CAN WE INSURE A CAR WITHOUT A GRAY CARD?
To drive on public roads, it is necessary to register your vehicle, obtain a gray card and insure it. It is therefore impossible to insure a car without a gray card. Moreover, if you drive without insurance, you are liable to a fine or even the immobilization of the vehicle. Note that the law now imposes these conditions on all motor vehicles. As soon as you acquire a new vehicle, you are thus obliged to take all the necessary steps to drive in good standing, starting with applying for a registration certificate (CI). This approach is available on Carte Grise Minute.
GRAY CARD AND INSURANCE: WHAT DOES THE LAW SAY?
Gray card and insurance: what does the law say? The law obliges all vehicle owners to have a registration certificate and to be insured for driving on public roads. Since the new Vehicle Registration System (SIV) of 2009, all motor vehicles are required to be registered and insured, even low-powered vehicles such as scooters. Moreover, we cannot insure a car without a gray card.
The gray card, or registration certificate, is in a way the identity card of the vehicle. On it, we find various information about the vehicle, such as information about the owner, the registration number, the 1st registration date, and the characteristics of the vehicle. You can now apply for a gray card directly online. Note that the gray card must also be updated in the event of a change of owner, a change of address, in the event of sale or donation, or even in the event of destruction. On the other hand, insurance has been compulsory for all motor vehicles since 1958. It allows the driver to take responsibility in the light of the law in the event of an accident. Although there are auto insurance policies that protect the driver and his vehicle on several levels, only third-party or civil liability insurance is compulsory. Finally, if your vehicle is not circulating, you must still take out so-called “non-traffic” insurance.
HOW TO INSURE A CAR?
You cannot insure a car without a gray card. This is why you must first take the steps to obtain a registration certificate. Since the introduction of the New Generation Prefectures Plan (PPNG), these procedures are now dematerialized. To do this, you must provide at least:
- An identity document;
- A registration request (CERFA form);
- Proof of address.
Depending on your approach (purchase of a new or used vehicle, inheritance, etc.), you will be required to provide other documents such as a purchase or transfer certificate or the minute’s technical control. Once you have your registration document in hand, you can take out insurance for your vehicle, knowing that it is not possible to insure a car without a registration document. You will also be asked for your driver’s license and a statement of information. If you sell or give away your vehicle, you must inform your insurer and make the necessary changes to the registration certificate. At the time of transfer, the old gray card must be crossed out, signed and dated, and then given to the new owner.