Updated October 2026. Assurance auto is mandatory in France for every registered vehicle, even a parked one. The legal minimum is third-party liability (au tiers); tiers étendu and tous risques add cover for your own car. Your premium is scaled by the bonus-malus coefficient (CRM), which starts at 1.00 and falls 5% per claim-free year. A foreign no-claims bonus has no legal standing: some insurers accept it, case by case. Insurer-published entry prices start at €10.01 a month, and loi Hamon lets you switch any time after year one.
Key takeaways
- Au tiers (responsabilité civile) is the legal minimum, even for a parked car; driving uninsured risks a fine of up to €3,750.
- The CRM falls 5% per claim-free year (floor 0.50 after 13 years) and rises 25% per at-fault claim (ceiling 3.50).
- A foreign no-claims bonus is not recognised by law: Britline honours UK history with 3 years of proof; AXA, Direct Assurance, MAIF, and GMF decide case by case.
- Loi Hamon lets you cancel any time after 12 months; a premium rise alone gives no right to leave earlier.
- Refused twice? The BCT forces an insurer to sell you legal-minimum cover. Disputes go to La Médiation de l'Assurance, free.
Top 5 Car Insurance Providers in France
The French car-insurance market splits into member-owned mutuelles, large insurers, and online brands. MAIF is the claims-handling benchmark, and Macif, Matmut, MAAF, and GMF complete the mutual side (MAAF, MMA, and GMF belong to Covéa). AXA, Allianz, and Groupama sell through agents and publish no prices. The online brands are Direct Assurance (owned by AXA), L'olivier (the French brand of Admiral), Luko by Allianz Direct (from €18.24 a month), and Eurofil (part of Abeille Assurances). No official comparator exists in France: LeLynx and Assurland are commercial lead generators that show only their partner panels, so check a few insurers directly too.
MAIF Assurance Auto
MAIF is a member-owned mutuelle long regarded as the reference for fair claims handling, with au tiers to tous risques formules and no franchise on many tiers. MAIF's indicative grid, relayed in 2026, runs from about €21.83 a month (Initiale) to €39.10 a month (Plénitude) for a standard bonused driver.
Why we recommend it: The claims-handling benchmark among French mutuelles, with no franchise on many tiers and an indicative 2026 grid of €21.83 to €39.10 a month for a bonused driver.
Pros
- +Reference for fair claims handling among mutuelles
- +No franchise on many tiers (check yours)
- +Considers foreign no-claims attestations case by case
Cons
- −Claim-free renewal rises of 6.5% to 21% reported in 2025-2026
- −French-only contracts and service
- Au tiers, tiers étendu, and tous risques
- Driver injury cover in the €1 million class
- Supervised by the ACPR
AXA Assurance Auto
AXA is one of France's largest insurers and sells car cover through tied agents and axa.fr. AXA publishes no price grid, so every premium is a quote. AXA accepts foreign no-claims attestations case by case and runs expat-facing desks through AXA International, which makes it a first stop for drivers arriving with a long record abroad.
Why we recommend it: A large insurer that accepts foreign no-claims attestations case by case and runs expat desks, with strong assistance and driver-guarantee options.
Pros
- +Accepts foreign no-claims attestations case by case
- +Expat desks and some English material (AXA International)
- +Strong assistance and driver-guarantee options
Cons
- −Quote-only: no published price grid
- −Priced above direct brands; service varies by agent
- Au tiers to tous risques cover
- Protection juridique and assistance options
- Supervised by the ACPR
Direct Assurance
Direct Assurance is AXA's online brand, operated by Avanssur SA (100% AXA) with contracts carried by AXA France IARD. A 2026 comparator quote put its Tiers cover at about €13.79 a month for a bonused standard profile, and its YouDrive telematics option can cut the renewal premium by up to 50% for top driving scores.
Why we recommend it: AXA's online brand rewards a good bonus best: about €13.79 a month for Tiers on a bonused profile, YouDrive discounts of up to 50%, and case-by-case acceptance of translated foreign no-claims records.
