Abeille Assurances Motor third-party liability (Assurance Au Tiers)

Driver personal-injury protection marketed at up to €1.2 million, well above the basic mandatory liability minimums.

Access to a network of roughly 2,300 approved repair garages in France with no upfront payment required from the policyholder.

Modular 'Au Tiers Mini / Au Tiers Maxi' structure lets customers layer on theft, fire and glass-breakage cover onto the mandatory liability base without switching to a full comprehensive policy.

Built-in legal defence and recourse guarantee (D.P.R.S.A.) covering legal costs after an accident, on top of the mandatory liability cover.

Driver restrictions

Cover does not apply if, at the time of the loss, the driver does not hold the required age or a valid driving licence, except for minors driving without the insured's knowledge or during declared accompanied-driving.

Claim notification deadline

Claims must be reported within 5 working days generally, 2 working days for theft/attempted theft, and 30 days following publication of a natural-catastrophe order in the Official Journal.

Bonus-malus rules

Standard French bonus-malus clause applies: 5% annual premium reduction after a claim-free year (7% for 'Tournées'/professional use), minimum coefficient 0.50; each at-fault claim increases the coefficient by 25% (12.5% for shared liability), capped at 3.50; after two consecutive claim-free years the coefficient cannot exceed 1.

Territorial scope

Liability and Legal Defence/Recourse cover apply in Metropolitan France, Monaco and countries on the current Green Card or vehicle memo; other guarantees apply in the same territories for stays of less than 91 consecutive days.