Crédit Agricole Assurances
Crédit Agricole Assurances is a motor casco insurance for the FR market with online purchase and 24/7 assistance.
Direct payment
Pacifica settles repair costs directly with approved garages in its Assercar network when the insured opts for network repair. For other cases, indemnity is paid within 2 days following the amicable agreement or judicial decision. For natural disaster claims, payment is made within 3 months of the interministerial decree or submission of the damage estimate. The deductible always remains the insured's responsibility.
Geographic scope
FR
France métropolitaine, DROM (Guadeloupe, Martinique, Guyane, Réunion, Mayotte) pour l'ensemble des garanties ; États membres de l'UE pour les déplacements inférieurs à 3 mois (RC uniquement au-delà) ; pays tiers figurant sur la carte verte pour les séjours inférieurs à 3 mois. Catastrophes naturelles, technologiques et attentats exclusivement en France métropolitaine et DROM.
Coverage limits
Accidental damage
Covered
Covers repair costs for accidental damage to the insured vehicle regardless of whether a third party is identified, including single-vehicle accidents, parking damage, collisions with animals, and hail. Applies whether or not the insured is at fault.
SourceTotal loss – enhanced indemnification (Indemnisation+)
Covered
In the event of total loss (vehicle surrendered to Pacifica) or theft (vehicle not recovered within 30 days), indemnification is at purchase price for vehicles under 3 years old, or at expert-assessed value increased by 50% for vehicles over 3 years old, with a minimum indemnity of EUR 1,600 (within the purchase price limit). The Indemnisation+ option is included as standard in the Tous Risques Intégral formula.
SourcePartial loss / vehicle repair
Covered
Repair costs for partial damage to the insured vehicle resulting from any covered event (accident, fire, theft attempt, storm, etc.) are covered. Indemnity is capped at the vehicle's insured value at the time of loss. A deductible (franchise) applies per claim as specified in the confirmation of adhesion; the deductible is waived on the first at-fault claim after 3 consecutive claim-free and payment-incident-free years (Cadeau de franchise).
SourceTheft and robbery
Covered
Covers disappearance, destruction and deterioration of the vehicle resulting from theft or attempted theft, as well as vandalism. In case of total theft (vehicle not recovered within 30 days), the Indemnisation+ option applies. Theft by fraud, attempted fraud or breach of trust is excluded. The vehicle must have all access points locked when unattended.
SourceGlass breakage – no deductible
Covered
Covers accidental breakage of windscreen, windows, and other glazed surfaces of the vehicle. No deductible (franchise) applies in the Tous Risques Intégral formula. This is a key distinguishing feature of this tier compared to lower formulas.
SourceNatural perils (storm, hail, snow, natural disasters, flooding)
Covered
Covers material damage to the insured vehicle caused by storm, hail, snow/ice weight, as well as losses classified as natural disasters (catastrophes naturelles) following an interministerial decree, and technological disasters (catastrophes technologiques). A statutory deductible fixed by law applies for natural disaster events and cannot be waived. Available exclusively in France métropolitaine and DROM for natural and technological disasters.
SourceVandalism
Covered
Covers deliberate damage to the insured vehicle (vandalism) as well as damage caused by attempted theft. Included within the Vol et Vandalisme guarantee. Vandalism committed by the policyholder or a household member is excluded.
SourceRoadside assistance from 0 km (Assistance+)
Covered
Vehicle assistance from 0 km of the insured's usual residence for breakdown, accident, fire, theft or attempted theft, fuel error or breakdown, puncture, or lost/broken/locked-in/stolen keys. Person assistance available from 50 km of the home. SOS breakdown and second diagnosis service also included. This 0 km vehicle assistance is included as standard in the Tous Risques Intégral formula and is a key differentiator versus lower-tier formulas where panne assistance only starts from 25 km.
SourceReplacement vehicle
Covered
A rental or loan 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. Included as standard in the Tous Risques Intégral formula.