Pros
- +About €13.79/month Tiers for a bonused profile (comparator, 2026)
- +YouDrive telematics: up to 50% off the renewal
- +Relatively flexible on translated foreign no-claims records
Cons
- −Driver injury guarantee capped at €400,000, below the €1 million norm
- −Complex claims run slow; YouDrive scoring disputes (1.8/5 on 73 reviews)
- Au tiers, tiers étendu, and tous risques
- Online and phone only, no agencies
- Supervised by the ACPR
Macif Assurance Auto
Macif is a large mutuelle with a mutualist claims culture and no major 2025-2026 complaint cluster in our October 2026 research. Macif publishes no price grid, so you need a quote, and its documents and service are in French. Its formules run from au tiers to tous risques, with branch support and bundling across car, home, and health.
Why we recommend it: A large mutuelle with a steady claims record and no major 2025-2026 complaint cluster, suited to drivers who want branch support and car-home bundling.
Pros
- +No major 2025-2026 complaint cluster found
- +Branch network plus car, home, and health bundling
- +Mutualist claims culture
Cons
- −Quote-only: no published prices
- −French-only documents and service
- Au tiers, tiers étendu, and tous risques
- Bonus-malus applied per French regulation
- Supervised by the ACPR
L'olivier Assurance Auto
L'olivier Assurance is the French brand of the UK's Admiral Group, with contracts carried by Admiral Europe CompañÃa de Seguros in Spain. L'olivier can undercut incumbents sharply in year one: one forum driver was quoted about half a GMF renewal. A non-refundable €36 dossier fee applies, and renewal creep is the documented catch.
Why we recommend it: Aggressive first-year pricing from Admiral's French brand, quoted at about half an incumbent's renewal in one forum case, worth a quote if you re-shop every year.
Pros
- +First-year quotes far below incumbents in forum reports
- +Takes young and malus profiles
- +€50 cashback when combined with home cover (2026 offer)
Cons
- −Non-refundable €36 dossier fee
- −Renewal creep and slow claims reported (9-month hail claim, 2025)
- Au tiers, tiers étendu, and tous risques
- Trustpilot 4.0/5 on more than 13,700 reviews
- Spanish carrier selling in France under an EU passport
Providers compared as of October 2026. MAIF figures come from its indicative grid and Direct Assurance from a comparator quote; Macif and AXA publish no prices. Your own premium depends on your car, profile, and CRM. Confirm current cover and pricing on each insurer's site.
What Types of Car Insurance Exist in France?
France's car insurance comes in three broad tiers, from the mandatory legal minimum up to the most complete cover. Every tier carries a franchise and can take optional garanties such as assistance 0 km and protection juridique.
Au Tiers (Third-Party Liability)
Au tiers (responsabilité civile) is the mandatory minimum and only pays for bodily injury and property damage you cause to others, never your own car. It is usually the cheapest formule and often the right choice for an older, low-value car.
Tiers Étendu (Partial Comprehensive)
Tiers étendu (intermédiaire) keeps the third-party base and adds common extras such as theft (vol), fire (incendie), and glass breakage (bris de glace). It is a middle ground between the legal minimum and full cover.
Tous Risques (Full Comprehensive)
Tous risques is the most complete tier, also covering damage to your own vehicle even when you are at fault or no third party is identified. It usually makes sense for a newer or financed car, and leasing contracts (LOA or LLD) contractually require it.
Match the tier to the car's value
Is Car Insurance Mandatory in France?
Assurance auto is legally mandatory for every motor vehicle in France, even one that is parked and never driven, under article L211-1 of the Code des assurances. The legal minimum is responsabilité civile, commonly called au tiers, which covers bodily injury and property damage you cause to third parties. Driving without it is a criminal offence under article L324-2 of the Code de la route, with a fine of up to €3,750 or a fixed penalty starting at €500. Insurers offering this cover are supervised by the ACPR.
Once insured, you receive a mémo véhicule assuré (the digital successor to the old paper carte verte) as proof of cover. France runs a Fichier des Véhicules Assurés (FVA), so police can check insurance status by plate during roadside controls. The FGAO guarantee fund compensates the victims of uninsured drivers. Everything above responsabilité civile is optional in law, although a lender or leasing company can impose tous risques by contract. General rules on mandatory cover are explained on service-public.fr.
How Much Does Car Insurance Cost in France?
