ZFEs require Crit'Air 0-1 vehicles; suitable ZFE VTC insurance covers assistance, loss of earnings and eco-driving bonuses for safe driving.
The widespread adoption of Low Emission Zones (ZFE-m) already requires VTC drivers to check their vehicle's Crit'Air sticker and anticipate the gradual ban on categories 3, 4, and 5 – starting in January 2025 for Paris and Lyon. In concrete terms, driving in a ZFE with a non-compliant vehicle exposes you to a fine of €68 and, ultimately, the immobilization of the vehicle. To continue working stress-free, you must first adapt your fleet (electric, hybrid, Crit'Air 1) and, secondly, have specific VTC ZFE insurance covering new risks: fines, immobilization, loss of business, 0 km assistance. This guide details the legal framework, the impact on operators, and the key guarantees to include in your contract to "drive with peace of mind" in ZFE.
Understanding ZFE: legal framework and timetable
What is a ZFE-m?
ZFE-m were established by the 2021 Climate and Resilience Law; they impose traffic restrictions based on the Crit'Air sticker in urban areas with > 150,000 inhabitants.
The Crit'Air sticker is mandatory for entering a ZFE; the fixed fine in the event of absence or non-compliance is €68.
Calendar 2024-2025
- January 1, 2025 : Crit'Air 3 ban in Paris and Lyon, the only major cities still on the schedule after the government's easing of restrictions in March 2024.
- Marseille, Rouen and Strasbourg have been granted a reprieve thanks to improved air quality, but remain free to tighten restrictions at a later date.
Sanctions for non-compliance
In addition to the fine, the police can immobilize the vehicle if it represents a danger or is not authorized to circulate. .
Impact for VTC operators
Compliance of the park
Operators must migrate to Crit'Air 0 or 1 vehicles (electric, plug-in hybrid, Euro 5/6 gasoline). There are incentives available: ecological bonus and conversion bonus, with a VTC/taxi surcharge of up to €1,000 for the purchase of an electric vehicle in a ZFE.
Dedicated aid of 40% of the price (ceiling €22,000) is in effect for taxis and VTCs accessible at the 2024 Olympic Games; applications to be submitted before December 31, 2024.
Increase or decrease in insurance premium
Insurers are already applying reductions of 5 to 15% on the comprehensive premium for an electric or hybrid VTC, due to lower claims and tax advantages (TVS) .
Conversely, driving outside the ZFE with a non-compliant vehicle increases the excess or may result in a refusal of warranty (breakdown linked to administrative immobilization).
Why take out “special ZFE” VTC insurance?
Essential guarantees
| Guarantee | Benefit for the VTC driver | Reference |
|---|---|---|
| 0 km assistance – ZFE towing | Immediate support in the event of a check or breakdown in the restricted area | Public Service |
| Operating loss | Compensates for lost turnover during forced immobilization | GeolocPro |
| Crit'Air legal protection | Defense in the event of a contested fine or withdrawal of authorization | Lemonde.fr |
| ADAS glass breakage | Camera calibration coverage after windshield replacement on EV | Green Opinion |
Eco-bonus options
Some companies include an eco-driving bonus (telematics box) granting up to 15% reduction on the annual premium for low-emission vehicles.
Practical advice for driving with peace of mind in ZFE
Check compliance before each journey
- Display the Crit'Air sticker on the windshield.
- Use the official app to find out today's restrictions.
Update your insurance contract
Inform your insurer of any change in vehicle or activity (areas served) in order to maintain the validity of the guarantees.
Anticipating the fleet transition
- Take advantage of the 2024 financial aid (bonus, conversion bonus, 2024 Olympic Games aid) to renew the vehicle.
- Consider long-term leasing (LLD) of Crit'Air 0 models to smooth out the expense and reduce the premium.
Conclusion
ZFEs will become the norm in major cities; for VTC drivers, adapting today means avoiding fines and continuing to work without interruption . VTC insurance calibrated to ZFE – with 24/7 assistance, business interruption and eco-driving bonus – allows you to drive with peace of mind, protect your turnover and promote your ecological approach. KT VTC&TAXI offers you tailor-made quotes integrating these guarantees and decreasing rates for “green” fleets.