Groupama

territorial_scope

Guarantees apply in Metropolitan France, French Overseas Departments/Regions/Collectivities, EU member states, and countries where the international insurance card (green card) is in force, plus Andorra, Monaco, Liechtenstein, the Holy See and San Marino, for trips of less than one year. Vehicle assistance extends further to Mediterranean basin countries and Europe up to the Urals. The terrorism guarantee is restricted to French territory and specified Overseas territories. The legal protection (purchase/sale) guarantee is limited to disputes arising in France, Monaco and Andorra.

green_card_rules

The international insurance certificate (green card / carte verte) is issued at subscription and renewed at each annual expiry date. The detachable portion (certificat d'assurance) must be affixed to the vehicle. Guarantees are valid in all countries where the green card is recognised. In the event of vehicle theft, the RC liability guarantee ceases 30 days after the theft is reported to police/gendarmerie, or earlier if the guarantee is transferred to a replacement vehicle.

driver_restrictions

Professionals of vehicle repair, sale and inspection are explicitly excluded from the definition of 'insured' when the vehicle is entrusted to them in the course of their duties. Coverage applies to the principal driver, designated occasional drivers, and any authorised driver. A 'novice driver' surcharge applies to drivers with fewer than 3 years of licence or those unable to prove continuous insurance cover during the 3 years preceding subscription. Drivers operating under the influence of alcohol (above legal BAC threshold) or narcotics are subject to exclusions on most guarantees and potential contractual termination. Driver age restrictions are not opposable to third-party victims.

claim_notification_deadline

General deadline: 5 working days from knowledge of the claim. Exceptions: theft – 2 working days; legal protection disputes (DPRSA) – 30 working days from knowledge of the dispute or rejection of a claim; natural catastrophes – as soon as known and no later than 10 days after publication of the ministerial order; technological catastrophes – 10 days after publication of the order; broken glass, Auto Presto, Location Pro – submit paid invoice within 30 days. Late notification may result in loss of guarantee entitlement if the insurer can demonstrate prejudice. Roadside assistance must be activated by telephone at the time of the event.

bonus_malus_rules

The standard French bonus-malus system applies (Clause de réduction-majoration, Article A121-1 Code des assurances). Starting coefficient: 1.00. Annual reduction for claim-free year: 5% (coefficient × 0.95), minimum coefficient 0.50. After at least 3 consecutive years at 0.50 with no claim, no malus applies to the first subsequent claim. Per claim, coefficient increases by 25% (or 12.5% if only partial liability, e.g. involving a pedestrian or cyclist). Maximum coefficient: 3.50. After 2 consecutive claim-free years, the coefficient cannot exceed 1.00. The reference period for calculation is the 12 months preceding the 2 months before the annual renewal. Applies to: RC, vehicle damage, theft, fire, glass breakage and natural catastrophe risks. Novice driver surcharge (up to 100% of reference premium, halved for AAC licence holders) applies for drivers with under 3 years' licence or uninterrupted insurance.

Accidents corporels du conducteur (Driver bodily injury protection)

Coverage for driver's bodily damages when responsible for accident or if liable party cannot be identified; includes financial and bodily injury damages up to 1.2M€

Vehicle replacement (Auto Presto)

Provision of replacement vehicle following accident, theft, breakdown or vandalism; included in all formulas for accidents with partner repairs

Vehicle content coverage

Indemnification for accidental damage and/or theft of vehicle contents (baggage, personal effects, portable GPS, roof boxes)

Purchase value guarantee (3 years)

Guarantee applicable from vehicle purchase date for new or used vehicles for 3 years, covering vehicle replacement value at purchase price

Vehicle and personal assistance services

24/7 roadside assistance for vehicle breakdown/towing, personal assistance during travel beyond 50km from home; managed by Mutuaide Assistance subsidiary

Mechanical protection (panne mécanique)

Coverage for mechanical breakdown including engine, turbo, injection, air conditioning, transmission, and electronic systems; accessible only through Mobilité formula

Regional mutual variation

Availability and content of insurance offers vary by regional mutual (Caisse Régionale); includes different pricing and formula options by region

Approved repair network requirement

For vehicle replacement loan (Auto Presto) to apply and for repairs to qualify for certain guarantees, repairs must be done through Groupama's approved partner network

Malus driver surcharge availability

Groupama offers special accessible pricing for drivers with malus (claims history); policies available at competitive rates for high-risk drivers

Franchise amount selection

Policyholders can choose franchise amounts to adjust premium costs; reduced franchise for vehicles 10+ years old (franchise divided by 2)

Bonus-malus coefficient system

Starting coefficient of 1.0; reduced 5% annually for claim-free years (minimum 0.5); increased 25% (or 12.5% partial fault) per claim; resets to 1.0 after 3 claim-free years