Published entry prices for car insurance in France start at about €10 a month in October 2026, but only for narrow profiles. GMF publishes its AUTOPASS Tiers from €10.01 a month (tariff dated 1 April 2026), Luko by Allianz Direct starts at €18.24 a month, and MAIF shows an indicative €21.83 to €39.10 a month for a bonused driver. A comparator captured the broker Leocare lower still, from €6.63, for a minimum profile. Macif, AXA, Allianz, Groupama, MAAF, and MMA publish no prices at all, so their cost is always a quote.
| Insurer and formula | Per month | Per year (×12) | Source |
|---|---|---|---|
| Leocare, minimum profile (broker) | €6.63 | €79.56 | Comparator capture, 2026 |
| GMF AUTOPASS Tiers | €10.01 | €120.12 | GMF tariff, 1 April 2026 |
| Direct Assurance Tiers, bonused | ≈€13.79 | ≈€165.48 | Comparator quote, 2026 |
| Luko by Allianz Direct, entry | €18.24 | €218.88 | fr.luko.eu, October 2026 |
| MAIF Initiale to Plénitude, bonused | €21.83 to €39.10 | €261.96 to €469.20 | MAIF indicative grid, 2026 |
| Eurofil tous risques, small car, bonused | ≈€30 | ≈€360 | Comparator capture, 2026 |
| L'olivier | Quote only | + €36 dossier fee in year one | L'olivier FAQ, 2026 |
Method: published or captured monthly entry price × 12. Entry prices show the cheapest profile each source quotes, not a price for your car. Compiled for our October 2026 research; capture dates as stated.
The franchise is the amount you pay out of pocket on a claim before the insurer pays the rest. A higher franchise lowers your premium but raises your cost per claim. Every premium also carries the catastrophe-naturelle surcharge, which rose from 6% to 9% on 1 January 2025 (arrêté of 22 December 2023).
How Does the Bonus-Malus (CRM) Work in France?
The bonus-malus, officially the coefficient de réduction-majoration (CRM), is set by article A121-1 of the Code des assurances and multiplies your base premium. Every new driver and every new French policyholder starts at 1.00. Each claim-free year multiplies it by 0.95, each at-fault claim by 1.25, and a partly at-fault claim by 1.125. The floor is 0.50, reached after 13 claim-free years; the ceiling is 3.50.
Three rules protect long-standing drivers. A driver who has held 0.50 for at least 3 years keeps it after a first at-fault accident. A malus returns to 1.00 after 2 consecutive claim-free years. And your CRM survives a gap without insurance of up to 3 years; after that you restart at 1.00. The CRM follows the main driver, not the car, and the relevé d'information your insurer issues is the proof a new insurer asks for. Young drivers also pay a surprime jeune conducteur of up to 100% in year one, halved after conduite accompagnée.
| Driving record | CRM | Premium paid vs base |
|---|---|---|
| Start (new driver or new to France) | 1.00 | 100% |
| 1 claim-free year | 0.95 | 95% |
| 2 claim-free years | 0.90 | 90% |
| 3 claim-free years | 0.85 | 85% |
| 5 claim-free years | 0.76 | 76% |
| 10 claim-free years | 0.57 | 57% |
| 13 claim-free years (floor) | 0.50 | 50% |
| From 1.00, one at-fault claim | 1.25 | 125% |
| From 1.00, two at-fault claims | 1.56 | 156% |
Our calculation: ×0.95 per claim-free year and ×1.25 per at-fault claim, rounded down to two decimals each year, floor 0.50 and ceiling 3.50. Rules from Code des assurances article A121-1 as summarised on service-public.fr, accessed October 2026.
Does a Foreign No-Claims Bonus Count in France?
Foreign driving history has no legal effect on the French bonus-malus, so every newcomer starts at a CRM of 1.00. A UK, US, or other no-claims bonus counts only when an insurer chooses to accept it. One channel does so as written policy: Crédit Agricole's English-language service Britline honours a UK no-claims bonus with proof of the last 3 years. The others decide case by case, and online brands with automated pricing simply apply 1.00. A French driver returning after less than 3 years abroad keeps the old CRM.
