Car Insurance: Best Practices in Litigation


Promote dialogue Insurance Mediator


The first rule in litigation is still trying to find an amicable solution by promoting dialogue. Also, after a finding, it is important to quickly contact the advisor or broker in charge of your case. This is an opportunity to obtain justifications and make your point of view.


This approach is unfortunately not the most common. However, it is often appreciated by cheap no deposit car insurance companies and after clarification of the parties it is common to reach an amicable agreement.


Associate with other insured


If the dialogue does not lead to an amicable resolution of the dispute, it may be worthwhile to use associations insured or consumers. This helps to get in touch with other policyholders in the same situation with insurance companies. Often, litigation, unity is strength and it can exert greater pressure on companies.


Think of the expertise


Often litigation concerning car insurance and regarding the amount of compensation offered by the insurer, to the extent this amount is mostly determined by an expert; do not hesitate to ask for expert opinion. For this, it suffices to appoint an expert car at your expense. If the contradictory expert reveals large differences with the expertise achieved by the cheap no deposit car insurance company, a third independent expert will arbitrate the dispute.


Namely: the cost of third-party expertise is shared between your insurance company and you.


Using a mediator


Totally independent, the insurance mediator intervenes free of last resort. Also, other amicable possibilities must have been exhausted and there should not be any legal proceeding.


To benefit from the intervention, simply submit the file to the mediator of the insurance by registered letter with acknowledgment of receipt. This file should contain all pieces necessary for the proper understanding of the issues as well as information on the insurance company.




Car Insurance without a License


Documents required for insurance for a car without a license Unlicensed Car Insurance


In order to purchase auto insurance for a vehicle without a license, the insured must provide the insurer the vehicle’s registration. Indeed, as any land vehicle, motor vehicle without a license must be registered.


The guarantees offered by insurance vehicle without a license

As with any vehicle, vehicles without permits must be provided at least one-third.


The insured may, of course, if desired, purchase additional guarantees in its cheap no deposit car insurance and even ensure his vehicle without a license all risks.


Generally, the guarantees offered with optional car insurance for a vehicle without a license are the same as for other vehicles (glass breakage, theft, assistance, legal protection …).


Unlicensed cars easy to ensure


Vehicles without permits are often easier to secure than others. Indeed, their characteristics (maximum speed of 45 km / h, maximum power of 4 kW, maximum capacity 50 cm3) allow only urban driving and low risk.


In addition, vehicles without permits are less often involved in accidents and suffer fewer flights than other vehicles.


Note: Some insurers, including online, specialize in car insurance without a license. It is therefore useful to compare quotes from different insurance companies to get cheap no deposit car insurance.


The cost of insurance for a car without a license


If we take into account the characteristics mentioned above, we can easily understand that unlicensed cars are less expensive to insure than others.


On average, the cost of insuring a vehicle without a license is the same as the insurance of a scooter.


However, the cost of insurance may also vary depending on the profile of the insured (age, geographic location, history).


Namely: in the event that the insured would withdraw its license, the insurance company may decide to impose a surcharge, even if the license is not necessary to use a car without a license.