Extracted from source documents

Suravenir Assurances Casco (own-damage car insurance) (Casco Auto Particulier)

Underwritten by Suravenir Assurances · France

casco (own-damage car insurance) from Suravenir Assurances for the France market, with 24/7 assistance.

Verified Aug 29, 2026 · Terms dated 2024-03Sources

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Key facts

Suravenir Assurances

Unique selling points

Driver bodily injury cover can be extended from the base €500,000 up to €1,000,000.

Optional 'Valeur d'Achat 2 ans' guarantee reimburses a total-loss vehicle at its original purchase price rather than depreciated market value, including the cost of the new registration document.

The Assistance Elite option provides a replacement vehicle for up to 20 consecutive days following a theft claim, with no kilometric deductible.

No deductible is applied on windscreen claims if the policyholder chooses repair instead of replacement.

With the Renfort Garanties option (Tous Risques), isolated theft of wheels and tyres is covered, with no theft deductible if anti-theft wheel nuts are fitted.

Coverage limits

Conditional

Own damage (all accidents)

100% of insured sum

Covers accidental damage caused directly to the insured vehicle by a collision with a fixed or mobile object, a collision with one or more vehicles, or overturning without prior collision, up to the vehicle's replacement value. Only available under the 'Tous risques' (comprehensive) formula.

Clause 3.7.1Page 12

Section: 3. Détail des garanties proposées > 3.7. Dommages tous accidents > 3.7.1. Objet de la garantie

Cette garantie couvre les dommages accidentels causés directement au véhicule assuré, à concurrence de sa valeur de remplacement, par : un choc avec un corps étranger fixe ou mobile, une collision avec un ou plusieurs véhicules, un versement sans collision préalable.

Covered

Total loss settlement

100% of insured sum

When the insured vehicle is declared a total loss (economically irreparable) following a covered claim (Theft, Fire, Natural Forces/Cat Nat/Cat Tech/Attacks under Tiers étendu, or All Accidents under Tous risques), settlement is based on replacement value; vehicles under 12 months old are settled at new value.

Clause 3.10.1Page 15

Section: 3. Détail des garanties proposées > 3.10. Renfort indemnisation (option) > 3.10.1. Valeur Majorée

Nous garantissons le véhicule assuré en valeur de remplacement à dire d’expert majorée de 20 % si celui-ci est déclaré économiquement irréparable à la suite d’un sinistre garanti (à l’exclusion de la garantie Bris de glace et Bris de glace étendu).

Conditional

Partial loss / repair coverage

100% of insured sum

Repair costs for the insured vehicle are covered up to its replacement value under the All Accidents guarantee (Tous risques formula only). Compensation is reduced by 50% where there is a causal link between a non-compliant technical inspection and the vehicle damage, and wear-and-tear deductions apply to worn parts (battery, tyres, exhaust, brakes, convertible roof, upholstery).

Clause 4.3.1Page 19

Section: 4. Comment fonctionnent vos garanties ? > 4.3. L'évaluation des dommages > 4.3.1. Dommages au véhicule assuré

Remarque : Le montant versé à titre d’indemnisation sera réduit de 50% s’il existe un lien de causalité entre la non-conformité du contrôle technique, selon la réglementation en vigueur, et les dommages matériels du véhicule assuré.

Covered

Theft and attempted theft

100% of insured sum

Covers loss of or damage to the insured vehicle following theft or attempted theft, up to its replacement value, with a settlement offer made within 30 days of the theft declaration provided all supporting documents (registration card, full set of original keys/start cards, purchase and maintenance invoices, police report) are supplied. The indemnity is reduced by half if any of these documents are missing.

Clause 3.3.1Page 10

Section: 3. Détail des garanties proposées > 3.3. Vol > 3.3.1. Objet de la garantie de base

Nous garantissons le règlement des dommages jusqu’à la valeur de remplacement du véhicule, l’offre vous étant faite dans un délai maximal de 30 jours à compter de la déclaration du vol à condition que toutes les pièces justificatives... soient en notre possession.

