Review your contract in detail To eliminate unnecessary guarantees
The first reflex consists of review your current contract To detect superfluous options. Over time, the needs of an insured change, and some guarantees become obsolete. For example, paying a guarantee extension for value goods that no longer exist, or keep specific covers not adapted to its current accommodation, unnecessarily increases the annual premium.
A specific audit of his insurance allows Target the really necessary protections : civil liability, fire, water damage, theft, natural disaster. The rest can often be adjusted or deleted. It is advisable to request your insurer to obtain a detailed explanation of each contribution post before deciding.
Regularly compare offers To stay competitive
In a high tension market, Playing competition becomes essential. Many insurers offer promotional or adjusted offers to attract new customers. An annual comparison allows Check if an alternative contract does not offer equivalent coverage for a lower price.
Be careful however: it is not only a question of comparing the amount of the premium. It is also necessary study franchises, guarantee exclusions and compensation ceilings. A cheaper contract, but less protective, can cost much more in the event of a claim.
Adapt the franchise to reduce
The franchise is the amount that remains the responsibility of the insured in the event of a claim. The higher it is, the more the annual premium decreases. This lever can be used intelligently to contain the rise in prices.
For insured persons capable of assuming a higher dependent rest in the event of a minor incident, Increasing your deductible to negotiate a significant reduction in the premium. It is a particularly relevant solution for profiles presenting a low risk and wishing to bet on coverage essentially for major claims.
-Here is a summary table to illustrate this effect:
| Deductible | Estimated impact on the annual premium |
|---|---|
| Franchise standard (150 €) | Full bonus |
| High franchise (€ 500) | Reduction from 10 % to 20 % |
| Very high franchise (€ 1,000) | Reduction from 20 % to 30 % |
Update the equipment of security for discounts
Strengthen the safety of your accommodation can also lower the cost of home insurance. Many insurers grant significant reductions to housing equipped with certified alarms, video surveillance systems or armored doors.
Installing a recognized device allows decrease the risk of claims, in particular theftwhich justifies a lower bonus. In some cases, the economy made in a few years can largely amortize the initial investment.
It is essential to report any improvement in the safety of the accommodation to its insurer To benefit from it on the next contractual deadline.
Do not hesitate to renegotiate during the year
Since the Hamon law of 2015, It is possible to terminate your home insurance contract at any time after a year of commitmentwithout fees or penalty. This system promotes mobility and consumer negotiation capacity.
Even if you are satisfied with your current insurer, mention competing quotes during a tariff discussion may encourage a discount or to adjust certain conditions. In a context where increases are generalized, it is important to adopt a proactive posture.
