As a driver, you obviously think about insuring your vehicle. But have you thought about protecting yourself? Discover why driver protection is essential for your day-to-day safety.
A little-known fact: the driver is the vulnerable link
Did you know that in the event of an accident for which you are solely responsible, your civil liability auto insurance does not cover damage to your own vehicle or personal injuries?
This compulsory insurance covers damage caused to others, but not to you as the driver. The consequences can be far-reaching though: skidding on a slippery road, going off the road or even feeling unwell at the wheel can compromise your health and lead to considerable medical costs or even long-term expenses in the event of disability.
That's why taking out insurance that protects the driver is an essential measure. It provides that precious financial help in the case of an accident, covering:
Medical expenses not covered by the CNS, the National Health Fund,
Economic losses in the event of temporary or permanent incapacity to work,
Compensation in the event of death or disability.
Specific scenario: an unexpected manoeuvre on the road
During a weekend outing, you swerve to avoid an animal crossing the road and hit a signpost. In this situation:
Your civil liability car insurance does not provide financial cover for your injuries, even minor ones
Without driver cover, neither your remaining medical expenses after CNS intervention nor any disability and its consequences will be paid for.
With this cover, you are protected against the unexpected, with compensation to cover your healthcare and financial security in the event of a serious accident.
Bear in mind that damage to your vehicle is only covered if you have taken out Casco (all-risk) insurance.
Comprehensive protection combined with good practices
Being well insured is important, but that’s not enough! Your safety at the wheel also relies on responsible driving habits. Here are some practical tips:
Check the condition of your tyres and brakes regularly to avoid nasty surprises
Take breaks every two hours during long journeys so that you stay alert
Adapt your driving to the weather conditions (rain, snow, fog, etc.)
Keep a safe distance from other vehicles
Avoid driving when you are feeling less alert, for example late at night.
Investing in your own protection: a responsible choice
Insuring yourself as a driver is not an expense; it's an investment in your peace of mind. It’s the responsible thing to do for yourself and your loved ones. After all, what could be more important than your health and your ability to look after those you love?
Find out more about insurance for drivers and drive with peace of mind, no matter what happens. Our agents are available to help identify your needs and offer you bespoke protection.
Safety behind the wheel
Driver covers