Mutual Insurance Company for Teachers of France (MAIF)
MAIF
MAIF is a motor third-party liability insurance for the France market with online purchase and 24/7 assistance.
Direct payment
If the repair is entrusted to a partner repairer, MAIF pays the indemnity directly to the repairer; if the insured chooses a non-partner repairer, the indemnity is paid to the insured.
Geographic scope
Metropolitan France, French overseas departments and Monaco
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.
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.
- In the Plénitude formula, MAIF reimburses the leasing company in full for a stolen or written-off financed vehicle with no shortfall to the policyholder (beyond the deductible), and returns the initial down payment.
- 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
Third-party bodily injury liability
unlimited
MAIF indemnifies third parties for bodily injury caused by the insured vehicle with no cap on the amount, as part of the mandatory civil liability cover included in every formula.
Third-party property (and consequential immaterial) damage liability
€100,000,000
MAIF indemnifies third parties for material damage and consequential immaterial damage caused by the insured vehicle up to €100,000,000, included in every formula.
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.
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.
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).
Driver personal accident / bodily injury protection
€46,000
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).
Passenger personal accident / bodily injury protection
€46,000
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.
Key conditions
Territorial scope
Full cover in metropolitan France, Guadeloupe, Martinique, Réunion, Monaco, Saint-Barthélemy and French Saint-Martin; extended (minus personalized legal advice/legal protection, recourse limited to amicable settlement) to EEA and other green-card countries for French/Monaco-registered vehicles; Morocco/Tunisia limited to stays of one year; no cover in French Guiana or other overseas collectivities.
Green card rules
For vehicles registered in France or Monaco, cover extends to EEA countries and other countries on the international motor insurance card (except personalized legal information and legal protection, recourse limited to amicable settlement); Morocco/Tunisia only for stays up to one year; vehicles registered elsewhere have no cover abroad.
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.
Policy specifics
Roadside assistance
Optional or standard roadside assistance coverage with specific distance thresholds (50 km minimum from home for third-party formula)
SourceBodily injury protection
Basic level bodily injury indemnification for the policyholder in third-party formula; full protection requires optional PACS contract
SourceNatural and technological disasters coverage
Coverage for damage caused by natural disasters (storms, floods, etc.) and technological disasters included in all third-party formulas
SourcePolicyholder declaration obligations
Requirements to disclose accurate risk information at subscription and notify changes and claims within specified timeframes.
SourceDeductible 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.
SourceGeographic coverage scope
Territorial scope of insurance coverage including France, overseas territories, EEA countries, and green card countries.
SourceSources
- https://guide.reassurez-moi.fr/guide/wp-content/uploads/2016/06/conditions-generales-assurance-moto-MAIF.pdf
- https://www.maif.fr/content/documents/public/maif-fr/pdf/contrat/pp/CGVAMMaif.pdf
- https://www.maif.fr/vehicule-mobilite/guide-assurance-auto/formule-au-tiers
- https://www.maif.fr/vehicule-mobilite/guide-assurance-auto/responsabilite-civile-auto