Groupama Motor third-party liability (Conduire Auto)
Underwritten by Groupama · France
motor third-party liability insurance from Groupama for the France market, with online purchase and 24/7 assistance.
Verified Aug 29, 2026 · Terms dated 2011-01Sources
Unique selling points
Groupama offers five auto insurance tiers ranging from third-party to comprehensive cover, with essential guarantees included from the entry-level tier.
The Vehicle Contents guarantee is available from the entry-level 'tiers' formula onward with a generous coverage ceiling.
Drivers covering fewer than 8,000 km per year benefit from a reduced premium without losing any guarantees.
Policyholders repairing their vehicle at one of 1,500 approved partner garages face no upfront repair costs.
Groupama serves 12 million policyholders worldwide, backed by close to 2,000 agencies and 4,800 advisors in France.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
Covered
Legal defence & recourse (DPRSA) and vehicle purchase/sale legal protection
Covered
No limit stated
Included guarantee providing legal consultation, amicable assistance and judicial defence costs for disputes following a road accident, plus legal protection for disputes over the purchase or sale of the insured vehicle (cover acquired for 6 months, maximum 2 disputes per insurance year). Exact amiable/judicial budget ceilings are set out in the Tableau des Montants de Garantie, not provided in this document.
Section: Vos garanties > 2. La défense de vos intérêts > 2.3. Protection juridique achat/vente de véhicule
La garantie est acquise pendant SIX MOIS à compter de l'achat du véhicule garanti. ... Notre intervention est limitée à la prise en charge de 2 litiges maximum relevant des domaines ci-dessus, par année d'assurance.
Green Card (international insurance certificate)
Covered
The Green Card / insurance certificate is issued at subscription and renewed at each annual due date as proof of insurance in France and abroad. No separate monetary limit applies to this benefit.
Section: Votre contrat > 6. Que signifient certains termes de votre contrat ?
CARTE VERTE (certificat international d'assurance) : document servant, lors de la souscription des garanties automobile, d'attestation d'assurance tant en France qu'à l'étranger... Nous vous le remettons à la souscription et le renouvelons aux échéances annuelles suivantes.
Vehicle roadside assistance
Covered
Vehicle assistance (breakdown, accident, theft, vandalism) is automatically included with every Conduire Auto contract, managed by Mutuaide Assistance, and applies beyond a 50 km franchise from the declared home address (waived for material/bodily accidents, theft or vandalism). The optional 'Assistance 0 km' extension covers breakdowns from home and is subject to per-incident sub-limits, e.g. 138 EUR TTC (towing in France) / 230 EUR TTC (abroad) for a flat tyre or fuel error, and the same amounts for lost, broken or locked-in keys.
Section: Vos garanties > 6. L'assistance > 6.1. Assistance au véhicule > 6.1.1. Où s'exerce la garantie ?
Une franchise kilométrique de 50 km s'applique à partir du domicile déclaré dans votre contrat d'Assurance automobile, sauf : • en cas d'accident matériel ou corporel, de vol ou de vandalisme entraînant l'immobilisation du véhicule
Driver bodily injury (Accidents corporels du conducteur)
Optional
No limit stated
Optional guarantee, selected by the policyholder as part of the chosen formula, indemnifying the insured driver's own bodily injury or death following a road accident whether or not the driver is at fault. The guarantee cap and the permanent-incapacity threshold triggering payment are indicated in the Tableau des Montants de Garantie, not provided in this document; availability and exact limits vary by formula.
Section: Vos garanties > 3. La protection du conducteur > 3.1. Accidents corporels du conducteur > 3.1.1. Objet de la garantie
les atteintes corporelles et le décès consécutifs à un accident de la circulation dont l'assuré est responsable ou non.
Passenger bodily injury (under third-party liability)
Covered
Passengers are named insureds under the compulsory liability guarantee ('Les dommages que vous causez aux autres, y compris les passagers') and are indemnified for bodily injury as third parties, provided the vehicle-category safety conditions (seating position/number of passengers) set out in the T&Cs are respected. There is no separate standalone 'passenger accident' guarantee distinct from the RC automobile guarantee in this document.
Section: Vos garanties > 1. Les dommages que vous causez aux autres (y compris les passagers) > 1.1. Responsabilité civile automobile > Nous ne garantissons pas
subis par les passagers lorsque les conditions de sécurité définies ci-dessous ne sont pas respectées :
Key conditions
Driver restrictions
A 'novice' driver is one with less than 3 years' driving licence, or who cannot prove continuous insurance cover during the 3 years preceding subscription. An additional novice-driver deductible applies on top of the chosen deductible when an undesignated novice driver is at the wheel, except when that driver is an employee acting within the course of their duties.
Claim notification deadline
Claims must generally be declared within 5 working days of becoming known (2 working days for theft claims, 30 working days for legal-defence/recourse and vehicle purchase/sale legal protection disputes, and within 10 days of the official natural-catastrophe/technological-catastrophe order for cat-nat/cat-tech claims).
