MAAF
MAAF is a motor third-party liability insurance for the FR market with online purchase and 24/7 assistance.
Direct payment
In case of damage covered by a chosen damage guarantee, the insured has free choice of professional repairer. If a MAAF-approved repairer is chosen, no advance payment is required and the indemnity is paid directly to the repairer net of any applicable deductible.
Geographic scope
FR
France, pays de l'Union européenne et de l'Espace économique européen, principautés d'Andorre, de Monaco et du Liechtenstein, état du Vatican et République de Saint Marin, pays mentionnés et non rayés sur la carte internationale d'assurance automobile en état de validité
Unique selling points
- Driver bodily injury cover up to 1,000,000 EUR is included as standard in all formulas, protecting the driver even in fully at-fault accidents.
- Lifetime bonus lock ('bonus à vie') permanently freezes the 50% discount after 3 consecutive claim-free years at the maximum bonus, waiving the first subsequent at-fault surcharge.
- 10% premium discount ('Bonus kilomètre') automatically rewarded each year for policyholders who drive fewer than 8,000 km annually, with no telematics device required.
- 24/7 MAAF Assistance reachable toll-free in France and internationally, covering accident, breakdown, and personal repatriation worldwide with no kilometre deductible for accident events.
- Online quote and instant subscription available in under 2 minutes on maaf.fr, with the insurer handling competitor contract cancellation formalities on behalf of the new customer under the Hamon law.
Coverage limits
Third-party bodily injury liability
Covered
Unlimited coverage for bodily injury caused to third parties by the insured vehicle. Mandatory minimum under French law since 1958.
SourceThird-party property damage liability
Covered
Coverage for material and immaterial damage caused to third parties by the insured vehicle, capped at 100 million euros.
SourceCriminal defence and recourse (Défense pénale et Recours suite à accident)
Covered
Covers criminal defence costs for insured persons prosecuted before criminal courts or driving-licence suspension commissions following a vehicle-related event. Also covers recourse proceedings to obtain compensation from the responsible third party for material and bodily damage, up to an overall cap of 16,000 EUR per claim. Free choice of lawyer guaranteed.
SourceInternational motor insurance certificate (Green Card)
Covered
The international motor insurance certificate is available from advisers (in agency or by phone), via the customer online space on maaf.fr and on the MAAF et Moi mobile application. It is mandatory for travel in Albania, Morocco, Moldova, North Macedonia, Tunisia, Turkey and Ukraine.
SourceRoadside and personal assistance
Covered
Personal and vehicle assistance included in all formulas; covers breakdown and accident in France (with a 50 km threshold from home for breakdown in the Accident & Breakdown formula) and abroad. MAAF Assistance is reachable 24/7 on 0800 16 17 18 (France) or +33 5 49 16 17 18 (abroad). Optional 0 km breakdown assistance also available.
SourceDriver bodily injury coverage (Dommages corporels du conducteur)
Covered
Included in all formulas. The Eco formula provides a capital of up to 500,000 EUR; the standard formula provides a capital of up to 1,000,000 EUR (from 20,100 EUR at 11% permanent disability to 1,000,000 EUR at 100%). Also includes first-aid advance (3,100 EUR), home help, and vehicle/home adaptation costs.
SourcePassenger bodily injury (via third-party liability)
Covered
Passengers injured in the insured vehicle are compensated through the mandatory third-party liability guarantee when the driver is at fault. Passengers are explicitly listed as persons covered by the RC guarantee. There is no separate dedicated passenger accident benefit; bodily injury for the driver specifically is covered under the driver accident guarantee.
SourceKey conditions
territorial_scope
Coverage applies in France, EU/EEA countries, the principalities of Andorra, Monaco and Liechtenstein, Vatican City, San Marino, and countries listed and not crossed out on the valid international motor insurance certificate. Coverage for natural disasters and terrorist acts applies exclusively in metropolitan France and French overseas departments and regions (DROM).
green_card_rules
The international motor insurance certificate is available from MAAF advisers in agency or by phone, via the customer online space on maaf.fr, and on the MAAF et Moi mobile application. It is mandatory for travel in Albania, Morocco, Moldova, North Macedonia, Tunisia, Turkey and Ukraine. Guarantees also apply when the vehicle is transported by air or sea between two countries where cover is provided.
driver_restrictions
The driver must hold a valid driving licence appropriate to the type of vehicle and nature of transport, and must comply with any restrictive conditions on the licence. Cover is maintained for learner drivers under accompanied driving (AAC), supervised driving and supervised training schemes provided the scheme has been declared to MAAF in advance. A special excess applies when a novice driver not designated on the policy drives the vehicle.
claim_notification_deadline
Claims must be declared as soon as known and no later than: 2 working days for theft; 30 days after publication of the ministerial order for natural disasters; 5 working days in all other cases. Failure to comply, where it causes prejudice to MAAF, may result in forfeiture of cover (déchéance), though this is not opposable to injured third parties.
bonus_malus_rules
A reduction-increase coefficient (coefficient bonus/malus) is applied to the reference premium at each annual renewal in accordance with ministerial order A 121-1 of the Insurance Code. The starting coefficient is 1.00. Each claim-free year reduces the coefficient by 5% (multiplied by 0.95). Each claim for which the insured is wholly responsible increases the coefficient by 25% (×1.25); partial responsibility results in a 12.5% increase (×1.125). The coefficient cannot fall below 0.50 (maximum 50% bonus) or exceed 3.50. A 'bonus à vie' clause applies: no increase is applied for the first claim occurring after an uninterrupted period of at least 3 years at coefficient 0.50.
Policy specifics
Vehicle assistance
Coverage for vehicle breakdown assistance and roadside support
Criminal defense
Coverage for criminal defense and legal representation in penal cases
Driver protection
Coverage for driver bodily injury regardless of fault
Approved repair network
Requirement that vehicle repairs be conducted through Covea-approved or manufacturer-approved garages
Bonus-malus system
Coefficient of reduction/increase applied to premium based on claim history