Casco (own-damage car insurance) — France

[1] Own damage: Conditional ↩

Covers accidental damage to the insured vehicle from collision with a fixed or moving object, rollover, or other accidental events; available only under the Tous risques (comprehensive) formula. Indemnity is capped at the vehicle's replacement value as assessed by the expert, less the contractual deductible stated in the Conditions Particulières.

Lorsque le véhicule est réparable : prise en charge du montant des réparations imputables à l'accident, dans la limite de la valeur de remplacement du véhicule estimée par l'expert, déduction faite du montant de la franchise le cas échéant.

[2] Total loss: Conditional ↩

When the vehicle is irreparable or stolen and not recovered and is ceded to the insurer: vehicles bought new less than 12 months ago with under 30,000 km, or bought used less than 6 months ago, are indemnified at effective purchase value; beyond that, indemnity is based on the expert-assessed replacement value (VRADE) with a guaranteed minimum indemnity of €2,000 regardless of VRADE. Available under the Tiers + and Tous risques formulas.

Une valeur minimum d’indemnisation de 2 000 € est toutefois garantie quelle que soit la valeur de remplacement à dire d’expert.

[3] Partial loss: Conditional ↩

When the vehicle is repairable, the insurer covers the repair costs attributable to a covered peril, capped at the vehicle's replacement value, less the applicable deductible. This applies whenever a covered damage guarantee is triggered: specific perils (glass breakage, fire, theft, natural/technological catastrophe, weather events) are covered from the Tiers + formula upward, while general accidental damage (collision, rollover, other accidental events) requires the Tous risques formula.

Lorsque le véhicule est réparable : prise en charge du montant des réparations imputables à l'accident, dans la limite de la valeur de remplacement du véhicule estimée par l'expert, déduction faite du montant de la franchise le cas échéant.

[4] Theft & robbery: Conditional ↩

Covers theft or attempted theft of the vehicle and its accessories, subject to anti-theft conditions (doors locked, no keys left in the vehicle, SRA-approved 4-star or 6/7-key anti-theft device). Always covered in cases of car-jacking or home-jacking with violence or threat. Available under the Tiers + and Tous risques formulas.

Au titre du contrat, pour être garanti, vous devez : - ne pas avoir laissé dans, sous ou sur le véhicule, de clef, de carte électronique ou tout autre moyen assimilable permettant de le faire démarrer, - avoir fermé et verrouillé les portières et autres ouvertures, - avoir installé et utilisé les moyens de protection suivants : anti-démarrage électrique, électronique agréé S.R.A classé 4 étoiles (ou 6 et 7 clefs).

[5] Glass damage: Conditional ↩

Covers repair/replacement of the windscreen, side windows, rear window, headlight lenses, sunroof and panoramic roof; can be extended to indicators, tail lights and mirrors as an option. A specific deductible applies to replacement, but indemnification is full if the element is repaired rather than replaced. Available under the Tiers + and Tous risques formulas.

La garantie couvre le remboursement des frais engagés à la suite du bris accidentel des éléments vitrés suivants : du pare-brise, des glaces latérales, de la lunette arrière, des optiques de phares avant, du toit ouvrant, du toit panoramique.

[6] Natural perils: Conditional ↩

Covers direct material damage from natural catastrophes (following publication of an interministerial decree), technological catastrophes, and weather events (storm, hail, flood, mudslide, landslide, falling rocks, avalanche, snow weight) when not classified as a natural catastrophe. A statutory deductible of €380 applies to natural catastrophe claims for motor vehicles; no deductible applies to technological catastrophe claims. Available under the Tiers + and Tous risques formulas.

Pour les événements relevant de la garantie « catastrophe naturelle », la franchise est fixée par voie réglementaire. Aucune franchise n'est appliquée aux événements relevant de la garantie « catastrophe technologique ».

[7] Vandalism: Conditional ↩

Covers isolated acts of vandalism such as tags, graffiti, unauthorized markings and other deterioration of the vehicle, excluding acts committed by the policyholder's spouse, partner or dependent children. Available only under the Tous risques formula.

Sont garantis les actes isolés suivants : tags, graffitis, inscriptions non autorisées ainsi que toute autre détérioration du véhicule.

[8] Roadside assistance: €180 ↩

24/7 breakdown assistance from 0 km (or 50 km if that option is chosen) from home, and accident/theft assistance from 0 km from home, included in all three formulas (Tiers, Tiers +, Tous risques). Towing/breakdown costs are covered up to €180, with the cost of spare parts remaining at the beneficiary's expense.

Les frais de dépannage ou de remorquage sont pris en charge par IMA ASSURANCES à concurrence de 180 €, le coût des pièces détachées restant à la charge du bénéficiaire.

[9] Replacement vehicle: Covered ↩

A replacement vehicle is provided for 7 consecutive days in case of accident or theft, included in all three formulas (Tiers, Tiers +, Tous risques); this can be extended to 20 days in case of breakdown, accident or theft if that option is selected. If no replacement vehicle is available, a flat daily indemnity of €40 is paid until one is provided.

le bénéficiaire peut disposer d'un véhicule de remplacement pour la durée des réparations dans la limite de 7 jours consécutifs (ou 20 jours si l'option a été souscrite)... En cas d'indisponibilité de véhicule de remplacement, une indemnité forfaitaire de 40 € par jour sera versée jusqu'à la mise à disposition d'un véhicule.

[10] Driver accident: Covered ↩

Covers medical expenses, a permanent disability capital (proportional to the AIPP rate above the threshold set in the Conditions Particulières) and death benefits (spouse/partner and dependent-child capital, funeral expenses) resulting from an accident while driving the insured vehicle. Included in all three formulas (Tiers, Tiers +, Tous risques) and acquired even if the driver is at fault. Capital amounts are fixed in the Conditions Particulières; the general terms illustrate an indicative calculation using a €450,000 capital example at a 20% AIPP rate, but this is not a guaranteed contractual maximum.

La garantie est accordée, quelle que soit la formule d'assurance choisie, en cas d'accident occasionnant des blessures ou entraînant le décès.

[11] Own damage: Covered ↩

Covers damage to the insured vehicle from collision with another vehicle, impact with a fixed or moving object, overturning without prior collision, or unforeseeable flooding, regardless of the driver's fault. No fixed monetary ceiling is stated in the general terms; indemnification is capped by the vehicle's economic value on the date of loss, minus the applicable deductible (amount set in the Conditions Particulières). Included in the Tous Risques Essentielle, Équilibre and Étendue formulas; not available in the Tiers formulas.

Nous garantissons le véhicule assuré contre les dommages résultant : de la collision du véhicule assuré avec un ou plusieurs autres véhicules ; du choc avec un corps fixe ou mobile extérieur au véhicule assuré ;

[12] Total loss: — ↩

Without the option, a stolen or destroyed vehicle is indemnified within its economic (expert-assessed) value on the day of loss. With the 'Indemnisation renforcée' option, vehicles under 2 years old (from first registration) are indemnified at purchase value, and vehicles 2 years or older at expert value plus 20% (minimum €1,000), capped at the purchase value. This option is optional under the Tous Risques Essentielle formula and included under the Tous Risques Équilibre and Étendue formulas.

Véhicule de 2 ans et + Valeur à dire d'expert + 20 % avec un minimum de 1 000 € dans la limite de la valeur d'achat

[13] Partial loss: Covered ↩

If the vehicle is repairable, AXA settles the repair cost assessed by the expert (based on the acquitted invoice), within the limit of the vehicle's economic value on the date of loss, less any deductible. If the policyholder chooses not to repair, AXA pays the estimated repair cost without exceeding the difference between the pre-loss and post-loss values. No fixed cap is stated; it is bounded by vehicle value.

Nous réglons entre vos mains le montant des réparations évalué par l'expert sur la base de la facture acquittée, dans la limite de la valeur économique du véhicule au jour du sinistre déduction faite de l'éventuelle franchise.

[14] Theft & robbery: Covered ↩

Covers disappearance or damage to the insured vehicle following theft or attempted theft, subject to serious evidence of forced entry. Indemnification is reduced to 70% of the loss if the keys/cards were left in or on the vehicle, or if the vehicle lacked the required functioning geolocation anti-theft device. No fixed monetary cap is stated; indemnification is bounded by the vehicle's value. Included (bundled as 'Incendie et vol') from the Tiers Étendue formula upward.

Nous garantissons le véhicule assuré contre les dommages résultant de sa disparition ou de sa détérioration à la suite d'un vol ou d'une tentative de vol ainsi que ceux résultant de la disparition ou de la détérioration des éléments volés indépendamment du véhicule s'ils entrent dans la définition du véhicule assuré.

[15] Glass damage: Covered ↩

Covers repair or replacement costs following breakage of the windscreen, rear window, side windows, sunroof or roof, and the full set of front lights. Rear lights, exterior mirror glass and any other glass or organic-glass element are excluded. To be covered, the claim must be declared before any repair or replacement takes place. The applicable deductible amount is set out in the Conditions particulières.

Nous garantissons les frais de réparation et/ou de remplacement engagés à la suite d'un bris des éléments en verre du véhicule, glaces ou verres organiques suivants : pare-brise ; vitre arrière ; vitres latérales ; toit ouvrant ou non ; ensemble des feux avant.

[16] Natural perils: Covered ↩

Covers direct material damage to the vehicle caused by a natural catastrophe officially recognised by ministerial order published in the Journal Officiel. A statutory deductible of €380 per damaged vehicle applies (higher deductible applies for vehicles used professionally if stated in the contract). No coverage ceiling beyond the vehicle's value is stated. Included from the Tiers Essentielle formula upward.

Nous garantissons conformément aux articles L 125-1 et suivants du Code des assurances, dans les limites prévues ci-après les dommages matériels directs causes aux corps de véhicules terrestres à moteur contre les effets des catastrophes naturelles

[17] Vandalism: Covered ↩

Vandalism damage to the insured vehicle is covered under the same 'Dommages tous accidents et vandalisme' guarantee as own damage/collision cover. No fixed monetary cap is stated; indemnification is bounded by the vehicle's economic value less the deductible. Included in the Tous Risques Essentielle, Équilibre and Étendue formulas only.

