Avanssur SA (trading as Direct Assurance)
Direct Assurance
Direct Assurance is a motor casco insurance for the France market with online purchase and 24/7 assistance.
Direct payment
If repairs are carried out at a Direct Assurance partner garage, the insurer settles the repair costs directly with the garage up to the amount of indemnification due; if repaired at a non-partner garage, the policyholder pays the garage directly and is reimbursed on presentation of the paid invoice, unless a claim assignment (cession de créance) is arranged.
Geographic scope
Metropolitan France and French overseas departments/territories (DROM-COM)
For own-damage guarantees (other than Assistance), cover applies in Metropolitan France and the DROM-COM; for stays not exceeding 3 consecutive months it extends to EU/EEA countries and other listed multilateral-agreement signatory and non-signatory countries (international insurance certificate required for the latter).
Unique selling points
- "Bonus 50, bonus toujours": policyholders who have held 50% bonus for 3 years with no claims for 2 years keep their 50% bonus even after a future at-fault accident.
- Supervised/accompanied learner drivers are covered free of charge with no additional deductible when designated on the contract.
- Deductibles can be paid in three interest-free instalments, subject to eligibility conditions.
- Home service available on all formulas: the partner garage collects the damaged vehicle, leaves a courtesy car, and returns the repaired and washed vehicle.
- Tous Risques Maxi extends new-value (purchase price) compensation for a new vehicle to 48 months, versus 12 months in the other formulas.
Coverage limits
All-accidents own-damage cover (Dommages Tous Accidents)
Conditional
Only in Tous Risques, Tous Risques Maxi
Covers damage to the insured vehicle from any accident (at-fault, non-identified third party, vandalism) regardless of responsibility, indemnified up to the vehicle's value on the day of the loss, capped at its purchase price. Only available in the Tous Risques and Tous Risques Maxi formulas.
Total loss / vehicle write-off indemnification
Conditional
Only in Tiers Maxi, Tous Risques, Tous Risques Maxi
If the vehicle is declared a total loss or stolen and not recovered, indemnification is 100% of its value at the date of loss (capped at purchase price), less the applicable deductible, under Tous Risques and Tous Risques Maxi regardless of fault; under Tiers Maxi it applies only when triggered by a covered peril (theft, fire, weather, nat-cat).
Partial (repairable) damage cover
Conditional
Only in Tiers Maxi, Tous Risques, Tous Risques Maxi
Repair costs are reimbursed up to the cost of parts and labour based on the insurer's pricing tools; for perils covered from Tiers Maxi upward (fire, theft, glass, weather/nat-cat) repairs are covered from that tier, while repairs following any accident (Dommages Tous Accidents) are covered only from Tous Risques upward.
Theft and attempted theft
Conditional
Only in Tiers Maxi, Tous Risques, Tous Risques Maxi
Indemnifies the value of a stolen and unrecovered vehicle, or repair costs for damage between theft and recovery, capped at the vehicle's value at the time of theft (limited to purchase price); requires proof the vehicle was locked/alarmed or theft involved violence against the driver. Available from Tiers Maxi upward.
Glass breakage
Conditional
Only in Tiers Maxi, Tous Risques, Tous Risques Maxi
Covers repair or replacement of windscreen, rear window and side windows (plus front lights and glass roof under Tous Risques Maxi). Repair indemnification is capped at 100 EUR per claim regardless of number of impacts; replacement is reimbursed at cost of parts and labour. Available from Tiers Maxi upward.
Natural catastrophes, storms and technological disasters
Conditional
Only in Tiers Maxi, Tous Risques, Tous Risques Maxi
Covers direct material damage from officially declared natural catastrophes, exceptional weather events (storm/hail/snow) and technological disasters, capped at vehicle value; a fixed 380 EUR deductible applies to nat-cat and storm claims. Available from Tiers Maxi upward.
Vandalism
Conditional
Only in Tous Risques, Tous Risques Maxi
Vehicle fire caused by an act of vandalism is covered from Tiers Maxi upward under the Fire guarantee; general (non-fire) vandalism damage, such as scratches or dents with no identified responsible party, is only covered under Dommages Tous Accidents in the Tous Risques and Tous Risques Maxi formulas, subject to a police report.
