French Insurance Code
In forceFor insureds responsible for an accident and found to be under the influence of alcohol at the time of the accident: 150%;
For insureds responsible for an accident or a traffic offence which has led to the suspension or cancellation of their driving licence:
Suspension of between two and six months: 50%;
Suspension of more than six months: 100%;
Cancellation or several suspensions of more than two months during the same reference period as defined in article A. 121-1: 200%;
For policyholders guilty of hit-and-run after an accident: 100%;
For policyholders who did not declare one or more of the aggravating circumstances listed above when taking out a policy, or who did not declare the claims for which they were responsible during the three years prior to taking out the policy: 100%;
For policyholders responsible for three or more claims during the annual reference period: 50%.
These increases are calculated on the basis of the reference premium defined in paragraphs 1 and 2 of article 2 of the appendix to article A. 121-1, before it is modified by the additional premium provided for in article A. 121-1-1, or by the application of the standard premium reduction/increase clause.
The total of these increases may not exceed 400% of the reference premium thus defined.
Where the insured proves that the suspension or cancellation of his driving licence is the result of either driving under the influence of alcohol, or a hit-and-run offence, or both, the maximum increase set by the insurer may not exceed either the increase resulting, where applicable, from the sum of the increases for these traffic offences, or that applicable for the suspension or cancellation of the driving licence.
Each increase provided for in this article may not be demanded more than two years after the first annual due date following the date on which the aggravating circumstance giving rise to the increase occurred.
