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Motor insurance: How to get your no-claims bonus in France acknowledged abroad?

Motor insurance: How to get your no-claims bonus in France acknowledged abroad?

Motor insurance: how to get your no-claims  bonus in France  acknowledged abroad ?
07/02/2019

Moving abroad from France involves a certain number of administrative steps for your vehicle: you will have to go through the process of registering it in your new country of residence and changing the motor insurance. 

If you are able to keep your vehicle registered in France, this article does not affect you. You will be able to keep your French motor insurance. 

Insurance companies cannot insure a vehicle that has a foreign registration plate. Therefore, you are required to cancel your insurance contract in France by reason of relocation (provided for in article L.113-16 of the «code des assurances») and sign up for a new contract in the country where your vehicle is registered. 

At the time of cancellation of your insurance contract, ask your old insurer for an information summary, in English if possible, to send to your new insurer. 
This summary contains necessary information. In particular, the document details all of the accidents over the last 5 years, specifying the share of the responsibility. It also mentions a Rebate/Surcharge Coefficient («Coefficient de Réduction Majoration» or CRM), more commonly known in France as «bonus» or «malus». This coefficient takes into account your whole track record, including anything that happened prior to the last 5 years.
 

Please note :
 
  • The insurer in your new country of residence is normally free to re-assess your bonus according to his own risk analysis and offer you one that corresponds to his tariff policy.
     
  • Some foreign insurers may not have a no-claims bonus system at all. Check with several insurers before taking out a new insurance contract.

You will find in the document below written in partnership with the Centre Européen de la Consommation an explanation of the French no-claims bonus system and an example of the coefficient evolution.

Motor insurance (in English, German)

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Motor insurance: how to get your no-claims  bonus in France  acknowledged abroad ?

Dieses Informationsblatt richtet sich an Fahrzeughalter, die von Frankreich in ein anderes EU-Land umziehen und dort ihr Auto zulassen möchten.

Für den Fall, dass Ihr Fahrzeug weiterhin in Frankreich zugelassen bleiben kann, sind Sie von folgenden Informationen nicht betroffen.