Altima Motor third-party liability (Assurance Automobile Classique)

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.

Free choice of repairer in all cases of covered damage, with no obligation to use a network garage.

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.

Territorial scope

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.