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| Is
it possible to insure a UK registered car through AXA?
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Yes, but only provided that you are an existing AXA
client and in the process of re-registering the car in France. AXA
will issue a cover note giving you one month’s insurance cover.
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| Can
I transfer my no-claims bonus to France? |
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Yes. You need to ask your previous insurer to issue
a letter stating your name, policy number, no claims bonus (measured
in no. of years) and accident history. The letter does not have
to be in French. French insurance companies apply a uniform bonus
system and in order to get the maximum bonus you will need at least
13 years driving without claims. |
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| How
does the French no claims bonus system work? |
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Inexperienced drivers start with a so-called “bonus/malus”
of 1.00 and pay 100% of the standard premium. For each year with
no accidents, the bonus/malus is reduced by 5%. After 13 years without
accidents a driver reaches the lowest bonus/malus possible (0.50)
and pays only half the standard premium.
In case of an accident where you were at fault, your bonus/malus
will be increased by 25%, e.g. if your bonus/malus were 0.60, it
will increase to 0.75 the following year. If you were only partly
at fault, the increase is limited to 12.5%. However, if your bonus/malus
has been 0.50 for three years, no increase is calculated, unless
you have a second accident within three years.
Unlucky drivers can take comfort from the fact that the bonus/malus
is always reduced to 1.00 after two years with no accidents. |
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| What
do I do if I am involved in a traffic accident? |
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A special accident report (“constat amiable”) should
be filled in and signed together with the driver of the other
vehicle (assuming another vehicle is involved). If more than two
vehicles are involved, you need to make one accident report per
vehicle.
Keep cool and make sure that the report is completed as extensively
and precisely as possible. Consider carefully what to respond
to every single question on the form. Once the document has been
signed and mailed to the insurance companies, there is no way
back. Nothing can be changed or amended.
Make sure to get names and addresses of possible witnesses. Passengers
in the cars involved are not valid witnesses.
If your car needs repair, you should inform us of which garage
you wish to use and when it will be there for inspection. We will
then contact a loss adjuster. Do not carry out any repairs before
the car has been inspected by the loss adjuster.
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| How
is my car insurance premium calculated?
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The main parameters are:
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car
type, make, model, options and age
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driver’s age, job and experience as defined by number
of years holding driving licence, no claims bonus and accident
history
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use (private, job or mixed)
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postal code
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annual distance driven
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Some
of our friends borrow our house and car in France while we are on
vacation. Will the insurance cover in case they have an accident
with the car? |
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Yes. The notion of “named drivers” does not exist in
France which is a major difference from British car insurance contracts.
In France, the car is insured no matter who sits behind the wheel
(unless specifically excluded in the contract, which is hardly ever
the case). However, the excess may be increased if the driver has
held a driving licence for less than three years.
When you take out cover you will be asked about regular drivers
but you can lend the car on an occasional basis without special
permission from the insurance company. |
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| A
friend of mine borrowed my car and had an accident. Will it affect
my bonus? |
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Yes. Your bonus/malus will be increased (assuming your
friend were fully or partly responsible). |
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I
want to take my car to the UK for a few weeks. Do I need authorisation
or special cover from AXA to do so? |
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No. Your car is automatically covered for leisure trips
up to 90 days in all European countries. All you have to do is remember
to bring the (signed) green proof of insurance. |
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