Section III: Deductibles, exclusions from cover, forfeiture and recourse by the insurer.

Without contravening the provisions of Article L. 211-1, the insurance contract may contain clauses excluding cover in the following cases: 1° Where, at the time of the claim, the driver is not of the required age or does not hold the valid certificates required by the regulations in force for driving the vehicle, except in the case of theft, violence or use of the vehicle without the insured’s knowledge; 2°…

Clauses in contracts whose purpose is to exclude liability incurred by the insured from cover are valid, without the person subject to compulsory insurance being exempted from this obligation in the cases set out below: 1° As a result of damage caused by the vehicle when it is transporting sources of ionising radiation intended for use outside a nuclear installation, if the said sources caused or aggravated the loss; 2°…

Where an insurance contract includes one of the exclusions of cover provided for in article R. 211-11, it must state that if the limitations of use which justify this exclusion are not complied with, the penalties provided for in article L. 211-26 and the increase provided for in article L. 211-27, 1st paragraph, will be incurred.

The following may not be invoked against victims or their dependants: 1° The excess provided for in Article L. 121-1 ; 2° Forfeitures, with the exception of the regular suspension of cover for non-payment of premium; 3° The reduction in compensation applicable in accordance with article L. 113-9 ; 4° The exclusions of cover provided for in articles R. 211-10 and R. 211-11. In the above cases, the insurer pays…