cobra noting the flight. The vehicle is then traced by Cobra in France and throughout Europe. The vehicle is then intercepted by the Forces of Order and returned to the owner. An agreement was signed with the Ministry of the Interior in France and many platforms Cobra allow the intervention of law enforcement authorities in over 36 countries while maintaining a single point of contact for the customer: Cobra France.
The Advantages of Cobra:
* The ability to locate in real time the vehicle around the world
* Operation system: vehicles of the police can locate the stolen vehicle without specific equipment
* Cobra teams recover vehicle stolen in 36 European countries in cooperation with law enforcement local
* Cobra is partner of several manufacturers premium
* Convention Department of the Interior signed June 22, 2004 in France
* CobraTrak Recovery allows the location of the vehicle computer and mobile phone
"With CobraTrak Recovery, we provide the general public with innovations developed at European level with leading manufacturers. Already leading the segment of high-end, we aim to become also a few years, first on products more widely, "said David TuchBant, CEO of Cobra France and Chairman of Identicar .
How it works?
CobraTrak recovery work through a box the size of a mobile phone with GPS and GSM antennas integrated. Posed to a specialist approved by Cobra directly or concession so undetectable, it can geotag the vehicle and inform the client and platform monitoring and assistance in case Cobra alert. In a moving vehicle without the ignition key or disconnect the battery, an SMS is sent automatically to the customer and flight procedure is initiated.
The customer could also reach him by phone the same platform Cobra noting the flight. The vehicle is then traced by Cobra in France and throughout Europe. The vehicle is then intercepted by the Forces of Order and returned to the owner. An agreement was signed with the Ministry of the Interior in France and many platforms Cobra allow the intervention of law enforcement authorities in over 36 countries while maintaining a single point of contact for the customer: Cobra France.
Auto, home: what to expect in 2010
Insurers multiply promotional offers contracts on their car. But the comprehensive home, they are more expensive.
Maaf Assurances wasted no time. Since late August, it launched a major campaign in the media and from customers to reassure all those who had not yet asked the question: 1st January, it will not increase rates for its auto insurance! Both precipitation was surprised the other insurers. Some do not revise their prices until 1 April. And among those who fit earlier this year, many have not yet decided on their pricing policy for 2010. However, few have responded. The GMF, for example, said she does not to increase rates next year, and it has lowered by 17% since 2004.
The French have indeed made great discounts in recent years on their contract auto, car insurers have benefited from the decline in the number of accidents to reduce their premiums. Motorists willing to play the competition and have often received very attractive terms.
In recent months more, companies have stepped up promotions to gain market share: reducing the premium of the second car, two months free for new members ... In this competitive market, they are courting such good drivers, who have a bonus of 50%. Over 64% of motorists. After fighting for the win, insurers are now trying to retain, the image Maaf Assurances, which launched the bonus to life, one that never loses ... provided they do not change insurance.
Insurers can they continue this path? In 2008 the French Federation of Insurance Companies had noted a further decline in the frequency of claims ... with the slightest movement on the roads, particularly due to high fuel prices in the first half of 2008. "But this year, the storm Klaus and hailstorms have weighed on the accounts. And the insurers do not copy for further improvement of driver behavior, "said Cyrille Chartier-Kastler, President of Facts & Figures, a consulting firm specializing in strategy in insurance. This year, they should therefore try to simply leave their prices unchanged, or even, for some, to increase slightly. "Premiums would vary from 0 to 3%. But insurers may alter their pricing policy on customers, such prices increase slightly for those already insured in order to fund more attractive offers for new customers need to win, "said Cyrille Chartier-Kastler.
Increases in sight for home insurance
The situation is less desirable for home insurance. Competition among insurers is much less keen on these contracts, perhaps because the premium, which often is around 100 to 150 euros per year, is too modest to encourage French to compare prices, and give the wrong change insurer. In recent years, premiums have been increased. It is true that they are often indexed to the cost of construction, as are the guarantees (eg the maximum value of the furniture may be refunded in case of fire). However, the construction cost had soared in recent years. "In 2008, the comprehensive home have seen their premiums increase by 5 to 7%. This year, the cost of construction has not progressed, but the number of claims, including claims heavier, should lead to a further increase, probably between 2 and 5%, "says Cyril Chartier-Kastler.
To ease the addition, consumers can not rely on them. They must seek the least expensive insurance, but also to clean up the guarantees. Often because they have long been regarded their housing contract, they are more suited to their needs.
Maaf Assurances wasted no time. Since late August, it launched a major campaign in the media and from customers to reassure all those who had not yet asked the question: 1st January, it will not increase rates for its auto insurance! Both precipitation was surprised the other insurers. Some do not revise their prices until 1 April. And among those who fit earlier this year, many have not yet decided on their pricing policy for 2010. However, few have responded. The GMF, for example, said she does not to increase rates next year, and it has lowered by 17% since 2004.
The French have indeed made great discounts in recent years on their contract auto, car insurers have benefited from the decline in the number of accidents to reduce their premiums. Motorists willing to play the competition and have often received very attractive terms.
In recent months more, companies have stepped up promotions to gain market share: reducing the premium of the second car, two months free for new members ... In this competitive market, they are courting such good drivers, who have a bonus of 50%. Over 64% of motorists. After fighting for the win, insurers are now trying to retain, the image Maaf Assurances, which launched the bonus to life, one that never loses ... provided they do not change insurance.
Insurers can they continue this path? In 2008 the French Federation of Insurance Companies had noted a further decline in the frequency of claims ... with the slightest movement on the roads, particularly due to high fuel prices in the first half of 2008. "But this year, the storm Klaus and hailstorms have weighed on the accounts. And the insurers do not copy for further improvement of driver behavior, "said Cyrille Chartier-Kastler, President of Facts & Figures, a consulting firm specializing in strategy in insurance. This year, they should therefore try to simply leave their prices unchanged, or even, for some, to increase slightly. "Premiums would vary from 0 to 3%. But insurers may alter their pricing policy on customers, such prices increase slightly for those already insured in order to fund more attractive offers for new customers need to win, "said Cyrille Chartier-Kastler.
Increases in sight for home insurance
The situation is less desirable for home insurance. Competition among insurers is much less keen on these contracts, perhaps because the premium, which often is around 100 to 150 euros per year, is too modest to encourage French to compare prices, and give the wrong change insurer. In recent years, premiums have been increased. It is true that they are often indexed to the cost of construction, as are the guarantees (eg the maximum value of the furniture may be refunded in case of fire). However, the construction cost had soared in recent years. "In 2008, the comprehensive home have seen their premiums increase by 5 to 7%. This year, the cost of construction has not progressed, but the number of claims, including claims heavier, should lead to a further increase, probably between 2 and 5%, "says Cyril Chartier-Kastler.
To ease the addition, consumers can not rely on them. They must seek the least expensive insurance, but also to clean up the guarantees. Often because they have long been regarded their housing contract, they are more suited to their needs.
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