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Under the agreement, the insurance market will not refuse to provide insurance to a person seeking insurance if they have approached at least three insurers and have not been able to obtain coverage from them. As a general rule, the insurer requested first is required to make an offer to the person. It is therefore important that the applicant be required to carefully note the order in which he or she contacted each of the three companies. In these cases, you must refund the customer`s premiums until the date of cancellation. The reason is that the directive was no longer in force for that period. They would not expect a customer to pay for a rule they did not have. Sometimes we also see cases where the insurer says that the customer did not say what happened after the policy was introduced. As a general rule, a customer should only disclose information to the insurer if they purchase or renew a policy. Therefore, if something changes after the policy is launched, the customer should generally notify the insurer only if the policy is extended. Customers are only expected to answer questions in your soul and conscience. It cannot be reasonable to expect a client to remember exactly when certain events occurred, or to know the answer for a regular policyholder. In some cases, it may not be advisable to expect a client to know the answer to a question. In most cases, you must renew your insurance policy every 12 months.

This can usually be done online, in person or over the phone. Note that premiums often change at the time of extension, so it`s worth re-buying and receiving offers from different companies before renewing your policy with the same insurer. Full insurance is, in most cases, the most expensive coverage on the market. It offers the same coverage as fire and theft by third parties; However, it also allows you to claim accidental damage to your own vehicle, regardless of who is responsible in the event of a collision. Other insurance that is often denied are motorists with excessive penalty points or unusual cases that may be considered too risky, he added. Level of coverage required. In most cases, liability insurance with a lower premium than fire protection and third-party theft becomes important, while comprehensive insurance is usually the most expensive form of coverage. Many insurers also offer additional forms of optional coverage that increase the cost of your premium. These additional blankets may include: no damage supplements, windshield cover, damaged or stolen personal items, emergency and recovery service and coverage for a rental vehicle if your vehicle is not on the road. After receipt, we will process the application and we aspire to a response from the insurer within 5 business days, but this may vary depending on the circumstances of the application. Once the insurer has fulfilled its obligation to make an offer under the contract, all necessary personal documents/data will be provided between the insurer and the broker acting on behalf of the application.

« I guess in many cases the offer that resulted was prohibitive and the person was not able to get the auto insurance they could afford, » he said. In some cases, your insurer will issue you a green card. The green card system is a protection mechanism for victims of cross-border road accidents, which consist of 48 Member States.