Auto Insurance Guide

Auto Insurance Guide
Index Insurance ›Guide to auto insurance

Automobile insurance is primarily liability insurance to which other insurance coverages for property and persons can be added. The automobile insurance obligation has existed since Law No. 58-208 of February 27, 1958, codified in Article L211-1 of the Insurance Code. This obligation is limited to the civil liability guarantee for bodily injury and material damage caused to others by the insured vehicle.

Apart from civil liability, the other guarantees in the contract are optional and serve mainly to collect compensation for material damage that the vehicle may suffer or for bodily injury that the driver may suffer. The most common coverages are collision damage, comprehensive damage, theft, fire, weather events, glass breakage, driver protection, legal protection and personal and vehicle assistance. In addition, there are mandatory guarantees related to attacks and natural and technological disasters.

From quote to subscription, from claim to termination, the Insurance Index analyzes and explains the different stages in the life of an automobile policyholder. It allows you to better choose, understand and manage your insurance contract.

»Make a comparative quote
for your car insurance

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Key figures for auto insurance

Some key figures published in 2020 (for the year 2019) by the French Insurance Federation to represent the importance of the auto insurance sector in France:

- France has 43 million 1st category vehicles insured;
- Motor insurance (all types of vehicles, excluding fleets) represents 55.6% of personal property and liability insurance contributions, for a total of 20.5 billion euros;
- 66% of claims declared in property and liability insurance concern automobile insurance (individuals and professionals combined, all types of vehicles);
- The number of bodily accidents is 56,016, for 3,244 people killed and 70,490 people injured.
Complete guide

    Take out an auto insurance contract
        Car insurance per kilometer: for small riders
        Third party auto insurance: definition and operation
        Connected car insurance: pay your insurance according to your driving
        Auto insurance online: is it possible to withdraw?
        Electric car insurance: comparison of prices, guarantees and deductibles
        Bonus 50 for life or reinforced: how does it work?
        Central pricing office (BCT) for auto insurance
        Changing auto insurance: rules and deadlines
        SRA code of a car with group, class, CNIT or Type Mines
        How to insure a scooter?
        How to insure a caravan?
        How to insure a car?
        How to insure a car with a foreign driving license?
        How to insure a used car?
        How to insure a vintage car?
        How to insure a car that does not drive?
        How is the price of car insurance calculated?
            Bonus Malus: calculation and application rules
            Surprising young driver: the rules to know
        Driving without insurance: what are the risks?
        Insurance contract: rules and legal obligations
        Insurance quote: obligations, period of validity
        Documents to provide to insure a car
        Insured Vehicles File (FVA)
        Guarantees of the auto insurance contract
            Glass breakage guarantee: items covered, excess and penalty
            Theft guarantee: items covered, excess and penalty
            Motor vehicle liability insurance
            Driver protection: definition, cost and compensation
        Should the insurer verify the statements of the insurance