Crédit Agricole Assurances
Crédit Agricole
Crédit Agricole is a motor third-party liability insurance for the France market with online purchase and 24/7 assistance.
Direct payment
Under the mandatory third-party liability guarantee, Pacifica compensates injured third parties/victims directly on behalf of the policyholder; the insurer may subsequently pursue recovery against the policyholder in specific cases (e.g., proven misrepresentation).
Geographic scope
Metropolitan France, French overseas departments/regions, EU member states and the UK during the contract term
Coverage applies in mainland France, overseas departments/regions, EU member states, the UK, Vatican, San Marino, Monaco, Liechtenstein, and other non-EU states shown on the green card. For stays exceeding 3 months outside the EU/UK, only third-party liability applies. Natural catastrophe, technological catastrophe and terrorism-attack guarantees are limited to metropolitan France.
Unique selling points
- Avantage Bon Conducteur (ABC) offers up to -30% off the premium, stacking with the standard bonus-malus, available from day one even for young drivers.
- Driver bodily-injury protection is included in every formula (even the entry-level Eko), with no deductible, and extends to borrowed/rented vehicles and cycling.
- 0km roadside assistance with no distance franchise from the Tiers Intégral formula upward, a level of service usually reserved for comprehensive ('tous risques') policies elsewhere on the market.
- Deductible waived as a loyalty reward ('Cadeau de franchise') after 3 consecutive claim-free years on the 'Intégrale' formulas.
- The car insurance offer received the 2024 'Label d'Excellence' award from Les Dossiers de l'Épargne for the quality of its guarantees.
Coverage limits
Bodily Injury Liability (Third-Party)
unlimited
Mandatory third-party liability guarantee. No cap for bodily injury caused to third parties, no deductible.
Property Damage Liability (Third-Party)
€100,000,000
Mandatory third-party liability guarantee. Capped at €100,000,000 for material/property damage caused to third parties, no deductible.
Legal Defence and Recourse (Safeguarding your rights and those of victims)
€3,812
Legal defence and recourse cover, capped at €3,812 per claim, no deductible.
Green Card / International Motor Insurance Certificate
Covered
International proof-of-insurance certificate automatically included with the mandatory liability guarantee, valid in EU member states, the UK, and other non-EU states listed on the card for stays under 3 months.
Vehicle Roadside Assistance
Covered
Included in all formulas but the distance franchise varies by tier: Eko applies a 25 km franchise for breakdowns and no franchise for accident/fire/theft; Tous Risques Initial similarly applies 25 km for breakdowns (0 km for accident/fire/theft) unless the Assistance+ option is purchased; Tiers Intégral and Tous Risques Intégral include 0 km assistance (no distance franchise) for all causes including breakdown, plus a replacement vehicle (up to 12 days for breakdown/accident/fire/attempted theft, up to 30 days for theft). Assistance to persons applies beyond 50 km from home in all formulas.
Passenger Accident Benefit
No limit stated
No dedicated passenger-accident benefit distinct from third-party liability was found in the sources; injured passengers are compensated as third-party victims under the mandatory liability guarantee, not via a separate fixed benefit like the driver protection.
Key conditions
Territorial scope
France métropolitaine, EU member states and the UK during the contract's life (only RC beyond 3 months abroad); short stays (<3 months) also covered in Vatican, San Marino, Monaco, Liechtenstein and other non-EU states shown on the green card. Natural catastrophe, technological catastrophe and attacks guarantees apply only in metropolitan France.
Green card rules
The insurance certificate (green card, replaced since April 2025 by the digital 'Mémo Véhicule Assuré' recorded in the Fichier des Véhicules Assurés) is issued automatically at subscription and each annual renewal, and lists the non-EU countries where the mandatory liability guarantee also applies for stays under 3 months.
Driver restrictions
Coverage requires the driver to hold a valid category B driving licence. Novice drivers (licence held under 3 years) and young-driver programmes (under 31, less than 2 years' licence, no prior claims) benefit from dedicated 'Avantage Jeune' terms and preventive-driving courses that accelerate bonus progression.
Claim notification deadline
Theft must be declared within 2 business days (plus a police report), natural catastrophe claims within 30 days of the ministerial order, and all other claims within 5 business days.
Bonus-malus rules
In addition to the statutory bonus-malus (CRM) coefficient, Crédit Agricole applies its own 'Avantage Bon Conducteur' (ABC) discount, currently advertised as up to -30% on the premium (older archived materials referenced a -20% ceiling), stacking with a -10% discount for low-mileage drivers (<7,000 km/year) and -5%/-10% for existing home/multi-policy clients.
Documents
Insurance Product Information Document - Car Insurance
IPID
Regional memo - Car Insurance, Tiers Intégral formula
Table of benefits
Regional memo - Car Insurance, Tous Risques Initial formula
Table of benefits
Regional memo - Car Insurance, Tous Risques Intégral formula
Table of benefits
General Terms & Conditions distributed under the Mobilize Insurance brand (Pacifica-underwritten, different distribution channel/tier names - not this record's product)
Other document
Policy specifics
Unlimited Bodily Injury Liability
Third-party liability coverage with unlimited coverage for bodily injury, as mandated by French law
SourceSource no longer reachableDriver Bodily Injury Protection
Mandatory driver protection coverage included in all Pacifica auto insurance formulas
SourceSource no longer reachableLegal Defense and Victim Rights Protection
Coverage for legal defense costs and victim rights protection in liability claims
SourceSource no longer reachableVehicle Roadside Assistance 0km
Emergency roadside assistance available from 0km from policyholder's home in case of breakdown, accident, fire, theft or attempted theft
SourceDuty of Sincere Disclosure
Insured must provide accurate and truthful information when applying for or modifying coverage; false information can result in contract nullity or non-coverage
SourceSource no longer reachableClaim Declaration Obligation
Policyholder must declare any loss or damage within specified timeframes using required claim forms
SourceSource no longer reachableTerritorial Coverage Conditions
Coverage applies in mainland France, overseas departments/regions, EU member states, UK, Vatican, San Marino, Monaco, Liechtenstein, Iceland, Norway, Andorra, Bosnia-Herzegovina, Switzerland, Montenegro, Serbia
SourceSource no longer reachableVehicle Usage Restrictions
Coverage excludes commercial transportation of goods/passengers, use as commercial vehicle rental, taxi, or in ride-sharing services without specific endorsement
SourceIntentional Damage Exclusion
Third-party liability coverage does not apply to damage caused intentionally by the insured, subject to specific legal exceptions
Source