Aggravated risk insurance can cover drivers terminated for non-payment, frequent claims, alcohol or narcotics.
Being terminated by your insurance for serious reasons such as non-payment, frequent claims, alcohol or drug use may seem like a dead end. However, there are solutions to take out new insurance despite a so-called "high risk" profile . Find out how to protect yourself and find suitable coverage.
1. What is an Aggravated Risk in Insurance?
An “increased risk” refers to a profile deemed riskier by insurance companies, resulting in termination or denial of coverage. Common causes include:
- Non-payment of premium : When contributions are not paid within the specified time frame.
- Increased frequency of claims : A high frequency of claims may lead the insurer to terminate the contract.
- Alcohol and drugs : A conviction for driving under the influence is a major aggravating factor.
Consequences :
- Termination of the current contract.
- Difficulty finding new traditional insurance.
2. The Consequences of Termination for Aggravated Risks
Being terminated for an increased risk can complicate access to standard insurance and lead to:
- Higher premiums : Insurance companies charge more to cover a profile perceived as risky.
- Limited Warranty : Certain warranties may be restricted or excluded.
- Legal obligation : In France, driving without insurance is prohibited and subject to penalties.
3. Solutions for Subscribing to Aggravated Risk Insurance
Fortunately, solutions exist for terminated drivers:
- Specialized Insurers : Some companies focus on risk profiles and offer tailored contracts.
- Central Pricing Office (BCT) : In the event of multiple refusals, the BCT may impose civil liability insurance on a company.
- Negotiating Guarantees : Reduce perceived risks by accepting high deductibles or limiting options.
Advice :
Contact a broker like KT Assur&Bank , which specializes in insurance for aggravated risks, to find an offer suited to your situation.
4. How to Reduce the Aggravated Risk of Your Profile?
To reduce costs and improve your profile with insurers, you can:
- Drive safely : Avoid violations and claims to restore a good reputation.
- Take awareness courses : In the event of alcohol or drug use, these courses show a willingness to correct oneself.
- Pay your premiums on time : Pay your contributions promptly to avoid future cancellations.
Conclusion
Being classified as an aggravated risk in insurance can be a challenge, but it is not an end in itself. With the help of an experienced broker like KT Assur&Bank , you can find coverage adapted to your situation and comply with your legal obligations.
Contact us today to explore your options and purchase insurance that will allow you to get back on the road with peace of mind.