Insurance Practice. You switch to bioethanol E 85: will you always be insured?

You have decided to equip yourself so that your vehicle could run on this highly state-aided fuel. You know, the key is a refueling that costs less, but also a 20% higher consumption and an installation cost that is amortized over time.

Of course, you have verified that your car is compatible. First of all, the installation of this conversion box is required by law and must be carried out by an authorized professional. As a result of the installation, your car has changed. We explain.


In order to be sure to keep your insurance, equip yourself with an approved box installed by a professional. The change of registration certificate that you have made will be sent to your insurer. FlexFuel Photography

The new gray book

Installing a bioethanol kit changes the energy used by the vehicle. Therefore, it is necessary to update your registration certificate on the ANTS (National Securities Agency).

Category P3, which indicates the type of energy, goes from “ES” (essence) to “FE” for superethanol, “FG” for superethanol-LPG bicarburetor or “FL” for superethanol-électricité (rechargeable hybrid). You must then provide a copy of your registration certificate with your insurer.

Vehicles originally equipped to run on ethanol are not affected by the change of registration certificate.  Le type d'énergie is indicated by FE on the first gray card.  Land Rover Photos

Vehicles originally equipped to run on ethanol are not affected by the change of registration certificate. Le type d’énergie is indicated by FE on the first gray card. Land Rover Photos

Always a “petrol” car

The installation of the bare conversion kit does not fundamentally transform your car as it will be considered by the insurer as a petrol car.

But, the latter is no longer exactly the same as when the contract was signed; an addendum may be necessary and also a change in tariffs for certain insurers that encourages eco-responsible initiatives and lowers the annual premium.

If you drive without a conversion kit or with a non-compliant kit or assembled by an unqualified professional, your insurance not being aware of the transformation may void your insurance policy.  Photo of DR

If you drive without a conversion kit or with a non-compliant kit or assembled by an unqualified professional, your insurance not being aware of the transformation may void your insurance policy. Photo of DR

Often exclusions

According to the ordinance of December 18, 2020, E85 superethanol is intended exclusively for petrol cars compatible with SP95-E10, equipment equipped with a state-approved E85 housing and for original flex-fuel cars.

Wild reprogramming or the use of E 85 partly mixed with SP 95 or SP 98 is not permitted. Driving without a license implies risks such as a refusal to pass the technical control or a risk of cancellation of your insurance contract.

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