Book I: Contracts

Insurance contracts relating to the classes mentioned in 3 and 10 of article R. 321-1 of the Insurance Code and concerning land motor vehicles must include the clause on the reduction or increase in premiums or contributions appended to this article. Unless otherwise agreed, the clause referred to in the first paragraph does not apply to contracts covering vehicles, appliances or equipment designated by the following terms, as defined in…

Art. 1At each annual due date of the contract, the premium payable by the insured is determined by multiplying the amount of the reference premium, as defined in Article 2, by a coefficient known as the reduction/increase coefficient, set in accordance with Articles 4 and 5 below.The original coefficient is 1. Art. 2 – The reference premium is the premium established by the insurer for the risk with the same…

In motor third party liability insurance, the reference premium referred to in article 2 of the appendix to article A. 121-1 may give rise to the application of an additional premium for insured persons with a driving licence less than three years old and for insured persons with a driving licence of three years or more but who cannot provide proof of actual insurance cover over the last three years…

In motor third party liability insurance, the increases listed below may only be added to the reference premium modified, where applicable, by the additional premiums or reductions mentioned in article A. 121-1-1 and by the application of the reduction/increase clause provided for in article A. 121-1. These increases may not exceed the following maximum percentages of the premium designated below: For insureds responsible for an accident and found to be…

Notwithstanding the provisions of article A. 121-1, contracts covering the following risks may include a reduction or increase clause different from that mentioned in that article: 1° Contracts insuring more than three motor vehicles belonging to the same owner and requiring a category B licence to drive. However, vehicles intended to be hired for a period of at least twelve months or to be leased remain subject to the provisions…