| Insurer or channel | Treatment of foreign no-claims history | Evidence |
|---|---|---|
| Crédit Agricole Britline | Written policy: UK no-claims bonus honoured with proof of the last 3 years | britline.com, December 2023 |
| AXA / AXA International | Accepts foreign attestations case by case; expat desks exist | Hyperassur 2026; Selectra, September 2026 |
| Direct Assurance | Named as relatively flexible; sworn translation of the attestation advised | Selectra, September 2026 |
| MAIF | Case-by-case goodwill on an attestation, not contractual | Hyperassur 2026 |
| GMF | Case-by-case goodwill reported | Hyperassur 2026 |
| Sogecap (Société Générale) | Case by case reported | Hyperassur 2026 |
| Specialist brokers (Active Assurances, Assurpeople, SOS Malus, April International) | Place the risk using your foreign history; a premium loading is still likely | Market intelligence, 2026 |
| Online brands (L'olivier, Leocare, Acheel) | No formal acceptance; automated pricing treats you as CRM 1.00 | Research synthesis, October 2026 |
| Any insurer, no documented history | First-year loading of +20% to +50% reported | easyfrancenow, March 2026 |
Insurer practice changes. Ask a new insurer to confirm in writing the CRM it applies before you sign. Compiled October 2026.
- Before you leave, get a no-claims letter from your current insurer covering as many years as possible.
- Have it translated by a sworn translator (traducteur assermenté).
- Ask Britline (UK history), AXA, Direct Assurance, and MAIF first.
- If refused, negotiate the absolute price, not the coefficient: take tiers cover for 1 to 2 years, or insure a bonused partner as main driver, since the CRM follows the main driver.
- After 2 to 3 claim-free French years your CRM reaches 0.90 to 0.85 and the whole market reopens.
| Driver | Coefficient applied | Premium vs a French driver at 0.50 |
|---|---|---|
| French driver, 13+ claim-free years | 0.50 | 1.0× |
| Newcomer, foreign history ignored | 1.00 | 2.0× |
| Newcomer, no documents, +20% loading | 1.00 + 20% | 2.4× |
| Newcomer, no documents, +50% loading | 1.00 + 50% | 3.0× |
| Same newcomer after 2 French claim-free years | 0.90 | 1.8× |
| Same newcomer after 3 French claim-free years | 0.85 | 1.7× |
Our calculation on the same base premium: coefficient ÷ 0.50, times any loading. It matches the finding in Selectra's expat guide (September 2026) that the reset roughly doubles an experienced expat's premium.
Which Car Insurer Fits Your Situation?
The cheapest car insurer in France depends on your bonus-malus and your history, not on the brand. Our October 2026research matched four common situations against published prices and each insurer's rules. A driver with a strong French bonus gets the most from a direct brand; a newcomer with a long record abroad needs an insurer that reads foreign attestations; a driver with a malus needs a specialist broker or the legal backstop.
| Situation | Best fit | Runner-up | Why, and what to avoid |
|---|---|---|---|
| UK expat, 12 claim-free years | Crédit Agricole Britline | AXA or Direct Assurance, sworn translation | Only channel with written acceptance of UK history; automated online brands reset you to 1.00 |
| Resident, CRM 0.60, cheapest decent cover | Direct Assurance Tiers (≈€13.79/month) | GMF AUTOPASS Tiers (€10.01/month) | Direct brands reward a good CRM; YouDrive can cut up to 50%. Watch renewal creep |
| Malus driver (CRM 2.2), refused twice | Active Assurances or SOS Malus | BCT procedure | Brokers place refused risks quickly; the BCT forces a legal-minimum contract. Never drive uninsured |
| New driver, first car | Quotes from L'olivier, Ornikar, and MAIF | Direct Assurance | Surprime up to 100% in year one, halved after conduite accompagnée; MAIF young-driver entry from ≈€21.25/month (comparator) |
Scenarios from our October 2026 research. Prices are published or comparator entry prices, not quotes for your profile.
What Drives Your Car-Insurance Premium?
Your car-insurance premium in France is set by a handful of rating factors, not the brand alone. The two headline levers are your bonus-malus coefficient and the car itself: a vehicle with higher chevaux fiscaux (fiscal horsepower), a higher value, or a sportier category costs more to insure because it is more expensive to repair or replace.
Where and how you keep the car matters just as much. City versus rural location changes the price sharply, since dense urban areas carry higher theft and accident risk, and parking on the street rather than in a private garage raises it further. Driver profile is the last big factor: a jeune conducteur (newly licensed driver) pays a surprime of up to 100% in the first year, which then shrinks with each claim-free year.
