Allianz Direct Versicherungs AG, French branch (trading as Eurofil)
Eurofil
Eurofil is a motor third-party liability insurance for the France market with online purchase and 24/7 assistance.
Direct payment
Policyholders have free choice of repairer (Loi Hamon). For guaranteed vehicle damage, you may either advance the repair invoice (reimbursed within 8 days of the paid invoice) or, subject to prior agreement, have Eurofil settle the repairer's share directly. Third-party (RC) claims are settled directly with the injured third party or their insurer.
Geographic scope
Metropolitan France and Monaco, extended to countries party to the Green Card inter-bureaux Convention
For civil liability and legal defence following an accident, cover applies in Metropolitan France and Monaco, as well as in countries party to the inter-bureaux Convention whose name appears on the international insurance card known as the 'Green Card'.
Unique selling points
- Driver protection (Protection du conducteur) is included by default in all five formulas, whereas many competitors sell it as a paid add-on.
- Assistance is included from 0 km in case of accident and from 25 km in case of breakdown in every formula, without needing to purchase an add-on.
- Eurofil's auto contract received the 2025 Label d'Excellence from Les Dossiers de l'Épargne, the highest distinction awarded after a comparative analysis of motor insurance contracts.
- Policyholders can choose their repairer freely among a network of over 2,200 approved garages.
- Online quotes can be obtained in under 2 minutes with fully digital subscription.
Coverage limits
Bodily injury liability
unlimited
Compensation for bodily injury caused to third parties is unlimited.
Property damage liability
€10,000,000
Compensation for material damage caused to third parties is capped at 10,000,000 EUR.
Legal defence and recourse following an accident (D.P.R.S.A.)
€16,100
Included in all formulas. Covers legal defence for traffic offences and recourse against a liable third party when no other contract covers the claim. Overall cap of 16,100 EUR per dispute, with intervention thresholds of 230 EUR (amicable) and 500 EUR (judicial).
Green Card / international insurance proof
Covered
Civil liability cover is automatically extended to countries party to the inter-bureaux 'Green Card' Convention. Since 1 April 2024 the paper Green Card has been abolished for vehicles registered in France; proof of insurance is now provided via the Fichier des Véhicules Assurés (FVA), and drivers can circulate freely in 30 EEA countries plus Switzerland, the UK, Bosnia-Herzegovina, Montenegro and Serbia.
Roadside assistance (towing/breakdown)
€180 – €230
Included in every formula: assistance from 0 km in case of accident and from 25 km in case of breakdown. On-the-spot repair or towing to the nearest garage is covered up to 180 EUR (incl. tax) in France and up to 230 EUR abroad and on motorways. Optional 'Assistance Maximale' raises towing cover to 3,000 EUR per year from 0 km.
Driver protection (bodily injury to the driver)
€400,000 – €800,000
Included by default in all five formulas (the only guarantee protecting an at-fault driver). Cap is 400,000 EUR on the 'Tiers' formula and 800,000 EUR on 'Tiers + Bris de glace', 'Tiers + Bris de glace + Vol', 'Tous risques' and 'Tous risques Maxi'. Covers loss of current professional income from the 31st day off work (max 300 days) and permanent functional impairment only above a 9% rate; in case of death, indemnifies the heirs.
Passenger cover under civil liability
Covered
Passengers carried in the insured vehicle are covered as third parties under the civil liability guarantee; no separate sum insured is stated for passengers as such.
Key conditions
Territorial scope
RC and legal defence cover apply in Metropolitan France, Monaco, and countries party to the Green Card inter-bureaux Convention. Since 1 April 2024, drivers can circulate freely in 30 EEA countries plus Switzerland, the UK, Bosnia-Herzegovina, Montenegro and Serbia, proof of insurance being handled via the FVA rather than a paper Green Card.
Green card rules
The physical Green Card was abolished on 1 April 2024 for vehicles registered in France and replaced by the Fichier des Véhicules Assurés (FVA), which automatically transmits insurance proof to authorities; a specific Green Card can still be issued on request for a trailer/caravan registered separately from the towing vehicle.
Driver restrictions
The Eurofil contract targets drivers with an existing no-claims bonus. Young/novice drivers generally need at least 2 years' driving experience or must be registered as a secondary/occasional driver on a parent's policy. Contracts contain an exclusive-driving clause: lending the vehicle without declaring secondary drivers can trigger a 3,000 EUR penalty if driven by an undeclared novice driver.
Claim notification deadline
Claims must be reported within 2 business days for theft or attempted theft, within 30 days of the official publication of the interministerial decree for Natural Catastrophes, and within 5 business days for other claims.
Bonus-malus rules
Statutory French bonus-malus clause applies (not for vehicles ≤80cc). Each claim-free year reduces the coefficient by 5% (7% for 'Tournées'/professional use), down to a floor of 0.50. Each at-fault claim increases the coefficient by 25% (20% for professional use, halved for partial liability), up to a ceiling of 3.50. After two consecutive claim-free years the coefficient cannot exceed 1.
Policy specifics
Assistance at 0 km in case of accident
All Eurofil Third Party formulas include assistance at 0 km in case of accident
SourceAssistance at 25 km in case of breakdown
All Eurofil Third Party formulas include assistance starting at 25 km from home in case of breakdown
SourceDriver protection (personal injury coverage)
Driver protection is the only guarantee that protects the driver in case of accident where the driver is responsible. It is included by default in all Eurofil insurance formulas.
SourceCivil liability unlimited for bodily damage
Indemnification is unlimited for bodily damage and capped at 10,000,000 EUR for other damage
SourceLegal defense and recourse in case of accident
Covers legal defense and common law recourse for personal injury compensation following a car accident
SourceExclusive driving clause
Eurofil auto contracts contain an exclusive driving clause prohibiting vehicle lending without designating secondary drivers. Penalty of 3000 EUR applies if vehicle is driven by unauthorized novice drivers.
SourceTiered assistance options
Three levels of optional assistance available: Initial (0 km breakdown up to 3x per year), Enhanced (with replacement vehicle category A/B for 48h-40 days), Maximum (with equivalent vehicle replacement for up to 40 days)
SourceZero deductible glass breakage option (Tiers + Bris de glace variants)
Tiers + Bris de glace and Tiers + Bris de glace + Vol formulas can include 0 EUR deductible for glass replacement/repair (windshield, rear window, side windows, headlight optics)
SourceTarget demographic: drivers with insurance bonus
Eurofil auto contracts are designed for drivers with insurance bonus (positive claims history). Young drivers need minimum 2 years driving experience or entry as secondary/occasional driver on parent policy.
SourceSources
- https://www.eurofil.com/
- https://www.eurofil.com/assurances/assurance-auto.html
- https://www.eurofil.com/assurances/assurance-auto/produits-tiers.html
- https://www.eurofil.com/assurances/assurance-auto/tunnel-faq/faq/faq-vie-du-contrat/conducteur-secondaire.html
- https://www.index-assurance.fr/eurofil-auto-149.html