Dommages tous accidents et vandalisme

[18] Roadside assistance: €185 ↩

24/7 breakdown/towing assistance from the immobilisation site to the nearest garage, covered up to €185 TTC, triggered by breakdown, accident, fire, theft, vandalism, glass breakage, attack, climate event, natural/technological catastrophe, tyre puncture, wrong fuel, or lost/broken/stolen key. AXA guarantees roadside intervention within 1 hour anywhere in mainland France or Monaco, or pays a €30 indemnity if the deadline is missed. Included as standard across all six formulas (may carry a mileage deductible for breakdown-only calls depending on the formula, waived with the 'Pack tranquillité').

L'assisteur organise et prend en charge, à concurrence de 185 € TTC, le dépannage ou le remorquage du lieu d'immobilisation jusqu'au garage le plus proche.

[19] Replacement vehicle: 7 days – 30 days ↩

Provides a city-car-type loan vehicle if the insured vehicle is immobilised more than 24 hours: up to 7 days for a breakdown, up to 15 days for accident/fire/vandalism/natural catastrophe/climate or technological event, and up to 30 days if stolen and not recovered within 24 hours. If no loan vehicle is available or eligibility conditions are not met, AXA pays €40 TTC per day (€120 TTC per day for a fitted/utility vehicle). Optional under the Tiers Mini, Tiers Essentielle, Tiers Étendue and Tous Risques Essentielle formulas; included under Tous Risques Équilibre and Étendue.

L'assisteur prend en charge et met à votre disposition un véhicule de prêt de type citadine si le véhicule est immobilisé plus de 24 heures : à la suite d'une panne, sans excéder 7 jours ;

[20] Driver accident: €250,000 ↩

Compensates the driver's own bodily injury (or, in case of death, their heirs) following a road accident, under French common-law rules, up to a base ceiling of €250,000 included in all formulas. An optional 'Pack tranquillité' raises the ceiling to €500,000, €1,000,000 or €2,000,000. A 10% deductible applies to the permanent functional deficit component when the A.I.P.P. rate exceeds 10%; no compensation is due for that head if the A.I.P.P. rate is 10% or less. An immediate advance of up to €3,000 is paid toward funeral costs in case of death.

Garantie du conducteur (250 000 €) ;

[21] Own damage: Covered ↩

Accidental damage to the insured vehicle, including hail, is covered under both the Tous Risques Initial and Tous Risques Intégrale formulas; indemnities cannot exceed the value of the vehicle, less the deductible shown in the membership confirmation.

Les dommages accidentels, la grêle. […] Panne + : indemnisation des réparations (pièces et main-d’œuvre selon le barème constructeur, y compris les frais de diagnostic) du véhicule assuré en cas de panne électronique, mécanique et électrique d’origine aléatoire (à l’exception des exclusions mentionnées dans vos conditions générales).

[22] Total loss: — ↩

In case of theft (vehicle not recovered within 30 days) or total loss where the vehicle is surrendered to Pacifica, indemnification is based on purchase value for vehicles under 3 years old, and on the expert-assessed value increased by 50% for older vehicles, with a guaranteed minimum indemnity of €1,600 (capped at purchase value). This benefit is included as standard in the Tous Risques Intégrale formula but is only available as a paid optional add-on under the Tous Risques Initial formula.

L'indemnisation+ : en cas de vol (véhicule non retrouvé dans les 30 jours) ou de perte totale du véhicule (véhicule cédé à Pacifica), indemnisation en valeur d'achat pour les véhicules de moins de 3 ans, et en valeur à dire d'expert majorée de 50 % pour les véhicules de plus de 3 ans, avec un minimum d'indemnisation de 1 600 € (dans la limite de la valeur d'achat.)

[23] Partial loss: Covered ↩

Repairable accidental damage to the vehicle is reimbursed on the basis of the manufacturer's parts-and-labour price scale in France (or the equivalent scale abroad within the policy's territorial limits); reimbursement is capped at the vehicle's actual value at the time of the claim, with no separate monetary ceiling stated.

[24] Theft & robbery: Covered ↩

Theft and vandalism of the insured vehicle are covered under both Tous Risques formulas. Under Tous Risques Intégrale (and under Initial only with the Indemnisation+ option), a vehicle stolen and not recovered within 30 days is indemnified at purchase value (up to 3 years) or expert value + 50% (over 3 years), with a minimum of €1,600 within the purchase value. Cover does not apply if not all access points of the vehicle were locked.

Si vous avez souscrit l’option et qu’elle est portée sur votre confirmation d’adhésion : Indemnisation+ : en cas de vol (véhicule non retrouvé dans les 30 jours) ou de perte totale du véhicule (lorsque le véhicule est cédé à PACIFICA), indemnisation en valeur d’achat pour les véhicules jusqu’à 3 ans, et en valeur à dire d’expert majorée de 50 % pour les véhicules de plus de 3 ans, avec un minimum d’indemnisation de 1 600 € (dans la limite de la valeur d’achat).

[25] Glass damage: Covered ↩

Breakage of the windscreen, side windows, rear window, headlight/fog-light lenses, sunroof and panoramic roof is covered with no deductible in both Tous Risques formulas.

Le bris de glaces sans franchise.

[26] Natural perils: Covered ↩

Damage resulting from officially declared natural catastrophes, technological catastrophes and terrorist attacks is covered when the contract includes vehicle damage cover; the deductible for natural/technological catastrophe claims is the legal deductible set by ministerial order, and cover for these perils only applies within metropolitan France.

Catastrophe Naturelles, technologiques et attentats : Franchise légale fixée par arrêté interministériel. […] Sauf pour les garanties Catastrophes Naturelles, Catastrophes Technologiques et Attentats hors France Métropolitaine.

[27] Vandalism: Covered ↩

Malicious damage to the insured vehicle is covered under both Tous Risques formulas, subject to a deductible of €200 to €750 depending on the vehicle, as stated in the product's official information document.

Tempête, Grêle, Neige, Incendie, Vol, Vandalisme, Dommages accidentels : Franchise de 200 € à 750 € en fonction du véhicule.

[28] Roadside assistance: Conditional ↩

Vehicle assistance applies from 0 km of the usual home/garage address for accident, fire, theft or attempted theft in both formulas; for breakdowns, the base Tous Risques Initial formula applies a 25 km threshold unless the optional 'Assistance+' is subscribed (0 km for breakdowns too, plus replacement vehicle, SOS breakdown and second diagnosis), whereas the Tous Risques Intégrale formula includes this enhanced 0 km assistance for all events, including breakdown, as standard.

L'assistance aux véhicules dès 0 km du domicile habituel en cas d'accident, d'incendie, de vol ou de tentative de vol, et dès 25 km en cas de panne.

[29] Replacement vehicle: Conditional ↩

A rental replacement vehicle is provided for up to 12 days in the event of breakdown, accident, fire or attempted theft, and up to 30 days in the event of theft. This benefit is part of the optional 'Assistance+' add-on under the Tous Risques Initial formula, but is included as standard under the Tous Risques Intégrale formula.

Un véhicule de location jusqu'à 12 jours en cas de panne, accident, incendie, tentative de vol, et jusqu'à 30 jours en cas de vol.

[30] Driver accident: €1,000,000 ↩

La protection corporelle du conducteur, sans franchise et sans seuil d'intervention, jusqu'à 1 million d'euros.

[31] Own damage: Covered ↩

Covers all material damage to the insured vehicle resulting from any accident, regardless of whether the insured driver is at fault, including single-vehicle accidents and collisions with unidentified third parties. Included in the Tous Risques formula only.

Le niveau de protection maximum. En plus des garanties de la formule Tiers + dommages, cette formule vous protège des dommages causés à votre véhicule, que vous en soyez responsable ou non.

[32] Total loss: Covered ↩

In the event of total destruction or theft, the vehicle is indemnified at purchase value if under 1 year old (standard in Tous Risques); optionally at purchase value up to 3 or 5 years, then at appraiser's assessed value (VRADE majorée) up to 10 years. Minimum indemnity of EUR 1,500 applies even in the Tiers formula for a not-at-fault accident with an identified third party.

L’indemnisation est égale à la Valeur d’achat du véhicule assuré sans dépasser le prix du catalogue constructeur (options comprises et remise déduite) sur la base de la facture acquittée, pendant les 12 premiers mois suivant la date de première mise en circulation . […] 5.11 GARANTIE DE LA VALEUR D’ACHAT JUSQU’AUX 3 ANS DU VÉHICULE PUIS VALEUR À DIRE D’EXPERT MAJORÉE JUSQU’À SES 10 ANS (proposée en option pour la formule Tous risques) […] Si le montant des réparations est supérieur à la valeur du véhicule avant sinistre : l’indemnisation est de 1500 minimum.

[33] Partial loss: Covered ↩

Partial damage caused by an accident is covered under the Tous Risques formula. In a not-at-fault accident with an identified third party, partial damage is covered under all formulas by reimbursing the cost of damaged parts replacement.

[34] Theft & robbery: Covered ↩

Covers theft with proven break-in of a closed vehicle, attempted theft, abuse of trust, threat of violence, and separate theft of wheels/tyres (up to EUR 1,500 if fitted with anti-theft wheel nuts). Contents covered up to EUR 1,500 by default. Vehicle open or keys available: not covered. Police report mandatory. Indemnity reduced by 50% if required supporting documents (e.g. original key duplicates) are not produced. Available from Tiers+Dommages formula.

Le vol isolé des pneus et des roues du véhicule (s’ils sont protégés par un écrou antivol) est couvert dans la limite de 1 500 €. Le contenu est couvert par défaut jusqu'à 1 500 €.

[35] Glass damage: Covered ↩

Covers the windscreen, side windows, rear window, sunroof, and front lights. Rear lights and mirrors are not included in the base guarantee but can be added via the optional 'Rétroviseurs et optiques arrière' add-on (available in Tiers+Dommages and Tous Risques). Sensors integrated into the windscreen are covered. Available from Tiers+Dommages formula.

L'option « Rétroviseurs et optiques arrière » est disponible en formules Tiers+Dommages et Tous risques.

[36] Natural perils: Covered ↩

Covers damage caused by storms, hail, snow, flooding and officially declared natural disasters (publication in the Journal Officiel required for catastrophe naturelle classification). Statutory franchise applies: EUR 380 for most natural disasters, EUR 1,520 for drought-related ground movement. Available from Tiers+Dommages formula.

1 520 € en cas de sinistre catastrophe naturelle « sécheresse » (sinistres liés aux mouvements de terrain dus à la sécheresse ou à la réhydration des solds). 380 € dans tous les autres cas de sinistres catastrophes naturelles.

