AXA France (AXA France Vie S.A. / AXA France IARD S.A.)

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.

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.

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.

AXA's Mon Auto glass-breakage guarantee is included from the entry-level Tiers Essentielle formula upward. <cite index="3-10">Le bris de glace est couvert dès le Tiers Essentielle, le vol et l'incendie dès le Tiers Étendue, le vandalisme et les dommages tous accidents à partir du Tous risques Essentielle.</cite> A notable strength is that <cite index="8-1,8-2">la garantie bris de glace est assez performante, même si les feux arrière sont exclus, et l'absence systématique de franchise si réparation est un bon point</cite>, meaning simple crack/chip repairs are typically free of deductible while full glass replacement (e.g., windshield) does carry a deductible. Per the official general conditions, <cite index="7-2">le montant de la franchise applicable est indiqué aux Conditions particulières</cite>, so the exact euro amount is policy-specific and shown on the individual's Conditions Particulières/premium notice rather than fixed in the general terms. Market comparisons place AXA's typical windshield-replacement deductible around <cite index="13-2">AXA 150€</cite>, compared with 0–180€ industry-wide. AXA also offers an optional add-on to waive this deductible entirely: <cite index="37-1,37-2">Axa propose une option permettant de supprimer la franchise en cas de remplacement du pare-brise ou d'autres éléments vitrés, évitant de débourser la moindre somme lors d'un impact</cite>. Most contracts also apply a soft annual frequency guard rather than a hard cap: <cite index="12-1,12-2">sur de nombreux contrats AXA, vous avez jusqu'à 3 bris de glace par an ou un plafond annuel de prise en charge; vérifiez vos conditions particulières avant de solliciter un quatrième passage</cite>.

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.

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.