Groupama Assurances Mutuelles
Groupama
Groupama is a motor third-party liability insurance for the France market with online purchase and 24/7 assistance.
Direct payment
For the compulsory liability guarantee, Groupama pays the injured third party directly on the policyholder's behalf within the limits of the guarantee. For legal-defence/recourse costs, Groupama settles lawyers' and experts' fees directly by delegation, or reimburses the policyholder if they advanced the costs with Groupama's prior agreement.
Geographic scope
Metropolitan France, French overseas departments/regions/territories, and (for trips under 1 year) EU/Green Card countries, Andorra, Monaco, Liechtenstein, the Holy See and San Marino.
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.
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
Bodily injury liability (third-party)
Covered
No limit stated
Covers the policyholder's civil liability for bodily injury caused to third parties (including passengers) following an accident, fire or explosion involving the insured vehicle. Exact monetary limits are set out in the policy's Tableau des Montants de Garantie et des Franchises, which is not included in the T&C document provided.
Property damage liability (third-party)
Covered
No limit stated
Covers the policyholder's civil liability for material and immaterial damage caused to third parties following an accident, fire or explosion involving the insured vehicle. Exact monetary limits are set out in the policy's Tableau des Montants de Garantie et des Franchises, which is not included in the T&C document provided.
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.
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.
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.
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.
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.
Key conditions
Territorial scope
Cover applies in Metropolitan France, French overseas departments/regions/territories, and for trips of less than one year in EU/Green Card countries, Andorra, Monaco, Liechtenstein, the Holy See and San Marino. The vehicle is also covered when transported between two countries both within this territorial scope. The Attentats/Terrorism guarantee only applies in Metropolitan France, French overseas departments/regions, Mayotte, Wallis and Futuna, Saint-Pierre-et-Miquelon, Saint-Barthelemy, Saint-Martin and Polynesia; the vehicle purchase/sale legal protection guarantee only applies to disputes arising in France, Monaco and Andorra.
Green card rules
The Green Card (international insurance certificate) is issued at subscription and renewed at each annual due date; it serves as proof of insurance in France and abroad and must be presented during checks. A detachable certificate of insurance must be displayed on the vehicle.
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.
Policy specifics
Legal defense and recourse
Guarantee covering legal defense costs and recourse actions following an accident
SourceDriver bodily injury
Optional or bundled benefit providing indemnification for driver injuries in eligible accidents
SourceVehicle assistance
Roadside assistance including breakdown, towing, and replacement vehicle services
SourceDeductible (franchise) structure
Deductibles vary by guarantee and formula; specific amounts and conditions detailed in contract
SourceLegal coverage limitations and exclusions
Specific exclusions apply to legal defense guarantee, including disputes with Groupama, criminal court cases, and driving under influence
SourceRegional caisse edition
This T&C document (ref. AUCDRH107 - 01/2011) is issued by Groupama Loire Bretagne (Caisse Regionale d'Assurances Mutuelles Agricoles Bretagne Pays de la Loire); other Groupama regional caisses may issue slightly different editions of the same 'Conduire Auto' product.
Source