Groupama

All-accident damage (own vehicle)

Covered

Covers all accidental damage to the insured vehicle caused by a collision, impact against a fixed or mobile body, road departure, fire, explosion, or any other accidental event for which the insured is responsible or where no third party is identifiable. Tyres are covered when their damage is incidental to vehicle damage. Justified towing and breakdown costs to the nearest garage are also covered. Excluded: mechanical breakdowns, acts of vandalism (covered separately), depreciation, and damage occurring when the vehicle had not met technical inspection obligations.

Total loss (economically irreparable vehicle)

Covered

When the expert determines that repair costs exceed the vehicle's replacement value, the vehicle is declared economically irreparable. Indemnity is based on: purchase value (for up to 3 years from purchase date, capped at Argus value +30%), or replacement value as assessed by the expert, with a guaranteed minimum of 1,100 EUR (net of wreck value) for vehicles over 5 years old. New vehicles under 1 year old are indemnified at new value. The 'valeur d'achat' option extends purchase-price indemnification to 3 years. Does not apply to vehicles over 3.5 t, 2–3 wheelers, quads, trailers, caravans, leasing/LLD vehicles, taxis, ambulances, or driving schools.

Partial loss (repairable vehicle)

Covered

When repair costs are less than or equal to the replacement value, the indemnity equals the cost of repairs as determined by the expert. For vehicles new or under 1 year old: if repair costs are at or below 2/3 of original purchase value, indemnity equals repair cost. If costs exceed 2/3 of original purchase value and the policyholder does not cede the vehicle, indemnity equals actual value (valeur réelle). Indirect damages and depreciation are excluded. Repairs may include reconditioned parts at the expert's discretion.

Vehicle theft and robbery

Covered

Covers fraudulent disappearance or deterioration of the insured vehicle resulting from theft or attempted theft by: vehicle break-in, break-in of the garage where the vehicle is parked, or violence against the vehicle's custodian or owner. Also covers isolated theft of vehicle components (including wheels) and resulting damage. Anti-theft system must be activated and prevention measures observed (keys removed, steering column locked, windows and sunroof closed, doors/bonnet/boot locked). If no break-in is evidenced, theft damage is not covered. Theft indemnification is paid within 40 days of declaration if all required documents are provided within 30 days. Also covers 'Vol isolé des éléments composant le véhicule' (Section 4.4) as a separate sub-guarantee.

Glass damage (windshield and glazing)

Covered

Section 4.8 covers isolated breakage of: windshield, side windows, rear window, door windows, and fixed panoramic roof. Repair/replacement costs are covered upon presentation of a paid invoice. Section 4.9 additionally covers isolated breakage of front headlight lens blocks and their protection, front indicator lights, long-range headlights, front fog lights, sunroof glass, exterior mirror glass. Excluded from 4.8: vandalism, terrorism, depreciation, headlight lens blocks, rearview mirrors, rear/front indicator lights, door deflectors, sunroof glass, mirror support brackets. The Presto Glace service allows no-deductible windscreen repair at the location of the policyholder's choice.

Natural perils (natural disasters, weather events, terrorism)

Covered

Section 4.10: Natural disasters — covers pecuniary repair of direct uninsurable material damage caused by abnormal natural agent intensity, triggered after publication of an interministerial order declaring a state of natural disaster. Extended to ground subsidence from natural or man-made underground cavities. Section 4.12: Climatic events (when not declared a natural disaster) — covers damage from storm, flooding, landslide or ground movement, avalanche, falling rocks, hail. Section 4.6: Terrorism and acts of terrorism — covers direct material damage including decontamination costs, on French territory; excludes vandalism, sabotage, riots. All three sub-coverages include justified towing/breakdown costs.

Vandalism damage

Covered

Section 4.2: Covers all accidental deteriorations suffered by the insured vehicle when resulting from acts of vandalism (acts caused with the intent to deteriorate or destroy). Coverage is extended by reference to the guarantees indicated in the table of guarantee amounts and deductibles according to the chosen formula. Justified towing and breakdown costs to the nearest garage are also included. Excluded: mechanical breakdowns, depreciation, and events covered by other specific guarantees (theft, fire, terrorism, electrical/electronic damage, glass breakage, natural/technological disasters, climatic events). A police report receipt (récépissé de dépôt de plainte) is required.

Roadside and vehicle assistance (24/7)

Covered

Section 6.1: Vehicle assistance is managed by Mutuaide Assistance, a Groupama subsidiary, and operates 24/7. Covers immobilisation or loss of use due to accident, breakdown, theft, or vandalism. Services include: organisation and payment of roadside repair or towing to the nearest garage; repatriation of vehicle from abroad; accommodation for up to 2 nights if vehicle is repairable within 48 hours; transport home or to destination if not repairable within 48 hours; spare parts search and forwarding (parts cost remains with policyholder); advance on repair costs abroad; replacement driver service; judicial assistance abroad. A 50 km territorial franchise applies from the declared domicile for breakdowns, unless the optional 'Assistance 0 km' guarantee is subscribed. No franchise applies for accidents, theft, or vandalism. For breakdown/flat tyre/lost keys at home, the optional Section 6.2 'Assistance 0 km' covers up to 2 interventions/year for vehicles under 10 years, 1/year for older vehicles. Towing limits for Assistance 0 km: flat tyre/wrong fuel — 138 EUR TTC in France, 230 EUR TTC abroad; lost/broken/locked keys — 138 EUR TTC in France, 230 EUR TTC abroad.

Replacement vehicle (Auto Presto service)

Covered

Section 7 (Auto Presto): In case of vehicle unavailability due to: accident repair (Section 7.2 — for the duration of repairs as assessed by expert, with no fixed day limit when the event is covered; up to 15 days if the event is not covered); breakdown repair (Section 7.3 — up to 7 days, subject to immobilisation > 24h and labour time > 4h; max 2 interventions/year for vehicles under 10 years, 1 for older); theft or write-off (Section 7.4 — up to 20 days for write-off, up to 30 days for theft). Vehicle category as specified in personal conditions. Delivery and collection at policyholder's address within local availability. If no vehicle is available, a daily allowance of 35 EUR TTC/day is paid. Fuel and toll charges remain policyholder's responsibility. Minimum driver age: 21 years; driving licence held for more than 2 years. Section 8 (Location Pro) provides an alternative daily flat-rate allowance for rental costs in lieu of an organised loan.