Experienced driver, newly licensed, malus, cancelled, licence suspended for drink-driving: every profile, including the difficult ones. Third party, third party plus, fully comprehensive, and solutions for LOA and LLD leases. Car insurance is what we do most.
Get my personal quoteThe French motor market splits drivers into four broad profiles. Most mass-market insurers only serve the standard one. We work with a network of specialist carriers that covers all four, including the most complex.
You are over 21, have held your licence for at least three years, your bonus-malus coefficient sits between 0.50 and 1, and you have at most a couple of minor claims. You get the best rates on the market and the widest choice of policies. This is the core of the market.
You have just passed your test, or you have been insured for less than 24 months. Mainstream insurers may refuse you or apply a heavy loading. Dedicated products exist with adapted terms and a path back to standard pricing.
At-fault claims have pushed your coefficient above 1. Mass-market insurers may turn you away. Specialist carriers accept much higher coefficients and let you work your way back to the standard market.
Cancelled for non-payment, heavy claims history, licence suspended or revoked for alcohol or drugs. Solutions still exist here, with specialist carriers that accept these profiles under conditions.
If one insurer turns you down, we can usually still find a way. Our commitment: even the profiles the market calls "difficult" leave with a compliant policy and a premium that can be justified.
The right level depends on the age and value of your car, how you use it, and how much you are willing to pay yourself when something happens. We help you decide against what the car is actually worth.
The cover required by law to drive in France. It pays for damage you cause to others: other vehicles, pedestrians, property and injury. It does not cover your own car.
Third party cover plus a defined set of damage guarantees: glass, theft, fire, weather events. The usual choice for a used or mid-value car you want to protect without paying for full comprehensive.
Everything above, plus damage to your own car in any accident, including when you are at fault. The right choice for a new or recent car (under five to seven years), a high-value car, or a car on a lease (LOA or LLD).
Depending on the policy, you can add several options : roadside assistance from 0 km, courtesy car, legal protection, accessories and contents, limited mileage, extended replacement-value settlement, higher driver capital.
Four simple steps, no pressure, no commitment.
Four minutes to capture your profile, your car and how you use it.
By phone, email or WhatsApp, whichever you prefer.
Including the ones that specialise in difficult profiles.
Certificate of insurance issued immediately, and we handle the cancellation of your old policy.
A complete questionnaire, so we can price your quotes straight away without coming back to ask for more. Compared across more than 30 carriers, free and without obligation. Allow four to six minutes.
The details on your registration document let us price your quote directly.
So we send your request to the right carrier.
Where it sits overnight affects the premium, theft cover in particular.
Declared use drives both the premium and the exclusions. Getting it wrong can void your cover, so be precise.
Every insurer asks for these details before pricing a policy.
The date you passed your category B test is used to work out your driving experience.
Your bonus-malus coefficient appears on your claims record or your renewal notice.
Every insurer asks these. Answering yes does not stop you getting covered, it just changes which carrier we approach.
The main driver is whoever drives the car most often.
Start with your main level of cover.
A personal answer within 24 working hours, by email and phone. Your details go only to the insurers we approach (GDPR).
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The answer depends mostly on the age and value of your car. New or recent (under five to seven years), or high value: go comprehensive. Between five and ten years and in good condition: third party plus, meaning glass, theft and fire. Over ten years or low value: plain third party. Part of our job is to work out the point at which comprehensive cover stops making economic sense against what the car is actually worth.
Yes. Dedicated products exist for new drivers and for anyone insured for less than 24 months. Mainstream insurers often refuse or apply a loading that can double the premium in the first year, but specialist carriers price these profiles properly. Accompanied driving and three years of licence usually reduce the loading. Our job is to put those carriers side by side and find the one that prices your profile best.
Not necessarily. Above a coefficient of 1, many mass-market insurers decline. Carriers specialising in aggravated risk accept far higher coefficients. The premium is higher than a standard profile, but it stays reasonable next to the cost of driving uninsured, which is a criminal offence in France and carries heavy fines. After a few claim-free years your bonus rebuilds and you can move back to standard contracts.
It makes things harder, not impossible. A cancellation by a previous insurer, whether for non-payment, claims frequency or misrepresentation, appears on your claims record and is visible to new insurers through the AGIRA database. If the debt has been settled, several carriers will cover you again under conditions. Cancellation for misrepresentation is tighter but not a dead end. The Bureau Central de Tarification can also compel an insurer to provide third-party cover at the standard rate.
Through a carrier specialising in aggravated risk, and by declaring the situation up front. Hiding it is the one thing that will cost you the policy: the insurer discovers it through the AGIRA database and can void the contract for misrepresentation, leaving you with no cover at the worst possible moment. Declared honestly, a revoked licence leads to a loading and sometimes a restricted set of guarantees, but a valid contract all the same.
Same day in most cases. Once your quote is accepted we issue the certificate of insurance immediately, so you can drive legally straight away. If you are switching from another insurer, we handle the cancellation of your existing policy under the Hamon law, which lets you leave at any time after twelve months without penalty.
It depends on the situation. If you live in France, the car normally has to be registered in France, and you have a legal window to re-register it after moving. Some carriers cover foreign-plated cars temporarily during that window. Tell us the details and we will tell you what is possible before you commit.
Yes, and this is a case worth getting right. A leasing company almost always requires fully comprehensive cover, and often a specific settlement clause so that the outstanding balance is cleared if the car is written off or stolen. We check the requirements in your lease agreement and make sure the policy actually meets them.
A tailored quote within 24 hours, across more than 30 partner carriers. Certificate of insurance issued immediately, and we handle the paperwork from start to finish. Free, no obligation.
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