Planning to get behind the steering wheel in France ? Make sure you ’ re covered with our complete usher to car insurance in France .
car policy is one of the biggest forms of insurance traverse in France. If you ’ ra plan on driving in France, you ’ ll need a minimum level of liability policy as a legal prerequisite if you have a vehicle on the road .
To help you understand car insurance in France, this guide will discuss the key issues, including :

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Introduction to car insurance in France

You must insure all centrifugal vehicles in France to at least third gear party liability. You will need to do this even for vehicles that are not in habit, unless all four wheels are removed. failure to insure a vehicle can lead to fines of up to €3,750 .
car insurance in France covers the vehicle rather than the driver, mean that other licensed drivers can driver your car if the policy allows it .
Because insurance is applied to the vehicle, every cable car in France needs to be individually guarantee. however, many insurance companies offer discounted rates for a second car or multiple car indemnity .
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According to 2016 data, France has the second-largest car policy market in Europe behind the UK. There are around 90 companies providing car policy in the country. The Autorite de Controle Prudentiel et de Resolution ( ACPR ), which is an arm of the Banque de France, regulates the french insurance market .
You can find out more information in our guides to indemnity in France and french repel licenses .

Can you use car insurance from another country in France?

Non-residents can drive foreign cars covered by indemnity from their family nation, equally long as the policy meets the french minimal requirements. You need a green tease that shows that you have sufficient coverage for your vehicle .
If you are a french resident, you will need to take out car insurance in France and make certain that your cable car has a french number plate. Citizens from europium countries can continue to use indemnity from their home countries .

Types of car insurance in France

There are three independent types of car insurance in France : third-party, third-party fire and larceny, and amply comprehensive .

Third-party liability (tiers collision or responsabilite civile)

This is the minimal come of indemnity that you need under french police. It insures against damage and wound to all third parties in incidents where you are at blame. This includes passengers in your cable car .
Third-party insurance won ’ deoxythymidine monophosphate covering any of your own costs, for example, the cost of repairing any damage to your own vehicle. It is a good type of insurance to have if you drive an cheap car or only drive occasionally .

Third-party, fire, and theft

This is besides known as third-party plus. This provides criterion third party liability coverage plus it will besides cover costs to your own cable car caused by accidental damage, natural disasters, or attacks. These types of policies normally cover :

  • fire;
  • storm damage;
  • windshield damage caused by debris or a collision with an animal;
  • theft;
  • vandalism.

Policies vary between companies, sol check your individual policy for any exclusions before sign .

Comprehensive (tous risques)

This covers all risks including damage to your cable car caused by an accident that was your blame. besides known as the ‘ all-risk ’ policy, this is a good option of coverage if you drive a newfangled or expensive car, are a frequent driver or have any risks associated with your repel .
Although tous risques policies are comprehensive, most come with exclusions so check what these are before signing. normally, they are related to designed price or incidents that occur when the vehicle is illegally parked .

Car insurance costs

As with most countries, cable car policy costs in France can differ greatly and will depend on diverse factors including :

  • vehicle value;
  • what you use the vehicle for (premiums are often higher if you use the car for work);
  • how often you drive (many companies offer per-km or ‘pay as you drive’ packages;
  • coverage type (tous risques is the most expensive and tiers collision is the cheapest);
  • driver age;
  • driver profile (e.g. accident history);
  • location (average premiums vary across different French regions).

You can reduce your premiums by increasing your excess. This is the amount you pay towards any claim. Most indemnity companies apply a compulsory access, for exemplar €100. This means you will pay the first €100 on any claim and the company will pay the rest .
Most policies allow you to increase your excess in recurrence for a discount rate on your monthly or annual premiums. Some tous risques policies are available without excess .
The average cable car policy annual premium in France in 2016 was around €400, making it the fifth-highest in the EU and above the overall EU modal. Tous risques premiums are higher, normally in the area of €600–900 per annum .

Additional forms of car insurance in France

There are a number of optional forms of insurance you can take out for your car. comprehensive examination policies frequently include these, but check the belittled print ahead if you ’ re not sure. extra car indemnity in France includes :

  • Medical insurance – covers the costs of medical treatment in the event of an accident or, in the case of serious accidents, death or disability costs;
  • Legal insurance – covers the costs of legal representation and advice relating to any incidents;
  • Breakdown assistance – covers repair and vehicle towing costs in the event of a roadside breakdown;
  • Equipment insurance – covers the costs of any equipment and possessions in the car up to a certain amount, such as luggage or a car stereo;
  • No-claims protection – this protects your no-claims bonus should you be involved in an accident.

Car insurance bonuses and penalties in France

France operates the no-claims bonus system used in many other countries. No-claims deductions accrue at the rate of 5 % a class and it takes 13 years of no-fault drive to obtain a full 50 % no-claims bonus .
Because of this, some drivers choose to pay directly for damage they cause thus that they can avoid increased premiums. You need to think carefully ahead doing this as you waive your correct to make an indemnity claim belated down the line. If the rectify costs are more than expected, you can end up out of pocket.

Another option is to pay for extra no-claims protective covering on your indemnity policy .
car insurance family
Most companies will allow you to transfer no-claims bonuses earned through another insurance company, vitamin a long as you can provide proof. Insurers are less probable to allow you to transfer no-claims periods from an oversea insurance company, but some may be willing to offer this so it ’ second worth trying to negotiate .
While you can reduce insurance costs through periods without claiming, insurers can increase premiums dramatically if they consider you to be a bad driver. This may happen if you :

  • have been involved in an incident where you were at fault;
  • get points on your French driver’s license because of violations such as speeding or drink-driving;
  • are a young or inexperienced driver.

