Insurance cover for car-sharing

MMA

Our partners Assurance Allianz systematically protects cars hired on Tripndrive.

  • There is no additional admin to do
  • The no-claims bonus of the Owner is protected in the event of an accident
  • Insurance and breakdown cover included in the price shown

The insurance cover is governed by the Special conditions of the Insurance and by the Terms and conditions of the Insurance.

What is covered by Allianz insurance

Public liability

  • Unlimited cover for physical injuries
  • Up to 100 million euros for property damage

Damage Cover

  • Vehicle insured against all accidents, fire, theft, windscreen breakage
  • Limit of cover: 50,000€. This means that if the residual value of your vehicle is greater than that amount, you will only be refunded up to 50,000€.
  • Exclusion: the insurance does not cover damage to the top of the vehicle caused by incorrect assessment of its height.

The insurance conditions on Tripndrive

Vehicle insurance conditions

  • A private car, marked VP in box J1 of the carte grise.
  • A light utility vehicle with a weight when loaded of less than 2.3 tonnes, marked CTTE or DERIV VP in box J1 of the carte grise.
  • The car must be registered in France and the registration document must be in the name of a private owner, an artisan, a business person or a motor trade professional.
  • Having valid insurance

Hirer’s insurance Conditions

  • The hirer must be a private individual aged at least 21 years
  • They must have a driving licence which is valid in France issued over two years ago
  • An additional driver is allowed, providing that they are mentioned in the hire contract and that they meet the above criteria

Hire insurance Conditions

  • Driving is only authorised in the following countries: mainland France and the surrounding countries, including the United Kingdom and Portugal.
  • The hire is for private use only (with the particular exclusion of any commercial activity, such as the transport of paying passengers)

In the event of a problem

Breakdown cover and roadside assistance from the first kilometre

In the event of an accident, 24/7 breakdown cover is included from the first kilometre for all vehicles.

Excess and excess reduction

The excess is the amount which remains to be paid by the Hirer. It is applied in proportion to the degree of responsibility of the Hirer in the accident:

  • If the Hirer is declared not responsible: the Hirer has nothing to pay.
  • If they are declared 100% responsible, the excess is 800€.
  • If they are declared 50% responsible: the excess is 400€.

Particular cases:

  • Windscreen breakage: excess reduced to 100€
  • Non-return of the vehicle by the Hirer: excess increased to 3,000€.
  • Non-responsible accident while vehicle parked and with no identified third party: the excess is still applicable (800€ or 200€ if subscribed to the purchase excess option)

the excess is applied for each accident. If there are two distinct accidents, the excess is applied twice.

Option "Purchase excess" is offered on booking for a supplement of 4 € per day of hiring. It reduces the excess for which the Hirer is responsible from 800€ to 200€ as soon as their responsibility is engaged. The excess will then be reduced to 200€ whether they are declared 50 or 100% responsible for the accident.

Damage caused while the vehicle is parked where no third party is identified, is excluded from the purchase excess.

In the event of an accident, breakdown or theft

Accident

You must behave as you would if you had an accident in your own car, except that the insurance cover is provided through Tripndrive: for an accident involving third parties, a ‘constat à l'amiable’ (accident report form) must be completed. If roadside assistance is required, Tripndrive will send a breakdown service to tow the vehicle to a nearby garage. If the cost of the repairs is less than the insurance excess, the repairs must be paid for in full by the hirer. The security deposit ensures that the owner is refunded. If the cost of the repairs is greater than the insurance excess, Tripndrive will report the accident to Allianz, who will pay the garage directly for the cost of repairs. The excess is payable by the hirer.

Breakdown

The driver should notify Tripndrive. 24/7 breakdown cover will organise repair of the vehicle. If required, the transport of passengers is taken care of to enable them to finish their journey. As always, in the event of breakdown, the owner will pay for repair of their vehicle. If required, the roadside assistance will take the owner to the garage where they will collect their vehicle.

Theft

The hirer must report the theft at the police station within 48 hours. The insurance assessor will assess the value of the stolen vehicle and the owner will be refunded for the corresponding sum, the excess remaining payable by the hirer.