MAIF Motor third-party liability (Assurance Auto Moto Vam)
Underwritten by MAIF · France
motor third-party liability insurance from MAIF for the France market, with online purchase and 24/7 assistance.
Verified Aug 29, 2026 · Terms dated 2026-01Sources
Unique selling points
Property damage liability is covered up to €100,000,000 with no cap at all on bodily injury liability to third parties.
Theft cover, including electronic relay-attack theft without visible forced entry, is included from the Essentiel tier rather than only in top-tier formulas.
Repairs carried out following a covered claim benefit from a lifetime workmanship warranty.
MAIF Assistance is reachable 24/7 by phone, with a dedicated SMS line for hearing-impaired policyholders.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
unlimited
Legal defence and legal accompaniment
Covered
MAIF conducts the insured's legal defence before any court following an accident engaging their civil liability and covers resulting legal costs, excluding fines, with no stated monetary ceiling on the défense guarantee itself. Separately, the accompaniment juridique package (renseignements personnalisés, recours, protection juridique) reimburses lawyer/expert fees within an overall cap of €16,000 (incl. tax), subject to a €625 minimum-interest threshold below which MAIF need not litigate.
Section: 7 - La défense de vos droits, vos responsabilités > Défense
Nous assurons votre défense devant toute juridiction si, à la suite d’un accident, le tiers intente une action mettant en cause votre responsabilité civile comme définie ci-dessus.
International motor insurance (green) card coverage
Covered
For vehicles registered in France or Monaco, guarantees extend to EEA countries and the other countries listed on the international motor insurance card, except personalized legal information and legal protection, with recourse limited to amicable settlement; Morocco and Tunisia are covered only for stays of one year or less. Vehicles registered outside France/Monaco, and trips to French Guiana or other overseas collectivities (excluding Saint-Barthélemy/Saint-Martin), have no cover.
Section: 1 - Le domaine d’application du contrat > L'étendue géographique
Véhicule immatriculé en France, Andorre ou Monaco : toutes sauf renseignements juridiques personnalisés et protection juridique. Le recours est limité au recours amiable
Roadside assistance
€180
Included in every sellable formula: assistance and repatriation with no per-km deductible in case of accident, fire, theft or vandalism; for breakdowns, base assistance applies beyond 50 km from home (20 km in Guadeloupe, Martinique and Réunion), with towing/breakdown costs covered up to €180 after a mandatory call to MAIF Assistance (available 24/7, incl. an SMS line for hearing-impaired users).
Section: 5 - Les solutions d'assistance à votre véhicule > L'assistance en cas de déplacement
La prise en charge des frais de dépannage ou de remorquage s’effectue à concurrence de 180 €, après appel préalable et obligatoire d’Inter mutuelles assistance.
Driver personal accident / bodily injury protection
€46K
Included identically in every formula: medical costs, home-help services, and lost-income compensation (per the IPID: €1,400 medical cap, €700 home-help cap, €3,100 lost-income cap), plus a permanent-disability capital scale (nil below 10%, €7,700 for 10-19%, €13,000 for 20-34%, €16,000 for 35-49%, €23,000 for 50-100%, doubled to €46,000 if a third-party carer is medically required) and death capitals (€1,600 base, +€3,900 for a spouse, +€3,100 per dependent child).
Section: 2 - La protection des personnes > L'indemnisation de l'incapacité permanente
De 50 à 100 % 23 000 €* De 50 à 100 % si assistance permanente d’une tierce personne 46 000 €*
Passenger personal accident / bodily injury protection
€46K
The same 'protection des personnes' guarantee that covers the driver also covers the policyholder's spouse/partner, dependent children, ascendants/descendants living with them, authorised drivers, and employees transported during their service, on the same medical-cost, lost-income, disability and death-capital scales described under driver accident cover.
Section: 2 - La protection des personnes > 2.3.3 - L'indemnisation de l'incapacité permanente
De 50 à 100 % 23 000 €1 De 50 à 100 % si assistance permanente d'une tierce personne 46 000 €1
Key conditions
Driver restrictions
The driver must hold a valid driving licence or required capacity certificate matching the vehicle category; unauthorised use may lead MAIF to invoke nullity or reduce indemnities; cover is maintained for accompanied/supervised learner drivers (AAC) if MAIF was informed beforehand and applicable rules were respected.
Claim notification deadline
Claims must be reported within 5 working days of becoming aware of the event (30 days for natural catastrophe events); late notification can cause forfeiture of cover if it prejudices MAIF, except in cases of fortuitous event or force majeure.
Bonus-malus rules
Standard French bonus-malus clause: origin coefficient of 1; reduced 5% (7% for 'Tournées'/'Tous déplacements' use) per claim-free year down to a 0.50 floor; each at-fault claim raises the coefficient by 25% (20% for 'Tournées'/'Tous déplacements'), halved for partial liability, capped at 3.50.
Territorial scope
Full coverage in metropolitan France, Guadeloupe, Martinique, Réunion, Monaco, Saint-Barthélemy and the French part of Saint-Martin; in EEA countries and other green-card countries, cover applies for vehicles registered in France or Monaco except personalized legal information and legal protection (recourse limited to amicable settlement); Morocco and Tunisia only for stays up to one year; French Guiana and other overseas collectivities (except Saint-Barthélemy/Saint-Martin) are not covered.