Covered

Glass breakage

100% of insured sum

Covers replacement or repair of the windscreen, side windows and rear window up to the vehicle's replacement value.

Clause 3.5.1Page 13

Section: 3. Détail des garanties proposées > 3.5. Bris de glace > 3.5.1. Objet de la garantie

Cette garantie couvre, dans la limite de la valeur de remplacement du véhicule assuré, le remplacement ou la réparation du pare-brise des glaces latérales et de la lunette arrière.

Covered

Natural perils, natural/technological catastrophes and attacks

100% of insured sum

Covers damage to the insured vehicle up to its replacement value caused by hail, avalanche, landslide, falling rocks, storm, roof snow-fall, flooding, officially declared natural catastrophes, technological catastrophes, and fire/explosion resulting from a terrorist attack.

Clause 3.6.1Page 13

Section: 3. Détail des garanties proposées > 3.6. Les garanties complémentaires

Cette garantie couvre les dommages au véhicule assuré, à concurrence de sa valeur de remplacement, lorsqu’ils sont provoqués par : la grêle, une avalanche, un glissement de terrain ou une chute de pierres, la tempête... la chute de neige de toiture d’immeubles, une inondation.

Optional · Tous risques

Vandalism

100% of insured sum

Under the optional 'Renfort Garanties' add-on and only within the Tous risques formula, accidental damage to the insured vehicle caused by malicious acts (deliberate damage or destruction by a third party) is covered.

Clause 3.9.1Page 14

Section: 3. Détail des garanties proposées > 3.9. Renfort garanties (option) > 3.9.1. Objet de la garantie

Pour la formule Tous Risques, nous garantissons les dommages accidentels au véhicule assuré du fait d’un acte de malveillance (vandalisme, c’est à-dire la dégradation ou la destruction volontaire par un tiers).

Optional

Roadside assistance

€250

Optional 24/7 assistance in case of breakdown, accident, fire, theft or key loss: 'Assistance Budget' covers towing/roadside repair beyond a 50 km radius of the home for breakdowns (up to 100€ TTC, or 190€ TTC on motorways); 'Assistance Elite' has no kilometric deductible (up to 155€ TTC, or 250€ TTC on motorways).

Clause 7.5.1Page 33

Section: 7. Convention d'assistance > 7.5. Prestations d'assistance au véhicule > 7.5.1. Dépannage/remorquage

Le coût de ce dépannage sur place ou du remorquage est pris en charge à concurrence de 100 € TTC pour l’assistance Budget ou 155 € pour l’assistance Elite... nous vous rembourserons les frais de dépannage ou de remorquage sur présentation de la facture originale à concurrence de 190 € TTC pour l’assistance Budget ou 250 € TTC pour l’assistance Elite.

Optional

Replacement vehicle

Optional

A replacement vehicle is organised after towing when the insured vehicle is immobilised, provided the policyholder has subscribed to Assistance Budget or Assistance Elite plus the specific 'véhicule de remplacement' sub-option. Under Assistance Budget: economy category, max 3 consecutive days. Under Assistance Elite: category equivalent to the insured vehicle (up to a compact car), for 5 to 20 consecutive days depending on the cause of immobilisation (breakdown, accident/fire/attempted theft, or theft).

Covered

Driver bodily injury

€500K – €1M

Covers the driver's bodily injury, whether at fault or not, in the event of an accident, subject to a permanent functional deficit (invalidity) exceeding 10%. Base coverage is up to 500,000€ across all formulas (Tiers, Tiers étendu, Tous risques). Compensation is reduced by 25% where there is a causal link between non-use of the seatbelt and the injuries sustained.

Page 6

Section: 2. Les événements garantis dans l'assurance auto du particulier

Extension Dommages Corporels du Conducteur jusqu’à 1 000 000 € avec seuil d’invalidité > 10% Option Option Option

Key conditions

Driver age and experience limit

A driver is classified as an 'insurance novice' if they have held their driving licence for less than 3 years, or cannot show continuous insurance cover for the 3 years preceding the policy's start; this affects the surcharge applied under the bonus-malus scheme.

