Mémo Vehicle Insured: Everything You Need to Know About This New Document

In summary

Section	Description
📜 Introduction	Introduction to the Insured Vehicle Memo, a major change in the management of car insurance in France, offering ecological and practical benefits.
🚗 What is the Insured Vehicle Memo?	Detailed explanation of what the Insured Vehicle Memo is, its role in modernization, and its replacement of old paper proof documents.
🌐 A digital and modern solution	Presentation of the benefits of a digital or paper format, easily downloadable from the customer area, reducing the ecological impact of mass printing green cards.
⏳ A temporary proof of insurance	Highlighting the use of the Memo as a temporary proof of insurance during the 15 days required to register the contract in the Insured Vehicles File (FVA).
📋 Simplified control thanks to the FVA	Analysis of the advantages offered by the FVA, allowing quick and reliable verification of vehicle insurance information via their license plate.
🌍 An eco-friendly and secure advancement	Overview of positive impacts on the environment through the abolition of paper documents, while strengthening security and combating document fraud.
🔍 Why was the Insured Vehicle Memo introduced?	The reasons why this Memo was established, with specific objectives: fraud reduction, simplification of procedures, and ecological contribution.
🛡️ Fraud reduction	Details on how the Memo limits falsification, relying on reliable and verifiable data via the FVA.
⚙️ Simplification of procedures	Explanation of process simplification for insured individuals and law enforcement, through direct access to data via the license plate.
♻️ Ecological impact	Illustration of resource savings and CO₂ emission reductions thanks to the dematerialization of insurance proof documents.
📑 Content of the Insured Vehicle Memo	Complete description of the information contained in the Memo, including insurer contact details, vehicle data, and emergency contacts.
📥 How to obtain the Insured Vehicle Memo?	Practical guide to easily obtain the Memo via digital means or by directly contacting your insurer.
💾 Download and print	Detailed instructions for downloading the Memo via the customer area or mobile app, and steps to print and use it effectively.
📞 Request a copy from your insurer	Explanation on how to request a copy from the insurer, whether at an agency, by phone, or email.
🔧 Why keep this document?	Reasons why it is crucial to keep the Memo, particularly for controls, claims, and administrative procedures.
🕒 During the first 15 days	Focus on the importance of the Memo during the 15 days following subscription, while waiting for the contract to be registered in the FVA.
📞 In case of an accident	Key role of the Memo in case of an accident, with all necessary information to fill out a report or contact assistance quickly.
📜 For administrative procedures	Usefulness of the Memo for official formalities, such as applying for a registration card or changing the owner.
🗂️ Table of advantages of the Insured Vehicle Memo	Table presenting the main advantages related to the Memo, such as ecological benefits, security, and easy access.
📊 Comparison with the old green card	In-depth comparison between the Insured Vehicle Memo and the old green card, including differences in format, authenticity, and ecological impact.
🔄 What to do in case of loss?	Detailed steps to recover the Memo in case of loss, including downloading it from the customer area or requesting it from the insurer.

Since April 1, 2024, a major change has transformed car insurance management in France. Gone is the green card and the insurance vignette, replaced by the Insured Vehicle Memo, a digital or paper document that facilitates procedures and modernizes insurance controls. This memo provides a temporary proof of insurance, while fitting into an ecological and practical approach. In this article, discover everything you need to know about the Insured Vehicle Memo : its content, its utility, and how to obtain it.

What is the Insured Vehicle Memo?

The Insured Vehicle Memo is an official document implemented in France since April 1, 2024, marking an important step in the modernization of car insurance management. This memo replaces the old paper proof documents, such as the green card and the insurance vignette, which were previously mandatory for legal circulation.

A digital and modern solution

Unlike the green card, which was issued annually and required systematic printing, the Insured Vehicle Memo is designed to be dematerialized. It can be downloaded in a digital format from your insurer’s customer area or printed if necessary. This approach aligns with a green objective, thereby reducing the carbon footprint associated with printing millions of documents each year.

A temporary proof of insurance

The Insured Vehicle Memo is especially useful during the first 15 days following subscription of a car or motorcycle insurance contract. Indeed, while your contract is being registered in the Fichier des Véhicules Assurés (FVA), this document acts as a temporary proof in the event of roadside checks. It ensures that your vehicle is legally insured, even if the data is not yet available in the database.

A simplified control thanks to the FVA

The Fichier des Véhicules Assurés is a national database accessible by law enforcement agencies. Each registered vehicle contains information such as the name of the insurer, contract number, and validity date. This system allows police and gendarmes to quickly verify a vehicle’s insurance status by simply scanning its license plate, eliminating the need to display a vignette on the windshield.

An ecological and secure advancement

By eliminating paper supports, the Insured Vehicle Memo contributes to a significant reduction in document fraud and resource usage. This transition promotes a more reliable management of information and enables better traceability of automobile insurances.

Why was the Insured Vehicle Memo established?

The introduction of the Insured Vehicle Memo responds to specific needs and is part of a modern and efficient approach. This change aims to solve several issues encountered with the old paper proof documents, while bringing significant advantages.

Fraud reduction

One of the main goals of this reform is to combat fraud related to insurance documents. Green cards and paper vignettes were easily falsifiable, complicating enforcement efforts. By replacing these physical supports with digital verification via the Fichier des Véhicules Assurés (FVA), the government ensures enhanced authenticity of information and limits misuse.

Simplification of procedures

With the Insured Vehicle Memo, administrative procedures and road controls become more straightforward and quicker. Law enforcement no longer needs to request a green card or verify a vignette : they directly access a vehicle’s insurance status by consulting the FVA via the license plate. This system reduces errors and improves flow efficiency for drivers and authorities.

