La Banque Postale Assurances IARD Casco (own-damage car insurance) (Casco Tous Risques)

Zero-deductible option available for experienced drivers across all-accident damage, theft, fire and climate event guarantees.

Driver personal accident protection included as standard in all three formulas (up to EUR 500,000), with an optional upgrade to EUR 1,000,000.

Bonus franchise: after 3 consecutive claim-free years, the first covered claim is handled without any damage deductible.

Optional purchase-value indemnity up to the vehicle's 3rd or 5th year, then increased expert value up to its 10th year (Tous risques formula).

Driver age and experience limit

Young drivers (licence held less than 3 years, never previously insured in their own name, or having retaken their licence after cancellation) are subject to a surcharge of 100% in year 1, 50% in year 2 and 25% in year 3. This surcharge is halved if a parent of the novice driver is already a La Banque Postale customer. Undeclared drivers who have held a licence for more than 3 years are subject to a supplementary excess of EUR 300; those with less than 3 years' experience face a EUR 1,500 supplementary excess and are not covered by the 'Protection Corporelle Plus' option.

Repair network requirements

No advance payment is required for repairs carried out within the approved garage network ('réseau de garages agréés'). Repairs outside the network are subject to normal indemnification procedures. Claim management for material damage is delegated to CELLINKS.

Anti-theft requirements

Theft coverage requires evidence of forced entry into a closed vehicle. Theft of the vehicle when left open or with keys available is not covered. Theft of separately insured wheels and tyres is covered up to EUR 1,500 provided they are fitted with anti-theft wheel nuts. A police report is mandatory. Indemnity may be reduced by 50% if required documents (e.g. original key duplicates) are not produced. Installation of approved security equipment (alarm, geolocation, window etching, reinforced locking) is recommended.

Claim notification deadline

Claims must be declared as promptly as possible. A 30-day calendar period is granted from contract inception to submit required supporting documents. Annual renewal occurs by tacit reconduction; cancellation must be notified by registered letter at least 2 months before the annual expiry date (Loi Chatel). After the first year, the policyholder may cancel at any time with one month's notice (Loi Hamon).

Deductible rules

Three options: (1) zero-deductible contract (reserved for non-novice drivers, applicable to all-accident damage, theft, fire/terrorism, and climate event guarantees); (2) contract with deductible at two progressive levels selectable at underwriting; (3) deductible waiver bonus: after 3 consecutive claim-free years, the policyholder pays no damage deductible on the first covered claim. Statutory franchise for natural disasters: EUR 380 (general) or EUR 1,520 (drought). Glass deductible applies separately and is not waived by the bonus franchise. Supplementary deductibles apply for undeclared drivers.

Direct payment

No advance payment required for repairs in the approved garage network; the insurer pays the repair shop directly.