Cars: insurance, cost, color … round the question

The beginning of the year is conducive to the balance sheet, publication of figures and the automotive sector is no exception. The figures of accidents, the cost of the car … are known and we dissect them!

 

The high cost of car drivers without insurance

The high cost of car drivers without insurance

In 2018, more than 30,000 road accidents involved an uninsured driver. In 2016, 235 people died in a road accident involving an uninsured vehicle, or 7% of road deaths and according to the National Interministerial Observatory of Road Safety, 2% of private vehicles traveling on the roads of France are not insured.

Who says uninsured then says problem of compensation for accident victims. The Compulsory Insurance Guarantee Fund (FGAO) then takes over and compensates the victims. This public body sounded the alarm in early 2019: it highlights the explosion of the number of uninsured and its consequences. The fund paid 119 million dollars last year, an increase of 32% in five years.

Insurers, who fund this guarantee fund, are looking for ways to reduce this cost and better identify the uninsured. A file of the insured (FVA) has been created and is effective since January 1st. It lists the insured cars and therefore by default, if the vehicle is not there, the uninsured.

 

The Frenchman’s car combed

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Studies on the color of the car of the French have been published, especially in Paris. The car of a Frenchman is mostly gray, white or black. Point of fantasy since 2000, the date of the crisis. Colored cars are not popular and this would depend heavily on low household morale.

But there is white and … white. This color, the most used color in the world for cars, can also be declined in subtle nuance, which sometimes reinforces the technicality: it sometimes takes three layers of paint to arrive at a pearly white. But the white color has other consequences: an Australian study of 2007 shows that white vehicles are less involved in a daytime accident compared to dark-colored vehicles (-10%).

The well-anchored idea of ​​paying for the insurance of his more expensive colored car would also explain the attraction for more neutral hues. But today insurers would no longer consider this criterion “behavioral” (as the choice of certain types of car more eye-catching).

Ruetz also published a study last April and drew up a typical portrait of the French driver (based on requests for quotes received). It is rather a young man (18-40 years) and single, who travels on average 13800 km per year. He often drives a used car (88%), French brand, a vehicle bought at 68% cash (26% on credit). The French driver often drives Peugeot 206 and Renault Clio, to get to work and make private trips. Only 36% want to insure the car only for business trips.

 

A rising car budget

A rising car budget

The automobile club association has, she, looked at the budget of the French motorist. It is up 1.8%. Maintenance expenses increased from 3.4% to 3.8% depending on brands, insurance premiums follow the same trend, with an average of 2.5%. Fuels (value excluding taxes) increased by 15.4% (super SP95) and 22.5% (diesel) while petrol taxes rose by 6% for super and 12.9% for diesel. diesel.

 

The LLD in force

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The year 2018 will also be the year of the LLD, which has the wind in its sails: out of 2.5 million vehicles registered in 2018 563000 were in LLD (22.2%) most often by companies. But the number of individuals who has chosen this option to purchase has increased by 21.5% since 2017. The LOA represents 50% of the car market in France according to the association of financial companies.

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