In an at-fault accident, third-party liability doesn't compensate your own injuries or those of your passengers. Passenger insurance fills this gap.
Vehicle liability covers third parties, not you. Depending on your situation, your own injuries may be partly covered by the LAA (if you're an employee) but with limits. Passenger insurance pays additional benefits in the event of disability or death, and covers recovery costs.
Particularly relevant if you often carry loved ones, or if you're not covered by the LAA (self-employed, with no salaried activity).
Not necessarily: it complements the LAA, particularly on disability/death capital and for passengers not otherwise covered. We check your existing cover to avoid duplication.
In an at-fault accident, your passengers aren't compensated by your liability cover for their own injuries. Passenger insurance fills this gap by covering driver and passengers, whoever is at fault.
It's particularly relevant if you regularly carry loved ones, or if you're not covered by compulsory accident insurance (LAA), as is the case for the self-employed.
Passenger insurance is tied to the vehicle, not the driver: occupants are therefore covered whoever the authorised driver is. We check your contract's clauses.
We compare the offers and calibrate your protection to your real needs.
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