Société Générale Assurances Casco (own-damage car insurance) (Assurance Automobile Tous Risques)
Underwritten by Sogessur · France
casco (own-damage car insurance) from Société Générale Assurances for the France market, with online purchase and 24/7 assistance.
Verified Aug 29, 2026 · Terms dated 2023-05Sources
Key facts
- Société Générale Assurances
Unique selling points
Repairs carried out through the roughly 2,000-garage approved partner network are guaranteed for life, and policyholders never advance the repair costs.
24/7 breakdown assistance with a 1-hour roadside response commitment, or a €30 reimbursement if the commitment is not met.
The optional 'Indemnisation renforcée' reimburses the full purchase price for a destroyed vehicle during the first 36 months, then expert replacement value plus 30%, capped at the purchase price.
Enhanced driver protection raises bodily injury compensation for the driver up to €1,000,000, more than double the €400,000 standard limit.
A minimum guaranteed payout of €1,200 applies for total loss or unrecovered theft claims, regardless of the vehicle's assessed value.
Coverage limits
Own Damage (All Accidents) Coverage
Covered
Covers accidental damage to the insured vehicle from collision with an external object, roll-over without prior collision, vandalism (subject to a police complaint), transport by air/river/sea/land, and door/bonnet impacts. Without the Indemnisation renforcée option, indemnity for a repairable vehicle is the cost of repairs capped at the expert-assessed replacement value; with the option, a destroyed/irreparable vehicle is reimbursed at its purchase price for the first 36 months from first registration, then at expert replacement value plus 30% (capped at purchase price), less deductible.
Section: Conditions Générales - L'assurance de votre véhicule > DOMMAGES TOUS ACCIDENTS
Les dommages accidentels subis par le véhicule assuré directement consécutifs à : - un choc contre un corps extérieur au véhicule, - un versement sans collision préalable, - un acte de vandalisme sous réserve qu'une plainte soit déposée auprès des autorités de police ou de gendarmerie, - son transport par voie aérienne, fluviale, maritime ou terrestre, - un choc entre une portière ou le capot, et la carrosserie.
Total Loss / Economically Irreparable Vehicle Coverage
Covered
If the vehicle is destroyed, declared economically irreparable, or stolen and not recovered, indemnity (without the Indemnisation renforcée option) is the expert-assessed replacement value on the day of the loss, capped at the purchase price, less salvage value if retained. A minimum guaranteed indemnity of €1,200 TTC applies in these cases regardless of assessed value.
Section: Conditions Générales - Les dispositions en cas de sinistre > L'indemnisation des dommages
Si le véhicule assuré est complétement détruit ou déclaré économiquement irréparable, l'indemnité correspond au montant de la valeur de remplacement du véhicule à dire d'expert, appréciée au jour du sinistre dans la limite du prix d'achat, déduction faite du prix de l'épave si vous la conservez.
Partial Loss / Repairable Vehicle Coverage
Covered
If the insured vehicle is repairable, the indemnity corresponds to the cost of repairs as evaluated by the insurer's claims department or expert, without exceeding the expert replacement value of the vehicle on the day of the loss, less the applicable deductible.
Section: Conditions Générales - Les dispositions en cas de sinistre > L'indemnisation des dommages
Si votre véhicule est réparable, l'indemnité correspond au coût des réparations évalué par le service Indemnisation ou par l'expert sans dépasser la valeur de remplacement du véhicule à dire d'expert au jour du sinistre.
Theft Coverage
Covered
Covers theft and attempted theft of the insured vehicle, dispossession during a sale test-drive, and theft of vehicle components even if the vehicle itself is not stolen. A minimum guaranteed indemnity of €1,200 TTC applies if the vehicle is not recovered; accessories are capped at €200 TTC per claim. Cover is conditional on any anti-theft protection devices stated in the Special Conditions, proof of which must be produced after a claim.
Section: Conditions Générales - L'assurance de votre véhicule > VOL
Le vol du véhicule assuré, - La tentative de vol du véhicule assuré ; Elle se définit comme le commencement d'exécution du vol du véhicule et se matérialise par des traces matérielles relevées sur le véhicule, telles que l'effraction des serrures, le forcement de l'antivol de direction, la modification des branchements électriques du démarreur, - La dépossession du véhicule assuré au cours d'essais en vue de sa vente à condition que la carte grise n'ait pas été remise au prétendu acquéreur, - Le vol des éléments du véhicule assuré même si celui-ci n'est pas volé.
