Frequently Asked Questions
Find answers to your most common questions about third party liability coverage in France.
Every insurance company provides a document called a Green Card. This is essentially your proof of insurance.
The Green Card has a piece that needs to be displayed on the lower right side of the windshield. If you are pulled over, you will be asked to show your green card and registration.
The Green Card displays information such as the name of insurance company, your policy number, the start and end dates of your insurance, the model of your car, and plate number etc.
On the Green Card you will also find the number for roadside assistance.
Countries include: Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France (including Monaco), Germany, Gibraltar, Greece, Hungary, Iceland, Italy (including San Marino and the Vatican City), Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden and Switzerland (including Liechtenstein). Note - The level of cover provided is the minimum level of cover required by law. It is not the same level of cover you receive when driving within the territorial limits under this policy and does not cover loss or damage to the vehicle being driven.
Immediately following an accident, you can call and arrange for towing if you have opted for Roadside Assistance. You can find the roadside assistance number on the back of your green card.
Within five days of an accident, you must call LSA Courtage and report the incident. They will help you complete the claim.
The Bonus/Malus is a European system developed as a driving history. The system can increase or decrease your premium based on this driving history.
Each country has their own sets of rules. In France, for each year without any responsible accidents means you earn a 5% bonus back on your premium. After 5 years, it increases to nearly 9%. It is therefore possible to obtain a 50% discount on your premium after 13 consecutive years of non-responsible claims.
On the other hand, if you are responsible in a claim, your bonus will be reduced. For example, Sam is 12 years claim free, in the 13th year, he has a claim and he is the responsible party. Instead of receiving the 50% bonus like he anticipated, it is reduced to 25%.
Our insurance program is built with forgiveness in mind. We will work with you to rebuild your insurance history. The more history you give us, the better bonus you will get.
For example, if you’ve been driving for 20 years, and have never had a claim but can only prove three years of driving history, we will honor your 20 years of driving history. You will still receive a bonus, and have a 15% applied.
If you have a European Union driver’s license, you do not need to change it.
If you have a European country-specific license such as Spain, with no mention of the EU, then you must get a French license.
If you have a non-EU license, you may drive in France up to one year with that license. After the one-year mark, you must change it and will no longer be able to legally drive in France.
To change your license, you must take the standard exam.
Yes, you must register your car in France to purchase insurance.