Pending review

Assurances du Crédit Mutuel (Groupe des Assurances du Crédit Mutuel SA - GACM SA)

Crédit Mutuel

Crédit Mutuel is a motor third-party liability insurance for the France market with online purchase and 24/7 assistance.

Last verified Aug 29, 2026Reviewed by: Boleron EUUnderwritten by: Assurances du Crédit Mutuel IARD (ACM IARD SA)
Online purchase24/7 helpline

Direct payment

Oui - en cas de sinistre, si l'assuré choisit un réparateur agréé ou un spécialiste bris de glace du réseau partenaire ACM, aucun frais de réparation n'est à avancer, l'assureur prend directement en charge le règlement (tiers payant).

Geographic scope

All of France (metropolitan and overseas territories)

Coverage applies in France, EU member states, Monaco, San Marino, Liechtenstein, Vatican City, and other non-crossed-out countries on the green card; not covered in Morocco, Tunisia, Russia and Turkey.

Unique selling points

  • The Auto Crédit Mutuel contract has earned the Label d'Excellence from Les Dossiers de l'Épargne for five consecutive years.
  • Driver bodily injury protection up to 2,000,000 € is included even in the entry-level Tiers formula, well above typical market minimums.
  • An exclusive eco-friendly mobility guarantee automatically covers bicycle and public transport commuting trips in all policies.
  • The 'Station mobilités' one-stop claims center, launched in 2025, cuts average repair time to about 15 days versus a 50-day market average.
  • Policyholders benefit from a premium discount when combining the car policy with motorcycle, motorhome or home insurance contracts.

Coverage limits

Bodily injury liability

unlimited

Third-party liability for bodily injury caused to others is unlimited and included in all formulas (Tiers, Tiers Étendue, Tous Risques Standard, Tous Risques Optimale).

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Property damage liability

Covered

No limit stated

The Tiers (base) contract covers bodily injury and material damage caused to third parties; the guarantee is confirmed but the exact monetary ceiling is not published in available sources.

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Legal defence and recourse

€10,000

Legal defence and recourse guarantee is included in all formulas, with an overall intervention ceiling of 10,000 € which is somewhat limited compared to competitors.

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Green card / international insurance certificate

Covered

Since 1 April 2024, the physical green card is no longer required in France, the EEA and Switzerland, though some non-EEA countries still require it; the underlying territorial guarantee remains automatically included.

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Roadside assistance

Optional

Only in Tiers Étendue, Tous Risques Standard, Tous Risques Optimale

Full roadside assistance (via Mondial Assistance) is only available as a paid option in the simple Tiers formula, and is included by default in the higher formulas.

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Driver bodily injury protection

€2,000,000

Driver bodily injury protection is included in all formulas up to 2,000,000 €, extending to rented or borrowed vehicles.

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Passenger accident cover

No limit stated

No source distinguishes a separate passenger accident guarantee from the driver protection guarantee.

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Key conditions

Territorial scope

Covered in France, EU member states, Monaco, San Marino, Liechtenstein, Vatican City and other non-crossed-out countries on the green card; not covered in Morocco, Tunisia, Russia and Turkey.

Green card rules

Since 1 April 2024, circulation without a physical green card is possible in France, the EEA and Switzerland; some countries outside this zone still require the international insurance card.

Driver restrictions

Online subscription requires the applicant to have held a driving licence for at least two years and to have been insured for at least two years; otherwise subscription must go through an agency.

Claim notification deadline

The legal claim declaration deadline is 48 hours following the accident; failure to respect this may result in loss of cover.

Bonus-malus rules

Premiums are affected by the standard bonus-malus coefficient; in the top Tous Risques Optimale formula, the 'Joker bonus' maintains the contract rate despite up to three at-fault claims provided the bonus coefficient has been 0.5 or better for over three years.

Where to buy

Get an online car insurance quote
Car insurance product page

Documents

Car insurance product brochure

Table of benefits

Open

Policy specifics

Eco-friendly mobility coverage

Coverage for bicycle and public transport trips (domicile-travail) with bodily injury protection and bicycle damage coverage

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Driver bodily injury protection

Coverage for driver bodily injury up to 2,000,000 EUR in all ACM formulas (Tiers through Tous Risques Optimale)

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Station mobilités claims management

One-stop accident claims management facility (launched January 2025 in Mulhouse) offering complete claims handling, vehicle deposit, and replacement vehicle provision with average 15-day repair timeline

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Legal defense and recourse guarantee

Included in all ACM auto formulas (Tiers, Tiers Étendue, Tous Risques Standard, Tous Risques Optimale) providing legal representation and recourse support

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Joker bonus - Premium formula benefit

Premium feature in Tous Risques Optimale formula allowing maintenance of contract rate after up to three responsible claims, provided bonus coefficient has been 0.5 or better for 3+ years

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