SourceDriver bodily injury protection (Protection corporelle du conducteur)
Covered
Covers bodily injury sustained by the driver in the event of an insured accident, without any deductible and without any minimum disability threshold (no seuil d'intervention). The indemnity covers loss of professional income, assistance by a third party, adapted accommodation/vehicle costs, permanent functional deficit, pain and suffering, and aesthetic damage. The guarantee also extends to borrowed or rented vehicles and cycling accidents. Two sources conflict on the maximum indemnity cap: the NPC regional memo (2016) states EUR 1,000,000, while the current official CA simulation page and independent expert sources confirm the current cap is EUR 2,000,000.
SourceKey conditions
driver_age_experience_limit
No minimum driver age or minimum driving experience is specified as a general exclusion in the Tous Risques Intégral formula. However, drivers who do not hold a valid licence required for the vehicle class are excluded. Young drivers (under 31 years old with less than 2 years of licence) may be subject to a first-year surcharge. Secondary drivers using the vehicle regularly must be declared to the insurer.
repair_network_requirements
No obligation to use a specific repair network. However, if the insured chooses to use Pacifica's approved Assercar network, Pacifica settles repair costs directly with the garage, and repairs come with a lifetime guarantee. Outside the network, indemnity is paid to the insured after assessment.
territorial_scope
Coverage applies in metropolitan France, French overseas departments and regions (Guadeloupe, Martinique, Guyane, La Réunion, Mayotte). For displacements of less than 3 months: all EU member states, Vatican, San Marino, Monaco, Liechtenstein, and other states not crossed off on the international insurance card (carte verte). For displacements over 3 months within the EU: third-party liability (RC) only. Natural and technological disaster guarantees apply exclusively in metropolitan France and DROM.
anti_theft_requirements
The vehicle must have all access points (doors, sunroof, boot) locked and windows closed whenever the vehicle is left unattended. If the vehicle contains professional goods, it must be garaged in a fully covered, enclosed and locked garage overnight. Failure to comply with these prevention measures results in the claim being declined for theft. If the vehicle is equipped with a declared NEXECUR remote-monitoring system that is armed and operational, the theft deductible is waived.
claim_notification_deadline
Claims must be reported as soon as the insured becomes aware of the loss and at the latest within: 5 working days for all guarantees except theft/vandalism and natural disasters; 2 working days for theft and vandalism (a police or gendarmerie report must also be filed); 10 working days following publication of the interministerial decree for natural disaster claims. Failure to comply may result in reduction of the indemnity proportional to the prejudice caused to Pacifica.
deductible_rules
A deductible (franchise) applies per claim; the exact amount is specified in the confirmation of adhesion and varies by vehicle type, value and guarantee: typically EUR 200 to EUR 750 for storm, hail, snow, fire, theft, vandalism and accidental damage. No deductible applies on glass breakage (bris de glace) or on the vehicle content guarantee in the Tous Risques Intégral formula. The statutory deductible for natural disaster claims is fixed by law and cannot be waived or bought back. After 3 consecutive full years (anniversary to anniversary) without any claim and without any payment incident, the deductible is waived on the first at-fault covered claim (Cadeau de franchise) — this benefit does not apply to the natural disaster statutory deductible. The deductible can also be eliminated entirely via the optional Rachat de franchise rider (excluding statutory deductibles).
Policy specifics
Glass breakage without deductible
Coverage for windscreen and glass damage with no deductible applied
Enhanced indemnification
Option providing increased reimbursement value at purchase price for vehicles under 3 years; 50% enhancement for older vehicles
Vehicle content coverage
Coverage for personal effects, baggage, portable GPS units, and removable DVD players transported in the vehicle
Assistance Plus included
Assistance service from 0km for any cause with replacement vehicle available (12 days for breakdown/accident, 30 days for theft)
Zero deductible for uninsured motorist liability
Responsibility liability coverage applied without deductible to cover third-party damages
Driver bodily injury protection up to 2 million EUR
Driver protection covering bodily injury with no deductible and no minimum injury threshold; extends to borrowed/rented vehicles and cycling
Accidental damage coverage
Comprehensive coverage for accidental vehicle damage whether third-party is identified or not; includes solo-caused damage
Deductible waived after 3 claim-free years
Deductible eliminated on first at-fault claim if policyholder has 3 consecutive years without claims and payment incidents
Theft and vandalism coverage
Coverage for vehicle theft and deliberate damage/vandalism with specified deductible amounts