Allianz Direct Versicherungs AG, French branch (trading as Eurofil)
Eurofil
Eurofil is a motor casco insurance for the France market with online purchase and 24/7 assistance.
Direct payment
For certain damage claims the insurer may settle directly with the approved repairer instead of reimbursing the policyholder, subject to prior agreement; under the mechanical-breakdown option and the glass-breakage zero-deductible option, the policyholder can also choose to pay the garage directly and be reimbursed, or have the insurer pay its share directly to the repairer.
Geographic scope
Metropolitan France and Monaco for liability and legal-defence cover (extended to Green Card Convention countries); worldwide (max. 90 consecutive days) for personal assistance benefits
Cover for Responsabilité Civile and Défense Pénale et Recours Suite à Accident applies in Metropolitan France, Monaco and Green Card Convention countries; vehicle assistance applies in the countries shown on the international Green Card; other damage guarantees (own damage, theft, fire, glass) apply in Metropolitan France, Monaco and Green Card countries for trips/stays of under 91 consecutive days
Unique selling points
- The Valeur d'achat 24/48 mois options reimburse a vehicle at its full purchase price for up to 4 years, with a 30% expert-value uplift (capped at €5,000) applied for older claims.
- Optional zero-deductible add-ons let policyholders eliminate the franchise on theft, fire, accidental-damage and glass-breakage claims.
- Option Perte financière covers the shortfall between the insurance payout and the outstanding lease/loan settlement for financed or leased vehicles.
- Option Pannes mécaniques extends breakdown cover to mechanical, electrical or electronic failures for vehicles up to 12 years old.
- The Assistance Maximale option provides roadside assistance and a replacement vehicle from 0 km, with towing cover up to €3,000/year and a replacement vehicle for up to 40 days after an unrecovered theft.
Coverage limits
Own damage / accidental damage cover (Dommages Tous Accidents)
Covered
Only in Tous Risques, Tous Risques Maxi
Under the Tous Risques and Tous Risques Maxi formulas, covers accidental damage to the insured vehicle resulting from collision, overturning, submersion, vandalism, riots and civil disturbances, or simultaneous breakage of several glazed elements. Indemnity is based on the cost of repair, within the limits of the guarantee and of the vehicle's replacement value on the day of the loss; the deductible amount is stated in the personal conditions.
Total loss cover
Covered
Only in Tous Risques, Tous Risques Maxi
The vehicle is declared a total loss when repair costs exceed its expert-assessed value, in case of theft, or when it is technically unrepairable. Indemnity is based on the vehicle's replacement value (or, for vehicles under 12 months old, the original purchase price) at the day of the loss, less the applicable deductible; ownership of the vehicle transfers to the insurer upon payment.
Partial damage repair cover
Covered
Only in Tous Risques, Tous Risques Maxi
Partial damage to the insured vehicle is indemnified on the basis of the cost of repair as assessed by the insurer's expert, within the limits of the guarantee, less the applicable deductible; non-standard wheels are covered up to the value of the manufacturer's standard wheels and factory-fitted audio/video/GPS equipment is covered subject to a wear scale.
Theft and attempted theft cover
Covered
Only in Tous Risques, Tous Risques Maxi, Tiers + bris de glace + vol
Covers the disappearance or damage of the insured vehicle resulting from theft or attempted theft by forced entry, forced entry of a locked private garage, threat or violence against the owner/keeper, misappropriation following breach of trust, or attempted theft by forced entry. The policyholder must prove the circumstances of the theft; anti-theft devices or marking required under the personal conditions must be evidenced by a purchase receipt in the event of a claim.
Glass breakage cover
Covered
Covers the cost of repair or replacement of the windscreen, rear window, side windows, front optical units and indicators listed in the manufacturer's catalogue, and, if made of glass or translucent material, the sunroof and headlight covers, when damaged by accidental breakage. Rear-view mirrors, rear lights/indicators, and simultaneous breakage of several glazed elements are excluded (the latter is covered under Dommages Tous Accidents instead). An optional zero-deductible add-on is available.
Natural perils cover (Forces de la Nature / Catastrophes Naturelles)
Conditional
Only in Tous Risques, Tous Risques Maxi
If a damage guarantee has been subscribed, covers direct damage caused to the vehicle by hail, flooding, ground movement or subsidence, mudslides, or avalanche not officially classified as a 'Catastrophe Naturelle', as well as damage from events officially recognised as 'Catastrophes Naturelles' by inter-ministerial decree. The natural-disaster guarantee can only be triggered after publication in the Official Journal of the decree recognising the state of natural disaster, and the deductible is set and revised by the public authorities.
Vandalism cover
Covered
Only in Tous Risques, Tous Risques Maxi
Included within the Dommages Tous Accidents guarantee under the Tous Risques formulas, covers damage caused deliberately to the vehicle with no motive other than the intent to damage or harm, including damage caused during riots or civil disturbances.
Roadside assistance (towing / breakdown)
€230
Included as part of the base 'Garantie Assistance' attached to the motor policy: covers roadside breakdown assistance or towing to the nearest repair garage, up to €180 TTC in Metropolitan France and up to €230 TTC abroad and on motorways, subject to the mileage deductible shown in the personal conditions. Cover from 0 km, higher towing limits (up to €3,000/year) and additional vehicle-assistance services are available via the optional Assistance Initiale/Intégrale/Maximale upgrades.
