Altima Assurances
Altima
Altima is a motor third-party liability insurance for the France market with no online purchase and 24/7 assistance.
Direct payment
The premium is due annually in advance by the policyholder, or may be paid in monthly instalments by direct debit or cheque; it is payable at the insurer's domicile or by the means agreed and indicated on the payment notice.
Geographic scope
France (with EEA and additional listed countries)
Cover applies in metropolitan France (including Corsica), Martinique, Guadeloupe and Réunion, throughout the EEA territories, in Bosnia-Herzegovina, the United Kingdom, Montenegro, Andorra, Serbia and Switzerland, and, subject to prior insurer agreement and presentation of the green card, in Albania, Azerbaijan, Morocco, Moldova, North Macedonia, Tunisia, Turkey and Ukraine. The terrorism and catastrophe guarantees apply only to events occurring in metropolitan France, Martinique, Guadeloupe and Réunion.
Unique selling points
- 24/7 roadside and personal assistance with no kilometric deductible for accidents or theft within France.
- Optional replacement vehicle cover extendable up to 20 consecutive days in case of breakdown, accident or theft.
- Enhanced compensation (indemnisation renforcée) can be extended up to 60 months for total-loss or unrecovered stolen vehicles under the Tous risques formula.
- Guaranteed minimum vehicle compensation of €2,000 regardless of the expert-assessed replacement value.
- Free choice of repairer in all cases of covered damage, with no obligation to use a network garage.
Coverage limits
Bodily injury liability (third-party)
unlimited
Third-party bodily injury damages caused by the insured vehicle are covered without any monetary limit.
Property and consequential immaterial damage liability
€100,000,000
Material damages and consequential immaterial damages caused to third parties by the insured vehicle are covered up to a cap of €100,000,000.
Legal defence and recovery (legal protection)
Covered
Covers legal defence before any court following claims liable to trigger the Liability guarantee, and amicable or judicial recovery of damages suffered by the insured; amicable recourse is pursued once the amount at stake exceeds €150 and judicial recourse once it exceeds €750; the overall monetary limit is set out in the (undisclosed) Conditions Particulières.
Green card / international motor insurance card
Covered
An international green card is issued by the insurer on request, extending cover to countries outside the EEA listed in the contract, subject to presentation at the border and, for certain countries, prior insurer agreement.
Roadside assistance / towing
€180
Breakdown or towing costs are covered up to €180 per event, with no kilometric deductible in France; the cost of spare parts remains at the insured's expense.
Driver bodily injury / accident guarantee
€150,000 – €450,000
Included automatically in all formulas (Tiers, Tiers+, Tous risques), regardless of the driver's fault; covers medical expenses, a capital proportional to permanent incapacity, and death benefits. The permanent-incapacity capital is €150,000 or €450,000 depending on the formula/terms chosen, as set out in the Conditions Particulières (no source maps a specific amount to a specific formula).
Passenger accident guarantee
Excluded
There is no dedicated passenger-accident capital under this contract; passengers injured in the insured vehicle are indemnified as third-party victims under the Liability guarantee (article 3.3.1), not under a specific accident benefit.
Key conditions
Territorial scope
Cover applies in metropolitan France (including Corsica), Martinique, Guadeloupe and Réunion, throughout the EEA, in Bosnia-Herzegovina, the United Kingdom, Montenegro, Andorra, Serbia and Switzerland, and, subject to prior agreement and the green card, in Albania, Azerbaijan, Morocco, Moldova, North Macedonia, Tunisia, Turkey and Ukraine.
Green card rules
A green card / international motor insurance certificate is provided by the insurer on request and must be presented at the border to benefit from cover in certain non-EEA countries listed in the contract.
Driver restrictions
The driver must hold a valid driving licence appropriate to the vehicle category; cover is excluded if the driver lacks the required licence, subject to exceptions for licences invalid solely due to place/duration of residence, a dependent child driving without the policyholder's knowledge, or supervised driving lessons under applicable regulations.
Claim notification deadline
Claims must be reported within 5 working days of becoming aware of the event, within 2 working days in case of theft, and within 10 to 30 days following publication of the interministerial order in case of a natural catastrophe, depending on the contract version.
Bonus-malus rules
A statutory bonus-malus clause applies: the coefficient starts at 1, is reduced by 5% (7% for 'Tournées'/'Tous Déplacements' use) after each claim-free annual period down to a floor of 0.50, and is increased by 25% per claim (20% for 'Tournées'/'Tous Déplacements' use, halved when the driver's liability is only partial), capped at 3.50.
Policy specifics
Vehicle assistance services
Roadside assistance and vehicle support services included in the insurance contract
Source