Glass Breakage Coverage
Covered
Covers repair or replacement of the windscreen, rear window, side windows, and front/fog headlight lenses. Indemnity is limited to the cost of parts and the number of labour hours defined by the manufacturer at local market prices, on presentation of the original paid invoice; a prior claim number from the insurer's claims line is required before any repair.
Section: Conditions Générales - L'assurance de votre véhicule > BRIS DE GLACE
Les frais de réparation ou de remplacement des verres, glaces ou verres organiques : - du pare-brise, de la vitre arrière, des glaces latérales, - des optiques de phares avant prévus en série ou en option constructeur, les optiques de phares anti brouillards avant.
Fire and Natural Events / Natural Catastrophe Coverage
Covered
Covers fire or explosion, lightning strike, storm, hail, flood, hurricane, cyclone, tornado, tidal wave, avalanche, landslide, falling rocks, and the weight of snow, plus electrical damage from a short-circuit. Natural Catastrophe cover pays for direct uninsurable material damage once an official interministerial decree recognising the state of natural catastrophe is published; a legal deductible of €380 per damaged vehicle applies. These guarantees apply in France only.
Section: Conditions Générales - L'assurance de votre véhicule > INCENDIE ET ÉVÉNEMENTS NATURELS
un des événements naturels suivants : chute de la foudre, tempête, grêle, inondation, ouragan, cyclone, tornade, raz de marée, avalanche, éboulement de terrain, chute de pierres, - l'action du poids de la neige.
Vandalism Coverage
Covered
Vandalism is covered as part of the All Accidents Damage guarantee, provided a complaint is filed with the police or gendarmerie.
Section: Conditions Générales - L'assurance de votre véhicule > DOMMAGES TOUS ACCIDENTS
un acte de vandalisme sous réserve qu'une plainte soit déposée auprès des autorités de police ou de gendarmerie
Roadside Assistance / Towing
€160 – €300
Mondial Assistance organises and covers on-site breakdown assistance or towing to the nearest garage, up to €160 TTC in the daytime and €300 TTC at night/weekends/public holidays/on motorways; the insurer promises a 1-hour response or reimburses €30. A kilometre-based deductible of 25 km normally applies for breakdown, but this is waived (0 km) for accident, puncture, fuel error and lost/broken/locked-in keys, and fully waived for all events under the optional Assistance renforcée included by default in the Tous Risques Plus formula.
Section: Convention d'Assistance - ASSISTANCE AUX VÉHICULES > ASSISTANCE AUX VÉHICULES ET AUX PASSAGERS
Dépannage sur place ou remorquage du Véhicule immobilisé ou retrouvé • 160 € TTC maximum en journée • 300 € TTC maximum [nuit/jour férié/ Week-end/ grutage/treuillage/ autoroute] Remorquage vers le garage qualifié ou agréé par la compagnie d'assurance le plus proche du lieu de l'événement garanti.
Replacement Vehicle
Conditional
Under the Assistance renforcée service, a replacement vehicle (up to category D, unlimited mileage) is provided for a maximum of 7 days in case of breakdown, 15 days in case of accident/attempted theft/vandalism, and 30 days in case of theft, fire or write-off, provided towing was organised by Mondial Assistance. This service is included by default in the Tous Risques Plus formula and available as a paid option in the Tous Risques and Leasing formulas.
Section: Convention d'Assistance - ASSISTANCE RENFORCÉE
En cas de Panne : 7 jours maximum, En cas d'Accident, Tentative de vol et Acte de vandalisme : 15 jours maximum, En cas de Vol, Incendie ou Epave : 30 jours maximum. Dans la limite d'une catégorie D. Le remorquage doit avoir été organisé par Mondial Assistance
Driver Personal Accident Protection
€400K – €1M
Compensates the driver's bodily injury (permanent functional deficit, third-party assistance, medical costs, loss of earnings, pain and suffering, aesthetic and enjoyment prejudice) or death, up to a total of €400,000 (of which up to €200,000 for third-party assistance and up to €10,000 for funeral costs) under the standard Protection du conducteur guarantee, requiring a permanent functional deficit above 10%. The enhanced 'Protection du conducteur renforcée' raises the ceiling to €1,000,000 (same sub-limits) and lowers the qualifying threshold to a permanent functional deficit above 5%; it is included by default in the Tous Risques Plus formula and available as a paid option in the Tous Risques and Leasing formulas.
