AXA
AXA is a motor third-party liability insurance for the FR market with online purchase and 24/7 assistance.
Direct payment
AXA pays victims or their heirs directly on behalf of the insured when civil liability is established. The contractual deductible (franchise) is not opposable to victims or their heirs; AXA indemnifies them in full and then seeks reimbursement of the franchise from the insured.
Geographic scope
France métropolitaine, DROM-COM, Monaco
Responsabilité civile : France métropolitaine, DROM-COM, pays signataires accord multilatéral (Allemagne, Autriche, Belgique, Bulgarie, Chypre, Croatie, Danemark, Espagne, Estonie, Finlande, Grèce, Hongrie, Irlande, Islande, Italie, Lettonie, Liechtenstein, Lituanie, Luxembourg, Malte, Norvège, Pays-Bas, Pologne, Portugal, République tchèque, Roumanie, Slovaquie, Slovénie, Suède, Principauté d'Andorre, Bosnie-Herzégovine, Suisse, Grande-Bretagne, Monténégro, Serbie, Monaco, San Marin, Vatican, Gibraltar) et pays non-signataires sur présentation du certificat international (Albanie, Azerbaïdjan, Maroc, Moldavie, Macédoine du Nord, Tunisie, Turquie, Ukraine). Autres garanties : France métropolitaine, DROM-COM, Monaco et séjours ≤ 6 mois consécutifs dans les mêmes pays. Liste à jour au 1er janvier 2024 (Réf. 972115H) / 1er janvier 2025 (Réf. 972115I).
Unique selling points
- AXA guarantees breakdown dispatch within 1 hour anywhere in metropolitan France or Monaco, or pays the insured 30 EUR if the deadline is missed.
- The Garantie du conducteur is included in all formulas at 250,000 EUR and covers full common-law bodily injury compensation for the at-fault driver — a benefit not mandated by law.
- When repairs are made at an AXA partner garage, the insured pays no advance costs (except the deductible), receives a loan vehicle, and benefits from a 5-year repair warranty.
- Drivers under 25 benefit from the Joker service: AXA covers up to 5 taxi return trips per year of less than 50 km when the designated driver is unfit to drive, with no additional deductible applied.
- The deductible on main damage guarantees (accidents, fire, theft, climate events, attacks) decreases automatically after 2, 4, 6 and 8 claim-free years, with an additional reduction when repairs are done at an AXA partner garage.
Coverage limits
Civil liability – bodily injury (unlimited)
Covered
AXA guarantees civil liability of the insured and of all insured persons for bodily injury caused to third parties by an accident, fire or explosion involving the insured vehicle. Coverage is granted without any monetary limit for bodily injury.
SourceCivil liability – property damage (up to 100 million EUR)
Covered
AXA guarantees civil liability of the insured and insured persons for material and consequential immaterial damage caused to third parties by an accident, fire or explosion involving the insured vehicle. The limit for property damage is stated in the Conditions Particulières (IPID states 100 million EUR).
SourceCriminal defence and recourse following accident (Défense Pénale et Recours Suite à Accident)
Covered
Included in all formulas. AXA covers criminal defence costs when the insured is subject to criminal proceedings following a road traffic accident (bodily defence and civil defence), and exercises amicable or judicial recourse against identified liable third parties to obtain compensation for damage to the insured vehicle and its occupants. The guarantee is capped at the amount shown in the Conditions Particulières (IPID indicates 10,000 EUR).
SourceGreen card / International motor insurance certificate
Covered
The RC automobile guarantee applies in all countries signatory to the multilateral agreement (green card system). For non-signatory countries (Albania, Azerbaijan, Morocco, Moldova, North Macedonia, Tunisia, Turkey, Ukraine), an international vehicle insurance certificate is provided by AXA on request. The country list is updated annually (as of 1 January 2024 per Réf. 972115H, 1 January 2025 per Réf. 972115I).
SourceVehicle and personal assistance (24h/7j)
Covered
Included in all formulas. AXA Assistance is available 24/7 (tel. 01 55 92 26 92). Covers breakdown, accident, fire, theft, attempted theft, vandalism, tyre puncture, fuel error, lost/broken/stolen keys. In metropolitan France or Monaco, AXA commits to dispatch a breakdown service within 1 hour of the call; if this deadline is not met, a 30 EUR indemnity is paid. Recovery/towing covered up to 185 EUR TTC to the nearest garage. Breakdown assistance in case of mechanical, electrical, electronic or hydraulic failure, and fuel/energy breakdown. Some formulas include a kilometric franchise for breakdown (not for accidents).
