MAIF Casco (own-damage car insurance) (Assurance Auto Moto Vam)

Covers accidental damage to the insured vehicle from collision, loss of control, impact with a fixed or moving object, vandalism and other accidental events, indemnified up to the vehicle's replacement value as fixed by an expert on the day of the claim. Full 'tous risques' cover is only available under the Différence, Pertinence (legacy, no longer sold but retained for existing policyholders) and Plénitude formulas; Initiale only covers weather events, natural catastrophes, terrorism and technological disasters, and Essentiel additionally covers theft, fire and glass breakage but not collision/other accidental events.

When the vehicle is stolen and not recovered, or declared irreparable, MAIF indemnifies at the vehicle's replacement value as assessed by an expert. Under the Plénitude formula, recent vehicles benefit from purchase-value indemnification (up to 24 months for motorhomes, caravans, trailers, voiturettes and two/three/four-wheelers >50cm³, or up to 48 months for cars and light utility vehicles), and older vehicles (>24 or >48 months) benefit from a 10% or 20% markup on the assessed replacement value. Under Différence, Pertinence and Plénitude, a minimum guaranteed value (€1,900-€3,900 for 4-wheel vehicles, €610-€1,300 for two/three/four-wheelers >80cm³, €1,600 for caravans) applies to old low-value vehicles insured continuously on a comprehensive basis for at least 5 years. Collection vehicles are indemnified up to the value bracket chosen by the policyholder.

Repairable accidental damage (collision, impact, loss of control, vandalism) to the insured vehicle is covered up to its replacement value. Repairs carried out following any covered claim under the Vehicle Damage guarantee are guaranteed for life, excluding damage from normal wear, lack of manufacturer-recommended maintenance, bird droppings or weathering.

Covers theft or attempted theft of the insured vehicle, its fixed accessories and its equipment, indemnified at replacement value (or enhanced purchase value for recent vehicles under Plénitude, see Total Loss). No deductible applies when the thief is identified; otherwise the contractual deductible applies.

Covers breakage of the windscreen, side windows, rear window, headlight/taillight lenses and transparent sunroof when it is the only damage to the vehicle or results from a projected object, indemnified at the average local repair/replacement cost (capped at the vehicle's replacement value). A €50 deductible applies for replacement under Essentiel, Différence and Pertinence (no deductible for repair); Plénitude has no deductible at all for glass claims, whether repaired or replaced.

Covers flooding, mudslides, landslides, avalanches, windstorms (145 km/h or more sustained, or 215 km/h or more in gusts, or officially declared storms), snow weight, hail, lightning, earthquakes, volcanic eruptions, tsunamis and other officially-declared natural catastrophes. This guarantee is included in every formula, from Initiale upward, with a fixed deductible of €380 for officially declared natural catastrophes regardless of formula.

Covers acts of vandalism against the insured vehicle; only available under the 'tous risques' formulas (Différence, Pertinence and Plénitude), not under Initiale or Essentiel.

Roadside assistance and towing to the nearest garage in the event of accident, fire, theft, attempted theft or vandalism is included in every formula with no mileage deductible. Breakdown assistance is included only when the breakdown occurs more than 50 km from home (20 km in Guadeloupe, Martinique and Réunion) unless the 'Assistance panne 0km' option is purchased or the Plénitude formula is held, in which case breakdown assistance applies with no minimum distance. Towing/breakdown costs are covered up to €180 (parts, fuel and labour excluded).

Provides a courtesy vehicle following an accident, theft or breakdown. Included by default under the Plénitude formula (and the legacy Pertinence formula); available as a paid option under Initiale, Essentiel and Différence. Maximum loan durations: up to 40 consecutive days for a repairable vehicle at a partner garage (Différence with option / Plénitude), 20 days in case of theft with disappearance of the vehicle, and 7 days in case of breakdown; reimbursement of rental costs up to €40-€60 per day is available when no partner garage or courtesy vehicle can be provided.