Motorbike kit · updated 2026
Motorbike and scooter insurance in France kit
Who it is for: English speakers living in France who ride, or are about to buy, a motorbike or a scooter
- 11chapters
- 8French letters, translated
- 19checklist items
- 14tables
- 5links to the official texts
Checked before every release
Reviewed by industry professionals
- 38automated testsrun at every release: prices, links, pages and content checked before publication.
- 5links to the textsevery rule and deadline linked to the official French text.
- 23 October 2026last updaterules checked on this date; you always read the latest version.
Built from the texts and data of Service-public.fr, Légifrance, La Médiation de l’assurance, EUR-Lex.
€19VAT included · one payment · instant access
11 chapters online (licence categories, your foreign history, the novice surcharge, rider cover, compulsory gloves, theft clauses, accidents and 8 French letters translated). €19, VAT included, one payment, instant access, printable to PDF, invoice by email.
Get the kit — €19 Read chapter 1 free
As described, or refunded · updates included, at no cost · terms of sale
For €70 more: Insurance in France: the complete expat pack, 7 titles, €12.71 per title.
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What you get
- The complete kit: 11 chapters (licence categories, your foreign history, the novice surcharge, rider cover, compulsory gloves, theft clauses, accidents and 8 French letters translated)
- Included: 8 letter templates, 19 checklist items, 12 tables
Insure a motorbike or scooter in France without surprises: the right licence category, your foreign record, the novice surcharge explained, rider injury cover, compulsory gear, theft clauses, winter lay-up, accidents and 8 French letters translated.
Who it is for
- English speakers living in France who ride, or are about to buy, a motorbike or a scooter
- Riders bringing a bike to France who want their foreign history and licence taken into account
- Car drivers who want to ride a 125 cc with their category B licence
- Riders whose bike has been stolen or damaged and who need to deal with a French insurer
Contents of the complete kit
- What compulsory motorbike insurance pays, and what it leaves to you (free extract below)
- The right licence for the right bike, including foreign licences
- New riders, foreign history and the no-claims bonus
- Reading a French motorbike policy: the grid
- Gear: compulsory, recommended, covered
- Theft: the most demanding clause
- Winter lay-up, roadworthiness tests and special uses
- Accidents: react, notify, get compensated
- Six worked cases
- Eight letter templates in French, with translation
- Checklists, calendar and glossary
Included : 8 letter templates, 19 checklist items, 12 tables.
Introduction
Insuring a motorbike in France is not like insuring a car. The rider is the most exposed person on the road, and French compulsory insurance does not protect the rider who is at fault. Theft clauses are the most demanding in all of motor insurance. New riders pay a surcharge set by a precise legal clause that few people know how to read. And your gear (helmet, gloves, jacket, airbag) is worth a sum most policies only cover as an option. If you come from another country, add two more questions: will your licence and your riding history count in France?
This kit gives you the exact rules and the method, in the order you meet them: licence and vehicle category, price and surcharge, reading the policy, gear, theft, winter and roadworthiness tests, accidents, then worked cases and letters. The rules are those of the French Insurance Code (code des assurances) and Highway Code (code de la route) in force on 23 October 2026. Letters to your insurer must be in French: each template is in French, followed by its English translation.
How to read it: chapter 1 explains what compulsory cover pays and what it leaves to you; chapter 2 licences, including foreign ones; chapter 3 new riders, foreign history and the no-claims bonus; chapter 4 the policy grid; chapter 5 gear; chapter 6 theft; chapter 7 winter, roadworthiness and special uses; chapter 8 accidents; chapter 9 six worked cases; chapter 10 the letters; chapter 11 checklists and glossary.
What compulsory motorbike insurance pays, and what it leaves to you
The principle
Every motorbike, scooter and moped, including a 50 cc scooter that never leaves the garage, must be insured at least for third-party liability (responsabilité civile, Insurance Code art. L211-1). Riding uninsured is a criminal offence. If you cause an accident without insurance, the national guarantee fund (FGAO) pays the victims and then claims everything back from you.