Car insurance companies in France

overall, there are around 90 car insurance companies in France. These include :

  • Allianz
  • AXA
  • Clements
  • Credit Mutuel
  • MAAF
  • MACIF
  • Matmut

If you want to compare car policy policies, you can use comparison websites such as Assurland and Le Lynx.

How to choose car insurance in France

You should shop around when looking for car insurance in France and make certain you find the best softwood that is suited to your circumstances. here are a few things you may want to consider besides premium costs :

  • Policy coverage – what is included and what isn’t? Check for exclusions and read the terms & conditions. If anything you need is not covered, what is the cost of adding this on?;
  • Excess options – how much is the excess and how much can you reduce your premiums by increasing it voluntarily?;
  • No-claims bonus – what is offered and can you transfer bonuses earned elsewhere?;
  • Claims process – how easy is it to make a claim? Will you have to pay upfront and get reimbursed or will the insurer take care of payments directly?;
  • Company reputation – check company ratings and customer reviews to see what feedback has been given;
  • Roadside assistance – does the company offer a good breakdown assistance policy?

Applying for car insurance in France

Each french policy caller will have its own applications action, so check beforehand what you ’ ll want. Most companies now offer on-line sign-ups where you can set up your policy by filling in the application form and providing the necessity software documentation on-line .
You will normally need to provide the follow :

  • car registration certificate;
  • valid French driving license;
  • driver history report;
  • personal details of the policyholder, such as age and address.

Within a few days, you should receive :

  • your insurance policy, called the attestation d’assurance, which proves the vehicle is insured. You should keep a copy of this in the car;
  • insurance certificate, called the certificat d’assurance. This is a green slip that should be attached to your attestation d’assurance. You must fix this to your windscreen so that it is clearly visible;
  • EU accident form, called le constat amiable in French, which you will need to complete in the event of an accident.

Making a car insurance claim in France

If you need to make a car policy claim in France, you should do the follow :

  • complete both your insurance claim form and your EU accident statement form – making sure that both/all parties sign the form in the event of an accident – and send it to your insurer within 5 days;
  • take the details of any other parties involved in the accident, e.g. names, addresses, license plate numbers;
  • take photos and get statements from any witnesses present at the scene of an accident;
  • contact the police and emergency medical services in the event of a serious accident.

You can submit any photos and witness statements to support your indemnity claim .
In the event of a larceny, you should report it immediately to the patrol and file an indemnity call within two days ( if you have the necessary coverage ). indemnity companies in France will wait 30 days before paying out on claims relating to stolen cars .

Canceling a contract and changing provider

Canceling an policy contract in France is by and large more difficult than in many other european countries. however, this has become comfortable in holocene years. Because car insurance in France is compulsory, policies will auto-renew after the initial 12 months and will do this every year unless you cancel .
When you sign a abridge, you have an initial 14-day menstruation where you can cancel without being penalized. After this, you can only cancel within the final examination two months of the first year, unless the reasons are sale of the vehicle or death of the policyholder .
It is possible to cancel a contract within the first class. however, you can only do indeed no earlier than two months and no later than 15 days before the contract death date. After the first 12 months have elapsed, you can cancel at any time. The insurance company will end the condense one calendar month after receiving poster of cancellation and will refund any payments made beyond this period .
You will need to send a letter of cancellation to your insurance company. many companies nowadays allow this to be done by e-mail, otherwise, you can send a letter in the post .
You are complimentary to change insurance providers in France, so it ’ sulfur wise to shop around each year. Some companies may offer to take worry of the administration if you are signing over to them. If not, just cancel your old policy and sign up with your new provider. Make indisputable that you don ’ t leave a coverage gap because you ’ ll be breaking the law !

Making a complaint about a French car insurance company

If you want to make a charge about a french indemnity ship’s company, for example, if you are infelicitous with a product or feel you have been treated unfairly, you should first try to resolve the issue through the complaints department of the indemnity party .
Your insurance ship’s company should have their own complaints process which should be detailed on their web site or in software documentation given to you. You will need to follow this procedure and give the company 15 days to respond .
If you don ’ thymine receive a satisfactory answer, you can complain to La Mediation de l ’ assurance which is the independent body that assesses indemnity complaints in France. This can be done on-line or by post .

Roadside assistance in France

France doesn ’ deoxythymidine monophosphate have an equivalent of the AA or RAC, however many indemnity companies provide dislocation policy. Some comprehensive policies may include this, otherwise, you ’ ll motivation to purchase it as extra coverage .
adept policies should cover tow and emergency rectify costs, substitute enchant, and possibly repatriation costs if you drive overseas. however, the breakdown policy cover with some french companies is limited and might merely cover the costs of towing your car to the nearest garage.

You can use dislocation coverage from another area if possible, for model, the RAC or green Flag if you ’ re from the UK. Another option is to take out a European-wide policy that covers you across EU countries .
If your car breaks down on the expressway in France, you will need to call the ASFA. This is a 24-hour expressway breakdown service that you can reach by calling the 112 emergency number .
The ASFA will tow you to a safe area where you can meet your breakdown provider. Costs for this depend on the service but vary between €125-€235. Check with your indemnity provider that they will cover this .

Useful resources

  • Autorite de Controle Prudentiel et de Resolution (ACPR) – regulator of insurance companies in France
  • La Mediation de l’assurance – mediator for complaints about French insurance companies
  • Assurland – an insurance comparison website

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