Otherwise (a brand operated by Lovys SAS)
Otherwise
Otherwise is a motor third-party liability insurance for the France market with online purchase and 24/7 assistance.
Direct payment
The Otherwise (Lovys) motor policy's own website states that the roadside/accident assistance service, provided by Europ Assistance, can be reached 24/7, and Lovys highlights a fully digital claims process; however, the product's own T&C/IPID were not directly accessible for a verbatim statement on vehicle-repair settlement. Under French law (Code des assurances, art. L211-5-1 and L211-5-2, as reinforced by the 3 December 2020 law), motor insurers operating in France, including via approved repairers, are generally required to allow a 'cession de créance' mechanism so that the insurer pays the repairer directly, sparing the policyholder from advancing repair costs, regardless of whether the repairer is in the insurer's approved network.
Geographic scope
France
Not specified in the sources reviewed for this product.
Unique selling points
- 0 km roadside assistance via Mondial Assistance, covering breakdowns and accidents even right outside the policyholder's home, unlike the typical 50 km threshold applied by many insurers.
- A taxi is provided if the policyholder is unable to drive after a breakdown or accident, ensuring a safe return home.
- Optional driver protection lets policyholders choose their own indemnity ceiling from 150,000€ up to 1,000,000€, applying whether they are responsible or the victim.
- Fully digital, 100% online subscription and contract management with no need to visit a physical agency.
Coverage limits
Bodily Injury Liability
Covered
No limit stated
Covers material and bodily damage that the policyholder may cause to third parties (other motorists, cyclists, pedestrians, etc.); for example, if responsible for an accident, Otherwise covers repair costs and any bodily injury claims.
Property Damage Liability
Covered
No limit stated
Covers material and bodily damage that the policyholder may cause to third parties (other motorists, cyclists, pedestrians, etc.); for example, if responsible for an accident, Otherwise covers repair costs of the damaged vehicle.
Legal Defence Following an Accident
€3,000
In case of a dispute with a third party following an accident, Otherwise covers legal defence costs up to 3,000€; if someone sues the policyholder, Otherwise stands by their side.
24/7 Roadside Assistance (0 km)
Covered
No limit stated
Included in the contract, in partnership with Mondial Assistance: immediate cover in case of breakdown or accident, even right outside the policyholder's home; if unable to drive, a taxi is provided to bring the policyholder home safely.
Driver Protection (Optional)
€150,000 – €1,000,000
Optional coverage where the policyholder chooses an indemnity ceiling from 150,000€ to 1,000,000€ in case of disability or loss of income following an accident with their vehicle, whether responsible or victim.
Key conditions
Territorial scope
Not specified on the product page reviewed for this product.
Green card rules
Not specified on the product page reviewed for this product.
Driver restrictions
Not specified on the product page reviewed for this product.
Claim notification deadline
Not specified on the product page; under French insurance law the statutory minimum notification period is generally 5 working days.
Bonus-malus rules
Not specified on the product page reviewed for this product.
Where to buy
Policy specifics
Permanent Disability Indemnity
Optional coverage providing compensation (150,000€ to 1,000,000€) in case of permanent physical or psychological harm from accident
SourcePersonal Belongings & Equipment Coverage
Optional coverage for personal items inside vehicle (smartphone, GPS, luggage, clothing) in case of accident, theft, or other insured events
SourceTrailer Liability Coverage (over 750kg)
Optional coverage providing third-party liability protection for trailers exceeding 750kg when trailer damage involves third parties
Source24/7 Roadside Assistance (from home)
Included assistance service provided by Mondial Assistance offering immediate support in case of breakdown or accident, even at home or nearby
Source100% Digital Platform Management
All subscription, modification, and contract management conducted entirely online through Otherwise digital platform
Source15-Day Policy Activation Period
Once contract is signed, policyholder has 15 days to transmit required documents via customer portal for policy activation
SourceLeased Vehicle Coverage Accepted
Otherwise explicitly accepts insuring vehicles under leasing arrangements with special documentation requirements (financing entity registration)
SourceSimple Cancellation After 1 Year
If policy has been active for more than 1 year, cancellation is simple and immediate without penalty
Source