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Duration: Subscription: 15–30 minutes online; Green card: 1–2 weeks
Cost: From 200 €/year (50 cc); 500–3 000 € for sports motorcycles
Possible online
Who this guide is for
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- You if you buy a motorcycle/s scooter in France and want to ensure it
- You if you want to change insurance and keep your bonus
- You if you have a foreign license and want to insure a motorcycle in France
To be prepared in advance
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- Grey card (or copy of request) of scooter/moto
- Driver's licence (A, A1, A2, AM, or B + A1 125 cc after training)
- Statement of information from the previous insurance (if any, for the bonus-malus)
Step-by-step procedure
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- 1Check the compliance of the licence: AM (50 cc) from 14 years old; A1 (125 cc) from 16 years old; A2 (35 kW) from 18 years old; A (all capacities) from 24 years old or after 2 years of A2. Licence B + 7 hours training — allows you to drive a 125 cc up to 11 kW.
- 2Type of coverage: ( 1 ) Minimum third party — civil liability, 200 – 500 €/year ; ( 2 ) Extended third — + theft, fire, ice breakage, 400 – 800 € ; ( 3 ) All risks — + damage all accidents, 800 – 2 000 €.
- 3Compare insurers: leligue.fr (comparator), direct-insurance.fr, mgen.fr (mutuelle), AMA groups, GMF, MAIF. Online insurers (Leocare, Lovys) — often cheaper.
- 4To subscribe: complete the form online or by phone with information about you (age, permit since), motorcycle (brand, model, cylinder capacity, value), bonus-malus, garage address.
- 5Bonus-malus: coefficient 1,00 for a new driver. 5 % reduction per year without disaster responsible → max 0,50 (after 13 years). +25 % reduction per disaster responsible. The bonuses follow you from one insurer to another.
- 6Green card (certificate of insurance): received by mail, to have always on your own. Insurance Vignette — to be glued to the bike (old system, sometimes required).
- 7Help desk: usually included at all risks, optional to the third party. Check the coverage (France/Europe, time limits/kilometre limits).
- 8Legal protection: optional, 的20–50 €/year, covers legal fees in dispute after accident.
- 9Secondary driver: add spouse/child to the contract if they will drive. +5–20 % of the price.
- 10Termination: after 1 year — at any time with 1 months of notice (Hamon 2015 law). Re-evaluate each year — a change can be beneficial.
Common mistakes
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- Driving without insurance — criminal liability (- € fined 3 750, suspension of the licence, confiscation of the motorcycle).
- Choose only on the price — coverage may be insufficient in case of theft/dommage.
- Do not keep the statement of information — loss of the bonus at the change of insurer.
- Forget to report a loss in the 5 days — refusal of support possible.
- Do not check the troubleshooting assistance — tow truck at your expense.
Official sources
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Show sources in this section
Important remark
Motorcycle insurance is governed by the Insurance Code. Indicative information; rates and coverage from the insurer.
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