(Fichier central des sinistres automobiles)
Who is the custodian of the vehicle?
Since April 1, 2009, claims are attributed to the custodian of the vehicle.
The custodian of the vehicle is the person who
had charge of the vehicle when the accident happened. That person does not necessarily have to be registered under your policy.
At the time of the accident, your friend was driving your car. The accident will be recorded in her file, not in yours. Did your
son have an accident with your car? Then the accident will be recorded in his file.
Do you know how many accidents you've had in the previous six years? At fault or not? You might be surprised to
find out that this information can be found in a data base that tracks claims. It's called the
Fichier central des sinistres automobiles (FCSA).
Who can consult it?
You can: the FCSA is public.
You can obtain and check
all the accidents registered
in your file.
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. Your insurer can thus offer you an impartial and fair price.
Hover the shadows with your mouse to learn more.
Consulting your claims file
Find out how to proceed to consult your claims file on the Groupement des assureurs automobiles (GAA) website.