Section: Conditions Générales - La Protection du conducteur renforcée
MONTANTS D'INDEMNISATION MAXIMUM Ensemble des préjudices : 1 000 000 euros - Dont assistance d'une tierce personne : 200 000 euros - Dont frais d'obsèques : 10 000 euros
Key conditions
Driver age and experience limit
Coverage does not apply if the driver has not reached the legal driving age or does not hold a valid driving licence at the time of the loss. A specific 'prêt de volant' deductible applies when the vehicle is driven by someone other than the designated drivers, unless that person has held a licence for at least 3 years.
Repair network requirements
Policyholders have free choice of repairer (article L 211-5-1 of the Insurance Code), but can also use the insurer's partner network of around 2,000 qualified or approved garages, where repair costs are not advanced and repairs are guaranteed for life.
Anti-theft requirements
For certain vehicles, the Theft guarantee is conditional on the protective devices specified in the Special Conditions (e.g. window etching, electronic immobiliser); proof of these devices must be provided after a claim, failing which all right to indemnification is lost.
Claim notification deadline
Accidents, fire and other events (excluding theft) must be declared within 5 business days; theft or attempted theft must be reported to the police within 2 business days and the receipt forwarded to the insurer; Natural Catastrophe claims must be declared within 30 days of the publication of the official decree recognising the state of natural catastrophe.
Deductible rules
Deductibles ('franchises') apply per type of guarantee (damage, theft, fire, glass breakage, natural catastrophe) as stated in the Special Conditions and can be cumulative; the natural catastrophe deductible is set by law at €380 per damaged vehicle; the damage deductible is doubled if the declared annual mileage cap (e.g. 6,000 km) is exceeded; a specific deductible of 20% (capped at €100) applies when damage is limited to a panoramic roof or sunroof.
Direct payment
Policyholders who use one of the insurer's roughly 2,000 qualified/approved partner garages do not need to advance repair costs, and repairs carried out there are guaranteed for life.
Territorial scope
Cover applies in metropolitan France, the French overseas departments and regions, and EU member states (for stays over 3 months only the Civil Liability guarantee applies); for stays under 3 months cover also extends to Vatican City, San Marino, Monaco, Liechtenstein and non-EU Green Card countries not crossed out; Natural Catastrophe, Attack/Terrorism and Technological Catastrophe guarantees apply in France only.
Documents
Policy specifics
Legal Defense and Recourse
Defense and legal recourse coverage following an accident, included in standard formulas
SourceSection: Formule Tiers > Principales garanties
Responsabilité Civile, Défense Pénale et Recours suite à accident
Windscreen Damage Coverage
Coverage for repair or replacement of cracked or broken glass elements caused by storms or objects projected by wind
SourceSection: Quels sont les événements naturels couverts par l’assurance auto ? > Garantie bris de glace
La garantie bris de glace couvre la réparation ou le remplacement des éléments en verre fêlés ou cassés de votre voiture par une tempête de grêle ou d’objets projetés par des rafales de vent
Natural Events Coverage
Coverage for vehicle damage caused by natural events, including protection even without official declaration of natural disaster status
SourceSection: Quels sont les événements naturels couverts par l’assurance auto ? > Garantie tempête et autres événements naturels
Elle offre une protection même sans la publication d'un arrêté ministériel au Journal officiel déclarant l'état de catastrophe naturelle.
Personal Accident Protection - Driver
Personal accident protection for driver with coverage up to 1 million euros depending on formula
SourceSection: ASSURANCE AUTOMOBILE > Avantages :
Une option Protection du Conducteur performante jusqu’à 1 million d’euros.
Replacement Vehicle Loan During Repair
Following immobilisation of the insured vehicle due to breakdown or accident, the policyholder may request a temporary transfer of cover to a vehicle lent by the repairing garage, until repairs are complete, up to a maximum of 30 days.
SourcePage 23Section: Conditions Générales - Les plus produit > L'IMMOBILISATION DE VOTRE VÉHICULE
À la suite d'une immobilisation de votre véhicule en cas de panne ou d'accident, vous pouvez contacter Allô Contrat pour demander un transfert provisoire des garanties souscrites pour celui-ci, sur un véhicule prêté par le garage en charge des réparations, jusqu'à sa remise en état et dans la limite d'une durée maximale de 30 jours.
