Crédit Agricole Assurances
Crédit Agricole Assurances is a motor third-party liability insurance for the FR market with online purchase and 24/7 assistance.
Direct payment
Claims are handled by Pacifica directly; repair costs assessed by an expert appointed by Pacifica using manufacturer rate schedules; payment by automatic bank debit or cheque.
Geographic scope
France métropolitaine, DROM
France métropolitaine et DROM; États membres de l'UE (RC seule au-delà de 3 mois); Vatican, Saint-Marin, Monaco, Liechtenstein et autres États hors UE mentionnés sur la carte verte pour déplacements inférieurs à 3 mois. Catastrophes Naturelles, Technologiques et Attentats exclus hors France Métropolitaine.
Unique selling points
- Driver bodily injury protection included in every formula from the most basic tier, with no disability threshold and no deductible – one of the highest coverage levels in the French market.
- Avantage Bon Conducteur (ABC) discount programme offers a tariff reduction of up to 20% applied from day one of the contract based on driving history.
- Deductible gift (Cadeau de Franchise): the deductible is fully waived after 3 consecutive claim-free and payment-incident-free years, available in Tiers Intégrale and Tous Risques Intégrale formulas.
- 24/7 assistance hotline (0 800 810 812, freephone from landlines) for claims and vehicle assistance, with real-time tow truck tracking via the Mes Assurances mobile app.
- Bonus Transition Énergétique: 100 EUR refunded in the first year for policyholders insuring a 100% electric vehicle, reflecting a commitment to sustainable mobility.
Coverage limits
Third-party bodily injury liability
Covered
Mandatory civil liability covering bodily injury caused to third parties, with no upper cap and no deductible.
SourceThird-party property damage liability
Covered
Mandatory civil liability covering property damage caused to third parties, capped at 100,000,000 EUR, no deductible.
SourceLegal defence and victims' rights protection
Covered
Coverage for legal defence costs and protection of policyholder and victims' rights, capped at 3,812 EUR, no deductible.
SourceGreen card (international insurance certificate)
Covered
Coverage valid in EU member states throughout the contract period and in non-EU states listed on the green card for trips under 3 months. Beyond 3 months in EU, only civil liability applies.
SourceRoadside assistance
Covered
Vehicle assistance from 25 km in case of breakdown and from 0 km in case of accident, fire, theft or attempted theft (standard). Person assistance from 50 km from home. Upgrade to 0 km for breakdown available via the Assistance au véhicule avec véhicule de remplacement option.
SourceDriver bodily injury protection
Covered
Coverage for bodily injuries sustained by the driver, capped at 1,000,000 EUR, with no disability threshold and no deductible. Included in all formulas.
SourcePassenger accident coverage
Excluded
Passengers are covered under third-party liability when the policyholder is at fault. No separate dedicated passenger accident benefit is described in the verified sources.
SourceKey conditions
territorial_scope
Coverage applies in metropolitan France and French overseas departments and regions (DROM). Full coverage applies throughout EU member states for the life of the contract; for trips exceeding 3 months in EU territory, only civil liability is provided. Coverage also applies for trips under 3 months in Vatican, San Marino, Monaco, Liechtenstein and all other non-EU states listed on the green card. Natural disaster, technological disaster and terrorism guarantees do not apply outside metropolitan France.
green_card_rules
The green card (international insurance certificate) is valid throughout the EU for the duration of the contract, and in non-EU countries listed on the card for trips of less than 3 months. Beyond 3 months in the EU, only civil liability coverage remains in force.
driver_restrictions
The insured driver must hold a valid driving licence of the required category for the vehicle being driven. Coverage is excluded if the driver is under the legal driving age, does not hold a valid licence, is under the influence of alcohol or drugs, or refuses to submit to a breathalyser test. Any new driving circumstances must be declared by registered letter within 15 days of becoming known to the policyholder.
claim_notification_deadline
Claims must be declared within the timeframes stipulated in the contract. For theft, declaration must be made within 2 working days to the claims line 0 800 810 812. For natural disasters, declaration must be made within 30 days of the official interministerial order. For other claims, declaration must be made promptly with all relevant documents.
bonus_malus_rules
The French mandatory bonus-malus system (coefficient de réduction-majoration, CRM) applies. The starting coefficient is 1 at subscription. The coefficient decreases each claim-free year and increases following a responsible claim. Coefficients range from 0.50 to 3.50. The Avantage Bon Conducteur (ABC) provides an additional tariff reduction of up to 20% based on driving history and past claims, applied from subscription and evolving throughout the contract.
Where to buy
Policy specifics
Conductor bodily protection coverage
Coverage for bodily injuries to the driver up to specified limits depending on formula
Replacement vehicle provision
Provision of a replacement vehicle following an accident, theft, or breakdown
Vehicle assistance coverage
Roadside assistance including towing and vehicle recovery
Mechanical breakdown coverage (Panne+)
Coverage for mechanical, electronic, and electrical breakdowns with repair cost reimbursement
Windscreen and glass breakage coverage
Coverage for windscreen and glass damage from impact or breakage
Deductible waiver after claim-free period
Automatic waiver of deductible for insured events after three years without claims
Bonus-malus coefficient system
Mandatory French system reducing premiums for claim-free driving and increasing for claims
Standard contract duration
Contract is concluded for one year and automatically renewed unless cancelled
Territorial coverage scope
Coverage applies in France metropolitan and overseas departments, EU member states, and specified countries
Claim reporting deadline
Policyholder must declare claims within specified timeframes depending on event type