Eurofil Motor third-party liability (Eurofil Auto Mtpl)

Driver protection (Protection du conducteur) is included by default in all five formulas.

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.

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.

Territorial scope

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'.