Car
Insurance.
Designed for
Peace of mind.

Essential coverage, nothing superfluous.
Just the right protection. No more, no less.

Car insurance without the hassle. Designed to keep you protected behind the wheel - simply and clearly.

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Easy to understand

No more complex policies or confusing jargon. At Otherwise, everything is straightforward and transparent.

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No unnecessary costs

You only pay for what you truly need. Nothing extra.

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100% online

From getting your quote to managing your policy - everything happens online, wherever you are.

What’s covered.

Choose comprehensive car insurance, built to protect what matters and let you drive with peace of mind, no matter the situation.

Third-party liability (Responsabilité Civile). Covers damage, physical or material, you may cause to others (drivers, cyclists, pedestrians, etc.). If you’re at fault in an accident, Otherwise covers the repair costs of the other vehicle and any injuries to the other party.
0km Breakdown assistance. Included in your contract and in partnership with Mondial Assistance: enjoy immediate support in case of a breakdown or accident even right outside your home. And if you're unable to drive, a taxi will be arranged to take you home safely.
Legal defence & claims. If you face legal action following an accident, we cover legal fees up to €3,000.In short: if someone takes you to court, Otherwise has your back.
Theft & fire. Otherwise covers your vehicle in case of theft, attempted theft, fire or accidental damage.You’re in control on the road, we take care of the rest.
Glass breakage. We cover repairs or replacement of your vehicle’s glass in case of breakage, impact, or collision.
Accidents. Whether or not you're at fault, your vehicle is covered. Even if the responsible party can’t be identified, you’re still protected.
Driver Protection (optional). Choose your compensation limit, from €150,000 to €1,000,000, in case of disability or loss of income following an accident involving your vehicle. Whether you are at fault or a victim, this coverage ensures you receive compensation for any permanent physical or psychological impairment.
Personal Belongings & Equipment (optional). With this option, items inside your car are covered including your smartphone, GPS, luggage, or clothing if they are damaged or stolen during an accident, theft, or any other covered event.
Civil liability – Trailer over 750 kg (optional). If your trailer weighs more than 750 kg, it's covered in case of damage involving a third party but only with this option enabled.
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Our rates & plans.

Tailored coverage that fits your profile. No unnecessary extras, just insurance adapted to your driving.

Get a quote

Choose car insurance, done differently. Simple. 100% online.

1

Get your quote in just a few clicks

2

Subscribe in under 5 minutes

3

Manage everything from your client portal, anytime

Everything you need to know about our car insurance.For a lighter, safer driving experience.

How do I get a car insurance quote?
Easy: just click on “Get a quote”. In a few clicks, your Otherwise car insurance quote is ready, free of charge.

Try a simulation, you might just want to switch insurers.
Which vehicles are covered by Otherwise?
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At Otherwise, vehicles are assessed based on two criteria:

‍• Price class (from A to V)
‍• Power rating (from 20 to 50)

We insure vehicles up to class R and a power rating of 36.

In short, we cover most standard and high-end models, including the Jaguar F-Pace, Audi Q5, Volkswagen Tiguan, and BMW Series 4.

How do I switch to Otherwise?
Good news: we handle the cancellation of your current contract — for free.Say goodbye to admin headaches. Send us a few details (like your current policy number), and we’ll take care of the rest.

📌 Note: If your contract is more than one year old, switching is quick and easy.
If it's less than a year, check with your current insurer for their cancellation terms.

Switching to better coverage, without the hassle. That’s insurance, the Otherwise way.
Can I insure a leased vehicle?
Absolutely. Otherwise insures leased vehicles.When applying, simply select “Leased vehicle”.

Once your contract is signed, you’ll have 15 days to activate it by uploading the following documents via your client portal:

‍• Registration certificate (issued by the leasing company, with your name as co-owner)
Insurance record (covering the last 24 months)
Driver’s license (front and back)

Our team will review your documents and activate your contract promptly.
Can I add a second driver?
Yes, you can add a second driver during your subscription, provided it’s your partner, parent, or child.
Just select “Yes” when asked about a second driver and fill in their details.

📝 Please note: to activate the contract, both drivers must provide the same supporting documents (license, insurance record, etc.).
Which documents do I need to insure my vehicle?
To finalize your subscription, we’ll need:

Your driver’s license (front and back) – must be valid for at least 3 years (French or EU license accepted)
Your insurance record - showing your driving history over the last 5 years
Vehicle registration document (or temporary certificate if recently purchased)

Everything can be uploaded easily via your client space. Once validated, your policy goes live.

Ready to insure what drives you every day? Choose car insurance that puts clarity and protection first, for you and your vehicle.

Get a quote