So this is how screwed up insurance is in France. I bought my car insurance through BNP Paribas, and like all good insurance sellers they increase the premiums each year hoping you won’t notice. If you do notice and query it, they shrug their shoulders and say “that’s just the market”. Sometimes they’ll even throw in some nonsense such as “but there have been more thefts this year”, as if the doozy you’re talking to would know that.
Anyway, after 4 years of this I got fed up and decided to change. Changing insurance companies in France is rather difficult, made deliberately so by the insurance companies. It has got a bit easier recently thanks to the Hamon Law which aimed at doing away with anti-competitive practices. However, it’s still not straight forward. When you sign up with the new company they contact your old company and cancel your agreement with them, but they then ask you to obtain two documents from your old company:
– An information statement listing any accidents the driver’s had while insured, or lack thereof.
– Confirmation the insurance has been cancelled, or the reason why the request was refused.
I immediately asked for these from my previous insurer, who didn’t bother replying. I asked BNP Paribas, who shrugged their shoulders. I dug around and found that unless you send the request by recorded delivery, the insurance companies refuse to comply. I also found out BNP contracts their insurance to an outfit called AVANSSUR, a subsidiary of Axa, whose address is at 48 Rue Carnot. My new insurance company – Direct Assurance – told me I should ask them for my documents, and they have a legal obligation to provide them within 15 days. Unless they come tomorrow, which is unlikely, I will not be getting them in that time period. So I went to advise Direct Assurance that I’m having no luck getting these documents, and somehow I discover they are also a subsidiary of Axa, their address is 48 Rue Carnot, and:
AVANSSUR is a subsidiary of AXA that operates under the Direct Assurance brand.
In other words, I’ve saved myself 30% on my insurance by switching contracts within the same company and I’m waiting for them to send me documents which they are asking to see. What makes it more amusing is that, in order for the new company to cancel your contract with the old one, you give them the policy number and all the details. So they know they’re dealing with themselves, but I’m still getting emails reminding me I’ve not sent my documents and advising I write to them tout de suite.
Welcome to France. Happy New Year, folks!