Insurer choice then fits the profile. Covéa (MAAF, MMA, GMF) is the largest motor insurer in France, while online insurers Direct Assurance and L'olivier are often the cheapest first-year quotes for low-risk and young drivers. Renewals told a different story in 2025-2026: users reported claim-free increases of 12% at MAAF, more than 20% at GMF, and up to 21% at MAIF. General rules on mandatory cover are on service-public.fr.
When Can You Switch or Cancel Car Insurance in France?
Loi Hamon (article L113-15-2 of the Code des assurances) lets you cancel car insurance at any time after the first 12 months, free and without giving a reason. Your new insurer sends the cancellation, the old contract ends 1 month after notification, and the unused premium is refunded pro rata. Sign the new contract first, so there is never a day without the mandatory cover, and hand over your relevé d'information so your CRM carries across.
Before month 12 the exits are narrow. A premium increase alone creates no cancellation right unless your contract says so. Loi Chatel requires a renewal reminder; if it arrives late or never, you may cancel free after renewal, otherwise the notice is 2 months before the renewal date. A change of situation under article L113-16, such as a move, marriage, or retirement, lets you cancel within 3 months of the event.
If your insurer cancels you after a claim (article L113-10), it must give 1 month's notice, and you may then cancel every other contract you hold with it within 1 month. Contracts taken out online must offer free online cancellation since 1 June 2023. Drivers on r/vosfinances advise re-quoting every one to two years, because direct brands win year one and then raise the renewal.
What people in France report
- + L'olivier vs GMF price gap: A GMF customer who was happy with its assistance was quoted about half the GMF renewal price by L'olivier for the same driver, which shows how far a direct brand's first-year price can undercut an incumbent. (r/vosfinances, 2024)
- ○ Online insurer renewal creep: Drivers in a 2024 thread agree that online insurers win the first year and then creep: one watched L'olivier raise the premium every year despite no claims and a rising bonus, another saw Direct Assurance add about €4 a month in year two. (r/vosfinances, 2024)
- − L'olivier claims handling: L'olivier reviewers describe a hail claim still unresolved after nine months, an increased franchise discovered only after demanding the repair invoice, and direct debits that kept running after the contract was cancelled. (Trustpilot via JeChange, February 2025)
- − GMF renewal increases: GMF policyholders report renewal increases above 20% in 2025 with no claim on file, and claims where the case manager became unreachable during the expert assessment. GMF holds 2.4/5 on Trustpilot over 657 reviews. (Goodassur, 2026)
- − Matmut claim delays: A Matmut driver who was not at fault waited six months for an expert assessment, then more than seven months without reimbursement and without a courtesy car. Several 2025 reviews describe the same slow pattern. (LeLynx (Trustpilot reviews), September 2025)
- − MAIF renewal shock: A MAIF member of 50 years saw the base car premium rise 21% and home cover 11% at a single renewal, and a written complaint drew a form letter citing climate change and repair costs. (Trustpilot, March 2026)
Paraphrased from public posts, each dated and linked. A small sample, not a representative survey.
What Can You Do If Insurers Refuse to Cover You?
The Bureau Central de Tarification (BCT) is the legal backstop for drivers no insurer will take. After two refusals, the BCT can order an insurer to sell you the legal-minimum responsabilité civile at a price the BCT caps. The procedure exists because driving uninsured is a criminal offence, and the FGAO fund steps in for the victims of uninsured drivers. The rules are summarised on service-public.fr.
Specialist brokers are the faster route after a malus or a cancelled contract (résilié). Active Assurances, SOS Malus, and Assurpeople place refused risks quickly, at prices 20% to 60% above the standard market, with higher franchises and tighter driver conditions. A malus is not permanent: 2 consecutive claim-free years bring the coefficient back to 1.00 and reopen the standard market.
Check any broker on the ORIAS register before paying: selling insurance without ORIAS registration is a criminal offence. The ACPR supervises insurers but does not settle individual disputes. For a dispute, send a written complaint to the insurer, allow it 2 months, then refer the case to La Médiation de l'Assurance within 1 year. The service is free, and in 2024 it sided fully or partly with the policyholder in about 55% of the cases it examined.
How Do You Register a Car in France?
Registering a car is a separate step from insuring it, and it comes first. Registration is handled online through the ANTS portal (Agence nationale des titres sécurisés) and produces the certificat d'immatriculation, the official registration document still widely known as the carte grise.
