Generali France

Driver age and experience limit

A 'young/new driver' deductible applies in addition to any other deductible stated in the policy; it is not applied on the first claim if the guarantee was taken out within 18 months of the vehicle's first registration, and is doubled if a claim occurs within 3 months of subscribing to the guarantee (driver bodily-injury cover). Cover may also be excluded or limited if the driver does not hold a licence valid for the vehicle category, subject to exceptions for supervised/accompanied learner drivers.

Repair network requirements

Policyholders may use Generali's partner repair network; vehicles are inspected within 10 days of the claim (a remote photo-expertise is systematically offered to reduce immobilisation), repairs are guaranteed for 2 years, and a courtesy vehicle may be provided subject to garage availability. For the Pannes Mécaniques guarantee, repairs must be carried out by a professional repairer following the manufacturer's maintenance recommendations.

Territorial scope

Cover applies in Metropolitan France and, for the duration of validity of the green card, in the other countries listed on it (with a non-struck-out reference letter), plus Gibraltar, the Channel Islands, the Faroe Islands, the Isle of Man, Liechtenstein, Monaco, San Marino and the Vatican.

Anti-theft requirements

If a theft-protection or tracking device is declared in the Dispositions Particulières, its existence and use must be evidenced at the time of the claim, otherwise the Theft guarantee does not apply; if the vehicle is stolen from a declared individual closed garage while the keys were inside, or was left unlocked, indemnity is reduced by 20% to 50% depending on the circumstances.

Claim notification deadline

Claims must be reported within 2 working days for theft, within 10 days of the official publication recognising a natural catastrophe, and within 5 working days for all other covered events.

Deductible rules

The deductible is set in the Dispositions Particulières and applies per claim; a 'young/new driver' deductible stacks on top of any other deductible; a reduced deductible applies to glass repairs (as opposed to replacement); theft indemnities are reduced by 20% to 50% in specific circumstances (unproven garage use, keys left inside, vehicle left unlocked); and under the 'Atout Prévention' scheme the deductible is reduced by 50% to 75% after 3 or 5 consecutive claim-free years without interruption of the contract.

Vehicle replacement option

Optional coverage providing a replacement vehicle during repairs or after total loss

24/7 assistance from home (0 km)

Optional assistance coverage providing 24/7 roadside support starting from the policyholder's home address

Mechanical breakdown protection

Optional coverage for mechanical failures including engine, gearbox, axle or broader coverage

Legal protection

Coverage for criminal defense, damage claims, and administrative traffic matters related to vehicle use

Glass breakage coverage

Coverage for damaged windows, mirrors and glass on vehicle

Approved repair network

Repairs can be performed at Generali's network of approved repair partners without advance payment of franchise

Maintenance obligation for mechanical breakdown protection

Mechanical breakdown coverage requires regular maintenance according to manufacturer specifications

Geographic coverage area

Coverage applies in France and European Economic Area with specific territorial limitations

Vehicle theft reporting requirement

Theft or attempted theft claims require formal police report filing within specific timeframe

Variable franchise based on driver profile

Franchise amount may vary based on driving record, bonus-malus coefficient and accident history