Vehicle not registered in the FVA, what consequences?
In France, car insurance is compulsory: you are obliged to cover at least your Civil Liability. If your vehicle is not registered in the FVA, it means that you are not insured. You are then in a situation of default of insurance. Driving an uninsured vehicle is an offense punishable by a fine of € 3,750. The sanction does not stop there! Depending on the situation, you also risk:
License suspension, up to 3 years;
Cancellation of the permit,
Community service,
The ban on driving motor vehicles (5 years maximum),
The obligation to follow an awareness training course at their own expense;
The immobilization or confiscation of the vehicle.
You also expose yourself to significant financial consequences. In fact, if you are not insured, you will not be covered for material, bodily or immaterial damage that you suffer as a result of an accident. On the other hand, the third victims of the car accident that you cause are supported by the FGAO.
How do I know if my vehicle is registered in the FVA?
It is up to your insurer to transmit the information concerning your vehicle and your insurance to AGIRA. This must be done within 72 hours of taking out or terminating coverage. So you don't have to do anything. But in the event of an inspection, if your vehicle does not appear in the FVA, you risk big!
So to make sure you're driving legally, you can check that your license plate number matches the one on your green card. It is this document that is used for registration in the file of insured vehicles. If not, contact your advisor to re-issue a new green card with the correct information.
The green card is the certificate of auto insurance. It is a presumption of insurance that must be presented at each police or gendarmerie check. Failure to present this document may cost you 35 €.
Faq
What is the Insured Vehicles File used for?
The file of insured vehicles, or FVA, lists all the vehicles that must be insured to travel. All insurers in France must supply it, but AGIRA manages it. The FVA has been used since January 1, 2019 by law enforcement agencies to combat driving without insurance.
Who is affected by the FVA?
The FVA concerns all vehicles for which insurance is compulsory. It concerns vehicles for individuals and professionals, whether for individual insurance contracts or in car fleets. Thus, two-wheelers, quads, cars, scooters, trailers over 750 kg, trucks (etc.) are included in the FVA.
Driving without insurance, what are the risks?
In France, driving without insurance is a crime. This is an insurance default, punishable by a fine of up to € 3,750. The penalty may be more serious in the event of a repeat offense, for example: suspension or cancellation of the license, immobilization of the vehicle, etc.
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