BPCE Assurances
Groupe BPCE
Groupe BPCE is a motor casco insurance for the France market with no online purchase and limited assistance availability.
Direct payment
BPCE Assurances IARD applique un système de tiers payant via son réseau de réparateurs agréés (garages, carrossiers, spécialistes bris de glace comme Mondial Pare-Brise et Elexia). En passant par un réparateur agréé par l'assureur, l'assuré bénéficie d'un règlement direct : la facture est réglée directement par l'assureur au réparateur, sans avance de frais (déduction faite de la franchise éventuelle). En revanche, si l'assuré choisit un réparateur hors réseau agréé, il doit avancer les frais de réparation puis envoyer la facture à BPCE Assurances pour remboursement selon les termes du contrat, une partie du coût pouvant alors rester à sa charge.
Geographic scope
Metropolitan France (including Corsica) and overseas departments (DROM)
Cover applies in metropolitan France (including Corsica), the DROM (Guadeloupe, Martinique, Guyane and La Réunion) and EEA countries; for trips under 3 months, cover also extends to other countries shown on the international insurance card. Personal assistance cover applies worldwide, while vehicle assistance cover is limited to metropolitan France, DROM, EEA countries and international insurance card countries for trips under 3 months.
Unique selling points
- Driver bodily injury cover of up to €1,000,000, included in every formule of the contract.
- Enhanced indemnification above expert valuation if the vehicle is declared a total loss or stolen, in some editions up to 20% above expert value or reimbursement at purchase price.
- Specific financial-loss cover bridging the gap between expert valuation and outstanding capital owed on leased (LOA/LLD) vehicles.
- A lifetime multi-contract discount for customers who hold at least two eligible contracts with the bank.
- Up to 20% discount for young drivers up to age 24 with a clean 3-year record whose parent holds an auto insurance contract with the bank.
Coverage limits
Own Vehicle Damage (All Accidents)
Optional
Optional cover for damage to the insured's own vehicle following a collision with another vehicle, person or animal, hail, snow or vandalism; a deductible applies unless the total deductible buy-back or the 'indemnisation plus' option has been subscribed.
Total Loss / Economic Write-off Indemnity
Optional
Enhanced indemnification above the value determined by an expert if the vehicle is declared economically irreparable or stolen; one edition of the IPID specifies a 20% uplift over expert value or reimbursement at purchase price.
Partial Loss
No limit stated
Not separately identified as a distinct guarantee in the IPID; damage scenarios are instead described under 'all accidents damage', theft, fire, and glass breakage guarantees.
Theft / Robbery
Optional
Optional cover for theft of the vehicle by mechanical or electronic break-in; a deductible applies unless the total deductible buy-back or the 'indemnisation plus' option has been subscribed, and a police report must be filed.
Glass Breakage
Optional
Optional cover for repair or replacement of the windscreen, exterior mirrors and rear lights; a deductible applies unless bought back.
Natural Events (Non-Cat-Nat)
Optional
Optional cover for natural events (e.g. storm-type damage) in the absence of an official inter-ministerial decree recognising a state of natural disaster; separate 'Catastrophes Naturelles' cover is subject to specific contractual provisions.
Vandalism
Optional
Optional cover for acts of vandalism, collision with another vehicle, person or animal, hail or snow; a deductible applies unless bought back.
Vehicle Roadside Assistance
Covered
Included base guarantee covering towing and breakdown costs, return or repatriation of a recovered vehicle, and expert assessment in case of a claim abroad; one edition applies a 50 km deductible/threshold in case of breakdown.
Replacement Vehicle
Optional
Optional loan of a replacement vehicle (category A or B or equivalent in some editions) for a duration determined by the triggering event (accident, theft, breakdown).
Driver Bodily Injury
€1,000,000
Included base guarantee covering bodily injury suffered by the driver, capped at a maximum indemnity of €1,000,000.
Key conditions
Driver age and experience limit
Cover does not apply if the driver does not have the required age or does not hold a valid driving licence at the time of the loss.
Repair network requirements
The IPID documents do not specify any mandatory approved repair network requirement for this product.
Territorial scope
Guarantees apply in metropolitan France (Corsica included), DROM territories and EEA countries; for trips under 3 months, cover extends to other countries listed on the international insurance card.
Anti-theft requirements
Theft or attempted theft resulting from non-compliance with the prevention measures set out in the contractual provisions is excluded from cover.
Claim notification deadline
The policyholder must report a claim as soon as they become aware of it and no later than the deadlines set in the contract; in case of theft or attempted theft, a police report must be filed.
Deductible rules
A deductible is applied and deducted from the indemnity in cases of theft and attempted theft, fire, storm, glass breakage, all-accident damage and vandalism, unless the total deductible buy-back or the 'indemnisation plus' option has been subscribed.
Policy specifics
Assistance Services (Vehicle and Person)
Roadside assistance for vehicles and personal assistance available worldwide for personal assistance, limited to 3 months abroad for vehicle assistance
SourceNatural Disasters Coverage
Coverage for natural disaster damages, subject to specific contractual provisions
SourceGeographical Coverage Scope
Coverage in metropolitan France (Corsica included), DROM territories, and EEA countries; extended to international insurance card countries for trips under 3 months
SourceVehicle Contents Coverage Limit
Optional cover for the vehicle's contents (personal items, DVD player, car radio) up to €2,000
SourceExterior Equipment Coverage Limit
Optional cover for exterior equipment (roof box and its contents, bike rack, rear-view camera, parking sensors) up to €2,000
SourceLegal Recourse Restriction Threshold
Legal recourse cover applies only for damages of €760 or more
SourceContract Modification Notification Period
Policyholder must notify insurer of any changes to information provided at subscription, either before the change takes effect or within 15 days of becoming aware
SourceTheft Police Report Requirement
In case of theft or attempted theft, policyholder must file a police report
SourceClaim Declaration Deadline
Policyholder must declare any claim as soon as they become aware of it and within deadlines specified in the contract
SourceContract Auto-Renewal
After first one-year period, contract is automatically renewed each anniversary unless cancelled
SourceContract Cancellation Procedures
Cancellation can be effected via online account, email, letter, or other documented means within specified timeframes
Source