[37] Vandalism: Covered ↩

Vandalism is included within the all-accident damage guarantee of the Tous Risques formula. The insured is compensated even if the perpetrator is not identified, subject to a deductible. Damage from officially unrecognised acts of vandalism may be subject to partial exclusion.

Le vandalisme est inclus dans la garantie Dommages tous risques.

[38] Roadside assistance: Covered ↩

Included in all formulas. In the Tous Risques formula, assistance is 0 km for both accidents and breakdowns. In Tiers+Dommages, a 30 km distance franchise applies for breakdowns (0 km option available as paid add-on). In the basic Tiers formula, a 30 km franchise applies for breakdowns. Accident assistance is always 0 km regardless of formula. Covers towing, roadside repair, key loss, wrong fuel, puncture (subject to formula). Assistance is delegated to and managed by Mutuaide Assistance.

Immobilisation de votre véhicule suite à une panne Franchise de 30 km*. Franchise de 30 km*. Pas de franchise . Pas de franchise . […] Immobilisation de votre véhicule suite à : un accident , un vol, une tentative de vol , un incendie, une explosion, une émeute, un mouvement populaire, un attentat, un acte de terrorisme, un événement climatique, une catastrophe naturelle ou technologique Pas de franchise . Pas de franchise . Pas de franchise . Pas de franchise . […] Mutuaide Assistance organise et prend en charge, dans les mêmes conditions, les frais de dépannage et de remorquage en cas d’erreur de carburant, panne de carburant, crevaison, perte, casse, vol ou enfermement des clés sauf pour les contrats comportant une franchise de 30 km (formules Tiers simple et Tiers+Dommages sans souscription de l’option « Rachat de la franchise assistance en cas de panne »).

[39] Replacement vehicle: Covered ↩

A replacement vehicle (category D/E equivalent) is provided in the Tous Risques formula in the event of theft, breakdown or accident, for up to 30 days. A chauffeur service is also available. In Tiers and Tiers+Dommages, a replacement vehicle is not included in the base formula but is available via the 'Assistance Plus' option.

[40] Driver accident: €500,000 ↩

Included in all three formulas (Tiers, Tiers+Dommages, Tous Risques). Standard coverage up to EUR 500,000 for death or bodily injury resulting in permanent disability above an 11% AIPP threshold. An optional 'Protection Corporelle Plus' add-on raises the limit to EUR 1,000,000 and covers the driver and their household members. Indemnity reduced by 25% in the event of failure to wear a seatbelt.

Montant de la garantie protection du conducteur 500 000 ou 1 000 000 € Seuil AIPP (en inclusion) 11 % En cas de sinistre, l'indemnité est réduite de 25 % pour défaut d'utilisation de la ceinture de sécurité.

[41] Own damage: Conditional ↩

Covers damage to the insured vehicle from any accident (at-fault, non-identified third party, vandalism) regardless of responsibility, indemnified up to the vehicle's value on the day of the loss, capped at its purchase price. Only available in the Tous Risques and Tous Risques Maxi formulas.

les dommages subis par le véhicule assuré lorsque ces dommages résultent d’un choc avec un corps fixe ou mobile extérieur au véhicule assuré ou du versement du véhicule survenus au cours de la circulation et alors que le véhicule était sous la garde de l’Assuré ou de toute autre personne autorisée par celui-ci.

[42] Total loss: Conditional ↩

If the vehicle is declared a total loss or stolen and not recovered, indemnification is 100% of its value at the date of loss (capped at purchase price), less the applicable deductible, under Tous Risques and Tous Risques Maxi regardless of fault; under Tiers Maxi it applies only when triggered by a covered peril (theft, fire, weather, nat-cat).

Vol du véhicule non retrouvé Pas d’indemnisation 100% de la valeur du véhicule moins 100% de Franchise

[43] Partial loss: Conditional ↩

Repair costs are reimbursed up to the cost of parts and labour based on the insurer's pricing tools; for perils covered from Tiers Maxi upward (fire, theft, glass, weather/nat-cat) repairs are covered from that tier, while repairs following any accident (Dommages Tous Accidents) are covered only from Tous Risques upward.

L’expert que nous missionnons évalue le coût des réparations et du remplacement des pièces détériorées en tenant compte des règles de l’art et de la réglementation, aux meilleures conditions économiques locales.

[44] Theft & robbery: Conditional ↩

Indemnifies the value of a stolen and unrecovered vehicle, or repair costs for damage between theft and recovery, capped at the vehicle's value at the time of theft (limited to purchase price); requires proof the vehicle was locked/alarmed or theft involved violence against the driver. Available from Tiers Maxi upward.

Nous indemnisons la valeur du véhicule volé et non retrouvé ou le coût des réparations des dommages causés au véhicule entre le Vol et sa découverte, si le Vol a été commis : • sans l’aide des dispositifs de déverrouillage ou de démarrage du véhicule alors qu’ensemble les portes du véhicule étaient verrouillées, l’habitacle clos et ses systèmes de protection anti-démarrage activés.

[45] Glass damage: Conditional ↩

Covers repair or replacement of windscreen, rear window and side windows (plus front lights and glass roof under Tous Risques Maxi). Repair indemnification is capped at 100 EUR per claim regardless of number of impacts; replacement is reimbursed at cost of parts and labour. Available from Tiers Maxi upward.

En cas de Bris de glace du véhicule assuré, nous garantissons selon la formule choisie, les frais de réparation et/ou de remplacement engagés à la suite d’un bris des éléments en verre du véhicule, Glaces ou verres organiques livrés d’origine par le constructeur.

[46] Natural perils: Conditional ↩

Covers direct material damage from officially declared natural catastrophes, exceptional weather events (storm/hail/snow) and technological disasters, capped at vehicle value; a fixed 380 EUR deductible applies to nat-cat and storm claims. Available from Tiers Maxi upward.

Pour les véhicules assurés le montant de la Franchise applicable pour chaque événement, aux dommages matériels directs définis au troisième alinéa de l’article L 125-1 du Code des assurances est fixé à 380 euros.

[47] Vandalism: Conditional ↩

Vehicle fire caused by an act of vandalism is covered from Tiers Maxi upward under the Fire guarantee; general (non-fire) vandalism damage, such as scratches or dents with no identified responsible party, is only covered under Dommages Tous Accidents in the Tous Risques and Tous Risques Maxi formulas, subject to a police report.

sous réserve de la justification d’un dépôt de plainte, les Dommages matériels résultant d’un acte de Vandalisme, d’émeutes ou de mouvements populaires causés sans autre mobile que la volonté de détériorer ou de détruire.

[48] Roadside assistance: €185 ↩

Towing/breakdown costs are reimbursed up to 185 EUR per trip; assistance applies from 0 km from home for accident, theft or fire, and from 50 km from home for breakdown or puncture in the base formulas. Extended 0 km assistance for breakdown, punctures, lost/broken/stolen keys and EV charging failure is included in Tous Risques Maxi and optional (with a 30-day waiting period) in the other three formulas.

Frais de dépannage ou de remorquage: 185€ par voyage

[49] Replacement vehicle: Covered ↩

A replacement vehicle at a partner garage during repairs is included in all four formulas. Extended replacement vehicle (available within 24h also for breakdown, theft or an irreparable vehicle) is included in Tous Risques Maxi and optional in the other formulas, for 7 days (breakdown, max 2/year), 15 days (accidental damage or write-off) or 30 days (unrecovered theft), durations not cumulative.

une durée de 7 jours maximum si le véhicule est immobilisé plus de 24 heures à la suite d’une Panne, dans la limite de 2 Pannes par année civile; ... une durée maximum de 30 jours à la suite d’un vol, si le véhicule n’est pas retrouvé dans les 24 heures.

[50] Driver accident: €400,000 – €1,500,000 ↩

Indemnifies the driver's bodily injury (or death benefits to heirs) when at least partly responsible for the accident, once permanent impairment (AIPP) exceeds 10%. The cap is 400,000 EUR in Tiers, Tiers Maxi and Tous Risques, and 1,500,000 EUR in Tous Risques Maxi (or via the Protection Personnelle / Assistance étendue 0km options in the other formulas).

Garantie Personnelle du Conducteur 400000€ 400000€ 400000€ 1500000€

[51] Own damage: Covered ↩

Under the Tous Risques and Tous Risques Maxi formulas, covers accidental damage to the insured vehicle resulting from collision, overturning, submersion, vandalism, riots and civil disturbances, or simultaneous breakage of several glazed elements. Indemnity is based on the cost of repair, within the limits of the guarantee and of the vehicle's replacement value on the day of the loss; the deductible amount is stated in the personal conditions.

[52] Total loss: Covered ↩

The vehicle is declared a total loss when repair costs exceed its expert-assessed value, in case of theft, or when it is technically unrepairable. Indemnity is based on the vehicle's replacement value (or, for vehicles under 12 months old, the original purchase price) at the day of the loss, less the applicable deductible; ownership of the vehicle transfers to the insurer upon payment.

[53] Partial loss: Covered ↩

Partial damage to the insured vehicle is indemnified on the basis of the cost of repair as assessed by the insurer's expert, within the limits of the guarantee, less the applicable deductible; non-standard wheels are covered up to the value of the manufacturer's standard wheels and factory-fitted audio/video/GPS equipment is covered subject to a wear scale.

[54] Theft & robbery: Covered ↩

Covers the disappearance or damage of the insured vehicle resulting from theft or attempted theft by forced entry, forced entry of a locked private garage, threat or violence against the owner/keeper, misappropriation following breach of trust, or attempted theft by forced entry. The policyholder must prove the circumstances of the theft; anti-theft devices or marking required under the personal conditions must be evidenced by a purchase receipt in the event of a claim.

[55] Glass damage: Covered ↩

Covers the cost of repair or replacement of the windscreen, rear window, side windows, front optical units and indicators listed in the manufacturer's catalogue, and, if made of glass or translucent material, the sunroof and headlight covers, when damaged by accidental breakage. Rear-view mirrors, rear lights/indicators, and simultaneous breakage of several glazed elements are excluded (the latter is covered under Dommages Tous Accidents instead). An optional zero-deductible add-on is available.