SourceDriver personal injury guarantee (Garantie du conducteur)
Covered
Included in all formulas at 250,000 EUR. Optional upgrade to 500,000 EUR, 1,000,000 EUR or 2,000,000 EUR with the 'Pack tranquillité'. Covers bodily injury of the insured driver in a road traffic accident, calculated according to French common law rules (including loss of income, home care costs, permanent functional deficit above 10% AIPP, pain and suffering, aesthetic prejudice, bereavement costs in case of death). Applies even when the driver is at fault and regardless of whether a third party is identified.
SourcePassenger bodily injury (via civil liability)
Covered
Bodily injury suffered by transported passengers is covered under the mandatory civil liability guarantee (RC automobile), which indemnifies third parties including passengers for bodily harm caused by the insured vehicle. Coverage applies when transport is effected in sufficient safety conditions as defined by article A 211-3 of the French Insurance Code; otherwise AXA exercises a recourse against the responsible party. Passengers are listed as insured persons under the RC guarantee (Article 2.2). No separate standalone passenger accident capital is provided; compensation follows French common law.
SourceKey conditions
territorial_scope
RC automobile: France métropolitaine, DROM-COM, and all countries signatory to the multilateral agreement (green card). Non-signatory countries require an international certificate provided by AXA on request. Other guarantees: France métropolitaine, DROM-COM, Monaco, and stays not exceeding 6 consecutive months in the same listed countries (exception: students studying abroad). Country list current as of 1 January 2024 (Réf. 972115H); consult www.bcf.asso.fr before any trip abroad.
green_card_rules
The green card (certificat international d'assurance automobile) is issued by AXA on request for travel in non-signatory countries. For signatory countries, the standard policy certificate is sufficient. The list of signatory and non-signatory countries may evolve during the year; the updated list is available at www.bcf.asso.fr. The RC fonctionnement guarantee applies only within EU member states and the Principality of Monaco.
driver_restrictions
The driver must hold a valid driving licence of the appropriate category. If the driver does not hold the required valid licence, coverage is excluded (except in cases of violence, theft, or use of the vehicle without the knowledge of the owner/guardian). Driving under the influence of alcohol (rate punishable by at least a 4th-class offence) or narcotics (proven by blood tests) leads to exclusion of coverage under the driver accident guarantee and the damage guarantee, and may lead to policy termination. Minors using the vehicle without authorisation are covered under RC but not under other guarantees.
claim_notification_deadline
For theft, attempted theft or vandalism: the insured must file a complaint with the competent authorities within 24 hours and send the receipt to AXA within 2 working days. For all other claims (accidents, fire, etc.): declaration must be made within 5 working days (30 days for natural disasters following ministerial decree publication). Claims may be declared to the usual AXA contact, at the registered office, or via the online customer space at axa.fr. Failure to meet deadlines, absent force majeure, may result in forfeiture of coverage if AXA demonstrates prejudice.
bonus_malus_rules
The French regulated Clause de Réduction-Majoration (CRM / bonus-malus) applies compulsorily. Starting coefficient: 1.0. Each accident-free year reduces the coefficient by 5% (7% for 'tournées/tous déplacements' usage), with a minimum of 0.50. Each at-fault claim increases the coefficient by 25% (20% for 'tournées'); 12.5% (10%) if responsibility is only partial. Maximum coefficient: 3.50; after 2 consecutive claim-free years the coefficient cannot exceed 1.0. No malus is applied for the first claim after a period of at least 3 years at coefficient 0.50. Sinistres due to force majeure, third-party fault, or vehicle theft by unauthorised persons are not taken into account.
Where to buy
Policy specifics
Breakdown assistance with guaranteed response time
AXA commits to dispatch assistance within one hour of call in mainland France or provides 30 EUR compensation
Legal defense coverage
AXA provides legal defense if the insured is subject to criminal proceedings related to road traffic infractions
Driver personal injury coverage
Covers bodily injury claims of the driver and passengers, including loss of income and home care costs, even when driver is at fault
Rental vehicle provision during repairs
AXA provides a replacement rental vehicle during repairs following an insured loss, typically category B vehicle
Approved garage network for repairs
AXA offers a network of approved partner garages; use of these garages ensures zero upfront costs except franchise
Loss declaration deadline
Insured must declare accidents within 5 days and theft within 24 hours to authorities with proof of filing
Territorial coverage scope
Coverage applies in mainland France, DOM-COM, EU states listed in green card, plus specific countries (Andorra, Gibraltar, Liechtenstein, Monaco, San Marino, Vatican)
Bonus-Malus reduction-majoration clause
French regulated system applying to all insurers whereby premium is adjusted based on claim history; base 1.0 with maximum 0.50 bonus and potential malus up to 2.5
Policy commencement and renewal conditions
Contract effective date set by mutual agreement and stated in Conditions Particulières; automatic yearly renewal unless terminated