Pending review

Direct Assurance Casco (own-damage car insurance) (Assurance Auto)

Underwritten by AXA France IARD · France

casco (own-damage car insurance) from Direct Assurance for the France market, with online purchase and 24/7 assistance.

Verified Aug 29, 2026 · Terms dated 2026-02Sources

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Key facts

Direct Assurance

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

Conditional

All-accidents own-damage cover (Dommages Tous Accidents)

Conditional

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.

Clause Art. 4.8Page 9

Section: 2_LE CONTENU DES GARANTIES > Article 4 Les garanties dommages causés au véhicule et à son contenu > 4.8 Les Dommages tous accidents

les dommages subis par le véhicule assuré lorsque ces dommages résultent d’un choc avec un corps fixe ou mobile extérieur au véhicule assuré ou du versement du véhicule survenus au cours de la circulation et alors que le véhicule était sous la garde de l’Assuré ou de toute autre personne autorisée par celui-ci.

Conditional

Total loss / vehicle write-off indemnification

Conditional

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).

Page 10

Section: votre assurance auto en résumé > Comment est calculée votre indemnisation en cas de vol ?

Vol du véhicule non retrouvé Pas d’indemnisation 100% de la valeur du véhicule moins 100% de Franchise

Conditional

Partial (repairable) damage cover

Conditional

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.

Clause Art. 12.1Page 21

Section: ARTICLE 12 DÉTERMINATION DE L’INDEMNISATION > 12.1. Préjudices matériels

L’expert que nous missionnons évalue le coût des réparations et du remplacement des pièces détériorées en tenant compte des règles de l’art et de la réglementation, aux meilleures conditions économiques locales.

Conditional

Theft and attempted theft

Conditional

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.

Clause Art. 4.5.1Page 7

Section: ARTICLE 4 > 4.5. Le Vol ou la tentative de Vol du véhicule > 4.5.1. Vol du véhicule

Nous indemnisons la valeur du véhicule volé et non retrouvé ou le coût des réparations des dommages causés au véhicule entre le Vol et sa découverte, si le Vol a été commis : • sans l’aide des dispositifs de déverrouillage ou de démarrage du véhicule alors qu’ensemble les portes du véhicule étaient verrouillées, l’habitacle clos et ses systèmes de protection anti-démarrage activés.

Conditional

Glass breakage

Conditional

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.

Clause Art. 4.2Page 7

Section: ARTICLE 4 > 4.2. Le Bris de glace

En cas de Bris de glace du véhicule assuré, nous garantissons selon la formule choisie, les frais de réparation et/ou de remplacement engagés à la suite d’un bris des éléments en verre du véhicule, Glaces ou verres organiques livrés d’origine par le constructeur.

Conditional

Natural catastrophes, storms and technological disasters

Conditional

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.

Clause Art. 4.6Page 8

Section: ARTICLE 4 > 4.6. Les catastrophes naturelles > 4.6.2. Franchises

Pour les véhicules assurés le montant de la Franchise applicable pour chaque événement, aux dommages matériels directs définis au troisième alinéa de l’article L 125-1 du Code des assurances est fixé à 380 euros.

Conditional

Vandalism

Conditional

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.

Clause Art. 4.8.1Page 9

Section: ARTICLE 4 > 4.8. Les Dommages tous accidents > 4.8.1. La garantie de base

sous réserve de la justification d’un dépôt de plainte, les Dommages matériels résultant d’un acte de Vandalisme, d’émeutes ou de mouvements populaires causés sans autre mobile que la volonté de détériorer ou de détruire.

Covered

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.

Clause Art. 5.3.1Page 13

Section: PLAFONDS DES GARANTIES ET FRANCHISES (SUITE) > ASSISTANCE > Prestations pour un voyage effectué avec le véhicule assuré

Frais de dépannage ou de remorquage: 185€ par voyage

Covered

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.

Clause Art. 5.6.1Page 15

Section: 5.6. Le véhicule de prêt étendu > 5.6.1. Limite de la garantie par Fait générateur

une durée de 7 jours maximum si le véhicule est immobilisé plus de 24 heures à la suite d’une Panne, dans la limite de 2 Pannes par année civile; ... une durée maximum de 30 jours à la suite d’un vol, si le véhicule n’est pas retrouvé dans les 24 heures.

Covered

Personal driver injury guarantee (Garantie Personnelle du Conducteur)

€400K – €1.5M

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).

Page 4

Section: votre assurance auto en résumé > Vos garanties en un coup d’œil

Garantie Personnelle du Conducteur 400000€ 400000€ 400000€ 1500000€

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.

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.

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.

Territorial scope

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).

Documents

Insurance Product Information Document (IPID) - Auto, February 2026 (opens in a new tab)

Product information sheet · PDF

General Terms and Conditions - Auto Contract (CG 02/2026) (opens in a new tab)

Terms & conditions · PDF

Guide to your guarantees (formula comparison table) (opens in a new tab)

Table of benefits · PDF

Contractual documents index page (opens in a new tab)

Policy specifics

Guaranteed vehicle replacement

A replacement vehicle is provided within 24 hours in case of accident, breakdown, theft or when the vehicle is deemed irreparable

Source

Section: Véhicule de prêt étendu : en cas de panne, vol ou accident

En complément du Véhicule de prêt pendant les réparations dans nos garages partenaires, un véhicule de prêt est mis à votre disposition sous 24h en cas d’accident, de panne, de vol ou si votre voiture est irréparable, et ce quel que soit le garage choisi.

Breakdown 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

Source

Section: Assistance 24h/24, 7j/7 : 0 km en cas d'accident ou 50 km en cas de panne

Assistance 24h/24, 7j/7 : 0 km en cas d'accident ou 50 km en cas de panne

Glass coverage with zero deductible option

In case of windshield replacement or repair, a zero deductible glass option is available to avoid deductible charges

Source

Section: Bris de glace : pare-brise, lunette arrière, glaces latérales

S’il est possible de réparer votre pare-brise par injection de résine, vous n’avez pas de franchise à régler.

Driver 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

Source

Section: Garantie Personnelle du Conducteur

Dès lors que le taux d’Atteinte Permanente à l’Intégrité Physique et Psychique (AIPP) est supérieur à 10 %, la Garantie Personnelle du Conducteur de l’assurance auto Direct Assurance indemnise jusqu’à 1 500 000 € le conducteur qui est à la fois victime et responsable d’un accident pour les conséquences de ses blessures : préjudices corporels, frais médicaux à charge, incapacité de travail, invalidité...

Repair network restriction

Vehicle replacement loan is conditioned on choice of approved repair shop partner; replacement vehicle available only when repaired at partner network

Source

Vehicle indemnification valuation method

For vehicles bought new: indemnified at purchase value for 12 months after first registration in the Tiers Maxi and Tous Risques formulas, and for 48 months in Tous Risques Maxi; afterwards, indemnified up to the expert-assessed value on the day of the loss, capped at purchase value.

SourceClause Art. 12 / 12.1Page 12

Section: PLAFONDS DES GARANTIES ET FRANCHISES > Cas du véhicule acheté neuf

Cas du véhicule acheté neuf: Indemnisation garantie à la valeur d’achat suivant la date de 1re mise en circulation. En formules Tiers Maxi et Tous Risques : 12 mois suivant la date de 1re mise en circulation. En formule Tous Risques Maxi : 48 mois suivant la date de 1re mise en circulation.

Breakdown coverage waiting period

A 30-day waiting period applies to breakdown assistance coverage

Source

Sources

Direct Assurance Casco (own-damage car insurance)

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