[56] Natural perils: Conditional ↩

If a damage guarantee has been subscribed, covers direct damage caused to the vehicle by hail, flooding, ground movement or subsidence, mudslides, or avalanche not officially classified as a 'Catastrophe Naturelle', as well as damage from events officially recognised as 'Catastrophes Naturelles' by inter-ministerial decree. The natural-disaster guarantee can only be triggered after publication in the Official Journal of the decree recognising the state of natural disaster, and the deductible is set and revised by the public authorities.

[57] Vandalism: Covered ↩

Included within the Dommages Tous Accidents guarantee under the Tous Risques formulas, covers damage caused deliberately to the vehicle with no motive other than the intent to damage or harm, including damage caused during riots or civil disturbances.

[58] Roadside assistance: €230 ↩

Included as part of the base 'Garantie Assistance' attached to the motor policy: covers roadside breakdown assistance or towing to the nearest repair garage, up to €180 TTC in Metropolitan France and up to €230 TTC abroad and on motorways, subject to the mileage deductible shown in the personal conditions. Cover from 0 km, higher towing limits (up to €3,000/year) and additional vehicle-assistance services are available via the optional Assistance Initiale/Intégrale/Maximale upgrades.

[59] Replacement vehicle: €3,000 ↩

Reserved for policyholders aged 21 or over holding a driving licence for at least 2 years. Under the 'Tous Risques' formula, this benefit is only granted if it is expressly mentioned in the personal conditions; it is automatically included under the 'Tous Risques Maxi', 'Tiers + bris de glace + vol' and 'Tiers + bris de glace' formulas. A category A or B replacement vehicle is provided for up to 8 consecutive days when the vehicle is immobilised for more than 24 hours in France for repairs requiring at least 5 hours of labour following an accident or attempted theft, or in the event of theft. The optional Assistance Intégrale/Maximale upgrades extend this to up to 21 days (accident/attempted theft) or 40 days (theft not recovered), up to €3,000 TTC.

[60] Driver accident: €400,000 – €800,000 ↩

Indemnifies the driver's bodily injury under common-law liability rules when the driver is involved in an accident, fire or explosion involving the insured vehicle. Only compensated if the resulting permanent functional impairment exceeds 9%, or in the event of death (benefiting the driver's heirs); temporary loss of professional income is compensated from the 31st day of work stoppage for up to 300 days. The overall ceiling is stated in the personal conditions; the insurer's own marketing material indicates ceilings of €400,000 under the Tous Risques formula and €800,000 under the Tous Risques Maxi formula.

[61] Own damage: Conditional ↩

Covers accidental damage to the insured vehicle from collision with a fixed or moving object, or overturning/rollover even without prior collision; available only under the 'Tous Risques' (comprehensive) formula, subject to the deductible shown in the Dispositions Particulières.

Nous* garantissons les dommages de nature accidentelle résultant des évènements suivants : • choc contre un corps fixe ou mobile, d’un versement ou renversement du véhicule même sans collision préalable, lorsqu’ils sont causés au véhicule assuré, à la remorque ou la caravane mentionnée aux Dispositions Particulières.

[62] Total loss: Conditional ↩

In case of total loss, the base indemnity is the expert-assessed replacement value (VRADE). Optional upgrades, selectable only under 'Tous Risques', are 'Indemnisation en valeur d'achat' (purchase-price indemnity for 12, 24 or 36 months after first registration) and 'Indemnisation en valeur majorée' (VRADE plus 20%, capped at purchase price) thereafter.

si vous avez souscrit la garantie « Indemnisation en valeur d'achat* » et qu’un sinistre* survient pendant la période de validité de cette garantie mentionnée aux dispositions particulières, votre indemnité sera calculée conformément au paragraphe « Indemnisation en valeur d’achat* »

[63] Partial loss: Conditional ↩

When the vehicle is repairable, indemnity equals the cost of repair or replacement of damaged parts as assessed by the insurer's expert, capped at the vehicle's expert-assessed replacement value (VRADE) at the date of loss; a wear-and-tear deduction (vétusté) applies to parts such as brakes, brake pads, exhaust, shock absorbers and tyres according to a mileage-based scale.

La garantie est accordée à concurrence du coût de la réparation ou du remplacement des pièces détériorées suivant l'évaluation de l'expert indépendant que nous* avons mandaté sans que le règlement puisse excéder la valeur de remplacement* à dire d’expert du véhicule au jour du sinistre*.

[64] Theft & robbery: Covered ↩

Covers theft or attempted theft of the vehicle following forced entry (including electronic), aggression, ruse, or force majeure; indemnity is based on the expert-assessed replacement value (or purchase value during an initial period if that option is taken). Lock/key replacement following theft of the keys is covered up to €500 with no deductible when caused by aggression or forced entry of the place where the keys were kept.

Nous* garantissons les dommages résultant du vol* du véhicule assuré, survenu dans l’une des conditions suivantes : • par suite d'effraction du véhicule assuré, de ses moyens de fermeture, y compris électronique du mécanisme de mise en route du véhicule assuré...

[65] Glass damage: Covered ↩

Covers the cost of replacing or repairing the windscreen, side windows, rear window, sunroof/glass roof and front headlight/indicator/fog-light lenses, up to the manufacturer catalogue replacement value; a reduced (not zero) deductible applies when the repairer's recommended solution is a repair rather than a full replacement. Rear lights and mirrors are excluded.

Nous* garantissons, dans la limite de la valeur de remplacement à neuf selon le catalogue du constructeur du véhicule, le coût du remplacement (pièces et main d’œuvre) ou de la réparation suite au bris de l’un des éléments suivants :

[66] Natural perils: Covered ↩

Covers direct material damage caused by an officially recognised natural catastrophe (subject to the regulatory deductible fixed by ministerial order) and by other natural-force events not classified as a 'catastrophe naturelle' (flooding, rockfall, snow, landslide, hail, storm, hurricane, cyclone).

Nous* garantissons la réparation pécuniaire des dommages matériels directs non assurables subis par le véhicule assuré, ayant eu pour cause déterminante l'intensité anormale d'un agent naturel.

[67] Vandalism: Conditional ↩

Covers damage to the insured vehicle caused deliberately by a third party (not amounting to theft, attempted theft or an accident), on presentation of a police report; available only under the 'Tous Risques' formula.

Nous* garantissons les dommages résultant d’un acte de vandalisme*, causés au véhicule assuré, sur présentation d'un récépissé de dépôt de plainte auprès des autorités compétentes.

[68] Roadside assistance: €200 – €300 ↩

Optional 'Assistance' guarantee (subscribed as the '0 km' or '25 km' formula) covers on-the-spot breakdown assistance or towing to the nearest garage, up to €200 including tax (€300 on motorways/toll roads); the '25 km' formula applies a 25 km deductible from the home address for breakdown/fuel/energy-breakdown events, which the '0 km' option removes.

Le coût de ce dépannage sur place, ou de ce remorquage, est pris en charge jusqu’à concurrence de 200 € TTC à l'exclusion des coûts engagés pour la réparation du Véhicule (pièces de rechange et main d'œuvre). Ce montant maximal est porté à 300 € TTC en cas d’intervention sur une voie appartenant au domaine d’état

[69] Replacement vehicle: Optional ↩

Optional guarantee providing a replacement vehicle while the insured vehicle is immobilised: the 'Économique' formula provides an economy 3-door or city 5-door car for up to 5 days; 'Particulier' and 'Professionnel' formulas provide an equivalent-category vehicle for 8 days (breakdown/fuel error), 15 days (accident, vandalism, attempted theft, natural catastrophe, fire) or 40 days (theft); a cash alternative of €110/day (within the same day limits) is available under the Professional option if the vehicle offered is unsuitable for the policyholder's business.

Si Vous avez souscrit l’Option Véhicule de remplacement Economique : Véhicule de remplacement : véhicule de tourisme de catégorie économique (3 portes) ou citadine (5 portes) pour une durée maximale de 5 jours.

[70] Driver accident: €300,000 – €1,000,000 ↩

Covers the driver's own bodily injury (or death) following a road accident, or violence suffered during a theft/attempted theft of the vehicle, indemnified under ordinary-law rules. Included in every formula at a minimum capital of €300,000 with a 10% permanent-impairment (AIPP) threshold; optional upgrades raise the capital to €600,000 (5% threshold) or €1,000,000 (no threshold).

Jusqu'à 1 million d'euros sans franchise selon l'option souscrite, que vous soyez responsable ou non, et s'applique également au conducteur autorisé à conduire votre véhicule.

[71] Own damage: Conditional ↩

Covers all accidental damage suffered by the insured vehicle, including tyres when damage is accessory to the vehicle's damage, plus justified towing/breakdown costs to the nearest garage. This guarantee is only part of the 'tous risques' (comprehensive) formulas; it is not available under third-party-only formulas. No fixed sum insured is stated; indemnification is based on repair cost or vehicle value per the age-based settlement tables.

Toutes les détériorations accidentelles subies par le véhicule assuré. Les pneumatiques sont couverts lorsque leur détérioration est l'accessoire des dégâts causés au véhicule ;

[72] Total loss: Covered ↩

Settlement depends on vehicle age: for vehicles new or under 1 year, if repair cost exceeds 2/3 of the original purchase value, indemnity is at replacement (new) value if the wreck is surrendered, or actual value if kept. For vehicles 1-5 years old, indemnity is expert-assessed replacement value, or purchase-value option (capped at Argus value +30%) for 3 years from purchase. For vehicles over 5 years old, if repairable and repaired, indemnity is the 'Indemnisation Plus' (minimum €1,416, maximum replacement value +20%, within repair cost limit); otherwise expert replacement value with a minimum of €1,100 (minus wreck value), or the purchase-value option if chosen.

Valeur réelle avec mini 1 100 U

[73] Partial loss: Covered ↩

When repair cost is below the applicable threshold (2/3 of original purchase value for vehicles under 1 year, or expert replacement value for older vehicles), indemnity equals the actual cost of repairs (parts replacement/repair at expert valuation, including reconditioned parts where the expert deems it possible), with no fixed monetary ceiling stated in the policy wording.

COÛT DES RÉPARATIONS : ce coût comprend la réparation ou le remplacement des pièces endommagées, à dire d'expert, y compris lorsque l'expert l'estime possible avec l'utilisation de pièces de réemploi.

