Frequently Asked Questions

In order to get fair pricing, we require:

• A copy of your driver’s licence
• A copy of the vehicle registration document or order form (for new vehicles)
• A claims history statement covering a period of 36 (thirty-six) months and dated not older than 3 (three) months

When you subscribe, we will also ask you for a copy of your identity card.

It is a document issued by your last insurer which specifies in particular:

• Your bonus reduction coefficient
• Your claims history
• The dates of validity of the policy
• The status of the policy (cancelled or not)
• Various disputes (non-payment, false declaration, etc.)

We invite you to make your request to your former insurance company by telephone, e-mail or post. According to Article 12 of the Annexure to Article A121-1 of the Insurance Code, the insurance company must issue a claims history statement in the following cases:

• At the express request of the policyholder, within a maximum of 15 (fifteen) days
• Where the policy is cancelled by either the insurer or the insured

Non-payment of the premium is not a legitimate reason for refusing to issue a claims history statement to the insured. If an insurance advisor refuses to provide it to their client, we recommend that you directly contact the company’s head office or its claims department.

Our advisors will guide you according to the age of your vehicle, its value, etc. Generally  speaking, we offer three types of cover:

• Option 1 : Civil liability + criminal defence and appeal
• Option 2: Option 1 + theft and fire
• Option 3: Option 2 + All-accident damage

This statement must be translated into English. We will then recalculate a bonus based on the date on which this insurance was taken out abroad and any claim(s) reported during the period   covered.

From an initial threshold of 100, the coefficient is reduced by 5 (five) percent for each period of twelve consecutive months without an at-fault accident (even partially). Each fully at-fault material    claim results in a 25 (twenty-five) percent increase in the coefficient; each partially at-fault claim   results in a 12.5 (twelve point five) percent increase. Only claims involving third parties are taken into account.

Your penalty cannot exceed 250%, which corresponds to a coefficient of 3.50. Moreover, in case of a penalty, the coefficient returns to its initial threshold of 100 after two consecutive years without    a claim.

No. The vehicle must be insured in the country to which it will be exported.

You can lend your vehicle to anyone who has had a valid driver’s licence for more than 3 (three) years. In the event of a claim, your insurance premium will be affected if it is determined that this third party was driving your vehicle.

NB: If the driver is a novice (driver’s licence less than three years old) and not personally insured for a vehicle, an additional excess will be applied to the initial excess.

Yes, your policy obliges you to report it. Insurers consult the Central Vehicle Claims Database, which lists all vehicle claims for the past six years. In general, your insurer sets your insurance premium based on the information you have given them and makes changes to your premium   or policy, if necessary, based on the information they get from the Claims Database. It is   important to declare all relevant and accurate facts to your broker or the policy will be void.

The insurance companies implement a tariff zone system according to the different claims identified in each city or even street according to:

• Traffic
• The number of vehicle thefts
• The frequency of vandalism

Yes, we can insure your vehicle for a limited number of kilometres, as defined at the time you take out your cover.

If you want to insure your classic vehicle against damage, we require a valuation that is less than 5 (five) years old. Purchase receipts are accepted for vehicles under €24,000 (twenty-four thousand euros) and purchased less than 2 (two) years ago.

Yes, if you can prove that you have a minimum of 9 (nine) months of previous driving experience in the last 12 (twelve) months, we can carry over your motorcycle bonus for the purchase of your     car.

Under certain conditions, they can benefit from the bonus reduction coefficient of their spouse/partner within the limit of their years of licensed driving experience.

If you can prove that you have regularly driven a company vehicle, i.e., a vehicle entrusted to you on a permanent basis for both private and professional purposes, for at least 12 (twelve) months out of the last 24 (twenty-four) months, we will be able to re-establish a bonus.

To enable us to do this, the employer must issue a certificate that specifies the length of time you have been driving, the full claims history and the name of the insurance company (we can provide you with a standard form to complete).

Depending on the insurance company, your bonus is retained for 2 (two) to 3 (three) years after the date of cancellation of your last policy.

We can take care of the cancellation requests for you. The Hamon law, which came into force on 1 January 2015, allows policyholders to terminate their policy after one year of subscription, at any time and without explanation. It is up to the new insurer to take care of the cancellation formalities in order to facilitate the steps taken by the insured.

Some examples:

• Change of postal address, e-mail, telephone or bank details
• Change of marital status
• Registering my child as an accompanied driver

It will be necessary to specify which vehicle we must cover and to send us a certificate from the driving school that reflects the surname and first name of the learner driver; date of birth; name and address of the driving school; and surname and first name of the accompanying person or persons.

To the address of the Workers’ Compensation Claims Department: sinistres.at@jutheau-husson.com (Avoid sending to the general address of the company and/or the healthcare division).

It is not necessary to send medical certificates and medical expenses concerning a workplace accident or occupational disease to the CCSS. They should be sent directly to your employer who will then forward them to us.

You must first contact your employer so that they can deliver a report accompanied by the original medical certificates issued to you by your doctor.

The prevailing law in Monaco specifies that medical care related to a workplace accident or occupational disease is reimbursed at 100 (one hundred) percent of the French social security reimbursement rate. Only procedures covered by French social security are reimbursable. You are responsible for paying any extra costs, so it is important to inform the medical professionals that you have sustained a workplace accident or contracted an occupational disease in order to avoid such costs.

To avoid having to pay in advance, you must submit all prescriptions related to your workplace accident (examinations, surgery, etc.) for our prior approval, either by post or by e-mail to: sinistres.at@jutheau-husson.com.

We reimburse you by bank transfer. You will be asked to provide a bank or postal account number when your file is opened.

All treatment related to the illness must be referred to your usual social security scheme.

According to Monegasque legislation on work-related accidents, the first 28 (twenty-eight) days are paid at 50 (fifty) percent of your gross salary, after which you will receive two-thirds of your salary. A salary supplement may be provided for within your company, depending on your collective agreement. We recommend that you contact your employer.

We systematically send them to your employer with each payment. You should ask him/her for them.

You must send it to the CCSS in order to preserve your rights to medical and family benefits throughout the period of your absence from work.

We pay annuities related to a workplace accident at the end of each calendar quarter.

You will be informed by letter at the beginning of each year of the amount of your annuity paid by the companies. However, for payment of the annuity increase, this document must be sent to us at the end of each year between 15 November and 15 December

You must apply by letter to the Monaco Court for Workplace Accidents. This must be done 5 (five) years after the date of consolidation, i.e., when your condition has stabilized.