Crédit Agricole Casco (own-damage car insurance) (Assurance Automobile Tous Risques)
Underwritten by Pacifica · France
casco (own-damage car insurance) from Crédit Agricole for the France market, with 24/7 assistance.
Last verified Aug 29, 2026Sources
Unique selling points
Vehicle assistance applies from 0 km of the home address for accident, fire and theft/attempted theft.
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 and baggage, removable GPS and DVD player) up to €1,000.
Coverage limits
Own vehicle damage (all-accident cover)
Covered
Accidental damage to the insured vehicle, including hail, is covered under both the Tous Risques Initial and Tous Risques Intégrale formulas; indemnities cannot exceed the value of the vehicle, less the deductible shown in the membership confirmation.
Section: ASSURANCE AUTOMOBILE > DOMMAGES AUX BIENS; GARANTIE(S) COMPLEMENTAIRE(S)
Les dommages accidentels, la grêle. […] Panne + : indemnisation des réparations (pièces et main-d’œuvre selon le barème constructeur, y compris les frais de diagnostic) du véhicule assuré en cas de panne électronique, mécanique et électrique d’origine aléatoire (à l’exception des exclusions mentionnées dans vos conditions générales).
Total loss / theft indemnification (Indemnisation+)
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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.
Section: ASSURANCE AUTOMOBILE > DOMMAGES AUX BIENS
L'indemnisation+ : en cas de vol (véhicule non retrouvé dans les 30 jours) ou de perte totale du véhicule (véhicule cédé à Pacifica), indemnisation en valeur d'achat pour les véhicules de moins de 3 ans, et en valeur à dire d'expert majorée de 50 % pour les véhicules de plus de 3 ans, avec un minimum d'indemnisation de 1 600 € (dans la limite de la valeur d'achat.)
Partial damage repair cover
Covered
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
Theft and vandalism of the insured vehicle are covered under both Tous Risques formulas. Under Tous Risques Intégrale (and under Initial only with the Indemnisation+ option), a vehicle stolen and not recovered within 30 days is indemnified at purchase value (up to 3 years) or expert value + 50% (over 3 years), with a minimum of €1,600 within the purchase value. Cover does not apply if not all access points of the vehicle were locked.
Section: ASSURANCE AUTOMOBILE > GARANTIE(S) COMPLEMENTAIRE(S)
Si vous avez souscrit l’option et qu’elle est portée sur votre confirmation d’adhésion : Indemnisation+ : en cas de vol (véhicule non retrouvé dans les 30 jours) ou de perte totale du véhicule (lorsque le véhicule est cédé à PACIFICA), indemnisation en valeur d’achat pour les véhicules jusqu’à 3 ans, et en valeur à dire d’expert majorée de 50 % pour les véhicules de plus de 3 ans, avec un minimum d’indemnisation de 1 600 € (dans la limite de la valeur d’achat).
Glass breakage
Covered
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.
Section: ASSURANCE AUTOMOBILE > DOMMAGES AUX BIENS
Le bris de glaces sans franchise.
Natural catastrophe, technological catastrophe and terrorism cover
Covered
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.
Section: Y A-T-IL DES EXCLUSIONS À LA COUVERTURE ? > Franchises
Catastrophe Naturelles, technologiques et attentats : Franchise légale fixée par arrêté interministériel. […] Sauf pour les garanties Catastrophes Naturelles, Catastrophes Technologiques et Attentats hors France Métropolitaine.
Vandalism
Covered
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.
Section: Y A-T-IL DES EXCLUSIONS À LA COUVERTURE ? > Franchises
Tempête, Grêle, Neige, Incendie, Vol, Vandalisme, Dommages accidentels : Franchise de 200 € à 750 € en fonction du véhicule.
Vehicle roadside assistance
Conditional
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.
Section: ASSURANCE AUTOMOBILE > ASSISTANCE PRÉVUE DANS VOTRE CONTRAT
L'assistance aux véhicules dès 0 km du domicile habituel en cas d'accident, d'incendie, de vol ou de tentative de vol, et dès 25 km en cas de panne.
Replacement vehicle
Conditional
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.
Section: ASSURANCE AUTOMOBILE > ASSISTANCE PRÉVUE DANS VOTRE CONTRAT
Un véhicule de location jusqu'à 12 jours en cas de panne, accident, incendie, tentative de vol, et jusqu'à 30 jours en cas de vol.
Key conditions
Driver age and experience limit
Damage is excluded when the driver of the insured vehicle is under the required age or does not hold a valid licence for the vehicle.
SourcePage 1Section: Y A-T-IL DES EXCLUSIONS À LA COUVERTURE ? > PRINCIPALES EXCLUSIONS
Les dommages survenus lorsque le conducteur du véhicule assuré n’a pas l’âge requis ou n’est pas titulaire des permis en état de validité exigés pour la conduite du véhicule.
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.
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').
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.
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.
Documents
Policy specifics
Driver bodily protection
Coverage for driver bodily injury with no deductible and no threshold, up to 1 million euros
SourcePage 1Section: ASSURANCE AUTOMOBILE > PROTECTION DES PERSONNES
La protection corporelle du conducteur, sans franchise et sans seuil d'intervention, jusqu'à 1 million d'euros.
Vehicle assistance from 0 km
Roadside assistance available from 0 km of home address in case of accident, fire, theft or attempted theft
SourcePage 1Section: ASSURANCE AUTOMOBILE > ASSISTANCE PRÉVUE DANS VOTRE CONTRAT
L'assistance aux véhicules dès 0 km du domicile habituel en cas d'accident, d'incendie, de vol ou de tentative de vol, et dès 25 km en cas de panne.
