Business trips: how to insure? – Forbes France

Depending on the size of the company and its specific requirements, employees may be asked to go on business trips abroad, travel to conferences, meetings or even seminars. During their business trips, they are exposed to various types of hazards such as accidents. In order to better anticipate risks, employers must take out car and travel insurance for their employees. Here is important information to remember about business travel insurance.

Auto insurance for your personal car

According to the standards set by the state authorities, every owner of a motor vehicle is required to prepay a Car insurance. At a minimum, he must opt ​​for civil liability coverage to cover the damage his vehicle may cause to a third party. This includes material and bodily damage (physical injuries, fractures, contusions, etc.) as a result of an accident. If you drive without this cover, you risk a fine of 3,750 euros. Depending on the circumstances of the offense, you may receive additional penalties ranging from community service to suspension of your driver’s license.

In addition to the basic package, you have the option of adding fire, theft and collision coverage. For more comprehensive coverage, opt forall accident insurance. Also known as comprehensive insurance, it pays for damages caused to your own car regardless of who is responsible for the accident. As a result, this optional insurance covers damages that you suffer and cause to your own vehicle, which does not apply to liability coverage.

In general, personal auto insurance only compensates for damages related to the personal use of your vehicle. If you plan to use it for professional purposes, make sure your insurance covers you adequately. Contract clauses may need to be revised with the insurer. However, some strongly oppose the idea of ​​changing basic coverage and instead offer insurance specifically designed for business travel.

How does your company insure a company car?

Just like personal cars, company vehicles must be insured. Generally, it is the employer who pays the car insurance for the professionals who work for their company for the duration of the contract. If the company does not have its own vehicle fleet, it can request the services of a rental company. This is a flexible solution so that you do not have to bear the costs associated with the purchase and maintenance of vehicles. In this case, the rental company takes care of employee insurance. She is the one who also pays the insurance premiums to the insurer.

A company car differs from a passenger vehicle only in name. In practice, the procedure for insuring such a car is practically the same as for a classic vehicle. The employer or the rental company will have to choose between a third party, intermediary and all risk formula. They can negotiate the terms of the contract with the insurer and tailor the cover. It is true that the insured must pay the co-payment in the event of an accident, but in the case of gross negligence, he can leave it on the employee.

It very often happens that some employees let their loved ones (friends, parents, etc.) drive the company car. In the event of an accident, the insurance covers expenses, provided that the driver signs up for it. If the incident occurs outside of working hours, the company disclaims all liability and it is the employee’s responsibility to pay the excess.

Travel insurance for your trips abroad

L’travel insurance for business trips is advantageous in many ways. It covers emergency medical expenses, which is beneficial in countries like Canada where the cost of care is particularly high. By signing up for such insurance, you will get immediate help in case of emergency, accident or any unforeseen event. In addition, you can benefit from assistance in handling the administrative formalities related to the trip. We mean in particular the processing of visas, passports and other important documents. In addition, travel insurance includes assistance with repatriation to the country of origin in its clauses.

The guarantees of professional travel insurance differ between individual insurers. It is up to the employer to choose an insurer that offers plans that suit their goals. Since there are many companies that offer this type of service, it is wise to do a thorough analysis of the offers before signing the contract. The best insurance company is not always the one that offers a low rate. Likewise, an expensive offer is no guarantee of excellent quality. Use the travel insurance comparison tool to find the best players on the market. In general, the employee has a choice between unot group and individual travel insurance. The first option is recommended for large companies, while the second solution is more suitable for small businesses.

How are you covered for health matters?

From 1 January 2016, every employer in the private sector, except natural persons who employ employees at home, must offer mutual health insurance of its employees. This provision helps them cover medical costs beyond the portion covered by social security. Although this is a legal requirement, you can opt out of such a proposal if you already have additional cover. If you have group cover or a fixed term contract, you can also decline this offer. If you refuse to join a collective supplementary mutual fund, you can use financial assistance from the nominated employer. health payment.

At a minimum, the supplemental health insurance must guarantee the costs of dentistry and optics, the total hospital daily rate and the integrity of the deductible for consultations. In addition to these guarantees, there are additional benefits that the employer can subscribe to. We are particularly referring to assistance services, specific prevention systems and third-party payers.

Sources:

https://www.service-public.fr/particuliers/vosdroits/F2628#:~:text=Tout%20propri%C3%A9taire%20d’un%20v%C3%A9hicule,les%20d%C3%A9placements%20vers %20la%20France.

https://entreprise.mma.fr/connexionpro/voiture-de-function.html

Travel insurance – Professional

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