The rule that changes everything for a rider: the law of 5 July 1985
The Badinter law (no. 85-677 of 5 July 1985) governs compensation of road accident victims. It sets two categories:
| Victim | Compensation rule | Text |
|---|---|---|
| Passenger, pedestrian, cyclist (non-driver) | Compensated for personal injury, except for an inexcusable fault that was the sole cause of the accident (even more protective rules for under-16s, over-70s and people with severe disabilities) | Law of 5 July 1985, art. 3 |
| Driver or rider | Their own fault may limit or exclude their compensation | Law of 5 July 1985, art. 4 |
In practice: your pillion passenger is compensated by your liability insurance, even if you are at fault. You, the rider, are not compensated if the accident is your doing, and only partly if a fault is held against you in an accident with someone else. Only an optional rider's personal injury cover (garantie du conducteur or garantie du pilote) pays you then.
The levels of cover in plain English
| French name | What it adds to liability | When it is worth discussing |
|---|---|---|
| Au tiers | Usually only legal defence and recourse | Low-value bike |
| Tiers étendu / vol-incendie | Theft, fire, sometimes natural events | Mid-value bike, exposed to theft |
| Tous risques / dommages tous accidents | Damage to your bike even when you are at fault or the other party is unknown | Newer, financed or leased bike |
| Garantie du pilote | Your own injuries, whatever the level | Every rider |
| Équipement | Helmet, gloves, jacket, airbag damaged in an accident | Valuable gear |
| Assistance | Breakdown, accident, towing, sometimes from home | Daily use, touring |
The three figures to read first
- The ceiling and threshold of rider cover. A permanent disability threshold of 10% or more excludes most injuries; a low ceiling does not cover a serious disability.
- The theft conditions. Required lock, overnight parking, marking: if you cannot meet them, theft cover is useless to you.
- **The excess (franchise) of each cover.**
The question to ask your insurer today
"If I fall on my own tomorrow and am injured, what does my policy pay me, from what disability rate, and up to what limit?" If the answer is "nothing", read chapter 4.
Free guides, this kit or the complete pack
The free guides explain the rules. The kit gets it done: the steps in order, the deadlines and the letters.
Free guides
€0
free on this site
- ✓The rules explained, official texts cited
- —The steps in order, with the deadlines
- —8 French letters with their translation
- —19 checklist items
- —Bookmark it or print it to PDF
- —Plus 5 more kits and the complete guide to car, home and health insurance in France
Motorbike kit
€19
VAT included, paid once
- ✓The rules explained, official texts cited
- ✓The steps in order, with the deadlines
- ✓8 French letters with their translation
- ✓19 checklist items
- ✓Bookmark it or print it to PDF
- —Plus 5 more kits and the complete guide to car, home and health insurance in France
Complete expat pack
€89
6 kits + a 13-chapter guide; the 6 kits alone cost €90
- ✓The rules explained, official texts cited
- ✓The steps in order, with the deadlines
- ✓8 French letters with their translation
- ✓19 checklist items
- ✓Bookmark it or print it to PDF
- ✓Plus 5 more kits and the complete guide to car, home and health insurance in France
As described, or refunded · updates included, at no cost
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Instant access
The complete kit opens right after payment, to bookmark or save as a PDF. Receipt and invoice by email.
VAT included, paid once
The price shown is the total. No subscription, nothing charged later.
Sources you can check
5 links to the official French texts (Légifrance, Service-public…). Not an insurer, not a broker: the kit explains the rules and sells no policy. Terms of sale.
Frequently asked questions
How do I receive the kit?
Right after payment, the confirmation page gives you the link to the complete kit, also sent by email. Bookmark the kit page or print it to PDF (Ctrl+P or Cmd+P, “Save as PDF”). Stripe also emails you the receipt.
Do I get an invoice?
Yes: Stripe generates the invoice and emails it to you.
Is the payment secure?
Yes: you pay once on our checkout page secured by Stripe, with no subscription. Your card details never go through our servers.
What is the guarantee?
The kit is guaranteed as described: if access fails or the content does not match, we restore your access or refund you (terms of sale). It is updated at no cost when the rules change. Contact: admin@tech-bharat.com.
Who publishes the kit?
Claude Assur, an independent information publisher, not an insurer, a broker or a lawyer: the kit explains the general rules and gives you the method and templates; only the official texts and your policy are authoritative.
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