Thélem assurances Motor third-party liability (Assurance Auto Autoneo)
Underwritten by Thélem assurances · France
motor third-party liability insurance from Thélem assurances for the France market.
Last verified Aug 29, 2026Sources
Unique selling points
Lifetime 'super bonus' of up to 15% extra discount for drivers who reach the maximum 0.50 bonus and stay claim-free for 3 years.
Deductible decreases by 20% for every claim-free year, reaching zero deductible after 5 years.
Driver protection up to €600,000 is included from the entry-level Tiers formula, not just on higher tiers.
Personal assistance is provided even when the insured is not in or near the vehicle.
Roadside assistance applies with no mileage deductible for accidents (only 25 km for breakdowns) and includes up to 30 days of a replacement vehicle in case of theft.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
Legal defence and recourse after accident
€16K
Defence of the insured following a guaranteed accident, up to €16,000.
Section: Qu'est-ce qui est assuré ? > La Responsabilité Civile et défense des droits
Défense Pénale et Recours Suite à Accident : défense de l'assuré suite à un accident garanti jusqu'à 16 000 €,
Green card / international motor insurance card
Covered
Compulsory civil liability cover extends to all countries not crossed out on the green card; for stays exceeding 90 days only this compulsory liability cover is granted.
Section: Où suis-je couvert ?
Pour les dommages impliquant le véhicule : France métropolitaine, états membres de l'UE, Andorre, Monaco, Saint-Marin, Liechtenstein et tous les pays non rayés sur la carte verte, Pour les séjours de plus de 90 jours, seule la garantie Responsabilité Civile obligatoire est accordée,
Roadside assistance (breakdown/towing)
€190 – €300
Breakdown/towing costs covered up to €190, or €300 on motorways, at night, on weekends and public holidays, following breakdown, accident, fire or theft; no mileage deductible for assistance following an accident (25 km for breakdown); loan of a replacement vehicle for up to 30 days in case of theft.
Section: Qu'est-ce qui est assuré ? > Les prestations d'assistance
Prise en charge des frais de dépannage et remorquage (dans la limite de 190 € ou 300 € sur autoroute, nuit, week-end et jour férié) suite à panne, accident, incendie, vol, Assistance sans franchise kilométrique ou 25 km en cas de panne, Prêt d'un véhicule de remplacement (jusqu'à 30 jours si vol),
Driver protection (bodily injury to at-fault driver)
€600K
Bodily injury cover for the at-fault driver up to €600,000 (with or without deductible for permanent disability); an optional Protection du conducteur+ extension raises the ceiling to €1,200,000.
Section: Qu'est-ce qui est assuré ? > Les dommages corporels
Protection du conducteur : dommages corporels du conducteur responsable jusqu'à 600 000 € (avec ou sans franchise en invalidité permanente),
Passenger / carpooling injury coverage
Covered
Damage caused to persons transported in the vehicle (carpooling) is covered under the civil liability / carpooling guarantee; no separate compensation ceiling is stated for passengers.
Section: Qu'est-ce qui est assuré ? > La Responsabilité Civile et défense des droits
Covoiturage : dommages causés aux personnes transportées.
Key conditions
Driver restrictions
A €2,000 deductible applies per claim if the accident is caused by a driver holding a licence for less than 3 years who is not named on the contract and not personally insured; apprentice drivers are covered under the regulatory supervised-driving framework (AAC/conduite accompagnée) and cover ends once the licence is obtained.
Claim notification deadline
The insured must report any claim as soon as they become aware of it and at the latest within the deadline set by the contract; in case of theft, a police report must be filed and the original submitted to the insurer.
Bonus-malus rules
The bonus/malus coefficient is set at 1 upon signing a first motor insurance contract and evolves with claims history; policyholders with a 0.50 bonus and no at-fault claim for 3 years benefit from an additional 'super bonus' discount of up to 15%, and the deductible is reduced by 20% per claim-free year, reaching zero after 5 years.
Territorial scope
Vehicle damage cover applies to Metropolitan France, EU member states, Andorra, Monaco, San Marino and Liechtenstein, and all countries not crossed out on the green card; for stays exceeding 90 days only the compulsory civil liability cover is granted.
