top cx logo
cx logo
Explorearrow down
search icon
Explore
arrow down

How to claim back excess from French car insurers after an accident

We explain the criteria and process for excess reimbursements and what to do if the insurer refuses

There are some cases where you can claim back the franchise (excess) paid to your car insurer Pic: Scarc / Shutterstock

If you are involved in a car accident, you will usually have to pay a franchise (excess) – the amount the insurer will not pay back for claims – but there are some notable exceptions.

If the excess in your contract is €500 and you claim for €1,200 of repairs to your car, the insurance company will provide €700, leaving you to pay for the rest.

Read more: Who should pay for my car damage caused by a pothole in a French road?

Many French insurers operate a sliding scale of excesses.  

If you accept a high excess – €500, for example – you pay less for your insurance than if you have a lower excess.

Three key criteria

In France, there is one general exception to the rule: you do not have to pay the excess if you claim for an accident for which another driver is entirely responsible, identified and insured.

If the three requirements are met, there are two ways of getting insurance companies to pay the excess.

The first is for you to pay the excess to your own insurance company, but claim it back from the insurance company of the driver responsible for the accident.

Legal protection may be included in policy

Alternatively, if you have protection juridique as part of your insurance, you activate it to get your own insurance company to make the claim for the excess from the other driver’s insurance company.

Protection juridique is usually included as part of the package for even the cheapest car insurance from the well-known companies, or alternatively it can be offered as a paid-for extra.

Most insurers in France also offer a separate renseignement juridique service to brief you on your legal options after you have been involved in an accident.

What if you are refused?

If the other driver’s insurance company refuses to pay the excess, your insurer refuses to undertake the procedure to have them pay even though you have protection juridique, or your company undertakes the procedure but the other company refuses to pay, your options are unfortunately limited.

You should open a case as quickly as possible with the médiateur of your own insurance company, a sort of in-house ombudsman.

As well as trying to solve conflicts between clients and the company, the médiateur is also charged with trying to solve conflicts between clients and other insurance companies.

Since 2014, insurance companies have had to have a médiateur, to include their contact details clearly in the insurance documents, and to tell you about the service when you sign the contract.

If you cannot find the médiateur contacts by yourself, your insurance adviser must provide them if you ask.

Related articles

French private speed camera cars caught over 500,000 drivers in 2021

Insurance clarified for self-employed workers in France

Photo: French police stop van carrying everything plus kitchen sink

Resident or second-home owner in France?
Benefit from our daily digest of headlines and how-to's to help you make the most of life in France
By joining the newsletter, you agree to our Terms & Conditions and Privacy Policy
See more popular articles
The Connexion Help Guides
featured helpguide
Healthcare in France*
Featured Help Guide
- Understand the French healthcare system, how you access it and how you are reimbursed - Useful if you are new to the French healthcare system or want a more in-depth understanding - Reader question and answer section Aimed at non-French nationals living here, the guide gives an overview of what you are (and are not) covered for. There is also information for second-home owners and regular visitors.
Get news, views and information from France
You have 2 free subscriber articles left
Subscribe now to read unlimited articles and exclusive content
Already a subscriber? Log in now