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Les assurances, un choix important dans le transport routier

Trans-lynn > Préparer son transport routier > Les assurances, un choix important dans le transport routier
assurrance_transport_routier

Le transport routier de marchandises est un service qui consiste à livrer des marchandises de différentes sortes vers son destinataire. Le moyen de transport le plus utilisé est le camion. Il permet de transporter de grandes cargaisons. Dans ce domaine, les activités sont réglementées. Pour la sécurité des marchandises et les transporteurs, le transport routier doit souscrire à une assurance.

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Que propose le transport routier ?

Dans le secteur du transport de marchandises, une agence de transport routier a différentes fonctions. Elle transporte les marchandises des clients et les livre d’un endroit à un autre. Le chargement des marchandises dans le camion est le premier service fourni par le transporteur. Après que les cargaisons sont bien chargées dans le camion, ce professionnel va les transporter en respectant l’itinéraire du trajet. Durant cette opération, il est du devoir du transporteur d’informer ses clients en cas d’éventuels retards ou imprévus comme les accidents par exemple. Il doit toujours offrir un service de qualité pour satisfaire les clients.

Par ailleurs, les missions des transporteurs routiers ne s’arrêtent pas là. En effet, une fois arrivés à destination, ils devront s’occuper également du déchargement des marchandises. Durant la réalisation de ces missions, la souscription à une assurance est impérative que ce soit de la part des expéditeurs ou des transporteurs. Cela est d’autant plus important que les marchandises peuvent être exposées à de nombreux risques. Afin de mieux comprendre les différents types d’assurance, consultez le site Magazine Assurance.

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L’importance d’assurer ses véhicules de transport de marchandises

Une assurance de transport routier est une couverture dont tous les transporteurs doivent disposer. Elle permet d’assurer la sécurité du conducteur, du camion et des cargaisons  contre toutes éventualités et les risques des dommages matériels ou corporels causés par un accident. Cette assurance concerne surtout les véhicules qui dépassent un poids de 3,5 T et qui  nécessitent un permis spécifique pour pouvoir transporter des marchandises.

Pour pouvoir circuler sur la voie routière et transporter en toute sérénité des cargaisons, il faut obligatoirement assurer les véhicules de transport en responsabilité civile. Pour trouver la meilleure assurance de transport routier, il est primordial de prendre en considération les garanties dont le véhicule a besoin, le type de véhicule en question et le type de contrat qui lui convient. On peut également faire une comparaison des diverses offres  en demandant des devis aux assureurs. Normalement, chaque compagnie d’assurance a son propre tarif en termes de responsabilité civile, de franchise, d’assistance, de prise en charge des dommages corporels et garantie du contenu privé.

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Les conditions et les contrats d’assurance de transport routier

Pour assurer le camion pour le transport routier, les compagnies d’assurance demandent le plus souvent un descriptif très détaillé du poids lourd concerné, avec une liste précise des structures annexes qui s’y réfèrent, comme les remorques. Ensuite, il faudrait préciser l’âge du camion, son kilométrage et les caractéristiques techniques du véhicule. Après, il ne faut pas oublier de renseigner le modèle, le type et l’état du camion pour pouvoir bénéficier d’une assurance camion. Ces conditions sont mentionnées dans le contrat d’assurance.

Le contrat en question dépend du statut et de la prestation du professionnel en transport routier. Le contrat d’assurance individuel par exemple, est destiné aux prestataires en transport routier. Les termes de ce contrat d’assurance concernent la couverture du véhicule de transport de marchandises, le conducteur et les marchandises transportées. En outre, il est possible de choisir un contrat d’assurance flotte. C’est un contrat d’assurance proposé surtout aux entreprises de transport qui possèdent au moins trois poids lourds à leur actif. Enfin, on a le contrat d’assurance temporaire. Il s’agit d’une couverture sociale  qui assure le véhicule de transport routier et son conducteur sur une courte durée. Elle peut être renouvelée à une période convenue.

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