Admiral Intermediary Services SA (trading as L'olivier Assurance)

Driver age and experience limit

A 'prêt de volant' deductible of €0 to €1,600 (depending on driver profile) applies if the insured vehicle is driven, at the time of loss, by a person not declared on the policy who has held a driving licence for less than three years, or by a driver with aggravating circumstances (Article A.121-1-2 of the Insurance Code); this deductible does not apply to declared principal/secondary drivers or to accompanied/supervised learner drivers.

Repair network requirements

The policyholder is free to choose the professional repairer of their choice for any guaranteed damage (Article L.211-5-1 of the Insurance Code); for glass claims, a simplified procedure with direct billing is available through an approved repairer, subject to prior authorization from L'olivier Assurance (claim number) before any repair or replacement is undertaken.

Territorial scope

For guarantees other than mandatory civil liability and CatNat/CatTech, the policy applies in Metropolitan France (including Corsica), the DROM-COM, and, for stays under 90 days, Andorra, Gibraltar, Liechtenstein, San Marino, Vatican and Monaco plus green-card system states, excluding Azerbaijan, Belarus, Israel, Iran, Morocco, Russia, Tunisia and Turkey. Separately, the insured vehicle must be habitually garaged in Metropolitan France; Monaco and Corsica are excluded as habitual garaging locations.

Anti-theft requirements

A description of the vehicle's theft-prevention measures (mechanical or electronic anti-theft device) may be requested by the insurer at subscription; this device forms part of the insured vehicle's definition and its proper functioning conditions the effectiveness of the Vol guarantee.

Claim notification deadline

General claims must be declared within 5 business days; theft or attempted theft within 2 business days; natural/technological catastrophe claims within 30 days of publication of the official ministerial order; failure to respect these deadlines can result in loss of indemnity rights if the insurer proves resulting prejudice, unless due to force majeure.

Deductible rules

Deductibles vary by guarantee and are shown in the policy's Dispositions Particulières; they can be adjusted at the quote stage. A statutory deductible (currently €380) applies to the CatNat guarantee and is revised by ministerial order. An additional 'conduite exclusive' deductible applies if the vehicle is driven by someone other than the declared principal/secondary driver, and a 'prêt de volant' deductible (€0–1,600) applies for undeclared, inexperienced or aggravating-circumstance drivers; these deductibles can be cumulative with the standard claim deductible.

Comprehensive all-accident damage coverage

Core coverage of the Tous Risques product covering all accidental damages to the insured vehicle, including when the policyholder is at fault

Broken glass coverage

Coverage for damage to windscreen, side windows, rear window, headlights, and sunroof of the insured vehicle

Theft and fire coverage

Coverage for theft, attempted theft, fire and explosion damage to the insured vehicle

Storm and natural forces coverage

Coverage for damage caused by storms, wind, hail, and other natural forces not qualifying as declared natural disasters

Natural and technological disasters coverage

Coverage for damage from officially declared natural disasters and technological disasters, subject to deductible set by government decree

Liability insurance (mandatory)

Mandatory coverage for damage and injury caused to third parties in accidents where policyholder is at fault, up to 50 million euros

Legal defense and recourse coverage

Coverage for legal defense costs and recourse procedures in civil and criminal disputes arising from accidents

Driver personal accident coverage

Coverage for medical expenses and bodily injury of the driver (and passengers) capped at 100,000 euros when driver is at fault or third party unidentified

Vehicle roadside assistance

Breakdown and towing assistance with 50 km deductible in case of vehicle breakdown

Terrorism and attack coverage

Coverage for damage to the vehicle resulting from terrorist acts or attacks

Deductible (franchise)

Amount that remains the policyholder's responsibility in each claim; varies by guarantee type and claim circumstances

Claims notification and handling procedure

Policyholder must declare incidents within timeframe specified in general terms; provide evidence, expert reports, and proof of other insurance; automatic indemnity processing begins after claim declaration

Premium payment terms

Premium payable in advance at annual due date or in monthly installments; payment methods include bank card, direct debit, or wire transfer in case of non-payment

Eligible vehicles

Tous Risques covers standard passenger cars; excludes quadricycles, tricycles, motorcycles, caravans/trailers over 750kg, and certain commercial/professional use vehicles

Geographic coverage

Liability coverage applies in metropolitan France (Corsica included) and green card zone countries excluding Azerbaijan, Belarus, Israel, Iran, Morocco, Russia, Tunisia, Turkey

Contract duration and renewal

Contract is renewable annually and automatically renewed unless terminated by either party within specified timeframes before anniversary date

Duty of accurate risk declaration

Subscriber must provide accurate information about risk factors (driver age, permit validity, vehicle use, etc.) at subscription and within 15 days of any material changes

Optional coverage packs and extensions

Tous Risques can be enhanced with Security Pack (driver coverage up to 1M euros, from 8€/month) and Premium Pack (1M driver coverage + Valued Amount Guarantee up to 2,000€, from 12€/month); Assistance+ (0km towing, EU coverage) available at 2.50€/month