Carrefour Assurance Motor third-party liability (Assurance Auto)

Roadside assistance intervenes even within the usual 25 km trigger radius when the breakdown occurs on the parking lot of a Carrefour store.

Driver protection is included as standard in every Tiers formula, with no option required, and pays out even when the insured driver is at fault.

The Intégrale formula raises driver-protection compensation up to €1,000,000 and removes the minimum-distance trigger for breakdown assistance (0 km vs 25 km).

Legal disputes are handled by a dedicated legal-protection claims team, separate from standard claims handling, covering both accident and non-accident vehicle-related litigation.

Driver restrictions

Drivers must hold a driving licence valid for the category of vehicle driven. According to the IPID, any driver not evidencing 36 months of insurance coverage over the last 36 months preceding subscription is excluded from the product's scope.

Claim notification deadline

Claims must be declared within 2 business days in case of theft, within 30 days following publication of the relevant ministerial decree for natural or technological catastrophes, and within 5 business days for all other claims.

Bonus-malus rules

Standard French bonus-malus (coefficient de réduction-majoration) system: the coefficient starts at 1, decreases by 5% per claim-free year (7% for 'Tournées'/'Tous Déplacements' usage), increases by 25% per at-fault claim (20% for those usages), cannot exceed 3.50, and cannot fall below 0.50; after two consecutive claim-free years the coefficient cannot exceed 1.

Territorial scope

Covers Metropolitan France and DOM, EU countries and countries listed on the insurance Green Card, Andorra, Monaco, Liechtenstein, the Holy See and San Marino. Assistance, legal recourse (Recours de l'Assuré), automotive legal protection and vehicle damage guarantees are only granted for stays not exceeding three months abroad. Natural catastrophe and technological catastrophe guarantees apply in Metropolitan France, DOM, Saint-Pierre-et-Miquelon and Wallis and Futuna. In the event of a claim caused by a terrorist attack, guarantees apply on French territory only.