Crédit Agricole Assurances
Crédit Agricole
Crédit Agricole is a motor casco insurance for the France market with no online purchase and 24/7 assistance.
Direct payment
According to Crédit Agricole's official auto insurance information, when the insured uses an approved/network garage, the insurer pays the repairer directly for the portion covered by the contract, and the policyholder only pays the remaining deductible (franchise) directly to the garage when the vehicle is returned.
Geographic scope
France (metropolitan France and overseas departments/regions)
Cover applies in metropolitan France and the French overseas departments/regions (DROM), and throughout the EU and the United Kingdom for the life of the contract (beyond 3 months abroad, only the civil liability guarantee remains in force); for trips under 3 months, cover also extends to Vatican City, San Marino, Monaco, Liechtenstein and other non-EU states shown on the green card; Natural Catastrophe, Technological Catastrophe and Terrorism cover is limited to metropolitan France.
Unique selling points
- Vehicle assistance applies from 0 km of the home address for accident, fire and theft/attempted theft, rather than the higher distance thresholds commonly applied by competitors.
- Driver bodily injury protection is included with no deductible and no invalidity threshold for intervention, up to a high ceiling.
- Glass breakage is covered with no deductible in both comprehensive formulas.
- After 3 full claim-free years, the policyholder's deductible is waived as a loyalty reward ('cadeau de franchise') on the next covered claim.
- The Tous Risques Intégrale formula includes vehicle contents cover (personal effects, removable GPS) up to €1,000, a benefit many insurers charge separately for.
Coverage limits
Own vehicle damage (all-accident cover)
Covered
Only in Tous Risques Initial, Tous Risques Intégrale
Accidental damage to the insured vehicle, whatever the driver's degree of responsibility, is covered under both the Tous Risques Initial and Tous Risques Intégrale formulas, including collision, overturning and hail; claims are settled on the manufacturer's price scale for parts and labour, up to the vehicle's actual value, with no fixed monetary ceiling stated.
Total loss / theft indemnification (Indemnisation+)
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Only in Tous Risques Initial (option), Tous Risques Intégrale (included)
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.
Partial damage repair cover
Covered
Only in Tous Risques Initial, Tous Risques Intégrale
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.
Theft and attempted theft
Covered
Only in Tous Risques Initial, Tous Risques Intégrale
Theft and vandalism of the insured vehicle are covered under both Tous Risques formulas; if the vehicle is stolen and not recovered within 30 days, the guaranteed minimum indemnity is €1,600, calculated on purchase value (<3 years) or expert value plus 50% (>3 years). Cover does not apply if not all access points of the vehicle were locked at the time of the theft.
Glass breakage
Covered
Only in Tous Risques Initial, Tous Risques Intégrale
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.
Natural catastrophe, technological catastrophe and terrorism cover
Covered
Only in Tous Risques Initial, Tous Risques Intégrale
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.
Vandalism
Covered
Only in Tous Risques Initial, Tous Risques Intégrale
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.
Vehicle roadside assistance
Conditional
Only in Tous Risques Initial (25km for breakdown; Assistance+ option for 0km), Tous Risques Intégrale (0km included for all events)
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.
Replacement vehicle
Conditional
Only in Tous Risques Initial (Assistance+ option), Tous Risques Intégrale (included)
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.
Key conditions
Driver age and experience limit
No specific minimum age or driving-experience threshold is stated in the reviewed official documents; general exclusions apply if the driver is not of the legal age required or does not hold a valid driving licence for the vehicle category.
Repair network requirements
Not specified in the reviewed official Crédit Agricole/Pacifica documents.
Territorial scope
Cover applies in metropolitan France and the French overseas departments/regions (DROM), and throughout the EU and the United Kingdom for the life of the contract (beyond 3 months abroad, only the civil liability guarantee remains in force); for trips under 3 months, cover also extends to Vatican City, San Marino, Monaco, Liechtenstein and other non-EU states shown on the green card; Natural Catastrophe, Technological Catastrophe and Terrorism cover is limited to metropolitan France.
Anti-theft requirements
Theft cover does not apply if not all access points (doors, sunroof, boot) of the vehicle were locked at the time of the theft.
Claim notification deadline
Claims must be reported within the conditions and time limits set out in the policy's general terms; precise day-counts are not detailed in the official summary documents reviewed.
Deductible rules
A deductible set out in the membership confirmation applies depending on the claim and guarantee. Per the official product information document, storm/hail/snow/fire/theft/vandalism/accidental-damage claims carry a deductible of €200 to €750 depending on the vehicle, natural/technological catastrophe claims carry the legal deductible fixed by ministerial order, and glass breakage carries no deductible. After 3 full claim-free years, the deductible is waived on the next covered claim ('cadeau de franchise').
Where to buy
Policy specifics
Driver bodily protection
Coverage for driver bodily injury with no deductible and no threshold, up to 1 million euros
SourceVehicle assistance from 0 km
Roadside assistance available from 0 km of home address in case of accident, fire, theft or attempted theft
SourceAll-accident indemnification
Coverage for accidental damage to vehicle regardless of fault; includes theft, vandalism, fire, hail, glass breakage, natural disasters
SourceBreakdown Plus optional coverage
Optional mechanical breakdown indemnification for parts and labor according to manufacturer rates, including diagnosis fees, for random electronic, mechanical, or electrical failures
SourceUnlimited civil liability
Mandatory third-party liability coverage with unlimited bodily damage and up to 100 million euros for material damage
SourceVehicle eligibility criteria
Eligible vehicles must have a gross vehicle weight not exceeding 3.5 tonnes and be garaged in metropolitan France or the DROM; the purchase value must not exceed €150,000; taxis, ambulances and other special-use or competition vehicles are excluded.
SourceSource no longer reachableLocking requirement for theft cover
Theft is excluded from cover if not all access points of the vehicle were locked at the time of the theft
SourceSource no longer reachableMinimum total loss indemnification
Minimum indemnification of 1,600 euros applies in case of vehicle theft (not recovered within 30 days) or total loss
SourceIndemnification valuation method
Indemnification based on purchase value for vehicles up to 3 years old; for older vehicles, expert valuation increased by 50%
SourceFranchise waiver gift
After 3 full years without claims or payment incidents, policyholder's deductible is waived on first eligible claim
SourceReplacement vehicle rental
Rental vehicle provision for up to 12 days in case of breakdown, accident, fire or attempted theft; up to 30 days for total loss
SourceVehicle contents coverage
Personal effects, baggage, removable GPS and similar items inside vehicle covered up to 1,000 euros maximum (Integral formula only)
SourceLegal defense and recovery
Coverage for legal costs and recovery up to 4,000 euros (standard) for penalties incurred due to vehicle liability
Source