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Article R211-10 of the French Insurance Code

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°…

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Article R211-11 of the French Insurance Code

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°…

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Article R211-12 of the French Insurance Code

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.

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Article R211-13 of the French Insurance Code

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…

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Article R211-14 of the French Insurance Code

Any driver of a vehicle referred to in article L. 211-1 must, under the conditions set out in the articles of this section, be able to produce a document giving a presumption that the insurance obligation has been met. This presumption results from the production, to the officials or agents responsible for recording traffic offences, of one of the documents, the conditions for the production and validity of which are…

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Article R211-14-1 of the French Insurance Code

The provisions of article R. 211-14 do not apply to drivers of vehicles normally based, within the meaning of article L. 211-4 , in the territory of a State other than France or Monaco, as referred to in the same article. However, any driver whose vehicle is registered in a Member State of the European Union other than France or registered in a third country but coming from a Member…

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Article R211-15 of the French Insurance Code

For the application of Article R. 211-14, the insurance undertaking must issue, free of charge, a supporting document for each of the vehicles covered by the policy. If the policy cover applies to both a motor vehicle and its trailers or semi-trailers, a single supporting document may be issued, provided that it specifies the type of trailers or semi-trailers which may be used with the vehicle and, where applicable, their…

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Article R211-16 of the French Insurance Code

The presumption that the insurance obligation has been met is established by the supporting document for the period mentioned on that document. However, this presumption remains valid for one month from the expiry of this period.

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Article R211-17 of the French Insurance Code

The supporting document referred to in article R. 211-15 is issued within a maximum of fifteen days of taking out the contract and renewed when subsequent premiums or portions of premiums are paid. If this document is not issued immediately, the insurance company will issue, free of charge, a provisional certificate when the policy is taken out or during the term of the policy, establishing the presumption of insurance for…

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Article R211-18 of the French Insurance Code

For the use of vehicles belonging to the State or made available to it, not covered by an insurance contract and not specially registered, a certificate of ownership is issued by the competent administrative authority. No certificate may be issued by an authority that has not been delegated to do so.

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