- Step 1: Create an account and apply on ANTS (immatriculation.ants.gouv.fr), the only official channel for a carte grise.
- Step 2: Provide the vehicle documents, proof of identity, and proof of address, then pay the taxe régionale that funds the certificat.
- Step 3: Receive your certificat d'immatriculation (carte grise) by post, with a provisional document (CPI) to drive in the meantime.
- Step 4: Fit the matching plaque d'immatriculation (number plate) tied to the registration.
- Step 5: Take out assurance auto before you drive, since insurance is mandatory even to move the car on the road.
Sources: service-public.fr (assurance auto obligatoire, carte grise, bonus-malus), ANTS, ACPR, ORIAS, La Médiation de l'Assurance 2024 annual report, and insurer tariff pages, October 2026. Verify current rules and cover with your chosen insurer.
Car Insurance in France: Frequently Asked Questions
Is car insurance mandatory in France?
Yes. Assurance auto is legally mandatory in France for every motor vehicle, even one that is parked and never driven (article L211-1 of the Code des assurances). The legal minimum is responsabilité civile (au tiers), which covers damage you cause to other people. Driving uninsured is a criminal offence under article L324-2 of the Code de la route, punishable by a fine of up to €3,750.
What is the difference between au tiers and tous risques?
Au tiers is the legal minimum and only covers third-party damage you cause. Tiers étendu adds theft, fire, and glass breakage. Tous risques is the most complete tier, also covering damage to your own car even when you are at fault or no third party is identified. Leasing contracts (LOA or LLD) usually require tous risques.
How does bonus-malus work in France?
Bonus-malus, officially the coefficient de réduction-majoration (CRM), starts at 1.00. Each claim-free year multiplies it by 0.95, down to a floor of 0.50 after 13 years, while an at-fault claim multiplies it by 1.25, up to a ceiling of 3.50. The coefficient follows the main driver between insurers and directly scales your premium.
Does my foreign no-claims bonus transfer to France?
Not automatically. Foreign driving history has no legal effect on the French bonus-malus, so newcomers start at a CRM of 1.00. Crédit Agricole's expat channel Britline honours a UK no-claims bonus with proof of the last 3 years as written policy. AXA, Direct Assurance, MAIF, and GMF consider a sworn-translated attestation case by case. Online brands with automated pricing usually treat you as 1.00.
How do you switch car insurance with loi Hamon?
Under loi Hamon, after your first 12 months you can cancel your assurance auto at any time with no penalty. Your new insurer sends the cancellation, the old contract ends 1 month after notification, and the unused premium is refunded pro rata. Loi Chatel separately requires insurers to send a renewal reminder before tacit renewal.
What happens if two insurers refuse to cover me?
After two refusals you can apply to the Bureau Central de Tarification (BCT), which orders an insurer to sell you the legal-minimum responsabilité civile at a price the BCT caps. Specialist brokers such as Active Assurances or SOS Malus are usually faster, at prices 20% to 60% above the standard market.
What do you do after an accident (constat amiable)?
Fill in a constat amiable (constat amiable d'accident automobile) with the other driver at the scene. This joint report records the circumstances and a sketch, and both drivers sign it, which is what assigns liability. Send your copy to your insurer within five working days to open the claim (sinistre); your franchise applies and an at-fault claim triggers a malus. If you disagree with how a claim is handled, send a written complaint to the insurer, wait up to 2 months, then refer it to La Médiation de l'Assurance, which is free.
Do you need to register a car before you insure it?
You register the car first, then insure it before driving. Registration produces the certificat d'immatriculation (carte grise) through the ANTS portal, along with a plaque d'immatriculation. You cannot legally take the car on the road until it is insured, so arrange cover to start on the day you drive.
Why is car insurance so expensive for young drivers in France?
A newly licensed driver (jeune conducteur) starts at a bonus-malus of 1.00 with no track record, and insurers add a surprime jeune conducteur of up to 100% in the first year, halved for drivers trained through conduite accompagnée. City parking, a powerful car with high chevaux fiscaux, and street parking all raise it further. Online insurers such as Direct Assurance or L'olivier are often the cheapest first-year quotes, so re-quote at each renewal.
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Entity References
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