Mutuelle Assurance des Travailleurs Mutualistes (Matmut)

Territorial scope

Cover applies in France and while travelling in EU member states, plus Andorra, Bosnia-Herzegovina, Iceland, Liechtenstein, Monaco, Montenegro, Norway, the United Kingdom, Serbia and Switzerland; extension to Albania, Morocco, Moldova, North Macedonia, Tunisia, Turkey and Ukraine requires the insurer's prior approval and the international green card.

Green card rules

Matmut issues the international motor insurance card (green card) for the account of the Bureau Central Français, enabling circulation in countries where the mention is not crossed out; it also serves as proof of insurance in France and must be presented to the authorities on request.

Driver restrictions

Cover applies to drivers meeting the age and licence requirements for the vehicle (Article 7-5 B); a specific €1,000 deductible applies when the vehicle is driven by an undesignated 'novice driver' (licence held less than 2 years, or without 2 years of insurance history), unless exempted (subscriber's staff, another Matmut policy, guidon-lending).

Claim notification deadline

Claims must be reported as soon as you become aware of them: within 5 working days for material or bodily-injury accidents, 2 working days for theft, and within 30 days of the official disaster order for natural catastrophes (Article 26-2); Protection Juridique claims must be declared within 5 working days (Articles 23-9, 24-10). Late notification causing prejudice to the insurer may result in forfeiture of cover.

Bonus-malus rules

A bonus-malus coefficient applies annually: a claim-free year reduces the coefficient by 5% (7% for 'Tournées'/'Tous déplacements' use) down to a floor of 0.50; each at-fault claim increases it by 25% (20% for those uses, halved for partial liability), up to a ceiling of 3.50; the coefficient cannot exceed 1 after two consecutive claim-free years (Annexe I).

Mechanical breakdown coverage

Coverage for mechanical, electrical, electronic or hydraulic failure occurring without any impact and making vehicle use impossible in compliance with current regulations. Includes tire puncture, fuel error, battery failure (including electric vehicles), anti-theft/alarm failure.

Vehicle and passenger assistance

Comprehensive assistance coverage including breakdown towing, repatriation, and passenger support. Operates 24/7 throughout France and abroad.

Legal protection

Covers defense costs and legal proceedings for the insured following an accident, and defense of insured's interests in disputes related to purchase, sale or repair of the vehicle. Covers material damages up to EUR 100,000,000.

Driver bodily injury protection

Coverage for permanent or temporary incapacity of the driver resulting from accident. Includes capital guarantees indexed by disability rate and lost income during incapacity periods.

Vehicle unavailability coverage

Optional coverage for daily costs incurred to replace an unavailable vehicle following accident or breakdown. Covers rental or alternative transport costs.

Windscreen and glass breakage

Coverage for breakage of windscreen, side windows, roof glass (for convertibles/sunroofs), and LED daytime running lights/headlight clusters supplied by manufacturer.

Theft and attempted theft coverage

Coverage for vehicle theft or attempted theft. Includes commencement of theft without vehicle displacement, interrupted due to independent cause, declared to police, and documented in police report.

Authorized repair network

Matmut has selected an authorized repair network of 4500 repairers to allow policyholders to resume driving under best conditions. Claims can be filed through these network partners without advance payment.

Car-sharing (autopartage) optional coverage

Optional add-on allowing insured to engage in peer-to-peer car sharing/rental between individuals. Without this option, the base policy excludes car-sharing use.

Annual automatic renewal

Contract is concluded for one-year term and automatically renews at anniversary date unless cancelled by either party. First year runs from policy effective date to annual anniversary stated in particular conditions.

Insured persons and third parties

Coverage applies to named policyholder and authorized drivers using vehicle with owner's permission. Third parties (other drivers, passengers, third-party vehicles/property) have limited or no coverage depending on type of damage and fault determination.

Pre-repair authorization requirement

For vehicle damage claims covered under damage guarantees, policyholder must obtain authorization from insurer before undertaking repairs or vehicle replacement. Proceeding without approval may affect indemnification.

Sociétaire (mutual member) requirement

Contract can only be underwritten by applicant admitted beforehand as Sociétaire (mutual member) of Matmut. This is a prerequisite for policy issuance.