AXA Casco (own-damage car insurance) (Mon Auto)

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.

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.

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.

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.

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.

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').

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.