Reviewed from source documents

Avanssur SA (trading as Direct Assurance)

Direct Assurance

Direct Assurance is a motor third-party liability insurance for the France market with online purchase and 24/7 assistance.

Last verified Aug 29, 2026Reviewed by: Boleron EUTerms & conditions: 2026-02Underwritten by: AXA France IARD
Online purchase24/7 helpline

Direct payment

Under French law (Article L124-3 of the Code des assurances, which governs Direct Assurance as a French insurer), the injured third party has a direct right of action against the liable party's insurer, and the insurer is legally barred from paying anyone other than the injured third party until that party has been compensated. <cite index="2-1,2-2">Le tiers lésé dispose d'un droit d'action directe à l'encontre de l'assureur garantissant la responsabilité civile de la personne responsable, et l'assureur ne peut payer à un autre que le tiers lésé tout ou partie de la somme due par lui, tant que ce tiers n'a pas été désintéressé.</cite> This means Direct Assurance's RC (responsabilité civile / tiers) coverage compensates the injured third party directly rather than the policyholder.

Geographic scope

France (metropolitan France and overseas departments/territories)

Third-party liability applies in metropolitan France, the DROM-COM, other signatory countries of the multilateral agreement (EU/EEA states, UK, Switzerland, Andorra, Monaco, Serbia, Bosnia-Herzegovina, Montenegro, San Marino, Vatican, Gibraltar), and non-signatory countries (Albania, Azerbaijan, Morocco, Moldova, North Macedonia, Tunisia, Turkey, Ukraine) under an international insurance certificate.

Unique selling points

  • Property damage liability is capped at a market-leading 100 million euros, above the typical minimum.
  • The driver's personal bodily-injury guarantee is included as a systematic guarantee rather than a paid option, with a 400,000 EUR floor extendable to 1,500,000 EUR.
  • A courtesy vehicle is provided as standard during repairs at home or at a partner garage after a claim.
  • A connected car version of the product (Auto connectée) is available alongside the standard formula.

Coverage limits

Bodily injury liability

unlimited

Third-party liability cover for bodily injury caused to others is unlimited.

Source

Property damage liability

€100,000,000

Third-party liability for material damage caused to others is capped at 100 million euros (the 02/2026 and 03/2025 IPID editions state 100M€; the earlier 10/2024 edition stated a lower 1.3 million euro cap).

Source

Criminal defense and recourse following an accident

€4,600

Covers criminal legal defense and recourse proceedings following an accident, capped at 4,600 euros.

Source

Green card / international insurance certificate

Covered

For travel to non-signatory countries of the multilateral agreement (Albania, Azerbaijan, Morocco, Moldova, North Macedonia, Tunisia, Turkey, Ukraine), an international motor insurance certificate is provided upon request; no monetary cap is stated.

Source

Vehicle towing and roadside assistance

€185

Towing costs are covered up to 185 euros, in case of accident, theft or fire at 0 km from home, and breakdown or puncture more than 50 km from home; also covers repatriation of driver and passengers and a courtesy vehicle during repairs. An optional extension provides assistance at 0 km from home for breakdowns, subject to a 30-day waiting period.

Source

Driver personal guarantee (bodily injury)

€400,000 – €1,500,000

Covers the driver's own bodily injuries, including when at fault, with a 10% permanent partial disability (AIPP) threshold; included as standard up to 400,000 euros, extendable via an optional add-on to 1,500,000 euros.

Source

Passenger accident guarantee

No limit stated

No separate passenger bodily injury/accident guarantee is described in the IPID; only driver personal guarantee and assistance (repatriation) for passengers are mentioned.

Source

Key conditions

Territorial scope

Liability applies in metropolitan France, DROM-COM, EU/EEA and multilateral-agreement signatory countries, and (via international certificate) non-signatory countries; the list is current as of 1 January 2024 and may evolve.

Green card rules

For non-signatory countries of the multilateral agreement, an international motor insurance certificate (green card) is provided by the insurer on request before travel.

Driver restrictions

Coverage is excluded if the driver does not have the required age or a valid driving licence for the vehicle being driven.

Claim notification deadline

In case of theft, a police report must be filed within 24 hours and the original filing provided to the insurer; other claims must be declared within the timeframes set by the contract.

Where to buy

Get an online car insurance quote and subscribe
Direct Assurance homepage - online quote

Documents

Insurance Product Information Document (IPID) - 02/2026 edition

IPID

Open

Insurance Product Information Document (IPID) - 03/2025 edition

IPID

Open

Insurance Product Information Document (IPID) - 10/2024 edition

IPID

Open

Policy specifics

Legal liability for third-party damages

Mandatory coverage for damages caused to third parties (drivers, passengers, pedestrians, property)

Source

Driver personal guarantee (bodily injury)

Covers driver's bodily injuries even when driver is at fault; included in all Direct Assurance Tiers formulas with minimum floor of 400,000 EUR. Can be extended to 800,000 EUR or 1,500,000 EUR via optional packages.

Source

Legal defense and recourse

Covers legal defense in case of criminal proceedings and recourse to obtain reparation from third-party insurer for damage to vehicle and occupants.

Source

Legal protection for vehicles

Provides legal assistance and support for vehicle-related disputes and claims

Source

Vehicle and passenger assistance

24/7 emergency assistance for accidents, breakdowns, towing, and passenger support. Coverage from 50 km from home or according to service agreement terms.

Source

Deductible/franchise terms

Direct Assurance applies multiple forms of franchises depending on guarantee type. Fixed franchise is standard. Franchise amount impacts premium cost and claim reimbursement.

Source

Premium payment modalities

Premiums payable in advance annually or via monthly automatic debit (SEPA). Monthly payment incurs additional surcharge. Payment methods: bank card or automatic debit (mandatory for monthly installments).

Source

Policy term and automatic renewal

Initial policy period of 1 year. After first year, contract automatically renews by tacit agreement (reconduction tacite) for successive 1-year periods unless terminated by either party.

Source

Sources