Self-insurance: What's the point ?

Some companies no longer wish to take out an insurance policy to cover their motor vehicle risks. They become in part (liability being obligatory) their own insurer and thus undertake to cover damage suffered by themselves or others.

How does it work?

The contributions paid by the company are paid to a broker appointed by their insurer, which covers its damage risks. These contributions are made up of several parts: the commission paid to the broker, the margin and the insurance tax. They vary according to the type of vehicle used. For an identical compensation (1700 euros on average), the contributions for classic insurance will be 2866€ against 1920€ for self-insurance.


It is therefore preferable to opt for self-insurance, where the cost/distribution fee ratio is much lower. Self-insurance allows a gain of 33% compared to insurance.

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