Groupama Casco (own-damage car insurance) (Casco Tous Risques)

Covers all accidental damage suffered by the insured vehicle, including tyres when damage is accessory to the vehicle's damage, plus justified towing/breakdown costs to the nearest garage. This guarantee is only part of the 'tous risques' (comprehensive) formulas; it is not available under third-party-only formulas. No fixed sum insured is stated; indemnification is based on repair cost or vehicle value per the age-based settlement tables.

Settlement depends on vehicle age: for vehicles new or under 1 year, if repair cost exceeds 2/3 of the original purchase value, indemnity is at replacement (new) value if the wreck is surrendered, or actual value if kept. For vehicles 1-5 years old, indemnity is expert-assessed replacement value, or purchase-value option (capped at Argus value +30%) for 3 years from purchase. For vehicles over 5 years old, if repairable and repaired, indemnity is the 'Indemnisation Plus' (minimum €1,416, maximum replacement value +20%, within repair cost limit); otherwise expert replacement value with a minimum of €1,100 (minus wreck value), or the purchase-value option if chosen.

When repair cost is below the applicable threshold (2/3 of original purchase value for vehicles under 1 year, or expert replacement value for older vehicles), indemnity equals the actual cost of repairs (parts replacement/repair at expert valuation, including reconditioned parts where the expert deems it possible), with no fixed monetary ceiling stated in the policy wording.

Covers loss/damage from theft or attempted theft of the vehicle by break-in of the vehicle or its garage, or violence against the keeper/owner, plus recovery, towing and breakdown costs. A separate guarantee covers isolated theft of vehicle components (including wheels). Requires an anti-theft device where stated in the personal conditions and observance of prevention measures (removing ignition keys/electronic badges, engaging the steering lock, closing windows/sunroof, locking doors/bonnet/boot). Not available under the entry-level third-party-only formula; included from the extended third-party formula upward.

Covers isolated breakage of the windshield, side windows, rear window, door windows and non-opening panoramic roof, plus corresponding repair/replacement costs and towing if needed. Excludes headlight/optic units, long-range and fog lights, opening sunroof glass, mirrors, indicator lights, door deflectors and mirror supports (covered instead under the front optics/sunroof guarantee where subscribed). Via the PRESTO GLACE service, windshield chip repairs can be carried out with no deductible at the customer's home or workplace, for 4-wheel vehicles of 3.5 tonnes or less only.

Combines two guarantees: (1) Catastrophes naturelles, covering non-insurable direct material damage caused by the abnormal intensity of a natural agent, triggered only after publication of an official interministerial decree recognising a 'state of natural catastrophe'; also extended to ground subsidence from natural/human-made underground cavities; and (2) Événements climatiques, covering storm, flood, landslide, avalanche, falling rocks and hail when not declared a natural catastrophe. Both exclude indirect damage and depreciation.

Extends, only to the guarantees indicated in the limits/deductible table for the chosen formula, cover to accidental deterioration of the insured vehicle caused by acts intended solely to destroy or damage it, plus justified towing/breakdown costs. In practice offered alongside the all-risks damage guarantee in the comprehensive ('tous risques') formulas.

Included with every Groupama Conduire auto policy: towing/breakdown assistance following immobilisation from an accident, breakdown, theft or vandalism, available 24/7 via Mutuaide Assistance. A 50 km deductible from the declared home address applies except in case of accident/theft/vandalism, for cross-border residents, or if the optional 'Assistance 0 km' (home breakdown assistance) has been subscribed. Example benefit limits (non-indexed): breakdown/towing costs €138 TTC in France and €230 TTC abroad; equivalent limits apply for lost/broken/locked-in keys.

Loan vehicle (category stated in the personal conditions) provided in Metropolitan France in case of vehicle unavailability, for a duration that varies by event: up to 7 days for breakdown repairs, up to 15 days for accident repairs (up to 20 days if the vehicle is declared a total loss/wreck), and up to 30 days if the vehicle is stolen. If no loan vehicle is available locally, a daily indemnity is paid instead, reduced to €35 TTC/day if only a lower category vehicle can be supplied. The enhanced 'Auto Presto Privilège' variant is included as standard only in the top-tier comprehensive formula and is an optional paid add-on in the other formulas; the free Auto Presto loan car after an accident also requires that the 'Dommages Tous Accidents' guarantee has been subscribed and repairs are carried out at a partner garage.