Admiral Intermediary Services SA (trading as L'olivier Assurance)

Territorial scope

For the mandatory liability guarantee, cover applies in mainland France (including Corsica), the French overseas departments, regions and territories, Andorra, Gibraltar, Liechtenstein, San Marino, Vatican, Monaco, and Green Card system member states (excluding Azerbaijan, Belarus, Israel, Iran, Morocco, Russia, Tunisia, Turkey). Natural/technological catastrophe cover is limited to mainland France and the overseas departments/regions/territories; other guarantees extend to the listed states for stays under 90 days.

Green card rules

Territorial scope for liability cover extends to all Green Card system member states except Azerbaijan, Belarus, Israel, Iran, Morocco, Russia, Tunisia and Turkey, per the Green Card system list published at cobx.org.

Driver restrictions

The driver must hold a valid licence matching the vehicle category. A 'young/inexperienced driver' deductible of €0 to €1,600 applies if the vehicle is driven by a person not designated as principal/secondary driver on the schedule, a driver licensed for under 3 years, or a driver with aggravating circumstances (e.g. prior licence suspension, high claims frequency).

Claim notification deadline

Claims must generally be reported within 5 business days of the event; 2 business days for theft or attempted theft; within 30 days of the official publication of the natural/technological catastrophe order; and within statutory deadlines to the competent authorities for terrorism/riot-related claims.

Bonus-malus rules

Standard French bonus-malus (CRM) clause: the coefficient starts at 1.00, decreases by 5% (7% for 'tournées'/'tous déplacements' use) per claim-free year down to a floor of 0.50, and increases by 25% per at-fault claim (20% for 'tournées'/'tous déplacements' use), halved when responsibility is only partial, up to a ceiling of 3.50; after two consecutive claim-free reference years the coefficient cannot exceed 1.00.

Theft coverage

Coverage for theft and attempted theft of the insured vehicle

Fire coverage

Protection against damages caused to the vehicle by fire and explosion

Glass damage coverage

Repair or replacement of windshield, side and rear windows

Natural disasters coverage

Coverage for damages caused by natural disasters and extreme weather events

Technological disasters coverage

Coverage for damages from technological disasters (industrial accidents)

Storms and weather coverage

Indemnification for damages caused by storms and adverse weather

Prior approval required for repairs

Insurer agreement and claim number must be obtained before proceeding with repairs or replacement, especially for glass damage

Claims declaration timeline

Policyholder must declare any claims within specified timeframes to maintain coverage

Exclusive coverage application

Coverage is applied only in metropolitan France and specified European countries. Natural disasters and technological disasters apply only in metropolitan France

Franchise (deductible)

Amount remaining at policyholder's charge in all cases

Definition of insured vehicle

Coverage applies only to vehicles explicitly described in policy particulars

No 14-day withdrawal right for distance sales

Under Article L.112-2-1 II 3 of the French Insurance Code, policyholders who conclude the contract remotely (e.g. online) are explicitly informed that they do NOT benefit from a 14-day withdrawal period.