Crédit Agricole Motor third-party liability (Assurance Auto)

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.

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.

Territorial scope

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.