Quel est l'intérêt des assurances ?

Quel est l'intérêt de la souscription d'une assurance voiture ?

L'assurance voiture ou tout autre véhicule léger, utilitaire ou commercial (camion, auto - car) ou encore motocycle est obligatoire par la souscription d'une police d'assurance comprenant un minium de garanties dit "souscription minimale obligatoire" ce qui revient à la garantie de la responsabilité civile du conducteur et les frais de l'assistance judiciaire.

Toutefois, le conducteur a le libre choix de souscrire une large gamme d'options lui permettant de bénéficier d'une protection étendue renfermant la couverture de plusieurs éventuels risques.

L'assurance voyage

C'est une assurance permettant à tout voyageur désirant de séjourner en dehors de son pays de bénéficier d'une couverture totale ou partielle des frais d'hospitalisation, des soins sanitaires, des frais de transport en ambulance et des frais du transport de la cadavre jusqu'à son pays d'origine (dans le cas du décès).

Cette assurance est d'ailleurs fréquemment exigée lors des demandes de visas d'entrées dans de nombreux pays du monde.

 L'assurance à l'export

Cette assurance est souscrite souvent par les opérateurs d'import - export. Son coût est variable selon la quantité, la valeur et le moyen de transport de la marchandise exportée (fret aérien, fret maritime,…).

Bien qu'il s'avère parfois coûteuse, elle permet d'ailleurs une meilleure protection dans le cas d'éventuels accidents survenant au moyen de transport acheminant la marchandise, la perte ou la déperdition de la qualité de cette marchandise ou dans des cas très limités le non paiement du client importateur de la transaction commerciale.

Assurance habitation

Il s'agit d'une assurance destinée à couvrir totalement ou partiellement les différents dégâts survenant à un bien immobilier, personnel soit- t- il ou professionnel (local commercial ou société). Ces dégâts peuvent être de nature différente, à savoir l'inondation, l'incendie, le vol de meubles de l'appartement,…

La valeur de la prime est variable selon le montant de d'acquisition initiale du bien immobilier et de la valeur résiduelle souscrite.




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