Thélem assurances Casco (own-damage car insurance) (Mon Assurance Auto)

Covers damage to the insured vehicle from collision with a fixed or mobile object (including wild animals), vehicle overturning, avalanches, rockfalls, landslides and floods. Indemnity is based on the vehicle's market value (valeur vénale) before the loss, minus deductible, or on the purchase price if the loss occurs within 12 months of first registration and the vehicle was bought from a motor professional. Only available when the 'Dommages tous accidents' guarantee has been subscribed.

In case of total destruction (declared technically or economically irreparable) or theft not recovered within 30 days of the police report, indemnity equals the vehicle's market value before the loss minus deductible, or the purchase price if the loss occurs within 12 months of first registration. Minimum indemnity floors of 1,200 EUR (2,000 EUR if Dommages tous accidents is included) apply. The optional Pack Indemnité+ increases indemnity based on vehicle age (up to purchase value if <36 months, market value +30% if 36-60 months, +40% beyond 60 months).

When repair cost is lower than the vehicle's market value before the loss, indemnity equals the cost of repairs, minus any applicable deductible.

Covers disappearance of the insured vehicle, theft of the car radio, fixed audio/video equipment, or vehicle components (e.g. wheels, roof box), and interior/exterior damage resulting from theft or attempted theft. Theft is excluded if keys were left in, on, or under the vehicle unless there was forced entry into a locked private garage or gate, or violence was used.

Covers accidental breakage of windscreen, side windows, rear window, headlight lenses, and translucent roof panels, at replacement value. Windscreen repair (instead of replacement) avoids the deductible where one applies. Optional in Formule 1; included in Formule 2 and Formule 3.

Covers damage from an officially declared natural catastrophe, technological catastrophe, terrorism/attacks, and storm (wind over 100 km/h or equivalent damage), hail, or snow/ice falling from roofs. Granted automatically in Formule 1 only if the glass-breakage option is subscribed; included in Formule 2 and Formule 3.

Vandalism consecutive to theft or attempted theft is covered under the Vol (theft) guarantee, available from Formule 2. Vandalism not consecutive to theft/attempted theft is covered only under the Dommages tous accidents guarantee, available only in Formule 3.

Included in all formulas with no kilometric deductible. Covers breakdown/accident/fire towing (up to 160 EUR), taxi (up to 60 EUR), hotel accommodation for passengers, and related assistance services organised by Mondial Assistance France.

Included via the base Assistance guarantee: category A/B (or equivalent) replacement vehicle for up to 3 consecutive days in case of breakdown (max 3 times/year), 8 days for accident/fire/theft-related repairs, and 30 days for theft. The optional Pack Mobilité upgrades the replacement vehicle to a maxi classe D category for 15 days (breakdown/accident/fire/repairs after theft) or 30 days (theft). The Tous risques premium formula extends replacement vehicle cover to 30 days for all events.