Will your car insurance premium increase?

From July 2022, new cars built in Europe will have to be equipped with a dealer who will provide information on how to drive at the time of a possible accident. If a few years go by before they hit the streets, the question of their impact on the level of car insurance premiums arises. MoneyVox and rpond.

Real revolution or simple technological addition? from 6 July, new cars manufactured in the European Union (2019 directives) must pass equipped with an anti-sleep and anti-distraction alarm, emergency braking assistance and … a black boot, similar to the recording locations of cockpits des avions. These vehicles will not be marketed until at least one more dj more questions arise.

Why a black boot?

To justify this device, the road safety is highlighted. Allows you to register driving parameters 30 seconds before and 10 seconds after an accident such as speed, acceleration or braking phase, seat belt wear, turn signal wear, collision force or engine speed.

Women will only use law enforcement research and consultation. These recorders will be impossible to deactivate and inaccessible to the driver. On the other hand, unlike black aircraft boots, the sounds will not be recorded and no image will exist.

The example of the United States is also advanced. Across the Atlantic, recorders have been around since 2006 and beyond government has measured a 20% drop in accidents over the past five years, according to the Assurland.com comparator. Knowing that they are being watched by their car, motorists would tend to be more vigilant.

What about used vehicles?

Used vehicles will end up being a concern but these new obligations will only be imposed …. later. The first chance of 2024 did not confirm this status. It remains to be seen whether the addition will be mandatory or only in case of change of ownership while both wheels are not concerned.

A black boot deems insufficient and intrusive

We will have only a few data, especially on the speed of the vehicle that will not provide all the details of the accident, since we go through everything else, especially the refusal of priorities, the use of the phone while driving, In the end, Pierre Chasseray, general manager of the 40million motorists’ association, regretted on Franceinfo that there was nothing more than an additional cost on vehicles.

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from the moment you register women, what guarantees that the state or private bodies will not use them against the driver. The typical example is the insurance premium that could vary tomorrow because you had an accident with a driver leaving your vehicle in your garage for example. At the moment, we do not have these guarantees, so we are warning about this, underlines Nathalie Troussard, general secretary of the Motorists League on RMC.

What effect does the car insurance premium have?

The data will not be used only in the event of an accident or for statistical purposes for anonymous studies of road safety guarantee the promoters of this change. what’s up the information will in no case be transmitted to insurance companies. And even if that were the case, it would not stop the compensation, says Olivier Moustacakis, co-founder of Assurland.com. In fact, the only situations in which the insurer can reimburse are in the event of alcoholism while driving or consuming illicit substances.

Nevertheless, the expert fears an increase in the price of cars, also pointed out by 40 million motorists, links the installation of the boot. However, a more expensive vehicle is a more expensive vehicle to insure, he insists. All the same good news: if the goal of reducing road accidents by 20% as in the United States is achieved, we could see a reduction in premiums, with less claims to compensate for insurance companies.

A decline that will not be immediate, no matter what happens and will not immediately compensate for the 16% increase in the average premium over the past 10 years.

Car insurance: change contract

The shopkeeper for car insurance does not make a prescription

Car insurance per kilometer (pay as you drive) or bases on driver behavior (pay how you drive) have two things in common: none really works in France and all had the peculiarity of requesting the origin (Boursorama with Carapass or Leocare ). have chosen to work trust with the customer), the installation of a control boom. Alas, motorists have largely rejected this model as too intrusive in France.

The advantage of a premium determined by a mobile application that the driver must always have with him on his smartphone has not convinced despite promises of gain includes between 12 and 40% according to the comparator LeLynx.fr and a real interest consumers.

Among 25-34 year olds: 73% pay for insurance on demand but few take the plunge … especially because insurers offer few such contracts.

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