AXA France (AXA France Vie S.A. / AXA France IARD S.A.)
AXA
AXA is a motor third-party liability insurance for the France market with online purchase and 24/7 assistance.
Direct payment
If the insured has the vehicle repaired by a professional repairer belonging to one of AXA's partner networks, AXA settles the repair cost directly with the repairer (net of any applicable deductible), avoiding any upfront payment by the policyholder.
Geographic scope
Metropolitan France and the French Overseas Departments and Territories (DROM-COM); liability cover also extends to Monaco and to countries signatory to the multilateral Green Card agreement.
Motor third-party liability applies in mainland France, the DROM-COM, Monaco, and other signatory states of the multilateral Green Card agreement (EU/EEA states, UK, Switzerland, Andorra, Balkan states, etc.). In non-signatory countries (e.g. Morocco, Turkey, Ukraine, Azerbaijan, Albania, Moldova, North Macedonia, Tunisia) cover remains subject to presentation of an international motor insurance certificate (Green Card) issued on request. The list of covered countries should be checked on the Bureau Central Français website (www.bcf.asso.fr) before travelling abroad.
Unique selling points
- Guaranteed roadside intervention within 1 hour anywhere in mainland France or Monaco, with a €30 indemnity paid if the deadline is missed.
- 'Joker' service offers under-25 drivers up to 5 free taxi rides home per year (within 50 km) when unfit to drive, a benefit many competitors do not include as standard.
- Glass breakage cover is already included from the second-lowest 'Tiers Essentielle' tier, whereas many insurers only offer it as a paid extra on third-party-only policies.
- Driver protection guarantee is included in every formula with a minimum €250,000 cap, upgradable to as much as €2 million via the optional 'Pack tranquillité'.
- Cashless repairs with no upfront payment (beyond any deductible) when using AXA's partner repairer network, plus a replacement vehicle where available.
Coverage limits
Bodily injury liability (third-party)
unlimited
Cover for bodily injury caused to third parties by the insured vehicle is unlimited in amount; this is the compulsory minimum motor liability guarantee under French law.
Property damage liability (third-party)
€100,000,000
Third-party property damage liability is capped at an amount stated in the Special Conditions; the product information document indicates a limit of €100 million for material damage.
Legal defence and recovery following an accident
€20,000
Covers criminal defence costs and a recovery/subrogation action against an identified liable third party following a road accident, theft, fire or vandalism, up to a limit stated in the Special Conditions; the current product information document indicates a limit of €20,000.
Green Card / international motor insurance certificate
Covered
Third-party liability cover automatically extends to signatory states of the multilateral Green Card agreement; for non-signatory countries (e.g. Morocco, Turkey, Ukraine), cover remains subject to an international motor insurance certificate (Green Card) provided by AXA on request.
24/7 roadside assistance
Covered
24/7 breakdown and accident assistance in mainland France and Monaco (also covering fire, theft, vandalism, glass breakage, weather events, natural/technological catastrophe, flat tyre, wrong fuel, or lost/broken/stolen keys). Towing/recovery to the nearest garage is capped at €185 incl. tax, with a guaranteed response within 1 hour or a €30 indemnity if the deadline is missed. Included in every formula; breakdown cover carries a 30 km mileage deductible unless the optional 'Pack tranquillité' is taken.
Driver injury guarantee (Sécurité / Garantie du conducteur)
€250,000
Compensates the insured driver's own bodily injury (or their heirs in case of death) following a road accident, up to €250,000 included by default in every formula; the ceiling can be raised to €500,000, €1 million or €2 million by taking the optional 'Pack tranquillité'.
Passenger accident guarantee
No limit stated
Mon Auto has no dedicated named guarantee for passenger bodily injury separate from third-party liability. Passengers injured in an accident involving the insured vehicle are compensated as third parties under the bodily injury liability (RC automobile) guarantee, not under a distinct 'passenger accident' benefit such as the one provided for the driver.
Key conditions
Territorial scope
Third-party liability applies in mainland France, DROM-COM, Monaco and other multilateral Green Card agreement signatory states; for non-signatory countries cover is subject to an international insurance certificate. Other guarantees generally apply in mainland France, DROM-COM and Monaco, and for stays not exceeding 6 consecutive months in signatory/non-signatory countries (no time limit for students studying abroad).
Green card rules
Before travelling abroad, the policyholder should check the up-to-date list of multilateral agreement signatory and non-signatory countries on the Bureau Central Français website (www.bcf.asso.fr); for non-signatory countries, AXA issues an international motor insurance certificate (Green Card) on request, which must be carried to prove third-party cover.
Driver restrictions
Cover for damage occurring while the vehicle is driven by a person who does not have the required age or a valid driving licence/certificate is excluded (subject to statutory exceptions, e.g. theft or unauthorised use); driver-specific guarantees additionally exclude a driver under the influence of alcohol above the legal limit or who refused a breath/blood test, or who used drugs confirmed by blood analysis following the accident.
Claim notification deadline
Claims must generally be reported within 5 business days of the event (2 business days for theft/attempted theft/vandalism, and within 30 days of the official publication of the natural-catastrophe order for natural-catastrophe claims); repairs must not start before the claim has been declared.
Bonus-malus rules
The statutory French bonus-malus (réduction-majoration) clause applies: each claim-free insurance year reduces the coefficient by 5% (7% for 'Tournées'/'Tous déplacements' business use), down to a floor of 0.50; each at-fault claim increases the coefficient by 25% (20% for 'Tournées'/'Tous déplacements' use, halved for partial liability), up to a cap of 3.50; the coefficient cannot exceed 1 after 2 consecutive claim-free years, and no malus is applied to a first claim occurring after at least 3 years at the 0.50 floor.
Where to buy
Policy specifics
Civil Liability
Mandatory coverage for damages caused to third parties (persons and property) as a result of the insured vehicle
SourceCriminal Defense and Recovery
Covers defense costs in criminal proceedings and recovery actions against identified third parties
SourceSource no longer reachableDriver Protection Guarantee
Covers bodily injury damages of the insured or other drivers covered by the policy in case of accident
Source24/7 Roadside Assistance
24/7 roadside assistance covering breakdown, accident recovery, and related services throughout metropolitan France and Monaco
SourceSource no longer reachableJoker Guarantee
Free taxi return for drivers under 25 years of age who are unable to drive (alcohol, fatigue) following an accident
SourceNatural Disasters and Technological Catastrophes
Coverage for damages caused by natural disasters (storms, floods, earthquakes) and technological catastrophes
SourceSource no longer reachableApplicable Deductible
Amount of each claim the insured must pay before insurer indemnifies; varies by coverage type and formula
SourceTerritorial Coverage
Geographic scope of coverage: civil liability applies in metropolitan France, DROM-COM, and signatory states per green card; other guarantees limited to metropolitan France and DROM
SourceSource no longer reachableClaims Procedure
Requirements for reporting claims: declaration within legal timeframes, provision of supporting documentation, cooperation with insurer
SourceSource no longer reachableSpecial Conditions Precedence
In case of conflict between general and special conditions, special conditions (tailored to each policy) take precedence
SourceSource no longer reachableApplicable Law
Contract governed by French law and the French Insurance Code (Code des Assurances)
SourceSource no longer reachable