
Altima Motor third-party liability (Assurance Automobile Classique)
Underwritten by Altima Assurances · France
motor third-party liability insurance from Altima for the France market, with 24/7 assistance.
Verified Aug 29, 2026 · Terms dated 2025-02Sources
Key facts
- Altima
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.
Free choice of repairer in all cases of covered damage, with no obligation to use a network garage.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
unlimited
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.
Section: Qu'est-ce qui est assuré ? > 1/ LES GARANTIES PERMANENTES > Protection juridique
Une intervention judiciaire ne pourra être exercée si le montant du dommage supporté par l'assuré est < 750 €. En cas de recours amiable, seuil d'intervention : 150 €.
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.
Section: Où suis-je couvert ?
En France métropolitaine, dans l'ensemble des territoires des États membres de l'U.E., ainsi que dans les pays énumérés sur la carte internationale d'assurance « carte verte ».
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.
Section: 8.3 GARANTIES D'ASSISTANCE AU VEHICULE > 8.3.1 Véhicule immobilisé en France et à l'étranger > a) Dépannage-remorquage
Les frais de dépannage ou de remorquage sont pris en charge par IMA ASSURANCES à concurrence de 180 €, le coût des pièces détachées restant à la charge du bénéficiaire.
Driver bodily injury / accident guarantee
€150K – €450K
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).
Section: Qu'est-ce qui est assuré ? > 1/ LES GARANTIES PERMANENTES > Dommages corporels du conducteur
Capital proportionnel au taux d'incapacité permanente partielle à partir de 10% (150 000 € ou 450 000 € selon la formule choisie).
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.
Section: 3.3 LA GARANTIE RESPONSABILITE CIVILE > 3.3.1 Les personnes assurées
Ont la qualité d'assuré : - le propriétaire du véhicule assuré, - les passagers du véhicule assuré, - le conducteur et/ou le gardien du véhicule assuré.
Key conditions
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.
Documents
Insurance Product Information Document (IPID) (opens in a new tab)
Product information sheet · PDF
General Terms and Conditions - Bon Conducteur (February 2025) (opens in a new tab)
Terms & conditions · PDF
Information Notice and General Terms and Conditions (January 2024) (opens in a new tab)
Terms & conditions · PDF
Policy specifics
Vehicle assistance services
Roadside assistance and vehicle support services included in the insurance contract
SourceDriver bodily injury protection
Coverage for the driver's bodily injuries in case of accident
SourcePage 1Section: Qu'est-ce qui est assuré ? > 1/ Les garanties permanentes > Dommages corporels du conducteur
Les garanties précédées d'une coche ü sont systématiquement prévues au contrat.
Glass breakage
Coverage for windshield and glass damages
SourcePage 1Section: Qu'est-ce qui est assuré ? > 2/ Les garanties optionnelles > Protection du véhicule
Bris d'éléments vitrés.
Theft protection
Coverage for vehicle theft
SourcePage 1Section: Qu'est-ce qui est assuré ? > 2/ Les garanties optionnelles > Protection du véhicule
Vol.
Valid driving license requirement
Driver must hold a valid driving license to be covered
SourcePage 27Section: 3.6 LE PRET DU VEHICULE
Vous avez la possibilité de prêter le véhicule à un conducteur occasionnel, titulaire d'un permis de conduite en état de validité.
Vehicle usage restrictions
Specific conditions apply based on vehicle usage category
SourceClause 2.3.1Page 11Section: 2.3 L'USAGE DE VOTRE VEHICULE > 2.3.1 Les usages
Vous devez choisir parmi l'un des quatre usages suivants :
Geographic coverage scope
Guarantees apply within defined geographic territories
SourceClause 2.4Page 12Section: 2.4 LA TERRITORIALITE DES GARANTIES
Sous réserves des dispositions propres aux prestations d'assistance, les garanties de votre contrat s'exercent :
Sources
- altima-assurances.frhttps://www.altima-assurances.fr/particuliers/auto/assurance-auto(opens in a new tab)
- altima-assurances.frhttps://www.altima-assurances.fr/sites/default/files/produits/auto/classique/Conditions%20g%C3%A9n%C3%A9rales%20Bon%20Conducteur%20022025.pdf#page=11(opens in a new tab)
- altima-assurances.frhttps://www.altima-assurances.fr/sites/default/files/produits/auto/classique/Conditions%20g%C3%A9n%C3%A9rales%20Bon%20Conducteur%20022025.pdf#page=12(opens in a new tab)
- altima-assurances.frhttps://www.altima-assurances.fr/sites/default/files/produits/auto/classique/Conditions%20g%C3%A9n%C3%A9rales%20Bon%20Conducteur%20022025.pdf#page=2(opens in a new tab)
- altima-assurances.frhttps://www.altima-assurances.fr/sites/default/files/produits/auto/classique/Conditions%20g%C3%A9n%C3%A9rales%20Bon%20Conducteur%20022025.pdf#page=22(opens in a new tab)
- altima-assurances.frhttps://www.altima-assurances.fr/sites/default/files/produits/auto/classique/Conditions%20g%C3%A9n%C3%A9rales%20Bon%20Conducteur%20022025.pdf#page=27(opens in a new tab)
- altima-assurances.frhttps://www.altima-assurances.fr/sites/default/files/produits/auto/classique/Conditions%20g%C3%A9n%C3%A9rales%20Bon%20Conducteur%20022025.pdf#page=50(opens in a new tab)
- altima-assurances.frhttps://www.altima-assurances.fr/sites/default/files/produits/auto/classique/ipid_autoa.pdf#page=1(opens in a new tab)