Repair network requirements

The policyholder is free to choose the repair professional for any damage covered by the contract (Article L.211-5-1 of the Insurance Code); settlement is based solely on the expert's report and presentation of original, receipted invoices, and the insurer may pay the repairer directly on the policyholder's behalf where agreed.

Anti-theft requirements

Where the 'Protection Vol Auto' clause applies, the vehicle must be fitted with an insurer-approved anti-theft system (SRA class 4 or manufacturer protection with 4, 5, 6 or 7 keys) within 30 days of the policy's effective date; after this deadline, any theft claim is subject to a deductible equal to 5 times the standard theft deductible, with a minimum of 1,500€.

Claim notification deadline

Claims must be declared as soon as the policyholder becomes aware of them, and at the latest within 5 business days (2 business days for theft); a police complaint for theft must be filed within 48 hours of discovery, and the receipt must be kept for the claims file.

Deductible rules

Deductibles may be fixed or variable, as stated in the Special Conditions. For a variable deductible, the amount typically equals a floor (e.g. 290€) plus 10% of the damage amount, capped at a ceiling (e.g. 680€), rounded up to the nearest euro. No deductible applies if windscreen repair is chosen instead of replacement. An additional 'prêt de volant' deductible, cumulative with other deductibles, applies when the vehicle is driven by someone other than the policyholder, their spouse, civil partner or common-law partner.

Direct payment

Payment is made to the policyholder, or directly to the repairing garage where the insurer has agreed to settle on the policyholder's behalf, within 15 days from the date an agreement is reached on the amount or a final court decision is issued.

Territorial scope

Cover applies in metropolitan France, EU member states, Monaco, San Marino, Liechtenstein, the Holy See and Andorra, plus all countries listed and not crossed out on the international green card. The Civil Liability cover also applies during a trip directly linking two territories where the EU treaty applies, when no national insurance bureau exists for the territory crossed.

Documents

General Terms and Conditions - Suravenir Car Insurance (opens in a new tab)

Terms & conditions · PDF

General Terms and Conditions - Car Insurance (AcommeAssure distribution edition) (opens in a new tab)

Terms & conditions · PDF

Suravenir Assurances - Insurance Products Page (opens in a new tab)

Policy specifics

Mechanical breakdown guarantee

Optional coverage for mechanical breakdown and repairs of the insured vehicle

Source

Section: Nos distributeurs > Auto

Une couverture et un tarif adaptés à l’usage de votre voiture : assurance classique ou au kilomètre, remboursement à la valeur d’achat, garantie panne mécanique, indemnisation des dommages corporels du conducteur, une assistance 0 kilomètre – 7/7 – 24/24 et un prêt de véhicule en cas de besoin.

New value reimbursement

Coverage option providing reimbursement at purchase value instead of replacement value

Source

Section: Nos distributeurs > Auto

Une couverture et un tarif adaptés à l’usage de votre voiture : assurance classique ou au kilomètre, remboursement à la valeur d’achat, garantie panne mécanique, indemnisation des dommages corporels du conducteur, une assistance 0 kilomètre – 7/7 – 24/24 et un prêt de véhicule en cas de besoin.

Driver bodily injury coverage

Coverage for bodily injuries and compensation of the insured driver in case of accident

Source

Section: Nos distributeurs > Auto

Une couverture et un tarif adaptés à l’usage de votre voiture : assurance classique ou au kilomètre, remboursement à la valeur d’achat, garantie panne mécanique, indemnisation des dommages corporels du conducteur, une assistance 0 kilomètre – 7/7 – 24/24 et un prêt de véhicule en cas de besoin.

Mileage-based insurance option

Pay-as-you-drive or mileage-based insurance formula allowing lower premiums for reduced usage

Source

Section: Plus d'infos sur l'Assurance Auto > Avec notre assurance Auto, vous choisissez en toute simplicité les garanties adaptées à vos besoins et restez serein même en cas d’imprévus. Une offre simple ET personnalisable à votre situation

3 forfaits kilométriques adaptés à l’utilisation de votre véhicule : moins de 5 000 km, moins de 10 000 km ou plus de 10 000 km annuel ,