An unpredictable event, the breakdown of your vehicle can surprise you, even near your home. Good news: the 0 km assistance of your car contract can help you. Operation, payment or not of breakdown costs, choice of the best car cover. We will explain everything to you about the 0 km assistance guarantee.
SUMMARY
- In the event of a breakdown, what are the advantages of 0 km assistance?
- 0 km breakdown insurance: which car insurance contract? For what coverage?
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| What is the support for 0 km assistance? |
In the event of a breakdown, what are the advantages of 0 km assistance?
The warranty guarantees you the repair wherever you are.
The objective of 0-kilometer assistance is simple: repair (if the breakdown can be repaired on-site) or tow your vehicle (to the nearest partner garage), regardless of the location of the breakdown, and this, even in front of your house. If you do not have this cover, your insurer will only intervene if the breakdown occurs more than 50 km from your home.
- Note:
In most insurance contracts, towing in the event of an accident is not conditional on a minimum distance.
- 0 km assistance avoids towing costs
Subscribing to a 0-kilometer assistance guarantee allows you to make substantial savings in the event of a breakdown. Towing costs are often expensive. It is not uncommon for the amount of the service to reach a few hundred euros. Increases are traditionally applied on weekends, at night, but also depending on the distance to be covered and the type of vehicle.
0 km breakdown insurance: which car insurance contract? For what coverage?
In all-risk contracts, the 0 km assistance guarantee provides for rapid repair of your car.
The vast majority of auto all-risk contracts include the 0-kilometer assistance guarantee in their top-of-the-range formula. It can also be offered as an option in the other formulas. But beware, not all insurers offer it in third-party formulas, or with old vehicles.
- In the event of a breakdown:
Since a breakdown is a potentially stressful situation, your insurer will make every effort to ensure that the repairman intervenes quickly (often in less than an hour. Sometimes more, in the event of bad weather or heavy traffic linked, for example, to vacation departures).
- Your insurer offers supplements for better coverage
If your vehicle cannot be repaired, a repatriation solution to your home will be offered. Depending on the distances separating you from your home and your destination, accommodation or a continuation of the journey may be considered.
Most insurers offer to supplement the 0-kilometer assistance guarantee with a temporary replacement vehicle guarantee. You will be able to use a loaner vehicle for all or part of the repair period of your automobile.
Note:
Running out of fuel is not systematically included in the 0-kilometer assistance guarantee. Some insurers believe that they are the result of negligence on the part of the driver.
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