La Banque Postale Assurances IARD

driver_age_experience_limit

Young drivers (licence held less than 3 years, never previously insured in their own name, or having retaken their licence after cancellation) are subject to a surcharge of 100% in year 1, 50% in year 2 and 25% in year 3. This surcharge is halved if a parent of the novice driver is already a La Banque Postale customer. Undeclared drivers who have held a licence for more than 3 years are subject to a supplementary excess of EUR 300; those with less than 3 years' experience face a EUR 1,500 supplementary excess and are not covered by the 'Protection Corporelle Plus' option.

repair_network_requirements

No advance payment is required for repairs carried out within the approved garage network ('réseau de garages agréés'). Repairs outside the network are subject to normal indemnification procedures. Claim management for material damage is delegated to CELLINKS.

territorial_scope

Coverage applies in metropolitan France and the French overseas departments (Réunion, Mayotte, Martinique). Roadside assistance also applies abroad. In the event of a claim abroad, assistance may also cover medical and hospitalisation costs.

anti_theft_requirements

Theft coverage requires evidence of forced entry into a closed vehicle. Theft of the vehicle when left open or with keys available is not covered. Theft of separately insured wheels and tyres is covered up to EUR 1,500 provided they are fitted with anti-theft wheel nuts. A police report is mandatory. Indemnity may be reduced by 50% if required documents (e.g. original key duplicates) are not produced. Installation of approved security equipment (alarm, geolocation, window etching, reinforced locking) is recommended.

claim_notification_deadline

Claims must be declared as promptly as possible. A 30-day calendar period is granted from contract inception to submit required supporting documents. Annual renewal occurs by tacit reconduction; cancellation must be notified by registered letter at least 2 months before the annual expiry date (Loi Chatel). After the first year, the policyholder may cancel at any time with one month's notice (Loi Hamon).

deductible_rules

Three options: (1) zero-deductible contract (reserved for non-novice drivers, applicable to all-accident damage, theft, fire/terrorism, and climate event guarantees); (2) contract with deductible at two progressive levels selectable at underwriting; (3) deductible waiver bonus: after 3 consecutive claim-free years, the policyholder pays no damage deductible on the first covered claim. Statutory franchise for natural disasters: EUR 380 (general) or EUR 1,520 (drought). Glass deductible applies separately and is not waived by the bonus franchise. Supplementary deductibles apply for undeclared drivers.

Purchase value indemnity option

Three tiers available in Tous Risques: (a) purchase value for up to 3 years then VRADE majorée to year 10; (b) purchase value for up to 5 years then VRADE majorée to year 10; (c) VRADE majorée from year 5 to year 10 only. The option must be subscribed within 2 years of vehicle purchase. The VRADE majorée provides an enhanced indemnity of 30–40% above the standard expert valuation depending on vehicle age.

Theft exclusion: open vehicle or keys available

Theft of the vehicle when it is left open or with the keys available (or in the ignition) is explicitly not covered, even with a supplementary deductible option.

Non-standard accessories not covered

Non-standard (aftermarket) accessories fitted to the vehicle are not covered under any formula.

Seatbelt non-use indemnity reduction

In the event of a claim, the indemnity is reduced by 25% if the driver was not wearing a seatbelt at the time of the accident.

Exclusion: driving under the influence

No indemnity is payable in the event of an accident caused while driving under the influence of alcohol or narcotics.