Altima Assurances
Altima
Altima is a motor casco insurance for the France market with online purchase and 24/7 assistance.
Direct payment
The policyholder retains full freedom to choose their own repairer for covered damage; the insurer can supply a list of approved repairers on request but is not obliged to pay them directly. Indemnities are otherwise paid to the insured within 15 days of an amicable agreement on the amount or a final court decision.
Geographic scope
Mainland France (including Corsica), Martinique, Guadeloupe, Réunion, EEA member states, and additional listed countries
Coverage applies in mainland France (including Corsica), Martinique, Guadeloupe and Réunion, throughout the EEA member states, in Bosnia-Herzegovina, the UK, Montenegro, Andorra, Serbia and Switzerland, and in Albania, Azerbaijan, Morocco, Moldova, North Macedonia, Tunisia, Turkey and Ukraine subject to prior insurer agreement and presentation of the international green card. Terrorism and natural/technological catastrophe cover applies only to damage sustained in mainland France, Martinique, Guadeloupe and Réunion.
Unique selling points
- Full freedom to choose any repairer for covered damage, with no obligation to use an approved network.
- Enhanced indemnification option extends purchase-value reimbursement up to 60 months for loyal Tous risques customers.
- Guaranteed minimum indemnity of €2,000 for a written-off or unrecovered stolen vehicle, regardless of the expert-assessed value.
- Roadside breakdown assistance available from 0 km from home, including at the policyholder's own residence.
- 24/7 assistance helpline reachable both from France and from abroad.
Coverage limits
Own damage (accidental damage, collision, rollover)
Conditional
Only in Tous risques
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.
Total loss / theft not recovered indemnification
Conditional
Only in Tiers +, Tous risques
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.
Partial loss / repairable vehicle damage
Conditional
Only in Tiers +, Tous risques
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.
Theft and attempted theft
Conditional
Only in Tiers +, Tous risques
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.
Windscreen and glass breakage
Conditional
Only in Tiers +, Tous risques
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.
Natural catastrophe, technological catastrophe and weather events
Conditional
Only in Tiers +, Tous risques
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.
Vandalism
Conditional
Only in Tous risques
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.
Roadside assistance (breakdown and towing)
€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.
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.
Driver bodily injury protection
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.
Key conditions
Driver age and experience limit
The contractual deductible is tripled when the vehicle is driven by an occasional driver who has held a driving licence for less than 2 years, except when driven by the policyholder's spouse or a child who completed the Apprentissage Anticipé de la Conduite.
Repair network requirements
The policyholder retains full freedom to choose their own repairer for any covered damage; the insurer can provide a list of approved repairers on request, but there is no obligation to use them.
Territorial scope
Coverage applies in mainland France (including Corsica), Martinique, Guadeloupe and Réunion, throughout the EEA member states, in Bosnia-Herzegovina, the UK, Montenegro, Andorra, Serbia and Switzerland, and in Albania, Azerbaijan, Morocco, Moldova, North Macedonia, Tunisia, Turkey and Ukraine subject to prior insurer agreement and presentation of the green card; terrorism and natural/technological catastrophe cover applies only to damage sustained in mainland France, Martinique, Guadeloupe and Réunion.
Anti-theft requirements
To be covered for theft, no key or electronic card must have been left in, on or under the vehicle, doors and other openings must have been locked, and the vehicle must be fitted with an SRA-approved 4-star (or 6/7-key rated) electric/electronic anti-theft device; when the vehicle is recovered, cover only applies if the expert finds evidence of forced entry enabling the vehicle to be started and driven.
Claim notification deadline
Claims must be reported within 2 working days in case of theft, within 30 days of publication of the interministerial decree for natural catastrophe claims, and within 5 working days for all other claims; theft or attack claims also require a police report filed within 48 hours.
Deductible rules
A contractual deductible (amount stated in the Conditions Particulières) applies per event to damage claims; it is tripled if the vehicle is driven by an occasional driver holding a licence for less than 2 years; a specific deductible applies to glass breakage but indemnification is full if the element is repaired rather than replaced; for natural catastrophe claims the deductible is set by regulation (currently €380 for motor vehicles, or the contractual deductible if higher for professional-use vehicles); no deductible applies to technological catastrophe claims or to transported-goods claims.
Documents
General Terms and Conditions – Altima Automobile Insurance (Feb 2025 edition)
Terms & conditions
Table of formulas and guarantees by tier (Tiers / Tiers + / Tous risques)
Table of benefits
Notice d'information + General Terms and Conditions – Altima Automobile Insurance (Jan 2024 edition)
Terms & conditions
General Terms and Conditions – Altima Automobile Insurance (2020 edition, Tiers Simple/Tiers Plus/Tous Risques)
Terms & conditions
Insurance Product Information Document – Altima Automobile Insurance
IPID
Policy specifics
Enhanced indemnification
Optional guarantee for all-risks formula providing replacement value coverage for vehicles under 4 years old
SourceFinancial loss coverage
Optional guarantee accessible only in all-risks formula covering the difference between outstanding financing and vehicle value in case of total loss
SourceLike-for-like replacement value reimbursement
Optional coverage for comprehensive formula offering replacement at purchase price for vehicles meeting age and mileage criteria
SourceWindscreen and glass breakage
Coverage for damage to vehicle glazing and windows; included or optional depending on formula
SourceTransported goods coverage
Optional coverage for personal belongings carried in the vehicle (clothing, luggage, documents) in case of insured event
SourceReplacement vehicle
Complimentary replacement vehicle provided in case of accident, theft, or breakdown; duration varies by formula and option
SourceRoadside assistance 0 km
Breakdown and roadside assistance included on all formulas; covers towing and repairs starting from customer's location
SourceDriver bodily injury coverage
Protection for driver bodily injuries included from third-party simple formula; can be extended with optional coverage up to 450,000 EUR
SourceCustomizable deductibles
Policyholders can select deductible amounts for various coverages according to their preferences and conditions particulières
SourceFree choice of repairer
Policyholders retain full freedom to choose their own repairer for covered damage repairs
SourceIndemnification by expert appraisal
Vehicle damage indemnification determined by independent expert assessment of market value rather than fixed or depreciated values
SourceClaim notification deadline
Policyholders must declare claims within specified timeframes (5 business days for general damage; 2 days for theft with police report)
SourceGeographic coverage zone
Coverage applies in mainland France and all EU member state territories, plus countries listed on green card; excludes disputed territories
SourceWar and terrorism exclusion
War, civil unrest, acts of terrorism, and combat-related damage are excluded except where expressly included for natural disasters
SourceIntentional misconduct exclusion
Coverage does not apply to damage resulting from intentional acts or willful misconduct of the insured
SourceElectric vehicle battery coverage
For electric and hybrid vehicles under lease or hire-purchase, battery damage coverage extends to batteries owned or separately contracted
Source