In concrete terms, the insurer makes use of mandatory minimum conditions for the civil liability component. However, some aspects of the cover differ from one insurer to another. It is certainly the case with regard to the claims history and the Bonus-Malus scale.
Please note! The standard contract contains provisions that offer wider cover than the mandatory minimum provided for by law (cover for the use of a replacement vehicle, for damage caused when towing another vehicle, when transferring ownership of the vehicle, etc.). But every insurer can also offer you additional cover.