Documents
Policy specifics
Driver protection
Coverage for bodily injury to the insured driver with a compensation cap of €600,000 (up to €1,200,000 as an option)
SourcePage 1Section: Qu'est-ce qui est assuré ? > Les dommages corporels
Protection du conducteur : dommages corporels du conducteur responsable jusqu'à 600 000 € (avec ou sans franchise en invalidité permanente),
0 km assistance
Breakdown and roadside assistance service included from the first policy formula: no mileage deductible for assistance following an accident, 25 km threshold for breakdowns
SourcePage 1Section: Qu'est-ce qui est assuré ? > Les prestations d'assistance
Assistance sans franchise kilométrique ou 25 km en cas de panne
Theft exclusions
Theft coverage does not apply to: loss/theft of keys, fraud, or breach of trust (abus de confiance)
SourceSection: Notre avis sur l’assurance auto Thélem Assurances
Cependant, les vols suite à une perte/vol des clés, escroquerie ou abus de confiance ne sont pas couverts
Franchise reduction bonus
Annual 20% franchise reduction per accident-free year, resulting in zero franchise after 5 years
SourceSection: LES PLUS THÉLEM ASSURANCES > Franchise dégressive : Votre fidélité récompensée
Vous bénéficiez de 20% de réduction de franchise par année sans sinistre, soit plus aucune franchise au bout de 5 ans .
Super bonus for life
Not established from the insurer's documents
Lifetime preferential rates awarded to drivers achieving maximum bonus (50%) with no at-fault claims for 3 years
SourceThird-party source, not the insurer's documentAccident-free conduct requirement
Coverage continuation and preferential conditions dependent on maintaining accident-free driving record and timely premium payment
SourceTerritorial coverage scope
Vehicle damage coverage: France, EU member states, Andorra, Monaco, San Marino, Liechtenstein; Mandatory civil liability: green card countries non-crossed; Stays over 90 days: mandatory coverage only
SourcePage 2Section: Où suis-je couvert ?
Pour les dommages impliquant le véhicule : France métropolitaine, états membres de l'UE, Andorre, Monaco, Saint-Marin, Liechtenstein et tous les pays non rayés sur la carte verte, Pour les séjours de plus de 90 jours, seule la garantie Responsabilité Civile obligatoire est accordée,
Young driver conditions
Policy available for young drivers with specific conditions; coverage may include limitations and higher premiums depending on experience level
SourceContent coverage option
Optional coverage for personal items contained within vehicle during transit
SourceSection: Découvrez tous les avantages ! > CONTENU (EN OPTION)
Les objets qui se trouvent dans votre véhicule (bagages, équipements de loisirs, matériel professionnel, appareils audio-vidéo nomades…) sont garantis.
Mobility option
Optional provision of replacement vehicle (comparable model) in event of accident to maintain policyholder mobility during repairs
SourceSection: Découvrez tous les avantages ! > MOBILITÉ (EN OPTION)
En cas de vol , de panne ou d’ accident , nous vous prêtons un véhicule de catégorie équivalente au vôtre.
Apprentice driver coverage
Special coverage provisions for supervised driving school students with designated instructor accompaniment; coverage ends upon license acquisition
SourceSources
- reassurez-moi.frhttps://reassurez-moi.fr/guide/assurance-auto/thelem-assurances(opens in a new tab)
- lesfurets.comhttps://www.lesfurets.com/assurance-auto/assureurs-courtiers/thelem-assurances(opens in a new tab)
- thelem-assurances.frhttps://www.thelem-assurances.fr/assurance-auto/(opens in a new tab)
- thelem-assurances.frhttps://www.thelem-assurances.fr/assurance-auto/formule-tous-risques/(opens in a new tab)
- thelem-assurances.frhttps://www.thelem-assurances.fr/wp-content/uploads/2022/06/IPID_TA_500-Autoneo-2.pdf#page=1(opens in a new tab)
- thelem-assurances.frhttps://www.thelem-assurances.fr/wp-content/uploads/2022/06/IPID_TA_500-Autoneo-2.pdf#page=2(opens in a new tab)
Thélem assurances Motor third-party liability