Bonus-malus rules
The legal bonus-malus coefficient starts at 1, is reduced by 5% for each claim-free insurance year (floor of 0.50; no malus applied to the first claim after 3 years at the 0.50 floor), and is increased by 25% per at-fault claim (cap of 3.50, halved when responsibility is only partial). After two consecutive claim-free years, the coefficient applicable cannot exceed 1.
Territorial scope
Guarantees apply in Metropolitan France and French overseas departments/regions/territories, and for stays of less than one year in EU countries and Green Card countries, plus Andorra, Monaco, Liechtenstein, the Holy See and San Marino. The Attentats/Terrorism guarantee and the vehicle purchase/sale legal protection guarantee have narrower geographic scopes as set out in the T&Cs.
Documents
Policy specifics
Legal defense and recourse
Guarantee covering legal defense costs and recourse actions following an accident
SourceClause 2.2.2Page 13Section: Vos garanties > 2. La défense de vos intérêts > 2.2. Garantie Défense Pénale et Recours Suite à Accident de la circulation > 2.2.2. Nous garantissons
de défendre l'assuré s'il fait l'objet d'une action pénale, à la suite d'un accident dans lequel le véhicule assuré est impliqué ; d'obtenir l'indemnisation du préjudice subi à la suite d'un accident dans lequel le responsable ou la personne tenue à réparation n'a pas la qualité d'assuré.
Driver bodily injury
Optional or bundled benefit providing indemnification for driver injuries in eligible accidents
SourceClause 3.1.1Page 13Section: Vos garanties > 3. La protection du conducteur > 3.1. Accidents corporels du conducteur > 3.1.1. Objet de la garantie
les atteintes corporelles et le décès consécutifs à un accident de la circulation dont l'assuré est responsable ou non.
Vehicle assistance
Roadside assistance including breakdown, towing, and replacement vehicle services
SourceSection: Les garanties de l'assurance voiture Groupama > Les garanties pour préserver votre mobilité automobile
Assistance panne 0 km : dépannage et remorquage où que vous soyez et même en bas de chez vous. Couvre de nombreux évènements : panne d'essence, panne sèche de batterie, crevaison, pertes de clés.
Deductible (franchise) structure
Deductibles vary by guarantee and formula; specific amounts and conditions detailed in contract
SourceClause 4.7Page 32Section: Notre intervention en cas de sinistre > 4. L'indemnisation > 4.7. Application des franchises et des seuils d'intervention
Trois sortes de franchises peuvent vous être appliquées : • la franchise que vous avez vous-même choisie à la souscription du contrat, dont le montant est précisé dans vos conditions personnelles
Legal coverage limitations and exclusions
Specific exclusions apply to legal defense guarantee, including disputes with Groupama, criminal court cases, and driving under influence
SourcePage 7Section: La défense des droits et des intérêts de votre association > 6. Nous ne garantissons pas > Exclusions spécifiques à la garantie « Défense Pénale et Recours Suite à Accident »
Les litiges relatifs à des infractions intentionnelles ; les litiges consécutifs : – à un accident de la circulation survenu alors que le certificat d'immatriculation du véhicule assuré a été retiré par les autorités administratives compétentes
Sources
- csf-ud35.orghttps://csf-ud35.org/sites/default/files/fichiers/1.06.7_couverture_protection_juridique.pdf#page=7(opens in a new tab)
- elly-assurance.frhttps://www.elly-assurance.fr/wp-content/uploads/2022/05/conditions-generales-assurance-auto-groupama.pdf#page=12(opens in a new tab)
- elly-assurance.frhttps://www.elly-assurance.fr/wp-content/uploads/2022/05/conditions-generales-assurance-auto-groupama.pdf#page=13(opens in a new tab)
- elly-assurance.frhttps://www.elly-assurance.fr/wp-content/uploads/2022/05/conditions-generales-assurance-auto-groupama.pdf#page=15(opens in a new tab)
- elly-assurance.frhttps://www.elly-assurance.fr/wp-content/uploads/2022/05/conditions-generales-assurance-auto-groupama.pdf#page=20(opens in a new tab)
- elly-assurance.frhttps://www.elly-assurance.fr/wp-content/uploads/2022/05/conditions-generales-assurance-auto-groupama.pdf#page=32(opens in a new tab)
- elly-assurance.frhttps://www.elly-assurance.fr/wp-content/uploads/2022/05/conditions-generales-assurance-auto-groupama.pdf#page=41(opens in a new tab)
- elly-assurance.frhttps://www.elly-assurance.fr/wp-content/uploads/2022/05/conditions-generales-assurance-auto-groupama.pdf#page=9(opens in a new tab)
- groupama.frhttps://www.groupama.fr/assurance-auto/(opens in a new tab)
Groupama Motor third-party liability