By Tous risques in 60 seconds
What it covers
- Third-party (RC) : damage to others, mandatory minimum.
- Damages tous accidents : your car, even when YOU are at fault.
- Theft, fire, vandalism, glass, natural disasters, often with assistance 0 km.
Who needs it
- Cars under 5 years old or worth more than €10,000.
- Vehicles on leasing or LOA : the contract often requires it.
- Frequent urban drivers, recent licences, anyone in a high-theft area.
What is comprehensive (tous risques) cover ?
Tous risques is the highest tier of French car insurance. Unlike third-party (RC obligatoire) which only protects others, comprehensive cover protects your own vehicle and your own bodily injuries : across the entire spectrum of road accidents and incidents.
The term comes from the French insurance industry's tiered model :
- Tier 1 : Au tiers : RC only, the legal minimum.
- Tier 2 : Tiers étendu : RC + theft, fire, glass and selected guarantees.
- Tier 3 : Tous risques (multirisque) : everything above + your own vehicle damage even at fault.
The Insurance API reports formula level=3 for comprehensive contracts. Some insurers also offer tous risques étendu (level 4) with additional driver-injury cover and luxury-vehicle options.
Coverages typically included in tous risques
Live data showing the most universally-included coverages in comprehensive formulas across our 6 insurers.
Défense et recours
100% of offers
Garantie du conducteur
100% of offers
Bris de glace
100% of offers
Vol et vandalisme auto
100% of offers
Dommages tous accidents
100% of offers
Responsabilité civile dommages corporels auto
83% of offers
Responsabilité civile dommages matériels auto
83% of offers
Attentats et terrorisme
83% of offers
Incendie
67% of offers
Assistance > 25 km
50% of offers
Incendie et explosion
33% of offers
Assistance 0 km
17% of offers
Source : Selectra Insurance API · Updated 19 May 2026.
When should you pick comprehensive ?
Tous risques is right for :
- Cars under 5 years old : value still high enough that repairing or replacing your own car after a claim matters financially.
- Cars worth more than €10,000–€15,000 : same reasoning regardless of age.
- Leasing / LOA / LLD contracts : the leasing contract almost always requires tous risques. Don't downgrade or you breach the contract.
- Financed vehicles with an active loan : banks usually require tous risques as a condition of the auto loan.
- Frequent urban drivers : Paris, Lyon, Marseille have higher theft and accident rates ; tous risques covers vandalism and fire (parking-lot arson is a real risk).
- Recent licences : statistically more accident-prone, even if attentive ; the cost of an at-fault accident is higher than the premium delta.
- Drivers in a high-claim area : flood-prone, hail-prone or high-burglary postcodes.
Tous risques vs third-party : the real difference
| Coverage | Third-party (au tiers) | Tiers étendu | Tous risques |
|---|---|---|---|
| Civil liability (RC) | ✅ | ✅ | ✅ |
| Defence and recourse | ✅ | ✅ | ✅ |
| Theft and attempted theft | ❌ | ✅ | ✅ |
| Fire and explosion | ❌ | ✅ | ✅ |
| Glass breakage | ❌ | ✅ | ✅ |
| Natural disasters | ❌ | ✅ | ✅ |
| Damages tous accidents (own car, at fault) | ❌ | ❌ | ✅ |
| Vandalism (own car) | ❌ | ⚠️ varies | ✅ |
| Driver injury (garantie du conducteur) | ❌ | ⚠️ option | ✅ usually |
| Courtesy car (véhicule de prêt) | ❌ | ⚠️ option | ✅ usually |
| 0 km assistance | ❌ | ⚠️ option | ✅ often |
Live tous risques quotes for your profile
Switch the profile selector below to refresh the top 3 cheapest comprehensive (tous risques) offers for that driver type, with full coverage detail and monthly price. Pulled live from the Insurance API.
