Economy What questions should you ask yourself before choosing your...

What questions should you ask yourself before choosing your insurer?

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If the criteria of guarantees and amount of premium are imperative to choose an insurance contract, the quality of service also comes into account. – IStock / City Presse

Indispensable partners in everyday life, insurance protects against many risks ranging from water damage to car accidents, including a common fall on foot in the street or even the deterioration of our equipment.

However, to avoid having to pay dearly if something goes wrong, the French are ready to pay the price. Count on average 611 euros per year for car insurance, according to a study by Assurland.com, 160 euros to insure your home according to LeLynx.fr and some 700 euros per year for a mutual, according to Hyperassur.com. At this price, it is better for the quality of service to be there.

Objective criteria

Faced with an ultra-competitive industry, it is relatively easy to compare insurance offers to find the one that will best suit your needs. In addition to the total price, you must take into account the guarantees offered in the contract, but also and above all the causes of exclusion and other deductibles that could penalize you. To help you do this, the Insurance Product Information Document (Dipa), mandatory since 2018, offers a standardized summary.

Beyond the terms of the contract, there are certain more subjective criteria that can weigh in the balance. Does the insurance company have good customer service? Are the interventions quick? Are the support procedures tedious? In this area, it is often word of mouth, and more generally online reviews, that give an idea of ​​the quality of service provided by insurers.

The opinion of the community

While comments posted on the Web should always be taken with a grain of salt, comparator Assurland.com launched its Opinion-Assurances.fr site in 2020. A sort of TripAdvisor in the insurance sector, this specialized social network aims to share thousands of testimonials and feedback from policyholders, in order to help users and encourage professionals to improve their services.

After more than 100,000 reviews published, the average rating of insurers is 2.17 out of 5, while L’olivier Assurance (auto), Pacifica (home) and MGP (health) stand out as the best students, according to analysis of the contributions for the second half of 2020. Regarding dissatisfaction, it is the price and the difficulty of reaching customer service that bothers policyholders the most.

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