Ecological impact

The implementation of the Insured Vehicle Memo also aligns with an ecological approach. The annual production of green cards and vignettes required the use of millions of sheets of paper and printing resources. By removing these documents, the reform saves over 50 million green cards annually and prevents the emission of more than 1,200 tons of CO₂. This transition thus contributes to a notable reduction in the carbon footprint of the insurance sector.

Content of the Insured Vehicle Memo

The Insured Vehicle Memo is a structured and comprehensive document designed to gather all essential information related to your automobile insurance. Below is a detailed overview of what you will find:

Section	Description
Insurer	Name and contact details of the insurance company, allowing you to easily contact your insurer.
Policyholder	Name, first name, and address of the insured, to confirm the identity of the policyholder.
Vehicle	Registration number, make, and model of the vehicle, for precise identification.
Insurance contract	Contract number, effective date, and validity period, ensuring your vehicle is properly covered.
Countries covered	List of countries where your contract is valid, ensuring international protection.
Assistance	Useful numbers for breakdown assistance, claim reporting, or glass repair, for quick help in emergencies.

How to obtain the Insured Vehicle Memo?

The Insured Vehicle Memo is designed to be easily accessible to all insured individuals. You can obtain it quickly through digital tools or by directly contacting your insurer. Here’s how to proceed :

1. Download and print

The simplest way to get your Insured Vehicle Memo is to log into your customer area or the mobile application of your insurer. Once logged in:

• Access the “My documents” or “My certificates” section.
• Look for the “Insured Vehicle Memo” option.
• Download the document in digital format (PDF).
• Print it if you prefer to have a paper version to keep in your vehicle.

This option is ideal for those who want a copy available at all times on their smartphone or in physical form.

2. Request a copy from your insurer

If you prefer a more direct approach, you can:

• Contact your insurer by phone, email, or at an agency.
• Make a request to receive a copy of the Insured Vehicle Memo in paper or digital format.

Some insurers also offer automatic delivery of the memo upon contract subscription, via email or mail.

Tips for optimal use

• Keep a digital version: Store the PDF on your smartphone to have it readily available.
• Print a copy: Keep it in your vehicle, especially during the first 15 days following subscription.
• Verify the information: Ensure that the details on the memo (registration, name, contract) are correct.

Why keep this document?

The Insured Vehicle Memo is more than just a proof of insurance : it is an essential tool for effectively managing situations related to your car insurance. Here’s why it is vital to keep it :

1. During the first 15 days

The Insured Vehicle Memo is particularly crucial during the 15 days following subscription of your insurance contract. During this period, the information in your contract is not yet registered in the Fichier des Véhicules Assurés (FVA). This document allows you to temporarily prove that your vehicle is insured, especially during roadside checks. Without it, you could face sanctions even if your contract is valid.

2. In case of a claim

In case of an accident or problem, the Insured Vehicle Memo becomes an indispensable tool. It contains all the necessary information to:

• Fill out an amicable report : Data on your vehicle and contract are immediately accessible.
• Contact assistance : Useful numbers for breakdown help or claim reporting are directly listed on the document, enabling quick and effective intervention.

3. For administrative procedures

Certain formalities, such as applying for a registration certificate, require proof of insurance. The Insured Vehicle Memo can be used in these situations, especially when purchasing a vehicle or changing the owner on a registration document. It guarantees that you meet the legal insurance obligation to obtain the necessary documents.

Recommendations for keeping it

1. Digital version: Save a copy on your smartphone or cloud storage to access it quickly whenever needed.
2. Paper version: Print the document and keep it in your vehicle in an easily accessible place, such as the glove compartment.
3. Verify the information: Ensure that all data entered (name, registration, contract number) is accurate to avoid errors.

Table of advantages of the Insured Vehicle Memo

Advantage	Description
🌍 Eco-friendly	Reduction of paper document printing.
🛡️ Secure	Limiting the risks of falsification thanks to the FVA.
📲 Practical	Accessible online and always downloadable.

Comparison between the Insured Vehicle Memo and the old green card

Criteria	Insured Vehicle Memo	Green card
Format	Digital or paper	Paper only
Accessibility	Downloadable 24/7 via customer area	Received annually by mail
International validity	No (international card needed)	Yes, directly usable
Ecological impact	Reduction of paper printing	Requires annual printing
Authenticity	Verifiable via the FVA	Easily falsifiable

What to do in case of loss?

If you lose your Insured Vehicle Memo, it is important to act quickly to ensure you always have an insurance proof available. Here are the steps to recover it :

1. Download a new copy

The simplest method is to log into your customer area or the mobile application of your insurer. Once logged in:

• Access the “My documents” or “Insurance certificates” section.
• Locate the Insured Vehicle Memo and download it in PDF format.
• Print it if necessary to have a physical copy in your vehicle.

This download is generally accessible 24/7, providing a quick solution in case of loss.

2. Contact your insurer

If you cannot access your customer area or prefer direct assistance, you can:

• Call your insurer or visit an agency.
• Make an explicit request to receive a duplicate of the Insured Vehicle Memo.
• Specify whether you want a paper or digital version based on your needs.

Most insurance companies can provide the document immediately or within a very short timeframe.

3. Keep a copy

To avoid losing the document again, it is recommended to:

• Save a digital version on your smartphone or computer, for quick access when needed.
• Print a copy and store it in your vehicle, in a place easily accessible like the glove compartment.

Additional recommendations

• Verify the information: Once you obtain the duplicate, ensure that all data (registration, name, contract number, etc.) are correct.
• Be proactive: Regularly check your customer area to download updated copies of your insurance documents.

In summary

The Insured Vehicle Memo is a modern, ecological, and practical document designed to simplify the management of insurance in France. Remember to download or print it upon subscribing to your contract to drive with peace of mind and stay compliant with regulations.

For further information