Tout sur l’assurance temporaire des véhicules

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L’assurance temporaire est un type de contrat qui permet au conducteur d’assurer son véhicule pour une durée déterminée. Elle s’applique sur tous les types de véhicules à moteur et présente des avantages lorsque vous voulez des garanties de façon provisoire. La souscription à une assurance temporaire est d’autant plus une alternative pour éviter de payer plus par rapport à une assurance classique. Nombreux sont ceux qui ont recours à l’assurance temporaire de nos jours. Elle constitue non seulement une solution abordable pour assurer son véhicule pour quelques jours mais permet aussi de s’adapter à vos besoins. Vous avez une voiture, une moto ou encore un camion que vous utilisez peu souvent ? Vous souhaitez prendre une assurance temporaire pour garantir votre véhicule contre différents risques ? Trouvez dans cet article les avantages de l’assurance temporaire et découvrez les garanties qui répondent à vos besoins.

Assurance temporaire des véhicules : les conditions

Comme son nom l’indique, l’assurance temporaire est une assurance qui présente des garanties pour une durée provisoire. La période de couverture varie alors en fonction des assureurs. En moyenne, elle est valable pour une durée de 90 jours. D’autres assureurs proposent des durées plus réduites de 30 jours. L’assurance temporaire est donc limitée contrairement à l’assurance à l’année. Elle s’adresse plutôt aux personnes qui partent à l’étranger ou encore à ceux qui empruntent un véhicule. Il s’agit d’une offre qui s’adresse alors aux conducteurs qui utilisent rarement leurs véhicules peu importe la raison. Il est également possible de choisir l’assurance temporaire pour voyager dans un pays qui n’est pas couvert par votre garantie actuelle. Pour ce faire, vous devez fournir à l’assureur la carte grise de votre véhicule, votre permis de conduire ainsi qu’une attestation sur l’honneur de vos antécédents de sinistres et d’infraction.

Les avantages de l’assurance temporaire chez Direct Temporaire

Moto, automobile, camion, voiturette… l’une assurance temporaire se décline aujourd’hui pour tous les types de véhicules à moteur ? En effet, elle présente des garanties qui protègent la personne qui conduit contre les divers dommages qu’elle peut engendrer sur autrui. La seule différence entre l’assurance temporaire et l’assurance permanente réside sur la durée. L’assurance temporaire se limite à une durée convenue entre le souscripteur et l’assureur. La durée de celle-ci ne peut pas excéder les 90 jours. En ce qui concerne les garanties, le minimum légal est de souscrire à la formule au tiers. La mention de responsabilité civile constitue une protection pour le conducteur. Vous pouvez toujours joindre d’autres formules à votre contrat d’assurance en fonction de vos besoins comme la défense recours. Si vous êtes en déplacement et que vous souhaitez conduire en toute sérénité, il est possible de prendre également l’assistance panne et accident ou encore la garantie corporelle. Dans les deux dernies cas, vous êtes protégé en cas de litige suite à un accident et l’assureur s’engage à entamer les démarches auprès de la compagnie adverse avec le recours. A vous maintenant de choisir la durée pour votre assurance temporaire. Il existe des formules à la journée, à la semaine ou encore au mois. Le maximum pour une assurance provisoire est de 3 mois.

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