[74] Theft & robbery: Conditional ↩

Covers loss/damage from theft or attempted theft of the vehicle by break-in of the vehicle or its garage, or violence against the keeper/owner, plus recovery, towing and breakdown costs. A separate guarantee covers isolated theft of vehicle components (including wheels). Requires an anti-theft device where stated in the personal conditions and observance of prevention measures (removing ignition keys/electronic badges, engaging the steering lock, closing windows/sunroof, locking doors/bonnet/boot). Not available under the entry-level third-party-only formula; included from the extended third-party formula upward.

les dommages consécutifs à la disparition frauduleuse ou à la détérioration du véhicule assuré résultant du vol ou de la tentative de vol de ce véhicule par : - effraction du véhicule,

[75] Glass damage: Conditional ↩

Covers isolated breakage of the windshield, side windows, rear window, door windows and non-opening panoramic roof, plus corresponding repair/replacement costs and towing if needed. Excludes headlight/optic units, long-range and fog lights, opening sunroof glass, mirrors, indicator lights, door deflectors and mirror supports (covered instead under the front optics/sunroof guarantee where subscribed). Via the PRESTO GLACE service, windshield chip repairs can be carried out with no deductible at the customer's home or workplace, for 4-wheel vehicles of 3.5 tonnes or less only.

le bris isolé : - du pare-brise, - des glaces de côté, - de la lunette arrière, - des glaces de portières, - du toit panoramique non ouvrant.

[76] Natural perils: Conditional ↩

Combines two guarantees: (1) Catastrophes naturelles, covering non-insurable direct material damage caused by the abnormal intensity of a natural agent, triggered only after publication of an official interministerial decree recognising a 'state of natural catastrophe'; also extended to ground subsidence from natural/human-made underground cavities; and (2) Événements climatiques, covering storm, flood, landslide, avalanche, falling rocks and hail when not declared a natural catastrophe. Both exclude indirect damage and depreciation.

la réparation pécuniaire des dommages matériels directs non assurables subis par le véhicule assuré et ayant pour cause déterminante l'intensité anormale d'un agent naturel

[77] Vandalism: Conditional ↩

Extends, only to the guarantees indicated in the limits/deductible table for the chosen formula, cover to accidental deterioration of the insured vehicle caused by acts intended solely to destroy or damage it, plus justified towing/breakdown costs. In practice offered alongside the all-risks damage guarantee in the comprehensive ('tous risques') formulas.

par extension aux seules garanties indiquées dans le tableau des montants de garantie et des franchises en fonction de la formule que vous avez choisie pour votre véhicule : toutes les détériorations accidentelles subies par le véhicule assuré lorsqu'elles résultent d'actes de vandalisme

[78] Roadside assistance: €138 – €230 ↩

Included with every Groupama Conduire auto policy: towing/breakdown assistance following immobilisation from an accident, breakdown, theft or vandalism, available 24/7 via Mutuaide Assistance. A 50 km deductible from the declared home address applies except in case of accident/theft/vandalism, for cross-border residents, or if the optional 'Assistance 0 km' (home breakdown assistance) has been subscribed. Example benefit limits (non-indexed): breakdown/towing costs €138 TTC in France and €230 TTC abroad; equivalent limits apply for lost/broken/locked-in keys.

Frais de dépannage et/ou remorquage en France 138 U TTC ... Frais de dépannage et/ou remorquage à l'étranger 230 U TTC

[79] Replacement vehicle: 7 days – 30 days ↩

Loan vehicle (category stated in the personal conditions) provided in Metropolitan France in case of vehicle unavailability, for a duration that varies by event: up to 7 days for breakdown repairs, up to 15 days for accident repairs (up to 20 days if the vehicle is declared a total loss/wreck), and up to 30 days if the vehicle is stolen. If no loan vehicle is available locally, a daily indemnity is paid instead, reduced to €35 TTC/day if only a lower category vehicle can be supplied. The enhanced 'Auto Presto Privilège' variant is included as standard only in the top-tier comprehensive formula and is an optional paid add-on in the other formulas; the free Auto Presto loan car after an accident also requires that the 'Dommages Tous Accidents' guarantee has been subscribed and repairs are carried out at a partner garage.

une durée maximale de 30 jours si le véhicule assuré est volé.

[80] Driver accident: €1,200,000 ↩

Included automatically in all Groupama Conduire formulas: covers the driver's own bodily injury or death following a road accident, whether or not the driver is at fault, including temporary and permanent incapacity indemnification (per the common-law schedule), medical/rehabilitation costs, third-party assistance costs, and, on death within one year, funeral costs and moral/economic prejudice to beneficiaries. Indemnification can reach up to €1.2 million, revalued each year based on the evolution of the AGIRC/ARRCO pension point. Cover applies during use of the vehicle, including starting it up, repairing, refuelling, loading/unloading.

Une garantie "accident corporel du conducteur" qui va prendre en compte de nombreux préjudices financiers et corporels et pas seulement une partie comme c'est souvent le cas. Le montant de l'indemnisation (jusqu'à 1,2 M€) ( 7 ) qui vous est versé est fonction des préjudices subis à la suite de l'accident dont vous avez été victime au volant de votre voiture.

[81] Own damage: Optional ↩

Optional cover for damage to the insured's own vehicle following a collision with another vehicle, person or animal, hail, snow or vandalism; a deductible applies unless the total deductible buy-back or the 'indemnisation plus' option has been subscribed.

Actes de vandalisme, choc avec un autre véhicule ou une personne ou un animal, grêle, neige

[82] Total loss: Optional ↩

Optional enhanced indemnification above the expert-assessed value if the vehicle is declared economically irreparable or stolen.

Indemnisation majorée par rapport à la valeur déterminée par un expert si le véhicule est économiquement irréparable ou volé.

[83] Theft & robbery: Optional ↩

Optional cover for theft of the vehicle by mechanical or electronic break-in; a deductible applies unless the total deductible buy-back or the 'indemnisation plus' option has been subscribed, and a police report must be filed.

Vol par effraction mécanique ou électronique du véhicule

[84] Glass damage: Optional ↩

Optional cover for repair or replacement of the windscreen, exterior mirrors and rear lights; a deductible applies unless bought back.

Réparation ou remplacement du pare-brise Réparation ou remplacement des rétroviseurs extérieurs et feux arrières

[85] Natural perils: Optional ↩

Optional cover for natural events (e.g. storm-type damage) in the absence of an official inter-ministerial decree recognising a state of natural disaster; separate 'Catastrophes Naturelles' cover is subject to specific contractual provisions.

Événements naturels, en l'absence d'arrêté interministériel constatant l'état de catastrophe naturelle

[86] Vandalism: Optional ↩

Optional cover for acts of vandalism, collision with another vehicle, person or animal, hail or snow; a deductible applies unless bought back.

Actes de vandalisme, choc avec un autre véhicule ou une personne ou un animal, grêle, neige

[87] Roadside assistance: Covered ↩

Included base guarantee covering towing and breakdown costs, return or repatriation of a recovered vehicle, and expert assessment in case of a claim abroad; one edition applies a 50 km deductible/threshold in case of breakdown.

Assistance au véhicule (frais de remorquage et de dépannage, retour ou rapatriement du véhicule retrouvé, expertise en cas de sinistre à l'étranger) avec une franchise de 50 km en cas de panne

[88] Replacement vehicle: Optional ↩

Optional loan of a replacement vehicle (category A or B or equivalent in some editions) for a duration determined by the triggering event (accident, theft, breakdown).

Prêt d'un véhicule de remplacement de catégorie A ou B ou équivalente pour une durée déterminée selon l'évènement (accident, vol, panne)

[89] Driver accident: €1,000,000 ↩

Included base guarantee covering bodily injury suffered by the driver, capped at a maximum indemnity of €1,000,000.

Préjudices corporels subis par le conducteur jusqu'à 1 000 000 €

[90] Own damage: Covered ↩

Core all-accident damage guarantee (Dommages Tous Accidents) covering collision, falling objects and impact while parked, whether or not the driver is at fault; indemnity is capped at the expert-assessed replacement value of the vehicle at the date of loss and cannot exceed the price actually paid for the vehicle if that value is higher, less the applicable deductible.

Cette garantie couvre les dommages accidentels causés au Véhicule assuré dans les cas suivants : Collision contre un corps fixe ou en mouvement ; Collision contre un autre Véhicule ; Renversement du Véhicule assuré ; Chute de pierres, d'objets, de substances sur le Véhicule assuré en stationnement sur un emplacement autorisé ou en circulation ; Choc en stationnement sur un emplacement autorisé.

[91] Total loss: Covered ↩

In case of total loss (unrecovered theft, or repair cost exceeding vehicle value), indemnity is limited to the expert-assessed replacement value of the vehicle at the date of loss, less the deductible, and cannot exceed the actual purchase price paid by the policyholder (excluding gifts, auction purchases, inheritance, or family transactions).

L'indemnité ne peut en aucun cas, être supérieure à la valeur de remplacement à dire d'expert du Véhicule assuré au jour du Sinistre, déduction faite du montant des Franchises indiquées aux Dispositions Particulières.

[92] Partial loss: Covered ↩

For partial repairable damage, indemnity equals the cost of repairs assessed at market rates charged by professional repairers in the geographic area, less the applicable deductible, when the repair cost is below the vehicle's pre-loss economic value; the policyholder may freely choose the repairing garage.

Lorsque le montant des réparations est inférieur à la valeur économique du Véhicule avant le Sinistre, l'indemnité correspond au montant des réparations, déduction faite du montant des éventuelles Franchises indiquées aux Dispositions Particulières. Le Souscripteur a la faculté de recourir au réparateur professionnel de son choix.

[93] Theft & robbery: Covered ↩

Covers total disappearance of the vehicle through forced/electronic entry, damage from theft or attempted theft, and partial theft of vehicle components (when forced entry occurred), including car-jacking and home-jacking scenarios; indemnity follows the general damage valuation rules (expert replacement value less deductible).

Cette garantie couvre le Véhicule assuré en cas de : Disparition totale du Véhicule assuré lorsque le Vol a été commis par Effraction mécanique ou électronique sur les ouvrants...

[94] Glass damage: Covered ↩

Covers accidental breakage of the windscreen, side windows and rear window (vehicle moving or parked), up to the value of repair or replacement including fitting costs, limited to two glazed elements per event; panoramic sunroofs, headlight units, rear lights, indicators, mirrors, fog lights, and organic-glass elements are excluded. Prior claim-number authorization from L'olivier Assurance is required before repair.

