Since the 1st January 2019, the File of Insured Vehicles allows the police to check during a monitoring operation whether a vehicle is properly insured.
This file was introduced due to a significant number of fatal accidents involving an uninsured vehicle.
With more than 700,000 people driving without insurance (estimate from the National Inter-ministerial Road Safety Observatory), the aim is therefore to combat insurance fraud and stem road deaths.
This decree brings into force article R 451 of the Insurance Code, which stipulates that it is the responsibility of “insurance companies and intermediaries having received a management delegation for this purpose”,
i.e. companies whose business is to distribute and/or make recommendations on insurance contracts;
and not to companies whose “activity is exclusively in the management, evaluation and settlement of claims”. (cf. art L 511-1 of Insurance Code). This new obligation to communicate to AGIRA the above-mentioned data therefore falls to the insurance brokers.