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Auto insurance in Europe

During your European vacation, your new vehicle Renault Eurodrive buy-back contract includes multi-risk insurance with zero deductible. Your coverage extends to 42 European countries and you benefit from assistance 24/7. Flat tires, lost keys and fuel reversal are covered.

Eurodrive auto insurance conditions in Europe

1 - Third-party damages

1a – Liability insurance

The insurer covers any damage caused to third parties (passengers, property or people outside the vehicle) by the vehicle on and off the road.

Limits on amounts insured:

  • Bodily damage: unrestricted
  • Material loss: €100,000,000
  • Material loss through fire or explosion: €10,000,000 per claim
  • Third-party material loss by accidental environmental impairment suffered by a third party: €10,000,000 per claim
  • Third-party material loss in an airport zone: €1,000,000 per claim

1b- Deference – recovery & advance payment on recovery

Deference: The insurer defends the policy holder’s financial interests in compliance with provisions relating to the payment of claims, as outlined in chapter VII of the General Terms and Conditions.

Recovery: This guarantee permits the recovery of compensation for any harm caused as part of an accident involving the insured vehicle on an amicable basis and on behalf of the policy holders. The insurer covers all fees and expenses incurred by inquiries and expert reports for an amount up to €10,000 per event.

Advance payment on recovery: This guarantee provides the owner of the insured vehicle with advance payment of the compensation to which he is entitled following the damage caused to a vehicle by a vehicle belonging to an identified third party, registered in France and with valid insurance in France, and whose liability has been established.

1c- Legal protection

Guaranteed coverage up to €3,050 per event.

2 - Vehicle damage

2a- Accidental damage/vandalism

The insurer covers direct material damage resulting from the following events:

  • Collision of the insured vehicle with one or more vehicles
  • Impact of the insured vehicle with a fixed or moving object
  • Overturning of the insured vehicle without prior collision
  • Partial damage or total loss in the event of overland shipment of the insured vehicle
  • Total loss in the event of transport of the insured vehicle by air or by sea
  • Acts of vandalism
  • Acts of nature, such as earthquakes, volcanic eruptions, tidal waves, floods, typhoons, tornadoes, falling stones or snow, avalanches or hailstone impact

Coverage is provided for an amount equal to the value assessment conducted by an expert on the insured vehicle on the day of the claim.

Exclusions: damage arising from faulty maintenance, vehicle wear or accessories falling off, partial damage arising from shipment by sea or by air, damage or failures covered by the manufacturer’s warranty.

2b- Fire/explosion/attack/storms

Coverage includes direct damage caused by fire, an explosion (even after an attack), lightning or storms. Coverage is provided for an amount equal to the value assessment conducted by an expert on the insured vehicle on the day of the claim.

2c- Theft/attempted theft

Coverage includes direct damage caused by the theft or attempted theft of the insured vehicle.

Coverage is provided for an amount equal to the value assessment conducted by an expert on the insured vehicle on the day of the claim.

2d- Luggage

The insurer reimburses the value of the clothes, personal effects and objects inside the car and belonging to the occupants, for an amount of up to €840 on presentation of the original receipts, registration of a complaint and/or an accident report.

Coverage excludes cash, bank assets, stocks and shares, valuable objects, jewelry, furs, electronic appliances and computers.

2e – Glass breakage

Coverage includes the breakage, for any reason, of all glass parts, plate glass or organic glass (windshield, rear window, side windows, door windows, lights, sun roof).

Coverage is granted for the total cost of repair.

2f- Natural disasters

In accordance with articles L 125-1 and L 125-2 of the Insurance Code, this guarantee applies to damage caused by the abnormal intensity of a natural force.

This guarantee becomes effective only after publication of an inter-ministerial decree describing the event as a natural disaster – Area covered: Mainland France. Legal excess applies.

3 - Bodily injury to passengers

3a- Individual, family and passengers

Coverage includes all persons carried free of charge or driving the insured vehicle with the authorization of the owner or policy holder. Total compensation: medical expenses of up to €4,575 per person injured; 7,626€ in the event of total permanent disablement; €7,625 in the event of death.

Note: This guarantee supplements the compensation payable under common law.

4 - Personal effects and belongings

4a – Personal effects & belongings

This guarantee supplements the coverage for accidental damage, fire and theft in Eurodrive's policy:

  • Up to €500 for cameras and camcorders;
  • Up to €760 for laptop computers and car radios not included as standard in the manufacturer’s catalogue;
  • Up to €2,000 for fixed on board radio telephones;
  • Up to €1,500 for on board DVD and video players or fixed on board GPS systems that were not delivered with the vehicle.

It is expressly agreed that coverage shall not include cash, bank assets, stocks and shares, jewelry and furs. The insurer will reimburse the personal belongings and objects of the vehicle’s occupants on presentation of the original bills, registration of a complaint and/or an accident report.

You are not covered if...

  • You drive in Albania, Belarus, Moldova, Russia, Ukraine, Kosovo or in the Turkish section of Cyprus.
  • You continue to drive the vehicle after your insurance certificate's date of validity.

Important: Never leave a back-up key or grey card in your parked vehicle.

Replacement vehicle following an accident or robbery

If you rent a replacement vehicle during your trip, do not accept complementary insurance. Eurodrive's insurance conditions cover rental vehicles. In such a case, return your rental car with a full tank directly to the rental company and not to a Eurodrive return centre.

What to do in case of an accident, breakdown, vehicle theft or other incident?

Roadside assistance is always available.

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