Cette garantie couvre le bris accidentel des éléments suivants du Véhicule assuré : Pare-brise, Glace latérale, Vitre arrière... L'accord préalable de L'olivier Assurance, concrétisé par un numéro de Sinistre, est nécessaire avant de procéder à toute réparation ou remplacement.

[95] Natural perils: Covered ↩

Covers storm/natural-force damage (storm, cyclone, hurricane winds over 100 km/h, hail, landslide, flood, avalanche) and, separately, officially declared natural or technological catastrophes; both are limited to the vehicle's replacement value, with the legal CatNat deductible (currently €380, revisable by ministerial order) applying to the catastrophe guarantee, which additionally requires that Bris de Glace, Tempête and Dommages Tous Accidents be subscribed for it to take effect.

Sont garantis les dommages causés au Véhicule assuré causés par : Une tempête ; Un cyclone ; Un ouragan provoquant une chute de corps ou un renversement du Véhicule assuré, à la condition que la vitesse du vent soit supérieure à cent kilomètres par heure (100km/h) au moment du Sinistre.

[96] Vandalism: Covered ↩

Covered as a special case of the all-accident damage guarantee (Dommages Tous Accidents) when the vehicle is the direct or indirect target of intentional destruction/deterioration by a third party without intent to steal; a police complaint receipt must be provided to trigger the guarantee.

Cette garantie couvre les dommages dont le fait générateur est un acte de Vandalisme, dont le Véhicule assuré est la cible directe ou indirecte... La mise en jeu de cette garantie est alors subordonnée à la remise par l'Assuré d'un certificat de dépôt de plainte.

[97] Roadside assistance: €200 ↩

Base 'Inclusion avec Franchise 50 km' roadside assistance covers breakdown, accident, fire, theft/attempted theft and vandalism, providing on-site repair or towing up to €200, subject to a 50 km deductible from the insured's home address for breakdowns and limited to two breakdowns per calendar year; the 50 km deductible can be removed via the optional Assistance+ upgrade for €2.50/month.

En cas d’accident, incendie, vol ou tentative de vol immobilisant le véhicule : Intervention de l’assistance en France ou à l’étranger si le véhicule se trouve à plus de 50 km de votre domicile.

[98] Replacement vehicle: Optional ↩

Not included in the base assistance formula. Available only under the optional 'Option Assistance 0 km' (economy-category vehicle for up to 5 days for breakdown / 7 days for accident, vandalism, fire or theft) or 'Option Assistance Premium' (equivalent-category vehicle for up to 8 days for breakdown / 15 days for accident or fire / 30 days for vandalism or theft), limited to France and subject to rental-company conditions (driver age, licence, payment card).

Nous organisons la mise à votre disposition dans la limite des disponibilités locales, d'un Véhicule de remplacement de catégorie économique (3 portes). 7 jours en cas d'Accident, d'Acte de Vandalisme, d'Incendie, de Tentative de Vol ou de Vol ; 5 jours en cas de Panne.

[99] Driver accident: €100,000 ↩

Personal driver injury guarantee covering bodily injury/medical expenses of the driver (and passengers) up to €100,000 when the driver is at fault or the responsible third party is unidentified, including up to €3,000 for medical/treatment costs and up to €5,000 for funeral expenses in case of death; can be extended to €1,000,000 through the optional Chubb-underwritten Security Pack (from €8/month) or Premium Pack (from €12/month).

Garantie du conducteur : prise en charge des dommages corporels des conducteurs en cas d'accident responsable ou sans tiers identifié. Garantie plafonnée à 100 000 € par sinistre.

[100] Own damage: Conditional ↩

Covers accidental damage to the insured vehicle from collision, loss of control, impact with a fixed or moving object, vandalism and other accidental events, indemnified up to the vehicle's replacement value as fixed by an expert on the day of the claim. Full 'tous risques' cover is only available under the Différence, Pertinence (legacy, no longer sold but retained for existing policyholders) and Plénitude formulas; Initiale only covers weather events, natural catastrophes, terrorism and technological disasters, and Essentiel additionally covers theft, fire and glass breakage but not collision/other accidental events.

[101] Total loss: €1,900 – €3,900 ↩

When the vehicle is stolen and not recovered, or declared irreparable, MAIF indemnifies at the vehicle's replacement value as assessed by an expert. Under the Plénitude formula, recent vehicles benefit from purchase-value indemnification (up to 24 months for motorhomes, caravans, trailers, voiturettes and two/three/four-wheelers >50cm³, or up to 48 months for cars and light utility vehicles), and older vehicles (>24 or >48 months) benefit from a 10% or 20% markup on the assessed replacement value. Under Différence, Pertinence and Plénitude, a minimum guaranteed value (€1,900-€3,900 for 4-wheel vehicles, €610-€1,300 for two/three/four-wheelers >80cm³, €1,600 for caravans) applies to old low-value vehicles insured continuously on a comprehensive basis for at least 5 years. Collection vehicles are indemnified up to the value bracket chosen by the policyholder.

[102] Partial loss: Conditional ↩

Repairable accidental damage (collision, impact, loss of control, vandalism) to the insured vehicle is covered up to its replacement value. Repairs carried out following any covered claim under the Vehicle Damage guarantee are guaranteed for life, excluding damage from normal wear, lack of manufacturer-recommended maintenance, bird droppings or weathering.

[103] Theft & robbery: Conditional ↩

Covers theft or attempted theft of the insured vehicle, its fixed accessories and its equipment, indemnified at replacement value (or enhanced purchase value for recent vehicles under Plénitude, see Total Loss). No deductible applies when the thief is identified; otherwise the contractual deductible applies.

Lorsque l'auteur du vol ou de la tentative de vol est identifié, l'indemnisation s'effectue sans franchise. Dans le cas contraire, elle s'effectue déduction faite d'une franchise dont le montant est indiqué sur les conditions particulières ou sur l'avis d'échéance.

[104] Glass damage: Conditional ↩

Covers breakage of the windscreen, side windows, rear window, headlight/taillight lenses and transparent sunroof when it is the only damage to the vehicle or results from a projected object, indemnified at the average local repair/replacement cost (capped at the vehicle's replacement value). A €50 deductible applies for replacement under Essentiel, Différence and Pertinence (no deductible for repair); Plénitude has no deductible at all for glass claims, whether repaired or replaced.

Si vous avez souscrit la formule Essentiel, Différence ou Pertinence, une franchise spécifique d'un montant de 50 euros est appliquée lorsque le dommage concerne exclusivement un élément vitré et que cet élément est remplacé.

[105] Natural perils: Covered ↩

Covers flooding, mudslides, landslides, avalanches, windstorms (145 km/h or more sustained, or 215 km/h or more in gusts, or officially declared storms), snow weight, hail, lightning, earthquakes, volcanic eruptions, tsunamis and other officially-declared natural catastrophes. This guarantee is included in every formula, from Initiale upward, with a fixed deductible of €380 for officially declared natural catastrophes regardless of formula.

effets du vent, lorsque sa vitesse enregistrée ou estimée sur la zone sinistrée atteint ou dépasse en surface 145 km/h en moyenne sur 10 minutes ou 215 km/h en rafales.

[106] Vandalism: Conditional ↩

Covers acts of vandalism against the insured vehicle; only available under the 'tous risques' formulas (Différence, Pertinence and Plénitude), not under Initiale or Essentiel.

Si vous avez souscrit pour votre véhicule la formule Différence, Pertinence ou Plénitude, sont également garantis : — Les autres événements accidentels comme : ... l'acte de vandalisme.

[107] Roadside assistance: €180 ↩

Roadside assistance and towing to the nearest garage in the event of accident, fire, theft, attempted theft or vandalism is included in every formula with no mileage deductible. Breakdown assistance is included only when the breakdown occurs more than 50 km from home (20 km in Guadeloupe, Martinique and Réunion) unless the 'Assistance panne 0km' option is purchased or the Plénitude formula is held, in which case breakdown assistance applies with no minimum distance. Towing/breakdown costs are covered up to €180 (parts, fuel and labour excluded).

MAIF organise et prend en charge le dépannage sur place ou le remorquage jusqu'au garage le plus proche ou jusqu'à l'atelier apte à procéder aux réparations. La prise en charge des frais de dépannage ou de remorquage s'effectue à concurrence de 180 €, après appel préalable et obligatoire de MAIF assistance.

[108] Replacement vehicle: Optional ↩

Provides a courtesy vehicle following an accident, theft or breakdown. Included by default under the Plénitude formula (and the legacy Pertinence formula); available as a paid option under Initiale, Essentiel and Différence. Maximum loan durations: up to 40 consecutive days for a repairable vehicle at a partner garage (Différence with option / Plénitude), 20 days in case of theft with disappearance of the vehicle, and 7 days in case of breakdown; reimbursement of rental costs up to €40-€60 per day is available when no partner garage or courtesy vehicle can be provided.

MAIF met gratuitement à votre disposition un véhicule de remplacement pendant la durée effective d'immobilisation du véhicule pour réparations dans la limite de 40 jours consécutifs.

[109] Driver accident: €7,700 – €46,000 ↩

Covers bodily injury to the driver and other insured persons resulting from an accident involving the insured vehicle, even if the driver is at fault. Included in every formula (Initiale to Plénitude). Per the IPID, medical expenses are reimbursed up to €1,400 and home-help assistance up to €700; permanent disability lump sums range from €7,700 (10-19% disability) up to €23,000 (50-100% disability), doubled to €46,000 if permanent third-party assistance is required; death benefits are €1,600 (base, to any beneficiary), plus €3,900 for a surviving spouse/partner or €3,100 per dependent child.

Jusqu'à 9 % Néant De 10 à 19 % 7 700 € De 20 à 34 % 13 000 € De 35 à 49 % 16 000 € De 50 à 100 % 23 000 €1 De 50 à 100 % si assistance permanente d'une tierce personne 46 000 €1

[110] Own damage: Covered ↩

Covers accidental damage to the insured vehicle from collision with an external object, roll-over without prior collision, vandalism (subject to a police complaint), transport by air/river/sea/land, and door/bonnet impacts. Without the Indemnisation renforcée option, indemnity for a repairable vehicle is the cost of repairs capped at the expert-assessed replacement value; with the option, a destroyed/irreparable vehicle is reimbursed at its purchase price for the first 36 months from first registration, then at expert replacement value plus 30% (capped at purchase price), less deductible.