Documents
General terms and conditions - MAIF Auto-Moto VAM insurance (opens in a new tab)
Terms & conditions · PDF
Comparison table of the 5 VAM formulas (opens in a new tab)
Table of benefits · PDF
Insurance Product Information Document (IPID) - Auto-Moto VAM (opens in a new tab)
Product information sheet · PDF
Official MAIF car insurance product page (opens in a new tab)
Other document · PDF
Policy specifics
Roadside assistance
Optional or standard roadside assistance coverage with specific distance thresholds (50 km minimum from home for third-party formula)
SourceSection: 4 raisons de choisir l’assurance auto MAIF > Votre assistance 24h/24
Une panne ? On vous dépanne dès la formule au tiers pour vos trajets à plus de 50 km du domicile. Et même devant chez vous avec la formule Plénitude ou en option.
Bodily injury protection
Basic level bodily injury indemnification for the policyholder in third-party formula; full protection requires optional PACS contract
SourceSection: 5 Comment souscrire une assurance au tiers pour votre voiture ? > Choisir son assureur
Même assuré au tiers à la MAIF, vous bénéficiez de garanties étendues. La formule la plus économique ne se limite pas à la responsabilité civile du conducteur. Comme dans toutes les autres formules, vous bénéficiez d'une assistance en cas de déplacement et de garanties en cas d’événement climatique.
Natural and technological disasters coverage
Coverage for damage caused by natural disasters (storms, floods, etc.) and technological disasters included in all third-party formulas
SourceSection: 4 Ce que ne couvre pas la garantie de responsabilité civile > Côté MAIF
Comme dans toutes les autres formules, avec la formule économique vous bénéficiez d'une assistance déplacement/rapatriement, de garanties en cas d'événement climatique (grêle, inondation ...).
Policyholder declaration obligations
Requirements to disclose accurate risk information at subscription and notify changes and claims within specified timeframes.
SourcePage 59Section: 10 - La vie du contrat > Les déclarations de risques que vous devez effectuer
Vous devez déclarer ces circonstances nouvelles dans un délai de 15 jours à partir du moment où vous en avez connaissance
Deductible structure for the Initiale formula
The Initiale (basic third-party) formula does not include theft, fire or 'other accidental events' cover ('not applicable'); for the perils it does cover (natural catastrophe, climatic event, terrorism/attack), it applies a fixed €380 deductible, the same amount used across all formulas for those specific perils.
SourcePage 30Section: 4 - La protection de votre véhicule > Récapitulatif des franchises selon les formules et la nature des dommages
Vol incendie Sans objet Franchise contractuelle ... Catastrophes naturelles 380 € 380 €
Geographic coverage scope
Territorial scope of insurance coverage including France, overseas territories, EEA countries, and green card countries.
SourcePage 2Section: Où suis-je couvert?
Toutes les garanties acquises en France métropolitaine, Guadeloupe, Martinique, Réunion, Saint-Barthélemy, Saint-Martin pour sa partie française et Monaco. Dans les pays de l’EEE et ceux mentionnés sur la carte internationale d’assurance automobile
Sources
- maif.frhttps://www.maif.fr/content/documents/public/maif-fr/pdf/contrat/pp/CGVAMMaif.pdf#page=59(opens in a new tab)
- maif.frhttps://www.maif.fr/files/live/sites/maif-fr/files/pdf/documentation-contractuelle/mobilite/document-information-assurance-auto-vam.pdf#page=1(opens in a new tab)
- maif.frhttps://www.maif.fr/files/live/sites/maif-fr/files/pdf/documentation-contractuelle/mobilite/document-information-assurance-auto-vam.pdf#page=2(opens in a new tab)
- maif.frhttps://www.maif.fr/maiffr/documents/pdf/documentation-contractuelle/mobilite/conditions-generales-assurance-auto-vam.pdf#page=12(opens in a new tab)
- maif.frhttps://www.maif.fr/maiffr/documents/pdf/documentation-contractuelle/mobilite/conditions-generales-assurance-auto-vam.pdf#page=16(opens in a new tab)
- maif.frhttps://www.maif.fr/maiffr/documents/pdf/documentation-contractuelle/mobilite/conditions-generales-assurance-auto-vam.pdf#page=30(opens in a new tab)
- maif.frhttps://www.maif.fr/maiffr/documents/pdf/documentation-contractuelle/mobilite/conditions-generales-assurance-auto-vam.pdf#page=35(opens in a new tab)
- maif.frhttps://www.maif.fr/maiffr/documents/pdf/documentation-contractuelle/mobilite/conditions-generales-assurance-auto-vam.pdf#page=42(opens in a new tab)
- maif.frhttps://www.maif.fr/maiffr/documents/pdf/documentation-contractuelle/mobilite/conditions-generales-assurance-auto-vam.pdf#page=59(opens in a new tab)
- maif.frhttps://www.maif.fr/vehicule-mobilite/guide-assurance-auto/formule-au-tiers(opens in a new tab)
- maif.frhttps://www.maif.fr/vehicule-mobilite/guide-assurance-auto/responsabilite-civile-auto(opens in a new tab)
MAIF Motor third-party liability