Groupama Assurances Mutuelles
Groupama
Groupama is a motor casco insurance for the France market with online purchase and 24/7 assistance.
Direct payment
Groupama operates the Auto Presto partner repair network, offering repairs guaranteed for the vehicle's lifetime (while insured with Groupama) and a free loan vehicle when repairs are carried out at an approved partner garage, limiting the need for policyholders to advance repair funds.
Geographic scope
Metropolitan France, overseas departments, regions and territories (DROM-COM)
Guarantees apply in Metropolitan France and DROM-COM, and for any trip of less than one year in European Union countries and countries covered by the international green card, as well as in Andorra, Monaco, Liechtenstein, the Holy See and San Marino. The Attacks and Terrorism guarantee applies only in Metropolitan France, DROM-COM, Mayotte, Wallis and Futuna, Saint-Pierre-et-Miquelon, Saint-Barthélemy, Saint-Martin and Polynesia. The vehicle purchase/sale legal protection guarantee applies only to disputes arising in France, Monaco and Andorra.
Unique selling points
- Repairs carried out at Groupama's Auto Presto partner garage network are guaranteed for the vehicle's lifetime while it remains insured with Groupama.
- Windshield chip repairs under PRESTO GLACE are carried out with no deductible, at the customer's home or workplace.
- 24/7 breakdown assistance is available regardless of the formula chosen.
- New customers can receive a €50 reduction on their first year's premium when subscribing two new Groupama contracts.
- Backed by a network of more than 2,000 physical branches across France for in-person, localized support.
Coverage limits
All-Risks Accidental Damage (Dommages Tous Accidents)
Conditional
Only in Confort, Mobilité
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.
Total Loss Settlement
Covered
Only in Confort, Mobilité
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.
Partial Damage / Repair Cost Settlement
Covered
Only in Confort, Mobilité
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.
Theft Coverage
Conditional
Only in Eco, Confort, Mobilité
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.
Isolated Glass Breakage
Conditional
Only in Eco, Confort, Mobilité
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.
Natural Catastrophes and Weather Events
Conditional
Only in Eco, Confort, Mobilité
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.
Vandalism Damage
Conditional
Only in Confort, Mobilité
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.
Vehicle Assistance
€138 – €230
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.
Replacement / Loan Vehicle (Auto Presto)
€7 – €30
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.
Driver Bodily Injury Protection
Optional
Optional guarantee covering the driver's own bodily injury or death following a road accident, whether or not the driver is at fault, including temporary and permanent incapacity indemnification (per the common-law schedule), medical/rehabilitation costs, third-party assistance costs, and, on death within one year, funeral costs and moral/economic prejudice to beneficiaries. Cover applies during use of the vehicle, including starting it up, repairing, refuelling, loading/unloading. The exact guaranteed ceiling and incapacity intervention threshold are set out in the limits/deductible table, not stated as a fixed figure in the general conditions.
Key conditions
Driver age and experience limit
A driver is classed as 'novice' if they hold a licence for less than 3 years, or cannot prove continuous insurance cover during the 3 years preceding subscription; an additional deductible applies to damage claims when the driver at the time of loss is an undesignated novice driver. Separately, to benefit from an Auto Presto replacement vehicle, the driver must be at least 21 years old and hold a licence for more than 2 years, per current rental-company requirements.
Repair network requirements
Certain benefits (free loan vehicle under Auto Presto, PRESTO GLACE deductible-free windshield repair) require repairs to be carried out at a repairer chosen by or partnered with Groupama; Groupama selects the repairer for Auto Presto loan-vehicle claims. Using the partner network also gives access to a lifetime repair guarantee for as long as the vehicle remains insured with Groupama, per Groupama's own marketing communications.
Territorial scope
Guarantees generally apply in Metropolitan France, DROM-COM, and for trips under one year in the EU and Green Card countries, plus Andorra, Monaco, Liechtenstein, the Holy See and San Marino, with narrower scope for the terrorism guarantee (French territory and DROM-COM only) and the vehicle purchase/sale legal protection guarantee (France, Monaco, Andorra only).
Anti-theft requirements
Where stated in the personal conditions, the vehicle must be fitted with a professionally installed anti-theft protection system. Preventive measures required to keep theft cover valid include removing ignition keys/electronic badges, engaging the steering-column lock, closing the sunroof and windows, and locking doors, bonnet and boot; failure to observe these measures, or absence of the required device, excludes theft-related claims.
Claim notification deadline
General claims and vehicle damage: 5 business days. Theft: 2 business days. Natural or technological catastrophe claims: within 10 days of publication of the official decree. Legal defense/recourse and vehicle purchase/sale legal protection claims: 30 business days from knowledge of the dispute or refusal.
Deductible rules
Three deductible types can apply: (1) the deductible chosen at subscription, shown in the personal conditions, applying to All-Risks Damage, Vandalism, Theft/isolated theft of parts, Fire, Electrical/electronic equipment damage, Glass breakage (if chosen) and Weather events — never to the vehicle's private contents, fittings, car radio, or the Location Pro replacement-vehicle rental guarantee; (2) an additional novice-driver deductible when the driver at the time of loss is an undesignated novice (waived for an employee driving in the course of duties); (3) the natural-catastrophe deductible set by interministerial decree for each recognised event (the officially subscribed deductible for professional-use vehicles applies instead if higher). Groupama's own product page gives an illustrative deductible example of €483 for the 'Dommages Tous Accidents' guarantee under the Confort formula.
Documents
General Terms and Conditions - Groupama Conduire Auto Insurance
Terms & conditions
Policy specifics
All-Risks Damage Coverage
Covers damage to the insured vehicle in case of responsible accident or unidentified third party accident
SourceTheft Coverage
Covers theft and attempted theft of the vehicle; includes theft of detached parts in Confort/Mobilité formulas
SourceWeather Events Coverage
Covers damage from natural weather events such as storms, flooding, hail, etc.
SourceAuto Presto Assistance
Repair guarantee included in all formulas (via partner network) - repairs covered for vehicle lifetime when done at Groupama partners
SourceVehicle Assistance
Breakdown and towing assistance in case of immobilization due to accident, breakdown, theft, fire, or vandalism
SourceDamage Deductible
Standard deductible example: €483 on all-risks damage coverage; reduced by half for vehicles 10+ years old
SourceDriver Injury Protection
Indemnification for driver's bodily injury in case of responsible or non-responsible accident; subject to incapacity threshold (percentage-based)
SourceLegal Defense and Recovery
Covers legal defense costs and recovery proceedings in case of criminal charges or third-party recovery actions related to vehicle use
SourceLiability Coverage
Mandatory coverage for bodily and material damages caused to third parties; extends to all authorized drivers and in certain cases to unauthorized drivers
Source