Les dommages accidentels subis par le véhicule assuré directement consécutifs à : - un choc contre un corps extérieur au véhicule, - un versement sans collision préalable, - un acte de vandalisme sous réserve qu'une plainte soit déposée auprès des autorités de police ou de gendarmerie, - son transport par voie aérienne, fluviale, maritime ou terrestre, - un choc entre une portière ou le capot, et la carrosserie.

[111] Total loss: Covered ↩

If the vehicle is destroyed, declared economically irreparable, or stolen and not recovered, indemnity (without the Indemnisation renforcée option) is the expert-assessed replacement value on the day of the loss, capped at the purchase price, less salvage value if retained. A minimum guaranteed indemnity of €1,200 TTC applies in these cases regardless of assessed value.

Si le véhicule assuré est complétement détruit ou déclaré économiquement irréparable, l'indemnité correspond au montant de la valeur de remplacement du véhicule à dire d'expert, appréciée au jour du sinistre dans la limite du prix d'achat, déduction faite du prix de l'épave si vous la conservez.

[112] Partial loss: Covered ↩

If the insured vehicle is repairable, the indemnity corresponds to the cost of repairs as evaluated by the insurer's claims department or expert, without exceeding the expert replacement value of the vehicle on the day of the loss, less the applicable deductible.

Si votre véhicule est réparable, l'indemnité correspond au coût des réparations évalué par le service Indemnisation ou par l'expert sans dépasser la valeur de remplacement du véhicule à dire d'expert au jour du sinistre.

[113] Theft & robbery: Covered ↩

Covers theft and attempted theft of the insured vehicle, dispossession during a sale test-drive, and theft of vehicle components even if the vehicle itself is not stolen. A minimum guaranteed indemnity of €1,200 TTC applies if the vehicle is not recovered; accessories are capped at €200 TTC per claim. Cover is conditional on any anti-theft protection devices stated in the Special Conditions, proof of which must be produced after a claim.

Le vol du véhicule assuré, - La tentative de vol du véhicule assuré ; Elle se définit comme le commencement d'exécution du vol du véhicule et se matérialise par des traces matérielles relevées sur le véhicule, telles que l'effraction des serrures, le forcement de l'antivol de direction, la modification des branchements électriques du démarreur, - La dépossession du véhicule assuré au cours d'essais en vue de sa vente à condition que la carte grise n'ait pas été remise au prétendu acquéreur, - Le vol des éléments du véhicule assuré même si celui-ci n'est pas volé.

[114] Glass damage: Covered ↩

Covers repair or replacement of the windscreen, rear window, side windows, and front/fog headlight lenses. Indemnity is limited to the cost of parts and the number of labour hours defined by the manufacturer at local market prices, on presentation of the original paid invoice; a prior claim number from the insurer's claims line is required before any repair.

Les frais de réparation ou de remplacement des verres, glaces ou verres organiques : - du pare-brise, de la vitre arrière, des glaces latérales, - des optiques de phares avant prévus en série ou en option constructeur, les optiques de phares anti brouillards avant.

[115] Natural perils: Covered ↩

Covers fire or explosion, lightning strike, storm, hail, flood, hurricane, cyclone, tornado, tidal wave, avalanche, landslide, falling rocks, and the weight of snow, plus electrical damage from a short-circuit. Natural Catastrophe cover pays for direct uninsurable material damage once an official interministerial decree recognising the state of natural catastrophe is published; a legal deductible of €380 per damaged vehicle applies. These guarantees apply in France only.

un des événements naturels suivants : chute de la foudre, tempête, grêle, inondation, ouragan, cyclone, tornade, raz de marée, avalanche, éboulement de terrain, chute de pierres, - l'action du poids de la neige.

[116] Vandalism: Covered ↩

Vandalism is covered as part of the All Accidents Damage guarantee, provided a complaint is filed with the police or gendarmerie.

un acte de vandalisme sous réserve qu'une plainte soit déposée auprès des autorités de police ou de gendarmerie

[117] Roadside assistance: €160 – €300 ↩

Mondial Assistance organises and covers on-site breakdown assistance or towing to the nearest garage, up to €160 TTC in the daytime and €300 TTC at night/weekends/public holidays/on motorways; the insurer promises a 1-hour response or reimburses €30. A kilometre-based deductible of 25 km normally applies for breakdown, but this is waived (0 km) for accident, puncture, fuel error and lost/broken/locked-in keys, and fully waived for all events under the optional Assistance renforcée included by default in the Tous Risques Plus formula.

Dépannage sur place ou remorquage du Véhicule immobilisé ou retrouvé • 160 € TTC maximum en journée • 300 € TTC maximum [nuit/jour férié/ Week-end/ grutage/treuillage/ autoroute] Remorquage vers le garage qualifié ou agréé par la compagnie d'assurance le plus proche du lieu de l'événement garanti.

[118] Replacement vehicle: Conditional ↩

Under the Assistance renforcée service, a replacement vehicle (up to category D, unlimited mileage) is provided for a maximum of 7 days in case of breakdown, 15 days in case of accident/attempted theft/vandalism, and 30 days in case of theft, fire or write-off, provided towing was organised by Mondial Assistance. This service is included by default in the Tous Risques Plus formula and available as a paid option in the Tous Risques and Leasing formulas.

En cas de Panne : 7 jours maximum, En cas d'Accident, Tentative de vol et Acte de vandalisme : 15 jours maximum, En cas de Vol, Incendie ou Epave : 30 jours maximum. Dans la limite d'une catégorie D. Le remorquage doit avoir été organisé par Mondial Assistance

[119] Driver accident: €400,000 – €1,000,000 ↩

Compensates the driver's bodily injury (permanent functional deficit, third-party assistance, medical costs, loss of earnings, pain and suffering, aesthetic and enjoyment prejudice) or death, up to a total of €400,000 (of which up to €200,000 for third-party assistance and up to €10,000 for funeral costs) under the standard Protection du conducteur guarantee, requiring a permanent functional deficit above 10%. The enhanced 'Protection du conducteur renforcée' raises the ceiling to €1,000,000 (same sub-limits) and lowers the qualifying threshold to a permanent functional deficit above 5%; it is included by default in the Tous Risques Plus formula and available as a paid option in the Tous Risques and Leasing formulas.

MONTANTS D'INDEMNISATION MAXIMUM Ensemble des préjudices : 1 000 000 euros - Dont assistance d'une tierce personne : 200 000 euros - Dont frais d'obsèques : 10 000 euros

[120] Own damage: 100% of insured sum ↩

Covers accidental damage caused directly to the insured vehicle by a collision with a fixed or mobile object, a collision with one or more vehicles, or overturning without prior collision, up to the vehicle's replacement value. Only available under the 'Tous risques' (comprehensive) formula.

Cette garantie couvre les dommages accidentels causés directement au véhicule assuré, à concurrence de sa valeur de remplacement, par : un choc avec un corps étranger fixe ou mobile, une collision avec un ou plusieurs véhicules, un versement sans collision préalable.

[121] Total loss: 100% of insured sum ↩

When the insured vehicle is declared a total loss (economically irreparable) following a covered claim (Theft, Fire, Natural Forces/Cat Nat/Cat Tech/Attacks under Tiers étendu, or All Accidents under Tous risques), settlement is based on replacement value; vehicles under 12 months old are settled at new value.

Nous garantissons le véhicule assuré en valeur de remplacement à dire d’expert majorée de 20 % si celui-ci est déclaré économiquement irréparable à la suite d’un sinistre garanti (à l’exclusion de la garantie Bris de glace et Bris de glace étendu).

[122] Partial loss: 100% of insured sum ↩

Repair costs for the insured vehicle are covered up to its replacement value under the All Accidents guarantee (Tous risques formula only). Compensation is reduced by 50% where there is a causal link between a non-compliant technical inspection and the vehicle damage, and wear-and-tear deductions apply to worn parts (battery, tyres, exhaust, brakes, convertible roof, upholstery).

Remarque : Le montant versé à titre d’indemnisation sera réduit de 50% s’il existe un lien de causalité entre la non-conformité du contrôle technique, selon la réglementation en vigueur, et les dommages matériels du véhicule assuré.

[123] Theft & robbery: 100% of insured sum ↩

Covers loss of or damage to the insured vehicle following theft or attempted theft, up to its replacement value, with a settlement offer made within 30 days of the theft declaration provided all supporting documents (registration card, full set of original keys/start cards, purchase and maintenance invoices, police report) are supplied. The indemnity is reduced by half if any of these documents are missing.

Nous garantissons le règlement des dommages jusqu’à la valeur de remplacement du véhicule, l’offre vous étant faite dans un délai maximal de 30 jours à compter de la déclaration du vol à condition que toutes les pièces justificatives... soient en notre possession.

[124] Glass damage: 100% of insured sum ↩

Covers replacement or repair of the windscreen, side windows and rear window up to the vehicle's replacement value.

Cette garantie couvre, dans la limite de la valeur de remplacement du véhicule assuré, le remplacement ou la réparation du pare-brise des glaces latérales et de la lunette arrière.

[125] Natural perils: 100% of insured sum ↩

Covers damage to the insured vehicle up to its replacement value caused by hail, avalanche, landslide, falling rocks, storm, roof snow-fall, flooding, officially declared natural catastrophes, technological catastrophes, and fire/explosion resulting from a terrorist attack.

Cette garantie couvre les dommages au véhicule assuré, à concurrence de sa valeur de remplacement, lorsqu’ils sont provoqués par : la grêle, une avalanche, un glissement de terrain ou une chute de pierres, la tempête... la chute de neige de toiture d’immeubles, une inondation.

[126] Vandalism: 100% of insured sum ↩

Under the optional 'Renfort Garanties' add-on and only within the Tous risques formula, accidental damage to the insured vehicle caused by malicious acts (deliberate damage or destruction by a third party) is covered.

Pour la formule Tous Risques, nous garantissons les dommages accidentels au véhicule assuré du fait d’un acte de malveillance (vandalisme, c’est à-dire la dégradation ou la destruction volontaire par un tiers).

[127] Roadside assistance: €250 ↩

Optional 24/7 assistance in case of breakdown, accident, fire, theft or key loss: 'Assistance Budget' covers towing/roadside repair beyond a 50 km radius of the home for breakdowns (up to 100€ TTC, or 190€ TTC on motorways); 'Assistance Elite' has no kilometric deductible (up to 155€ TTC, or 250€ TTC on motorways).

