Covéa – Société de Groupe d'Assurance Mutuelle
MAAF
MAAF is a motor third-party liability insurance for the France market with online purchase and 24/7 assistance.
Direct payment
The policyholder has free choice of repairer. If a MAAF-approved repairer is used, no advance payment is required from the insured: the indemnity, less any deductible, is paid directly to the repairer. Otherwise, once all necessary documents are received, the indemnity is paid within 15 days of the insured's agreement or of an enforceable court decision.
Geographic scope
Metropolitan France, French overseas departments and regions (Guadeloupe, Martinique, Guyane, Réunion), European Union / EEA countries, Andorra, Monaco, Liechtenstein, Vatican City and San Marino
Coverage applies in France, EU/EEA member states, Andorra, Monaco, Liechtenstein, Vatican City, San Marino, and any country mentioned and not crossed out on the valid international Green Card. Catastrophe naturelle and terrorism/attentat cover is restricted exclusively to Metropolitan France and the overseas departments and regions (DROM).
Unique selling points
- Driver bodily-injury cover is included in every formula, even the entry-level Tiers Eco, with a permanent-invalidity capital of up to €500,000 — an area competitors often exclude from base third-party cover.
- MAAF Assistance provides a 24/7 helpline reachable even from abroad, with dedicated SOS constat support to help policyholders complete accident report forms in real time.
- The top-tier Tous Risques Confort+ formula reimburses at purchase value for near-new vehicles and includes a mechanical breakdown guarantee plus up to 20 days of replacement-vehicle cover.
- An optional legal-defence rider (Défense juridique de l'automobiliste) offers free choice of lawyer with a dedicated €16,000 cost ceiling, managed by the specialised Covéa Protection Juridique entity.
- Backed by the Covéa mutual insurance group, MAAF operates one of the largest physical branch networks in France, combined with a fully digital online quote-and-subscribe journey.
Coverage limits
Bodily Injury Third-Party Liability
unlimited
The mandatory third-party liability (Responsabilité civile) guarantee compensates bodily injuries caused to third parties by the insured vehicle; the amount of this cover is unlimited for bodily injuries, in all formulas (Tiers Eco to Tous Risques Confort+).
Material/Property Damage Third-Party Liability
€100,000,000
The mandatory third-party liability guarantee is capped at 100 million euros for material and immaterial damages caused to third parties, in all formulas.
Legal Defence and Recourse (Défense-Recours)
€16,000
Défense (civil/criminal legal defence tied to the RC guarantee, no separate cap) and Recours (recovery of the insured's own damages against a liable third party) are included in every formula; Recours costs (expert fees, lawyer fees, bailiff costs) are capped at a global 16,000 € per claim, with a scaled schedule of lawyer-fee ceilings by jurisdiction. A separate, optional add-on garantie 'Défense juridique de l'automobiliste' (managed by Covéa Protection Juridique) is also available with its own distinct 16,000 € ceiling for consumer/driver-licence disputes.
International Motor Insurance Card (Green Card)
Covered
No monetary limit applies; the international insurance card is issued as proof of RC cover abroad and is mandatory when travelling to Albania, Morocco, Moldova, North Macedonia, Tunisia, Turkey and Ukraine. It is available from MAAF advisors, the client area on maaf.fr, or the MAAF et Moi mobile app.
Roadside Assistance
Covered
No single aggregate sum exists; sublimits apply per service: towing/breakdown intervention up to 180 €, on-site accommodation up to 50 €/day for max 5 days, and (under Assistance aux personnes) medical/hospitalisation costs abroad up to 80,000 € per beneficiary. Assistance accident is included from Tiers Eco; Assistance accident et panne (breakdown+accident) is included from Tiers Essentiel upward; Assistance panne 0 km (breakdown within 50 km of home) is included only from Tous Risques Confort and is optional/absent in lower formulas.
Driver Bodily Injury (Dommages Corporels du Conducteur)
€500,000 – €1,000,000
The 'Dommages corporels du conducteur Eco' guarantee (Tiers Eco and Tous Risques Eco formulas) caps the permanent-invalidity capital at 500,000 €; the standard 'Dommages corporels du conducteur' guarantee (Tiers Essentiel, Tiers Essentiel+, Tous Risques Confort, Confort+, Leasing, Leasing+) caps it at 1,000,000 €. No capital is paid if permanent invalidity is 10% or lower; a 25% uplift applies if permanent third-party assistance is required. A death capital of 80,000 € for the spouse and per-child amounts also apply in both versions.
Passenger Cover
Covered
Passengers of the insured vehicle are covered as third parties under the Responsabilité civile guarantee (unlimited for bodily injury) without any distinct capped sum being defined for passengers specifically; carpooled passengers ('covoiturés') are automatically covered without needing to be declared.
Key conditions
Territorial scope
Coverage applies in France, EU/EEA states, Andorra, Monaco, Liechtenstein, Vatican City, San Marino, and countries mentioned and not crossed out on the valid international Green Card. Catastrophe naturelle and terrorism/attentat cover is restricted to Metropolitan France and the DROM.
Green card rules
The international motor insurance card (Green Card) is required proof of cover when driving in countries mentioned and not crossed out on it; MAAF's lexicon identifies Albania, Morocco, Moldova, North Macedonia, Tunisia, Turkey and Ukraine as countries where the card is mandatory. It is available from advisors, the client area or the mobile app.
Driver restrictions
The driver must hold a valid driving licence appropriate to the vehicle category; exceptions apply for accompanied learner-driving schemes (AAC, conduite supervisée, conduite encadrée) provided they are declared in advance. An additional deductible applies for occasional driving by an undeclared novice driver in most formulas (and for any undeclared driver in the Eco formulas).
Claim notification deadline
Claims must be declared as soon as the policyholder becomes aware of them, and at the latest: within 2 business days in case of theft, within 30 days following publication of the official cat-nat decree, and within 5 business days in all other cases.
Bonus-malus rules
Starting coefficient is 1.00. It decreases by 5% for each claim-free year (floor 0.50). Each fully responsible claim increases it by 25% (12.5% if only partially responsible), with a ceiling of 3.50. After two consecutive claim-free years the coefficient cannot exceed 1. By derogation, MAAF applies the bonus-malus coefficient even to mini-vehicles (motorised quadricycles).
Where to buy
Policy specifics
Mandatory Third-Party Liability Coverage
Legal minimum insurance covering damages caused to third parties (bodily injury and property damage) by the insured vehicle
SourceSource no longer reachableLegal Defense and Recourse
Coverage for legal defense at civil or criminal court and cost of enforcement following an accident involving third-party liability
SourceInsolvent Third-Party Coverage
Covers material damages when responsible party is identified but insolvent or uninsured, with recourse to Guarantee Fund
SourceGeographic Coverage Territory
Third-party liability coverage applies in France and countries mentioned (not struck out) on the international insurance card (Carte Verte)
SourceSource no longer reachableClaims Notification Deadline
Policyholder must declare any claim as soon as becoming aware of it and no later than deadline specified in contract
SourcePremium Payment Frequency Options
Premiums can be paid annually, semi-annually, quarterly, or monthly (10 or 12 times)
SourceSource no longer reachableDuty of Disclosure and Accuracy
Policyholder must accurately and sincerely answer all questions asked by insurer and disclose changes in circumstances affecting the risk
Source