24/7 roadside assistance and towing
€185
Towing/breakdown costs are reimbursed up to 185 EUR per trip; assistance applies from 0 km from home for accident, theft or fire, and from 50 km from home for breakdown or puncture in the base formulas. Extended 0 km assistance for breakdown, punctures, lost/broken/stolen keys and EV charging failure is included in Tous Risques Maxi and optional (with a 30-day waiting period) in the other three formulas.
Replacement / courtesy vehicle
Covered
A replacement vehicle at a partner garage during repairs is included in all four formulas. Extended replacement vehicle (available within 24h also for breakdown, theft or an irreparable vehicle) is included in Tous Risques Maxi and optional in the other formulas, for 7 days (breakdown, max 2/year), 15 days (accidental damage or write-off) or 30 days (unrecovered theft), durations not cumulative.
Personal driver injury guarantee (Garantie Personnelle du Conducteur)
€400,000 – €1,500,000
Indemnifies the driver's bodily injury (or death benefits to heirs) when at least partly responsible for the accident, once permanent impairment (AIPP) exceeds 10%. The cap is 400,000 EUR in Tiers, Tiers Maxi and Tous Risques, and 1,500,000 EUR in Tous Risques Maxi (or via the Protection Personnelle / Assistance étendue 0km options in the other formulas).
Key conditions
Driver age and experience limit
Cover is excluded if, at the time of the loss, the driver did not hold the required age or a valid driving licence for the vehicle category; an additional deductible of 1,500 EUR applies if an occasional (undesignated) driver cannot prove uninterrupted insurance as a main driver over the previous 2 years.
Repair network requirements
The included courtesy vehicle during repairs is provided only when repairs are carried out at a Direct Assurance partner garage; the extended replacement-vehicle option allows free choice of garage but at a higher cost and via rental agency partners.
Territorial scope
Own-damage guarantees apply in Metropolitan France and the DROM-COM, and for stays not exceeding 3 consecutive months extend to EU/EEA and other listed multilateral-agreement countries (an international insurance certificate is required for non-signatory countries).
Anti-theft requirements
Theft cover requires that the vehicle was locked with the alarm/anti-start system engaged when stolen without use of the vehicle's own unlocking devices, or that the theft involved violence against the driver/keeper; failing to follow recommended anti-theft precautions can result in denial of cover.
Claim notification deadline
Claims must be declared within 2 business days for theft, 30 business days for natural catastrophes (from the ministerial order), and 5 business days for other claims, from the moment the insured became aware of the event.
Deductible rules
The deductible amount is set out in the Conditions Personnelles and is revisable at each renewal; no deductible applies for windscreen repair (resin injection), but a 25% deductible applies to glass replacement unless Tous Risques Maxi or the Zero Deductible Glass option is held; deductibles can be paid interest-free in three instalments subject to eligibility.
Where to buy
Policy specifics
Guaranteed vehicle replacement
A replacement vehicle is provided within 24 hours in case of accident, theft, vandalism or when the vehicle is deemed irreparable
SourceBreakdown and roadside assistance coverage
Towing and assistance services available at 0 km from home after accident, theft or vandalism; standard assistance covers only beyond 50 km from home for regular breakdowns
SourceGlass coverage with zero deductible option
In case of windshield replacement or repair, a zero deductible glass option is available to avoid deductible charges
SourceDriver personal injury coverage
Covers medical expenses and disability/death benefits when the driver is both responsible and victim of an accident; base limit of 400,000 € can be increased to 1,500,000 € in Tous Risques Maxi
SourceRepair network restriction
Vehicle replacement loan is conditioned on choice of approved repair shop partner; replacement vehicle available only when repaired at partner network
SourceVehicle indemnification valuation method
For new vehicles: reimbursement at purchase price for first 6 months, then valuation by expert (depreciation deducted). For Tous Risques Maxi: purchase price valuation extends for 4 years
SourceBreakdown coverage waiting period
A 30-day waiting period applies to breakdown assistance coverage
Source