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France Car Insurance – What to Look For and What to Avoid

france car insurance

France car insurance is compulsory for all vehicles. It serves as civil liability insurance for damages and injuries caused to others, including third-parties. The coverage can also include damage and theft, or fire, and can also include elective breakdown services or vehicle replacement services. The cost of France car insurance will depend on the type of coverage you select. In this article, we will discuss what to look for and what to avoid when choosing a policy.

No-claims bonus

If you haven’t made any claims in the last 3 years, you can transfer your no-claims bonus to France car insurance. Many insurers will accept such a transfer, but it is at the insurer’s discretion. You will have to supply a written statement from your previous insurer (and it might be necessary to translate it into French).

The no-claims bonus is expressed as a coefficient that increases every year. For new drivers, it is at a coefficient of one. Every year that you go without making a claim, your bonus multiplies by 0.95, until you reach a maximum of 0.50. In year two, you will have reached a coefficient of 0.68. You will then be eligible to claim up to 0.85 if you are at fault in an accident. If you make several at-fault claims, your no-claims bonus will be reduced by three times.

To keep your no-claims bonus, it is important to shop around every year. Many insurance companies in France offer competitive prices. Remember, cheapest insurance doesn’t mean best. You should read the fine print. Find out what’s covered, how long you have to keep your no-claims bonus, and how much you’ll pay in the event of a claim. You can also consider the language barrier, as you might need to hire a translator.

In case you get into an accident, make sure you sign the Constat Amiable d’Accident (CAPA) – the official form for reporting accidents. It will detail the insurance details of both drivers and a drawing of the incident. It must also be signed by the other party. If you don’t sign this form, you could face a EUR150 fine. A full report will be required of all accidents in France, including the name of the driver who caused the accident.


One of the first things to know about French car insurance is what the policy covers. Generally, the policy covers you against damage caused to other people and their property. It also includes assistance for breakdowns and other roadside emergencies, but the terms and conditions vary from one insurer to the next. Some policies even cover home start (0 km) and roadside assistance over 30 km. It is a good idea to read your policy carefully before you leave home.

In France, insurers have the right to exclude certain risks from their policies. This right is set out in Article L113-1 of the Insurance Code. Such formal exclusions must be limited and are intended to provide the insured with clarity. In fact, this type of clause is responsible for a significant proportion of insurance litigation. It’s vital to understand these clauses before traveling to France. Otherwise, you could be liable for damages caused by other people or your own vehicle.

The costs of car insurance in France are similar to those in the UK, and many include automatic breakdown assistance. Some policies also cover illegally parked cars. France’s compulsory access policy requires drivers to pay the first EUR100 of a claim, which can make it expensive for drivers. However, many policies allow drivers to increase their excess and avoid paying an excess altogether. A higher excess can save you a lot on your premium.

Before purchasing French car insurance, make sure to check the exclusions. The rules for cancelling your policy differ according to the type of insurance you have. A motorbike or car needs to be insured before you can move it to France. Similarly, if you have several cars, you can save money by insuring each vehicle separately. However, it is worth noting that you are free to change your insurance provider every year. If you find a better deal in another country, you can also shop around until you find a plan that suits your needs.

Minimum requirements

If you’re planning to drive in France, it’s important to understand the minimum requirements for car insurance in France. All vehicles in France must have a minimum liability insurance policy, which serves as civil liability insurance. This insurance covers bodily injury and property damage caused to another person or object, and may also include elective coverage for theft and fire. Some policies also include breakdown coverage or replacement services. In France, minimum liability insurance is required by law.

You don’t need to buy French insurance if your car is registered in another country. However, you must still carry proof of insurance from your home country if you’re driving in France. You’ll also need to have a current car insurance policy, as some insurers only cover third party in France. Make sure you extend your insurance to cover any possible losses if you are in an accident while driving in France.

The French Prudential Supervision and Resolution Authority regulates the insurance industry. The French Insurance Law stipulates that insurance contracts be treated as legal documents, and that insurers must ask the right questions to cover risks. While many countries place the burden on the insured to disclose information, France places it firmly on the insurer to ask the right questions. When signing an insurance contract, you need to understand all of the guarantees and declarations you’re making. If you have a serious accident, you must fill out an EU accident form (le constat amiable), which is called in French.

You should also be aware of the rules regarding cancellation of insurance. Depending on the type of coverage you’re seeking, it may be necessary to notify your insurer 30 days in advance to avoid cancellation charges. However, it’s worth shopping around for your coverage each year. In France, you’ll find a variety of insurance companies that will meet your needs. You can even opt for a group insurance policy with the same insurance provider to save money on both your car insurance and your premiums.


The cost of car insurance in France can vary widely depending on the type of policy you buy, the vehicle you drive, and your age and gender. Your age, gender, and claims history also affect the price. The average premium is around EUR400 per year. The more expensive cities in France include Paris, Marseille, Nice, and Saint-Etienne. Listed below are some tips to help you save money on your car insurance. But bear in mind that cheaper doesn’t necessarily mean better!

In France, it is mandatory for all vehicles to carry a minimum liability insurance policy. This policy serves as a civil liability insurance, covering damage and injuries caused to third parties. It may also include optional coverage for fire, theft, and breakdown. You can also purchase additional coverage to cover emergency expenses or to cover the cost of repairing or replacing your car if it’s stolen. For more comprehensive coverage, you’ll need more than just a basic liability policy.

First, understand what the various coverage options are. French car insurance companies have different levels of coverage. An all-risk policy offers the most coverage, but it also costs the most. This type of policy will guarantee your financial security in the event of a collision, including third-party damage and injury. But it’s not always cheap – it may take 14 years of no claims to accrue a full no-claims bonus.

France car insurance companies must abide by strict rules and regulations. Generally, a no-claims protection policy isn’t available in France, but some insurance companies do. However, a single claim will not reset your no-claims benefit to zero, and this depends on whether you were at fault or not. Moreover, the conditions for cancellation vary between different insurers. Nonetheless, if you have no claims history, you should look for an insurance company with a no-claims policy.


Whether you’re buying a new or used car in France, there are many options available to you. For example, in France, you’ll probably need a minimum level of third-party insurance to drive on public roads. This type of insurance covers bodily injury, material damage, and property damage that you cause to other people while driving your car. You can also choose to add optional extras such as breakdown cover or vehicle replacement services if you prefer.

When it comes to changing insurers, you can do so as long as you meet the legal requirements. In France, you can cancel your car insurance contract after two years, but the terms may vary for motorbikes. You must inform your insurer of this fact before you cancel your policy. However, many companies will allow you to do so by email or post, so this is another option. It’s also worth checking if the renewal date for your current policy will be 12 months from the start.

There are over 100 insurance companies in France, offering a variety of policies. Most offer third-party insurance, but there are also bank and mutual insurers. Before purchasing insurance, choose the company that best fits your budget. If you’re a foreigner, it might be helpful to speak with your bank about car insurance in France. Remember that prevailing customers can negotiate a better rate with insurers. And, of course, the more experience you have, the better your policy will be!

Aside from purchasing a policy in France, you can extend the coverage of a UK car insurance policy to France. While in most EU countries, car insurance is limited to third-party coverage, full-coverage is often necessary for France. Some car insurance companies offer extended insurance abroad for a small administrative fee. But if you’re planning to drive your car in France for more than 12 months, you’ll want to make sure that your policy covers all eventualities.