Le coût de ce dépannage sur place ou du remorquage est pris en charge à concurrence de 100 € TTC pour l’assistance Budget ou 155 € pour l’assistance Elite... nous vous rembourserons les frais de dépannage ou de remorquage sur présentation de la facture originale à concurrence de 190 € TTC pour l’assistance Budget ou 250 € TTC pour l’assistance Elite.

[128] Replacement vehicle: Optional ↩

A replacement vehicle is organised after towing when the insured vehicle is immobilised, provided the policyholder has subscribed to Assistance Budget or Assistance Elite plus the specific 'véhicule de remplacement' sub-option. Under Assistance Budget: economy category, max 3 consecutive days. Under Assistance Elite: category equivalent to the insured vehicle (up to a compact car), for 5 to 20 consecutive days depending on the cause of immobilisation (breakdown, accident/fire/attempted theft, or theft).

[129] Driver accident: €500,000 – €1,000,000 ↩

Covers the driver's bodily injury, whether at fault or not, in the event of an accident, subject to a permanent functional deficit (invalidity) exceeding 10%. Base coverage is up to 500,000€ across all formulas (Tiers, Tiers étendu, Tous risques). Compensation is reduced by 25% where there is a causal link between non-use of the seatbelt and the injuries sustained.

Extension Dommages Corporels du Conducteur jusqu’à 1 000 000 € avec seuil d’invalidité > 10% Option Option Option

[130] Own damage: Optional ↩

Covers damage to the insured vehicle caused by collision with a fixed or moving object, overturning without prior collision, accidental opening of the bonnet/boot/door, riots or popular movements, vandalism, and submersion. This guarantee is only granted if subscribed, and its amounts and deductibles are set out in the Dispositions Personnelles.

Le choc du véhicule avec un corps fixe ou mobile (y compris les personnes ou les animaux) ainsi que le versement de ce véhicule sans collision préalable.

[131] Total loss: Conditional ↩

When the vehicle is economically/technically irreparable or has disappeared, indemnification equals the expert-assessed replacement value (VRADE) before the loss, less residual value. For a total loss occurring within 3 months of first registration, indemnification equals the purchase price shown on the invoice (less a 1% per month reduction once the vehicle exceeds 5,000 km). The optional 'Valeur à neuf 12 mois' extension (CG art. 6.7.2) extends this period to 12 months and the mileage threshold to 20,000 km; the commercial brochure states this new-value guarantee can further be extended up to 36 months.

Le délai de 3 mois peut être porté à 12 mois suivant la mention faite aux Dispositions Personnelles et le nombre de kilomètres porté à 20 000, grâce à l'option « Valeur à neuf 12 mois » (art. 6-7-2).

[132] Partial loss: Conditional ↩

When the vehicle is economically repairable, indemnification equals the repair cost under the best local economic conditions, taking into account the vehicle's age, condition and the nature of the damage; a wear-and-tear (vétusté) deduction applies to periodically replaced parts such as tyres. This is part of the Dommages au véhicule guarantee, applicable only if that guarantee has been subscribed.

Le montant des dommages est égal au coût de la réparation, selon les règles de l'art, aux meilleures conditions économiques locales compte tenu du véhicule, de son âge, de son état et de la nature des dommages.

[133] Theft & robbery: Optional ↩

Covers theft or attempted theft of the vehicle committed by aggression or by break-in of the windows, sunroof, doors, boot, or of a locked private garage, including theft of the vehicle within 6 hours of the keys being stolen from the insured's home; also covers theft of vehicle parts (wheels, engine block, steering, bodywork elements, exhaust line) under specific conditions, plus recovery and up to 72 hours of impound fees. Non-original (hors série) accessories are only covered up to 10% of the vehicle's expert-assessed value (VRADE). This guarantee is only granted if subscribed, with anti-theft equipment requirements set in the Dispositions Personnelles.

La garantie s'applique lorsque le vol est commis par agression ou par effraction des glaces, du toit ouvrant ou vitré, des portières, de la capote, du coffre du véhicule assuré ou du garage privatif et fermé à clé, dans lequel le véhicule assuré était stationné.

[134] Glass damage: Optional ↩

Covers breakage of the windscreen, rear window, side and door windows, sunroof glass, exterior lighting/signalling elements and the exterior sun visor, including engraving costs for etched glass. The deductible can be waived when an approved glazier from SwissLife's network is used. This guarantee is only granted if subscribed.

Le bris résultant de tous évènements non expressément exclus, des éléments du véhicule énumérés ci après : le pare-brise, la glace arrière, les glaces latérales et des portières, les glaces de toit, les éléments d'éclairage et de signalisation extérieurs, le pare-soleil extérieur.

[135] Natural perils: Conditional ↩

Covers storm, hail, snow weight, lightning, flood, avalanche, falling rocks and landslide under the Incendie/Tempête or Accidents/Émeutes/Vandalisme guarantees. The statutory Catastrophes naturelles guarantee is automatically included as soon as one of the Incendie, Vol, Accidents/Émeutes/Vandalisme guarantees is subscribed, and can only be triggered after an official Journal Officiel decree recognising the state of natural disaster. A statutory deductible applies (see key_conditions.deductible_rules).

Cette garantie vous est acquise automatiquement si vos Dispositions Personnelles indiquent que vous avez souscrit l'une des garanties « Incendie, Tempête », « Vol », « Accidents, Émeutes, Vandalisme, Forces de la nature ».

[136] Vandalism: Optional ↩

Covers damage voluntarily caused to the vehicle by a third party with no other motive than to damage or destroy it, under the Accidents, émeutes, vandalisme guarantee, only granted if subscribed.

Le vandalisme.

[137] Roadside assistance: Conditional ↩

Automatically included once one of the Incendie/Tempête, Vol, Accident/Émeute/Vandalisme or Bris de glaces guarantees is subscribed. Reimburses, on justification and once validated by the expert, towing, breakdown recovery, lifting, vehicle retrieval and storage costs. Limits are set in the Dispositions Personnelles.

[138] Replacement vehicle: Optional ↩

Marketing material advertises a free courtesy vehicle with unlimited mileage for the duration of repairs when using SwissLife's approved repair network. The T&C reference a separate optional 'Convention véhicule de remplacement' annex, subscribed and detailed in the Dispositions Personnelles.

Le prêt d'un véhicule avec kilométrage illimité durant le temps des réparations.

[139] Driver accident: €1,000,000 ↩

Covers the driver's bodily injury or death from a road accident while driving the insured vehicle, if subscribed, within the limits set in the Dispositions Personnelles. Due once permanent incapacity exceeds 10%, only for the part above that threshold (not applicable to funeral costs).

Cette garantie vous est acquise sous réserve que vous l'ayez souscrite et dans les limites fixées aux Dispositions Personnelles. Nous garantissons vos dommages corporels ou votre décès provenant d'un accident de la circulation automobile survenu alors que vous étiez au volant du véhicule assuré.

[140] Own damage: Conditional ↩

Covers damage to the insured vehicle from collision with a fixed or mobile object (including wild animals), vehicle overturning, avalanches, rockfalls, landslides and floods. Indemnity is based on the vehicle's market value (valeur vénale) before the loss, minus deductible, or on the purchase price if the loss occurs within 12 months of first registration and the vehicle was bought from a motor professional. Only available when the 'Dommages tous accidents' guarantee has been subscribed.

[141] Total loss: Conditional ↩

In case of total destruction (declared technically or economically irreparable) or theft not recovered within 30 days of the police report, indemnity equals the vehicle's market value before the loss minus deductible, or the purchase price if the loss occurs within 12 months of first registration. Minimum indemnity floors of 1,200 EUR (2,000 EUR if Dommages tous accidents is included) apply. The optional Pack Indemnité+ increases indemnity based on vehicle age (up to purchase value if <36 months, market value +30% if 36-60 months, +40% beyond 60 months).

[142] Partial loss: Conditional ↩

When repair cost is lower than the vehicle's market value before the loss, indemnity equals the cost of repairs, minus any applicable deductible.

[143] Theft & robbery: Conditional ↩

Covers disappearance of the insured vehicle, theft of the car radio, fixed audio/video equipment, or vehicle components (e.g. wheels, roof box), and interior/exterior damage resulting from theft or attempted theft. Theft is excluded if keys were left in, on, or under the vehicle unless there was forced entry into a locked private garage or gate, or violence was used.

[144] Glass damage: Conditional ↩

Covers accidental breakage of windscreen, side windows, rear window, headlight lenses, and translucent roof panels, at replacement value. Windscreen repair (instead of replacement) avoids the deductible where one applies. Optional in Formule 1; included in Formule 2 and Formule 3.

[145] Natural perils: Conditional ↩

Covers damage from an officially declared natural catastrophe, technological catastrophe, terrorism/attacks, and storm (wind over 100 km/h or equivalent damage), hail, or snow/ice falling from roofs. Granted automatically in Formule 1 only if the glass-breakage option is subscribed; included in Formule 2 and Formule 3.

[146] Vandalism: Conditional ↩

Vandalism consecutive to theft or attempted theft is covered under the Vol (theft) guarantee, available from Formule 2. Vandalism not consecutive to theft/attempted theft is covered only under the Dommages tous accidents guarantee, available only in Formule 3.

[147] Roadside assistance: Covered ↩

Included in all formulas with no kilometric deductible. Covers breakdown/accident/fire towing (up to 160 EUR), taxi (up to 60 EUR), hotel accommodation for passengers, and related assistance services organised by Mondial Assistance France.

[148] Replacement vehicle: Covered ↩

Included via the base Assistance guarantee: category A/B (or equivalent) replacement vehicle for up to 3 consecutive days in case of breakdown (max 3 times/year), 8 days for accident/fire/theft-related repairs, and 30 days for theft. The optional Pack Mobilité upgrades the replacement vehicle to a maxi classe D category for 15 days (breakdown/accident/fire/repairs after theft) or 30 days (theft). The Tous risques premium formula extends replacement vehicle cover to 30 days for all events.

[149] Driver accident: €600,000 ↩

Covers bodily injury compensation for the driver of the insured vehicle up to 600,000 EUR, included in all formulas. The optional Pack Personne raises this to 1,200,000 EUR.