Information about the number of accidents you’ve had in the previous 6 years can be found in a database managed by Groupement des assureurs automobiles. It’s called the Fichier central des sinistres automobiles (FCSA). It includes all the claims you had with an automobile, a motorcycle or an off-road vehicle.
The custodian of the vehicle
Claims are attributed to the custodian of the vehicle and not necessarily to his owner. At the time of the accident, your friend was driving your car. The accident will be recorded in his or her file, not in yours. Did your son have an accident with your car? Then the accident will be recorded in his file.
You can consult some examples to better understand the claims attribution rules in our Custodian of the vehicle article.
Who can consult it?
The FCSA is public. You can obtain and check all the accidents registered in your file for free.
An insurer from whom you request a quote will also consult your claims file to establish your auto premium. The premium generally takes into account the number of accidents you’ve had or claims you’ve made.
To consult your claims file
You wish to consult your claims file? Follow the procedure on the GAA website.
You have your file and you notice an error? You can have it corrected by following the procedure on their website.
