the right plan for motorists?

Unlike traditional insurance, online insurance does not have physical agencies. Whether it’s a quote request, a claim declaration, etc., you can do everything digitally on your insurer’s website or by phone with an advisor.

Some traditional insurers are starting to offer dematerialized quotes, while “pure players” (100% online insurers) have fully dematerialized customer service and often more competitive offers, faster and simpler underwriting procedures.


Before choosing online insurance that fits your budget, but above all your needs, it is important to pay attention to certain criteria such as guarantees, deductibles and exclusions. Do not hesitate to ask for several quotes to compare prices. Photo DR

What are the advantages ?

In a few clicks, you can easily choose the insurance that suits you by comparing the prices and guarantees offered by each of them via a comparator.

Subscription is simplified and immediate: just follow the online instructions to choose your contract before receiving a green card by post or email.

The rates offered take into account the reduced costs of this type of insurance, which can lead to substantial savings. Finally, payments and sending of documents are made via a secure site.

In the world of online insurance, you have the choice between traditional players who are looking to renew themselves to offer digital offers and 100% online insurers.  MMA picture

In the world of online insurance, you have the choice between traditional players who are looking to renew themselves to offer digital offers and 100% online insurers. MMA picture

And the disadvantages?

If you appreciate human exchanges, chatting with your advisor at his office, go your way. If you do not master computer tools, you will have to get help or forget this formula.

The lack of assistance and advice is sometimes a criticism expressed by some customers, but not all online insurance companies have the same practice and most of them are easily reachable by telephone, or via a “chat” in direct.

The comparison is necessary

“100% digital” insurers are beginning to make a place for themselves in the landscape; Ornikar, Lovys, Wilov or a little new Flitter who specializes in insurance per kilometer. One way to find out if one insurer or another is right for you is to go through a comparator.

By filling out an online form (your profile, driving history, characteristics of the car and its use), you will have access to tailor-made rates according to the services chosen.

For the most part, these online insurers pride themselves on being more flexible than their traditional competitors. As for the financial benefit, some advance the amount of 250 € per year. It remains that it is necessary to check your guarantees.

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