All-accident indemnification
Coverage for accidental damage to vehicle regardless of fault; includes theft, vandalism, fire, hail, glass breakage, natural disasters
SourcePage 1Section: ASSURANCE AUTOMOBILE > DOMMAGES AUX BIENS
Les dommages aux biens de votre contrat comprennent : Le bris de glaces sans franchise. Les catastrophes naturelles. Les catastrophes technologiques. Les attentats. L'incendie, la tempête. Le vol, le vandalisme. Les dommages accidentels, la grêle.
Breakdown 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
SourcePage 1Section: ASSURANCE AUTOMOBILE > GARANTIE(S) COMPLEMENTAIRE(S)
Panne + : indemnisation des réparations (pièces et main-d'œuvre selon le barème constructeur, y compris les frais de diagnostic) du véhicule assuré en cas de panne électronique, mécanique et électrique d'origine aléatoire (à l'exception des exclusions mentionnées dans vos conditions générales).
Unlimited 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; vehicles with a purchase value above €130,000 are not insured; taxis, ambulances and other special-use or competition vehicles are excluded.
SourcePage 1Section: De quel type d’assurance s’agit-il ?
Le contrat assurance automobile a pour but premier de garantir le conducteur d’un véhicule automobile, dont le poids total en charge n’excède pas 3,5 tonnes ayant son lieu de garage en France métropolitaine ou dans les DROM, contre les conséquences des dommages matériels ou corporels causés par son véhicule à un tiers. […] Les véhicules à usages spéciaux (taxi, ambulance…) et sportifs (compétition).
Locking 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
SourcePage 1Section: Y A-T-IL DES EXCLUSIONS À LA COUVERTURE ? > PRINCIPALES RESTRICTIONS
Le vol en cas de non-verrouillage de tous les accès du véhicule.
Minimum total loss indemnification
Minimum indemnification of 1,600 euros applies in case of vehicle theft (not recovered within 30 days) or total loss
SourcePage 1Section: ASSURANCE AUTOMOBILE > DOMMAGES AUX BIENS
avec un minimum d'indemnisation de 1 600 € (dans la limite de la valeur d'achat.)
Indemnification valuation method
Indemnification based on purchase value for vehicles up to 3 years old; for older vehicles, expert valuation increased by 50%
SourcePage 1Section: ASSURANCE AUTOMOBILE > GARANTIE(S) COMPLEMENTAIRE(S)
Indemnisation+ : en cas de vol (véhicule non retrouvé dans les 30 jours) ou de perte totale du véhicule (lorsque le véhicule est cédé à PACIFICA), indemnisation en valeur d'achat pour les véhicules jusqu'à 3 ans, et en valeur à dire d'expert majorée de 50 % pour les véhicules de plus de 3 ans, avec un minimum d'indemnisation de 1 600 € (dans la limite de la valeur d'achat).
Franchise waiver gift
After 3 full years without claims or payment incidents, policyholder's deductible is waived on first eligible claim
SourcePage 1Section: ASSURANCE AUTOMOBILE > CADEAU DE FRANCHISE
Après 3 années pleines d'échéance à échéance sans sinistre et sans incident de paiement, nous vous offrons la franchise en cas de sinistre garanti.
Replacement vehicle rental
Rental vehicle for up to 12 days in case of breakdown, accident, fire or attempted theft, and up to 30 days in case of theft (Assistance+ option under Tous Risques Initial; included under Tous Risques Intégrale).
SourcePage 1Section: ASSURANCE AUTOMOBILE > GARANTIE(S) COMPLEMENTAIRE(S)
véhicule de location jusqu'à 12 jours en cas de panne, accident, incendie, tentative de vol, et jusqu'à 30 jours en cas de vol
Vehicle contents coverage
Personal effects, baggage, removable GPS and similar items inside vehicle covered up to 1,000 euros maximum (Integral formula only)
SourcePage 1Section: ASSURANCE AUTOMOBILE > DOMMAGES AUX BIENS
Le contenu du véhicule (avec un plafond de 1 000 € maximum) : effets et bagages personnels, GPS amovibles, lecteur de DVD amovible.
Legal defense and recovery
Legal defence and recovery (Sauvegarde de vos droits et de ceux de vos victimes): ceiling of €3,812, no deductible.
SourcePage 1Section: Les garanties systématiquement prévues
Sauvegarde de vos droits et de ceux de vos victimes : Plafond de 3 812 € et pas de franchise.
Sources
- assets.ctfassets.nethttps://assets.ctfassets.net/fibwf3huac2r/7acV6AZpY4vt2CHhoCx813/3086f7959e1ddb3a7c76634431b09b26/7258R.39_CG_AUTO_MFS_122023-BD.pdf(opens in a new tab)
- credit-agricole.frhttps://www.credit-agricole.fr/content/dam/assetsca/cr861/npc/documents/memos/particuliers/Assurance_Auto_Tous_Risques_Integral.pdf#page=1(opens in a new tab)
- credit-agricole.frhttps://www.credit-agricole.fr/content/dam/assetsca/cr861/npc/documents/memos/particuliers/Assurance_Automobile_Tous_Risques_Initial.pdf#page=1(opens in a new tab)
- credit-agricole.frhttps://www.credit-agricole.fr/content/dam/assetsca/master/public/commun/documents/ass_auto_2019.pdf#page=1(opens in a new tab)
Crédit Agricole Casco (own-damage car insurance)