The guarantee all-accident damage allows you to be compensated for damage sustained by your vehicle during an accident, with or without a collision, even if you are responsible for the accident. For example, bodywork deformation, broken windows or traffic lights, burst tires.

There are cases in which the guarantee does not apply. These cases include:

• Driving without a valid license (no license, or license withdrawn, suspended or canceled)
• Willful misconduct (intentional collision with another vehicle or pedestrian)
• Driving while under the influence of prohibited substances (alcohol or drugs)
• Behavior prohibited by law (hit-and-run or refusal to comply)
• Driving on an unauthorized lane (motor vehicle circuit or improved runway)

The guarantee collision damage allows you to be compensated for damage to your vehicle in the event of a collision with an identified third party.

The third party may be a pedestrian or the owner of another vehicle or animal.

In order for the insurance to compensate you, the third party must not be identified. For example, if the pedestrian or driver has escaped or if the owner of the animal is not identified.

Likewise, if the collision with a wild animalThere will be no compensation.

There are cases in which the guarantee does not apply.

These cases include:

• Driving without a valid license (no license, or license withdrawn, suspended or canceled)
• Willful misconduct (intentional collision with another vehicle or pedestrian)
• Driving while under the influence of prohibited substances (alcohol or drugs)
• Behavior prohibited by law (hit-and-run or refusal to comply)
• Driving on an unauthorized lane (motor vehicle circuit or improved runway)

The guarantee breaking of ice allows you to be compensated for damage to the windshield.

It may also apply, depending on the contract, to the following other glazed elements:

• Side windows
• Rear window
• Roof glass
• Lights for headlamp optical units
• Exterior mirrors

There are cases in which the guarantee does not apply.

These cases include:

• Driving without a valid license (no license, or license withdrawn, suspended or canceled)
• Willful misconduct (intentional collision with another vehicle or pedestrian)
• Driving while under the influence of prohibited substances (alcohol or drugs)
• Behavior prohibited by law (hit-and-run or refusal to comply)
• Driving on an unauthorized lane (motor vehicle circuit or improved runway)

The guarantee fire allows you to be compensated for damage to your vehicle caused by a fire, whether from inside or outside the vehicle (explosion, electrical failure, lightning).

There are cases in which the guarantee does not apply.

These cases include:

• Driving without a valid license (no license, or license withdrawn, suspended or canceled)
• Willful misconduct (intentional collision with another vehicle or pedestrian)
• Driving while under the influence of prohibited substances (alcohol or drugs)
• Behavior prohibited by law (hit-and-run or refusal to comply)
• Driving on an unauthorized lane (motor vehicle circuit or improved runway)

The guarantee natural disaster allows you to be compensated for material damage caused to your vehicle by a natural disaster: earthquake, avalanche, floods, tidal wave, etc.

The application of this guarantee depends on the publication in the Official Journal of an inter-ministerial decree establishing the state of natural disaster in the area concerned.

There are cases in which the guarantee does not apply.

These cases include:

• Driving without a valid license (no license, or license withdrawn, suspended or canceled)
• Willful misconduct (intentional collision with another vehicle or pedestrian)
• Driving while under the influence of prohibited substances (alcohol or drugs)
• Behavior prohibited by law (hit-and-run or refusal to comply)
• Driving on an unauthorized lane (motor vehicle circuit or improved runway)

The guarantee technological disaster provides compensation for damage to your vehicle caused by major industrial accidents.

The application of this guarantee depends on the publication of a natural disaster order in the Official Journal.

The order specifies the areas affected by the damage and the period during which it occurred.

The insurer will not be able to apply you any frankness.

There are cases in which the guarantee does not apply.

These cases include:

• Driving without a valid license (no license, or license withdrawn, suspended or canceled)
• Willful misconduct (intentional collision with another vehicle or pedestrian)
• Driving while under the influence of prohibited substances (alcohol or drugs)
• Behavior prohibited by law (hit-and-run or refusal to comply)
• Driving on an unauthorized lane (motor vehicle circuit or improved runway)

The guarantee storm allows you to be compensated in case of damage caused to your vehicle by a weather phenomenon (storm, hurricane, cyclone etc.), and there has been no recognition of the state of natural disaster.

There are cases in which the guarantee does not apply.

These cases include:

• Driving without a valid license (no license, or license withdrawn, suspended or canceled)
• Willful misconduct (intentional collision with another vehicle or pedestrian)
• Driving while under the influence of prohibited substances (alcohol or drugs)
• Behavior prohibited by law (hit-and-run or refusal to comply)
• Driving on an unauthorized lane (motor vehicle circuit or improved runway)

The guarantee theft allows you to be compensated in case of theft or attempted theft of your vehicle.

In the event of theft, the compensation corresponds either to the value of your vehicle on the day of the accident or to a fixed value provided for in the contract from the start.

The insurance must pay you the amount within the period stipulated in the contract.

In case of attempted theft, the insurance will refund the damage caused by the thieves.

The same applies if the vehicle is stolen and found before the end of the period for payment of compensation.

There are cases in which the guarantee does not apply.

These cases include:

• Driving without a valid license (no license, or license withdrawn, suspended or canceled)
• Willful misconduct (intentional collision with another vehicle or pedestrian)
• Driving while under the influence of prohibited substances (alcohol or drugs)
• Behavior prohibited by law (hit-and-run or refusal to comply)
• Driving on an unauthorized lane (motor vehicle circuit or improved runway)

The guarantee bodily injury of the driver allows you to be compensated for your injuries in the event of an accident, even if you are responsible for the accident, or if there is no designated person responsible.

Warranty packages vary by contract and can cover, for example, the following risks:

• Illness (medical, surgical, pharmaceutical, hospitalization and prosthetic expenses)
• Temporary incapacity
• Permanent disability
• Death

There are cases in which the guarantee does not apply.

These cases include:

• Driving without a valid license (no license, or license withdrawn, suspended or canceled)
• Willful misconduct (intentional collision with another vehicle or pedestrian)
• Driving while under the influence of prohibited substances (alcohol or drugs)
• Behavior prohibited by law (hit-and-run or refusal to comply)
• Driving on an unauthorized lane (motor vehicle circuit or improved runway)

The guarantee all risks is a car insurance policy that contains the mandatory civil liability insurance and most optional insurance (the all-hazards policy may vary from company to company).

The all-hazards formula allows you to be compensated for damage to the car and for your bodily harm as a driver.

There are cases in which some or all of the warranties do not apply.

These cases include:

• Driving without a valid license (no license, or license withdrawn, suspended or canceled)
• Willful misconduct (intentional collision with another vehicle or pedestrian)
• Driving while under the influence of prohibited substances (alcohol or drugs)
• Behavior prohibited by law (hit-and-run or refusal to comply)
• Driving on an unauthorized lane (motor vehicle circuit or improved runway)

The guarantee vehicle content covers you in case of damage or disappearance of objects (personal or professional) transported in the vehicle.

Service warranties are warranties ancillary to those that cover car damage.

The guarantee legal protection allows you to get legal advice or be assisted by a lawyer for disputes related to the use of the car. For example, to seek compensation through the courts.

Assistance and troubleshooting allow you to be helped when the car is stationary (breakdown or accident).