Wednesday, November 30, 2022
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Affinity insurance: why choose Parachut?

What item can be protected with affinity insurance?

Affinity insurance is similar to warranty extensions that are carried out when purchasing a valuable item. If the law imposes a manufacturer’s warranty period, which can vary from 1 to 3 years depending on the product, beyond this fateful date, your product is good to go if it does break. In a context where we are trying more than ever to be aware of the longevity of our articles, whether for economic or ecological reasons, affinity insurance seems to be an ideal solution.

All everyday items are therefore likely to be protected by this type of insurance. To get an idea of ​​what it is possible to insure, you can go to the Parachut website and do a price simulation. The items that private individuals most often insure are, not surprisingly, household appliances that are both expensive and difficult to replace (fridge, built-in oven, washing machine), fragile and expensive multimedia devices (television, tablet, smartphone), but also more unexpected items such as the lawnmower , the electric scooter or the sofa.

What benefits does affinity insurance like Parachut offer?

Affinity insurance like Parachut offers several benefits. First, it allows you to target the objects you want to protect. Unlike more traditional insurance policies, it is not the cumulative value of the goods that is protected, but each item individually. By precisely targeting the item, reimbursement in the event of damage is often much more generous. Another positive point that seems to please users: the possibility to collect a large number of items in a single insurance contract. Practical and reassuring, the price remains contained, while ensuring good protection of objects.

And this is the third great strength of parachute insurance: protection of items against a wide range of risks, of course from breakage to theft, including breakdown, loss and even oxidation. Insurance companies offer several solutions depending on each customer: repair as far as possible, replacement or reimbursement. All this, while offering low prices: this is the recipe that largely explains the success of these insurance companies.

The points of vigilance before choosing your insurance company

Affinity insurance is a real craze, as two-thirds of the French say they are ready to use it. This suggests great prospects and the arrival of many players in this very lucrative market. It is therefore more important than ever to be careful with whom you decide to take out your insurance contract with. The first point of vigilance is of course the method of termination: insurance companies are generally very strong in keeping their users captive. On this point, Parachut stands out by offering the freedom to terminate at any time without waiting for the anniversary of the contract.

The other important point of vigilance consists in verifying the solvency of the insurance company. Insurance is an area where you need to be strong enough to be able to pay out large amounts of cash quickly. To do this, Parachut, for example, relies on Mutuaide and its 12 million customers to reassure its customers.

Last point to consider when choosing an insurance company: the price. One trick to save money is to choose a package price, that is, a fixed price that includes all the protections described above. Simply list the objects you want to include in the formula. This way, there are no bad surprises: you know what is protected, how much you want to pay, everything is gathered in a single contract. Other players offer a price per item, but it is generally more expensive from three insured items.