Replacement vehicle cover
€3,000
Reserved for policyholders aged 21 or over holding a driving licence for at least 2 years. Under the 'Tous Risques' formula, this benefit is only granted if it is expressly mentioned in the personal conditions; it is automatically included under the 'Tous Risques Maxi', 'Tiers + bris de glace + vol' and 'Tiers + bris de glace' formulas. A category A or B replacement vehicle is provided for up to 8 consecutive days when the vehicle is immobilised for more than 24 hours in France for repairs requiring at least 5 hours of labour following an accident or attempted theft, or in the event of theft. The optional Assistance Intégrale/Maximale upgrades extend this to up to 21 days (accident/attempted theft) or 40 days (theft not recovered), up to €3,000 TTC.
Driver protection (bodily injury) cover
€400,000 – €800,000
Only in Tous Risques, Tous Risques Maxi
Indemnifies the driver's bodily injury under common-law liability rules when the driver is involved in an accident, fire or explosion involving the insured vehicle. Only compensated if the resulting permanent functional impairment exceeds 9%, or in the event of death (benefiting the driver's heirs); temporary loss of professional income is compensated from the 31st day of work stoppage for up to 300 days. The overall ceiling is stated in the personal conditions; the insurer's own marketing material indicates ceilings of €400,000 under the Tous Risques formula and €800,000 under the Tous Risques Maxi formula.
Key conditions
Driver age and experience limit
Certain benefits (e.g. replacement vehicle, Option Assistance upgrades) are reserved for policyholders aged at least 21 with a driving licence held for at least 2 years; drivers holding a licence for less than 5 years are subject to a policy-defined penalty if a minor drives the vehicle without the policyholder's knowledge; supervised/accompanied driving from age 15 is accepted if declared to the insurer.
Repair network requirements
Policyholders have the free choice of the repair professional to whom they entrust their vehicle, in accordance with Article L.211-1 of the Code des Assurances (no mandatory approved-garage network for repairs); certain assistance and mechanical-breakdown services are organised by the insurer's assistance partner, Opteven Services.
Territorial scope
Responsabilité Civile and Défense Pénale et Recours Suite à Accident apply in Metropolitan France, Monaco and countries party to the inter-bureaux Green Card Convention; other damage guarantees apply in Metropolitan France and Monaco, extended to Green Card countries for trips of under 91 consecutive days; personal assistance applies worldwide for trips of up to 90 consecutive days, while vehicle assistance applies in Green Card countries.
Anti-theft requirements
Any anti-theft devices or vehicle marking (tattooing) required under the personal conditions must be evidenced by a purchase receipt in the event of a theft claim, together with an immediate police report and the vehicle roadworthiness-inspection report. Theft cover excludes losses facilitated by keys left in, on or under the vehicle, theft or attempted theft using presumed false (non-manufacturer) keys, theft where keys are stolen from a dwelling without forced entry, and theft or attempted theft committed by the policyholder's employees or household members or with their complicity.
Claim notification deadline
Claims must be reported within 2 business days for theft or attempted theft, within 30 days of publication in the Official Journal of the inter-ministerial decree for Catastrophes Naturelles claims, and within 5 business days for all other cases; late reporting causing prejudice to the insurer can result in forfeiture of cover for that claim.
Deductible rules
Deductible (franchise) amounts for each damage guarantee are stated in the personal conditions. Optional add-ons can modify the deductible: 'Option zéro Franchise Dommages' removes the deductible for theft, fire, accidental damage and terrorism claims (excluding Catastrophes Naturelles, natural forces, storm and glass-breakage deductibles, which remain payable); 'Option zéro Franchise Bris des glaces' removes the glass-breakage deductible, subject to prior acceptance for direct payment of the service provider; 'Option Franchise Dommages Majorée' increases the deductible on the same guarantees.
Policy specifics
New value guarantee
Optional coverage that reimburses the vehicle at its purchase price for up to 24 or 48 months following first registration if the vehicle is stolen and not recovered, or completely destroyed
SourceAccidental damage coverage
Included in Tous Risques formula; covers accidental damage to the vehicle including scratches, vandalism, and damage from unidentified third parties
SourceAnnual deductible reduction
10% reduction of damage deductible applied each year of insurance passed without a claim
Source0 km accident assistance
Included in all Tous Risques formulas; provides towing and roadside assistance from the point of accident at 0 km
SourceGlass breakage coverage
Covers windshield, side windows, rear window, headlight blocks (including fog lights and high beams), front indicators, and roof window glass in case of replacement or repair
SourceDriver protection (bodily injury)
Included in all Tous Risques formulas with a ceiling of €400,000 for the standard Tous Risques formula, and €800,000 for the Tous Risques MAXI formula
SourceTheft and fire coverage
Included in Tous Risques formula; covers loss of vehicle due to theft, complete destruction by fire, terrorist attacks, storms, and natural disasters
SourceNatural disaster coverage
Mandatory and integrated into all auto insurance contracts with at least one damage guarantee; covers vehicle damage from natural events (floods, ground movement, storms, hurricanes, cyclones, earthquakes)
SourceZero deductible option
Optional coverage available only for Tous Risques formula; eliminates deductible charges for damage, theft, fire, storms, and terrorism (except natural disaster deductible)
SourceThird-party liability coverage
Mandatory guarantee included in all formulas; covers damages caused to others (bodily injury and property) when the policyholder or authorized driver is involved in an accident
SourceAuthorized repair network
Eurofil applies franchise reduction (up to 50%) only when repairs are made within its approved network of garages
SourceExpert-assessed valuation
After 12 months (or 24/48 months with optional valeur à neuf coverage), vehicle indemnification is based on expert assessment of second-hand market value rather than purchase price
SourceBonus-malus eligibility
Eurofil car insurance contract targets drivers with an existing bonus (positive driving history); drivers without bonus or with recent claims may face restrictions
SourceProfessional/commercial use exclusion
Coverage does not apply to damage incurred while using the vehicle for professional purposes beyond personal/occasional business travel (e.g., race participation, goods transport, hazmat)
Source