Driver with a cancelled or penalty rating in the French overseas departments and territories? KT Assurance helps you find suitable car insurance in Guadeloupe, Martinique, Réunion, French Guiana or Mayotte.
Do you live in the French overseas departments and territories and have difficulty finding car insurance because of a penalty, a cancellation or an accident? This situation is called aggravated risk , and it affects many drivers in Guadeloupe, Martinique, Réunion, French Guiana, Mayotte and other overseas territories.
Fortunately, solutions exist. KT Assurance assists drivers with an increased risk to enable them to find suitable car insurance, even after a refusal or cancellation.
What is considered an aggravated risk driver in car insurance?
A driver is considered to present an increased risk when their profile is deemed higher risk by insurers. This can be due to several situations:
Cancellation by an insurer
The most frequent reasons are:
- non-payment of contributions,
- too many disasters,
- fraud or false declaration
- alcohol or drugs,
- license withdrawal or suspension.
High penalty
A high bonus-malus coefficient indicates a high claims history, which makes access to insurance more difficult.
Frequent or serious claims
Repeated accidents where someone is responsible increase the perceived level of risk.
Suspension or withdrawal of license
After a suspension, finding car insurance can become complicated.
Young driver or atypical profile
Certain profiles are considered riskier according to insurers' statistics.
Why is it more difficult to get insurance in the French overseas departments and territories with an increased risk?
In overseas territories, certain factors can make obtaining insurance even more difficult:
- fewer insurers present locally,
- specific traffic conditions
- accident rates are sometimes higher depending on the area.
- more complex administrative procedures.
As a result, many drivers in Guadeloupe, Martinique, Réunion, French Guiana or Mayotte find themselves without a traditional insurance solution.
Is it mandatory to insure your vehicle in the French overseas departments and territories?
Yes. As in mainland France, car insurance is mandatory in all French territories, including the overseas departments and territories.
The minimum mandatory guarantee is civil liability , which covers damage caused to third parties.
Driving without insurance exposes you to heavy penalties:
- a fine of up to €3,750
- license suspension
- vehicle immobilization
- legal proceedings.
What solutions are there for drivers at increased risk in the French overseas departments and territories?
Specialized insurance for high-risk profiles
Some insurance policies, like those offered through KT Insurance policies are specifically designed for drivers:
- terminated,
- penalized,
- after license suspension
- after disasters,
- or having been refused insurance.
Customized solutions
Each situation is analyzed individually in order to propose a suitable coverage.
Remote subscription possible
Even in Guadeloupe, Martinique, Réunion, French Guiana or Mayotte, it is possible to take out suitable car insurance without leaving home.
Concrete examples in the French overseas departments and territories
Example 1: Driver's license terminated in Martinique
After a cancellation for non-payment, a driver can no longer find insurance.
KT Assur&Bank allows him to find suitable coverage.
Example 2: Driver with a penalty in Guadeloupe
After several at-fault accidents, a driver is refused coverage by several insurers.
A specialized solution allows it to be insured despite its penalty.
Example 3: Driving licence suspension in Réunion
After a suspension, a driver must insure their vehicle to legally resume driving.
KT Assur&Bank offers a solution tailored to its profile.
What guarantees are possible?
Depending on the situation, the guarantees may include:
Mandatory civil liability insurance
Covers damages caused to third parties.
Additional guarantees available
- legal protection
- assistance,
- damage guarantees,
- Coverage tailored to the driver's profile.
Why choose KT Insurance for a high-risk car insurance policy in French overseas territories (DOM-TOM)?
KT Insurance supports drivers in all overseas territories with:
- solutions tailored to profiles with cancelled or penalty points,
- a personalized study,
- Offers accessible despite an increased risk.
- remote subscription is possible.
- comprehensive support.
High-risk car insurance in French overseas departments and territories: a solution exists
Even with a penalty, a cancellation or a difficult history, it is possible to find suitable car insurance in Guadeloupe, Martinique, Réunion, French Guiana or Mayotte.
The important thing is to go through a specialist who can offer solutions tailored to your profile.
Conclusion
Being considered a high-risk driver in the French overseas departments and territories doesn't mean you can no longer get insurance. With the right solutions and tailored support from KT Insurance: you can find car insurance that complies with the law and is tailored to your situation. Whether you are in Guadeloupe, Martinique, Réunion, French Guiana, or Mayotte, solutions exist.
Request your car insurance quote now here: Personal Car Insurance