GENERAL PROVISIONS

Automobile

Thank you for your trust
Your contract consists of:

• these General Provisions which describe everything we offer you to best ensure your responsibilities, protect the driver and your vehicle,
• the Specific Provisions which specify the effective date of your contract, your declarations as well as the guarantees you have chosen and which prevail over the General Provisions in case of contradiction between them. Each guarantee or extension of guarantee is acquired if you have expressly chosen it in the Specific Provisions.

Our insurance company is subject to the Prudential Control and Resolution Authority (ACPR) located at: 4 place de Budapest - CS 92459 - 75436 Paris Cedex 09.

To remember

To facilitate your reading, the following pictograms will help you identify useful information.
Good to know

Summary

• Allianz, your partner on the road ---------------------------------------------------------------------- 3
• Your insurance in practice ----------------------------------------------------------------------------------- 4
• Key definitions -------------------------------------------------------------------------------------------- 5
• Summary table of the proposed guarantees --------------------------------------------------- 7
• Classic guarantees ----------------------------------------------------------------------------------------------- 8
  • I. Civil Liability Guarantee 8
  • II. Defense of your interests following an accident 10
  • III. Driver Guarantee 13
  • IV. Glass Breakage Guarantee 14
  • V. Natural Disaster Guarantee 15
  • VI. Technological Disaster Guarantee 16
  • VII. Terrorism Guarantee 16
  • VIII. Fire - Forces of Nature Guarantee 16
  • IX. Theft Guarantee 17
  • X. All Accidents Guarantee 17
• Optional guarantees ------------------------------------------------------------------------------------------ 20
  • I. Indemnity Plus Option 20
  • II. Content Option 20
  • III. Equipment Option 21
• General exclusions ------------------------------------------------------------------------------------------------------ 22
• Where do your guarantees apply (territorial scope)? ----------------------------------------- 24
• Compensation ---------------------------------------------------------------------------------------------------------------- 25
  • I. What should you do in case of a claim? 25
  • II. How is the compensation determined? 26
  • III. In what timeframe are you compensated? 29
  • IV. Our right of recourse against a liable party 30
• The life of the contract -------------------------------------------------------------------------------------------------------------- 31
  • I. International Sanctions 31
  • II. Applicable law to the insurance contract 32
  • III. The insured risk 32
  • IV. Your premium 33
  • V. Start and end of contract 35
  • VI. Usage and socio-professional category clauses 38
  • VII. Miscellaneous clauses 40
• Miscellaneous provisions ----------------------------------------------------------------------------------------------------- 42
  • I. Prescription 42
  • II. Fight against money laundering 43
  • III. Customer Relations and Mediation 43
  • IV. Right of withdrawal 44
  • V. Competent courts 45
  • VI. Language used 45
  • VII. Consumer right to oppose telemarketing 45
  • VIII. The protection of your personal data 45
  • IX. Evidence agreement 47
  • X. Control authority 47
  • XI. Unique identifier (IDU) ADEME 47
• Appendix: Information sheet regarding the functioning of Civil Liability guarantees over time ------------------------------------------------------------------------- 48
• Glossary ------------------------------------------------------------------------------------------------------------------------------- 51

Do not forget to report your claim before any repair or replacement!
An impact, a crack on my windshield
It's simple: do all your procedures at www.allianz.fr!
You can contact your intermediary at the number they provided you.
I am injured
Your first reflex: call emergency services at 112 or send a text to 114 (for the hearing impaired).
My car has been stolen!
Remember to file a complaint (with the police or gendarmerie) within 24 hours and report your claim to us within 48 hours. This way, your liability cannot be engaged if the thief causes an accident, for example.
Even faster: file a pre-complaint online at www.pre-plainte-en-ligne.gouv.fr.

Allianz, your partner on the road

Your insurance in practice

Good to know
What is Civil Liability?
It is the minimum mandatory guarantee when you own a vehicle. If you have only taken out this guarantee, you are insured for third-party liability. It allows for the financial coverage of bodily, material, or immaterial damages (loss of revenue, travel expenses, for example) that you may cause to others in the event of an accident for which you are responsible and involving your vehicle.
For example: you hit your neighbor's gate. Thanks to your Civil Liability guarantee, we will cover the costs to replace the gate. You will not have to pay anything, except for the deductible if your contract provides for it.
For more information, you can refer to the chapter