Conducteur bonussé
Tous risques
29.00 € /month
| Coverages | Tous risques |
|---|---|
| Mandatory coverages Third-party liability bodily injury, Responsabilité civile dommages matériels auto, Legal defence & recourse, Driver protection | |
| Bris de glace | |
| All-accident damage | |
| 0 km roadside assistance | |
| Véhicule de remplacement | |
| Garantie conducteur renforcée | |
| Vol et vandalisme auto | |
| Assistance > 25 km | |
| Attentats et terrorisme | |
| Incendie |
Average customer ratings
Conducteur bonussé
Tous risques
29.22 € /month
| Coverages | Tous risques |
|---|---|
| Mandatory coverages Third-party liability bodily injury, Responsabilité civile dommages matériels auto, Legal defence & recourse, Driver protection | |
| Véhicule de remplacement | |
| Bris de glace | |
| Vol et vandalisme auto | |
| All-accident damage | |
| Garantie conducteur renforcée | |
| 0 km roadside assistance | |
| Assistance automobile | |
| Protection juridique automobile | |
| Assistance > 25 km | |
| Attentats et terrorisme | |
| Incendie | |
| Valeur à neuf | |
| Rachat de franchise |
Average customer ratings
Conducteur bonussé
Tous Risques
30.09 € /month
| Coverages | Tous Risques |
|---|---|
| Mandatory coverages Third-party liability bodily injury, Responsabilité civile dommages matériels auto, Legal defence & recourse, Driver protection | |
| Bris de glace | |
| All-accident damage | |
| 0 km roadside assistance | |
| Contenu du véhicule | |
| Responsabilité civile remorque | |
| Vol et vandalisme auto | |
| Incendie | |
| Attentats et terrorisme | |
| Assistance > 25 km | |
| Garantie conducteur renforcée |
Average customer ratings
Live ranking : 6 insurers offering tous risques
Sorted by Selectra score then by partner status. Each insurer below offers at least one comprehensive (level=3) formula.
| Insurer | Type | Score | Quote |
|---|---|---|---|
 |
Neo-broker |  |
Free quote → |
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Neo-broker |  |
Free quote → |
 |
Neo-broker | |
Free quote → |
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Online |  |
Free quote → |
 |
Neo-broker |  |
Free quote → |
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Traditional | |
Compare → |
Live data from Selectra Insurance API · Updated 19 May 2026.
Cost of tous risques
Comprehensive cover is typically 50-100% more expensive than third-party for the same vehicle and driver. The premium reflects the insurer's higher exposure : your own car is now on their books too.
Beyond that rule of thumb, exact pricing depends on too many variables (CRM, vehicle value, postal code, parking, declared use) for a public table to be meaningful. The reliable paths :
- Live ranking : our comparator queries the Insurance API and returns the actual cheapest tous risques offers for a chosen driver profile.
- Personalised quote : a Selectra advisor runs your CRM, vehicle and postcode across our partner insurers and gives you the real figures.
Frequently asked questions
Tous risques vs third-party : what's the real difference ?
Third-party covers damage YOU cause to others. Tous risques adds cover for your OWN vehicle and your own injuries, including in at-fault accidents. Theft, fire, vandalism and glass breakage of your car are also included.
When does tous risques make economic sense ?
For cars under 5 years old or worth more than €10,000–€15,000. Also if you're on a leasing/LOA contract (mandatory) or financed your car with a loan (usually mandatory). Use the 10% breakeven rule : if tous risques costs more than 10% of your car's value per year, third-party is more economical.
Should young drivers pick tous risques ?
Yes for newer cars, but be aware of the young-driver surcharge (50–100% on top of the base premium for the first 2-3 years). Some insurers (Allianz, MMA, Direct Assurance) offer dedicated young-driver tous risques packages with telematics tracking that can lower the price.
How much will I pay ?
€600-€800 with maximum bonus, €900-€1,200 as a new arrival in France, €1,400-€1,800 as a young driver under 25. Check our live comparator for personalised quotes.
Is tous risques mandatory for leasing ?
Almost always. Leasing contracts (LOA, LLD) require comprehensive cover with a low franchise as a condition of the lease. Verify your contract before subscribing : some leasing companies have specific clauses.
Continue reading
- Third-party (RC) cover : the legal minimum
- Compare car insurance : full live ranking across all tiers
- Change car insurance : Loi Hamon
- File a claim : constat amiable
- No-claims bonus from abroad
- Back to the car insurance hub