Authorized Repair Network
Policyholders can choose from 2,000+ qualified or approved garages without advancing repair costs; repairs are guaranteed for life
SourceSection: Les principaux avantages de votre assurance voiture > Une assistance efficace
Vous pouvez choisir parmi l'un des 2 200 garages qualifiés ou agréés par la Compagnie d'Assurance : vous n'avancez pas les frais de réparation et les réparations sont garanties à vie
Breakdown Assistance Service
Mondial Assistance provides 24/7 assistance, with a 1-hour response commitment or €30 reimbursement; 0 km deductible applies for accident, puncture, fuel error and lost/broken keys, while a 25 km deductible applies for breakdowns unless Assistance renforcée is held.
SourceSection: Les principaux avantages de votre assurance voiture > Une assistance efficace
Mondial Assistance, partenaire de la Compagnie d'Assurance, est joignable 24h/24, 7j/7 En cas d'accident ou de panne, vous êtes dépanné en 1h ou nous vous remboursons 30€
Selectable Deductible Levels
Five selectable deductible levels available; deductible is determined at subscription and shown in the Conditions Particulières (Special Conditions/Schedule)
SourceSection: Assurance Auto : questions les plus fréquentes > Qu'est-ce que la franchise Assurance Auto ?
La franchise est la somme qui reste à votre charge après indemnisation de votre assureur en cas de sinistre. Elle est déterminée au moment de l'adhésion, vous la trouverez dans vos Conditions Particulières du contrat.
Claims Declaration Deadline
Mandatory declaration of claim within 5 business days following the incident; all supporting documents must be provided to the insurer for assessment
SourcePage 4Section: Vos contacts
Il est indispensable de faire votre déclaration dans un délai de 5 jours ouvrés après le sinistre.
Risk Aggravation Notification Requirement
Policyholders must notify the insurer within 15 days of becoming aware of any circumstance that increases or creates new risks
SourcePage 2Section: Quelles sont mes obligations ? > En cours de contrat
Signaler toute circonstance nouvelle aggravant les risques ou en créant de nouveaux dans les 15 jours où vous en avez eu connaissance.
Sources
- particuliers.sg.frhttps://particuliers.sg.fr/assurances/nos-offres/assurance-auto(opens in a new tab)
- particuliers.sg.frhttps://particuliers.sg.fr/nos-conseils/assurer/intemperies-prise-en-charge-assurance-automobile(opens in a new tab)
- particuliers.sg.frhttps://particuliers.sg.fr/pri/static/sbm/catalogue/assurance-automobile.html(opens in a new tab)
- particuliers.sg.frhttps://particuliers.sg.fr/static/Particuliers/Medias/Home/Assurances/Assurances_vehicules/Auto/Ipid_assurance_automobile.pdf#page=2(opens in a new tab)
- particuliers.sg.frhttps://particuliers.sg.fr/static/Particuliers/Medias/Home/PDF/Auto_CG_SGRF_DOM_SOGESSUR_DocCliCont.pdf#page=18(opens in a new tab)
- particuliers.sg.frhttps://particuliers.sg.fr/static/Particuliers/Medias/Home/PDF/Auto_CG_SGRF_DOM_SOGESSUR_DocCliCont.pdf#page=19(opens in a new tab)
- particuliers.sg.frhttps://particuliers.sg.fr/static/Particuliers/Medias/Home/PDF/Auto_CG_SGRF_DOM_SOGESSUR_DocCliCont.pdf#page=20(opens in a new tab)
- particuliers.sg.frhttps://particuliers.sg.fr/static/Particuliers/Medias/Home/PDF/Auto_CG_SGRF_DOM_SOGESSUR_DocCliCont.pdf#page=23(opens in a new tab)
- particuliers.sg.frhttps://particuliers.sg.fr/static/Particuliers/Medias/Home/PDF/Auto_CG_SGRF_DOM_SOGESSUR_DocCliCont.pdf#page=26(opens in a new tab)
- particuliers.sg.frhttps://particuliers.sg.fr/static/Particuliers/Medias/Home/PDF/Auto_CG_SGRF_DOM_SOGESSUR_DocCliCont.pdf#page=4(opens in a new tab)
- particuliers.sg.frhttps://particuliers.sg.fr/static/Particuliers/Medias/Home/PDF/Auto_CG_SGRF_DOM_SOGESSUR_DocCliCont.pdf#page=41(opens in a new tab)
- particuliers.sg.frhttps://particuliers.sg.fr/static/Particuliers/Medias/Home/PDF/Auto_CG_SGRF_DOM_SOGESSUR_DocCliCont.pdf#page=42(opens in a new tab)
Société Générale Assurances Casco (own-damage car insurance)