insurance, warranty and assistance
The insurance, warranty and assistance
— which are described further on our Insurance, etc
page accessible via the
left navigation bar — are all included
in the price of a lease as quoted by the IdeaMerge software.
The insurance consisting of civil liability and zero-deductible (alias zero-excess)
collision, theft, vandalism, fire, and act-of-God
coverage and the factory warranty are essentially air tight. The "big things"
are completely covered, but so are the little things such as scratches and
dings. Likewise the assistance program is remarkably comprehensive and very well structured.
Again, all these coverages are included in the one set price.
Many people wonder if their partner or partners can drive the car.
Strictly speaking, the French tax-free car registration entails the following
constraint (embellished with bracketed comments by IdeaMerge): "Apart from the holder of the
car registration document [i.e. you the person in whose name the car
is registered], only the spouse, the co-habitee (with documentary
proof of living together, or an affidavit [i.e. to that effect, signed by
a notary public]), and direct ascendants [i.e. parents] and
descendants [i.e. children] if they satisfy the necessary conditions
to benefit from the same TT regime [i.e., basically, reside outside
the European Union and are 18 years old; and relative to registration that is
TT special, if they too would qualify for such registration] may pick-up the car."
[The term "pick-up" implies that such persons are generally qualified to
drive such car without being accompanied by other such persons.
However, please note that a "proxy" form must
be submitted to specifically qualify someone other than you, the person in whose name the car
is registered, to pick-up the car in your absence.]
Apart from the pick-up occasion, this limitation is enforceable in France
only and by French Customs officials only (not by regular French
police nor other
police nor by customs officials of other countries).
In spirit this constraint is meant to withhold
from persons whose main residence is in Europe
the benefits of tax-free car registration.
Almost only with respect to that spirit
might the constraint be enforced by French Customs.
The insurance is a separate issue:
the insurance is effective no matter who is driving, provided
the car is being driven within the geographic domain of the insurance.
(That domain is represented on this Webpage in terms of a list
of some 30 countries.) If a friend, say,
were to grab your keys, jump in your car, and drive it into a flying
buttress of Germany's Cologne cathedral,
the insurance would be effective relative to this incident. Similarly, if while on a particular driving
excursion in France one or more of the aforementioned qualified drivers
happened to become incapacitated (e.g. by illness) yet remained in the
car, another companion (e.g. friend) could drive the car in their stead
without violating the terms of the car's registration and insurance.
Note the insurance does not cover personal belongings.
Such insurance is available from companies specializing in travel insurance.
See the relevant link on our Resources page.
Neither does the insurance cover the tires. If your car has a
flat tire (not caused by vandalism), you are responsible for solving the problem. Usually the solution
involves changing the tire to the spare tire (jack, wrench and spare included)
and driving to a tire shop for repair or replacement of the tire. Most flats
can be repaired quickly and inexpensively using a sealant. If the tire must
be replaced, however, the total cost may approximate EUR200. This cost is born
by you the client. In extreme cases, however, the manufacturer and IdeaMerge will consider
offering assistance and/or compensation in this respect. The assistance program typically
stops short of dispatching a service person to assist in the case of a flat.
If you are a member of your national automobile club (e.g. the AAA), you have
reciprocal membership in an automobile club of each European country and therefore
those clubs will be another source of assistance to you.
what is the domain of coverage?
The Renault insurance and assistance are effective in some countries.
See our Insurance, etc. page.
can I see an example contract?
Here's an example of a Renault contract: