Free Practice Questions for BTS Assurance

The Brevet de Technicien Supérieur Assurance (BTS Assurance) is a French national higher education vocational qualification at Level 5 of the RNCP (European Qualifications Framework Level 5, Bac+2, 120 ECTS). Certified by the French Ministry of National Education, it equips graduates to work as client advisers, claims adjusters, underwriters, and contract managers in insurance companies, general agencies, mutual benefit insurers, and brokerage firms.

For the 2026 session, the 2017 référentiel has five examination groups comprising seven compulsory units and 22 coefficients: E1 / U1 Culture générale et expression (written 3 h in 2026, coef 3); E2 / U2 Langue vivante étrangère (written 2 h plus oral 20 min, coef 2); E3A / U31 Culture professionnelle et suivi du client (written 4 h, coef 4); E3B / U32 Développement commercial et conduite d'entretien (CCF or oral 40 min, coef 4); E4A / U41 Gestion des sinistres (written 4 h, coef 4); E4B / U42 Accueil en situation de sinistre (oral 20 min, coef 3); and E5 / U5 Communication digitale, utilisation du SI et des outils numériques (CCF or written 2 h, coef 2).

Candidates must achieve a minimum overall weighted average of 10 out of 20 across all examination units. There are no eliminatory minimum grades, but an unexcused absence results in a mark of zero which makes passing mathematically difficult. Individual units where a candidate scores 10/20 or higher can be validated and retained for up to 5 consecutive examination sessions.

Under Article L. 113-8, an intentional misrepresentation or fraudulent non-disclosure by the policyholder results in the absolute nullity of the contract; the insurer retains all paid premiums as damages and pays zero indemnity for any claim. Under Article L. 113-9, an unintentional error or good-faith omission discovered after a claim reduces the indemnity proportionally to the ratio of paid premium to due premium (règle proportionnelle de prime: Indemnity = Damage × Paid Premium / Due Premium).

Under the Loi Chatel (Article L. 113-15-1), insurers must notify individual policyholders of their annual renewal date at least 15 days before the termination deadline; if notified later, the policyholder has 20 days to cancel. Under Article L. 113-15-2 and its implementing rules, consumers can terminate qualifying motor, home, affinity, and complementary-health contracts without fees or penalties after the first year.

Every driver starts with a baseline coefficient of 1.00. For each consecutive year without an at-fault accident, the coefficient is multiplied by 0.95 (a 5% reduction), down to a statutory minimum of 0.50 (reached after 13 claim-free years). Each fully responsible at-fault claim increases the coefficient by 25% (multiplied by 1.25), and each partially responsible claim increases it by 12.5% (multiplied by 1.125), up to a maximum ceiling of 3.50. Under the descente rapide rule, after two consecutive claim-free years at maximum malus, the coefficient resets to 1.00.

The Convention IRSI (Indemnisation et Recours des Sinistres Immeuble) simplifies settlement between participating insurers for qualifying building water and fire claims not exceeding €5,000 excluding VAT. Tranche 1 covers damage up to €1,600 excl. VAT and generally uses appraisal and payment by the managing insurer without recourse. Tranche 2 covers damage above €1,600 and up to €5,000 excl. VAT; a single expert acts for the participating insurers and recourse follows the convention's allocation rules.

The Loi Badinter establishes a protective compensation framework for accident victims when a motorized land vehicle is involved, excluding trains and trams running on their own tracks. Non-driver victims are compensated for bodily injury unless an inexcusable fault was the exclusive cause. Non-driver victims under 16, over 70, or holding formal recognition of at least 80% permanent incapacity or invalidity are compensated in all cases unless they intentionally sought the damage.

For contracts over 8 years old, withdrawals benefit from an annual income tax allowance on gains of €4,600 for a single person and €9,200 for married couples (17.2% social contributions remain due). Upon the insured's death, premiums paid before age 70 are exempt from inheritance tax up to €152,500 per designated beneficiary under Article 990 I of the CGI (taxed at 20% then 31.25% above that). Premiums paid after age 70 share a single global exemption of €30,500 across all beneficiaries under Article 757 B of the CGI, while all accumulated interest on those late premiums is completely exempt from inheritance taxes.

Most non-language papers and professional oral assessments in the national BTS Assurance are administered in French, while E2 assesses a chosen foreign language. OpenExamPrep provides a 100-question English-language MCQ study adaptation of selected curriculum knowledge and applied judgment. It is not an official translation or format simulation and cannot replace practice with French case studies, the professional dossier, oral interviews, digital work, or the foreign-language unit.

Registration follows the national BTS access rules and each académie's Cyclades procedure. Candidates may register after an approved school, apprenticeship, continuing-training, or distance-learning pathway; Article D. 643-16 also permits candidates with at least one year of relevant technician-level professional activity. SIEC additionally documents routes for candidates who previously sat a BTS and for eligible distance or experience candidates; required supporting documents and unit forms vary by pathway.