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

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Article R211-10

French Insurance CodeIn force

Updated 7 Nov 2023

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° With regard to damage suffered by the persons transported, when the transport is not carried out in sufficiently safe conditions as laid down by a joint order of the Minister of the Economy and Finance, the Minister of Justice, the Minister of the Interior, the Minister of Defence and the Minister of Transport.

The exclusion provided for in 1° of the previous paragraph may not be invoked against a driver holding a certificate declared to the insurer at the time of taking out or renewing the contract, when this certificate is invalid for reasons relating to the place or duration of residence of its holder or when the restrictive conditions of use, other than those relating to the categories of vehicle, stated on the certificate have not been complied with.

Mariela Petrova

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Common Questions

Working with a corporate lawyer in France — Q&A

Any time a strategic decision changes how the company is owned, governed or contractually bound — incorporation, fundraising, M&A, restructuring, shareholder agreements, or major commercial contracts. Earlier engagement always costs less than later remediation.

A notary (notaire) is a public officer who authenticates specific deeds (mainly real-estate transfers and certain family-law acts). A corporate lawyer (avocat) advises on strategy, negotiates and drafts company documents, and represents you in disputes. The two roles complement rather than overlap.

Yes — most of our clients are foreign suppliers, investors or holding entities. We bridge the gap between French law and your home jurisdiction's expectations and deliver everything bilingually.

The SAS (Société par Actions Simplifiée) is the default choice for most international structures: flexible governance, single shareholder allowed, no minimum capital, and works cleanly with foreign holding entities. We assess SARL, SA, SCI on the merits when the situation calls for it.

Yes — communications with a French avocat are protected by the secret professionnel (Article 66-5 of the Law of 31 December 1971). This protection is broader than the common-law attorney-client privilege and applies to written and oral exchanges.

We work on fixed fees for clearly scoped engagements (incorporation, contract drafting, audits) and on monthly retainers for ongoing advisory. Hourly billing is the exception, not the default. You always know the cost before work starts.

Typical timeline is 2–3 weeks from KYC kick-off to RCS registration, assuming standard documentation. Holding-company structures, foreign-shareholder identification or in-kind contributions can extend this — we flag the gating items at the first meeting.

Absolutely. We routinely coordinate with your in-house counsel, expert-comptable or notaire — pragmatic collaboration is the norm, not the exception. We send them everything they need to do their part without duplicating work.

Mariela Petrova

Mariela Petrova

Avocate au Barreau de Paris

Toque #C2396

15+ Years In Corporate Practice

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Communications protected by professional secrecy — secret professionnel de l'avocat, Article 66-5 of the Law of 31 December 1971.

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