Pending review

Crédit Mutuel Motor third-party liability (Auto Credit Mutuel)

Underwritten by Assurances du Crédit Mutuel IARD (ACM IARD SA) · France

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

Last verified Aug 29, 2026Sources

Online purchase24/7 helpline

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

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

TiersTiers ÉtendueTous Risques StandardTous Risques Optimale
Covered

Legal defence and recourse

€10K

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.

Section: Les garanties Crédit Mutuel auto en détail > Garantie défense-recours (DPRSA)

Le plafond global de la garantie défense-recours du contrat auto Crédit Mutuel est de : 10 000 €.

Covered

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.

Section: La carte verte, c’est fini !

Depuis le mois d’avril 2024, la présentation de la carte verte et l’affichage de la vignette verte sur votre pare-brise ne sont plus obligatoires.

Optional · Tiers Étendue, Tous Risques Standard, Tous Risques Optimale

Roadside assistance

Optional

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.

Covered

Driver bodily injury protection

€2M

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

Section: Assurance auto Crédit Mutuel : quelles formules et quelles garanties ?

Toutes incluent la responsabilité civile, la protection juridique et l'indemnisation des dommages corporels du conducteur jusqu'à 2 millions d'euros.

Passenger accident cover

No limit stated

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

Key conditions

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, which decreases after a claim-free year and increases after an at-fault claim.

Source

Section: Les questions les plus fréquentes > Comment fonctionne le bonus-malus ?

Le principe est que votre coefficient de réduction-majoration est majoré lorsque vous avez des sinistres impliquant votre responsabilité, et minoré en l'absence de sinistre.

Territorial scope

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.

Documents

Car insurance product brochure (opens in a new tab)

Table of benefits · PDF

Policy specifics

Eco-friendly mobility coverage

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

Source

Section: Une assurance automobile plus écologique > Découvrez les avantages écoresponsables de l’assurance automobile

Ainsi, en cas d’accident sur le trajet domicile-travail, la garantie dommages corporels de l’assurance auto protège l’assuré qui aurait choisi de prendre son vélo, le bus ou tout autre transport en commun. Les dommages causés à sa bicyclette sont également couverts.

Driver bodily injury protection

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

Source

Section: Quelles garanties / formules sont proposées par l’assurance auto Crédit Mutuel ? > → Formule n°1 : tiers

Vos dommages corporels sont pris en charge jusqu’à 2 millions d’euros.

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

Source

Section: Station mobilités : une révolution pour les sinistres automobiles

Ce dispositif réduit considérablement les délais de réparation : 15 jours en moyenne entre l’expertise et les réparations, contre 50 jours habituellement sur le marché.

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

Source

Sources

Crédit Mutuel Motor third-party liability

Get a quote from Crédit Mutuel(opens in a new tab)Compare Motor third-party liability insurers in France
Get a quote from Crédit Mutuel(opens in a new tab)