Dec 19, 2022 11:30
1 yr ago
34 viewers *
French term
United Kingdom
Sensible solutions
Native in: English (Variant: Wessexois) 
Works in: French to English, English, English to French
conduite à l'insu
French to English
Bus/Financial
Insurance
Vehicle leasing insurance
This is one of the insurer's exclusions:
Votre Dommage Corporel (ou décès) si, au moment de l'Accident, vous n'êtes pas le Conducteur autorisé du Véhicule garanti, exception faite pour votre enfant mineur non émancipé en cas de conduite à l'insu
It basically means "driving unwittingly/without knowledge" - but is this referring to the child? - i.e. you are covered however if your minor dependent child drives the vehicle without your knowledge?
Votre Dommage Corporel (ou décès) si, au moment de l'Accident, vous n'êtes pas le Conducteur autorisé du Véhicule garanti, exception faite pour votre enfant mineur non émancipé en cas de conduite à l'insu
It basically means "driving unwittingly/without knowledge" - but is this referring to the child? - i.e. you are covered however if your minor dependent child drives the vehicle without your knowledge?
Proposed translations
(English)
| 4 +5 | without your knowledge |
philgoddard
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| 5 | Without the knowledge of |
Armelle Sandra
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| 3 -2 | driven unknowingly |
Adrian MM.
|
Proposed translations
+5
3 hrs
philgoddard
United States
United States
Native in English
Specializes in field
United States
Six languages into flawless English
Native in: English
Works in: German to English, French to English, Spanish to English, and 4 more.
Related KudoZ points
:
129
Selected
without your knowledge
The rest of the sentence uses 'you', so there's no reason to switch to the third person.
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Note added at 12 hrs (2022-12-20 00:28:43 GMT)
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Here's an example showing that "du propriétaire" or "des parents" or whatever is taken as read, and the omission of this information is not a mistake:
La portée d'une extension de garantie « conduite à l'insu » comprise dans la garantie « responsabilité civile vie privée »
...la garantie serait acquise si l’enfant avait conduit la moto à l'insu de sa mère, de son propriétaire ou gardien et qu'il n'en ait eu ni la propriété ni la garde, et retenu qu'il en était le gardien.
http://www.labase-lextenso.fr/revue-generale-du-droit-des-as...
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Note added at 12 hrs (2022-12-20 00:28:43 GMT)
--------------------------------------------------
Here's an example showing that "du propriétaire" or "des parents" or whatever is taken as read, and the omission of this information is not a mistake:
La portée d'une extension de garantie « conduite à l'insu » comprise dans la garantie « responsabilité civile vie privée »
...la garantie serait acquise si l’enfant avait conduit la moto à l'insu de sa mère, de son propriétaire ou gardien et qu'il n'en ait eu ni la propriété ni la garde, et retenu qu'il en était le gardien.
http://www.labase-lextenso.fr/revue-generale-du-droit-des-as...
Note from asker:
| Thank you, confirms my initial idea |
Peer comment(s):
| agree |
Eliza Hall
: Yes. In the car-insurance context "conduite à l'insu" means without the knowledge of the vehicle's owner, who is apparently referred to as "you" throughout this contract.
4 hrs
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Thanks.
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| agree |
Samuël Buysschaert
7 hrs
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| agree |
Bourth
10 hrs
|
| agree |
ph-b (X)
18 hrs
|
| agree |
Daryo
6 days
|
4 KudoZ points awarded for this answer.
58 mins
Armelle Sandra
Cameroon
Cameroon
Native in French
Cameroon
Ponctualité-efficacité-rigueur
Native in: French (Variants: Canadian, Cameroon, Standard-France)
Works in: English to French, French to English
Without the knowledge of
Driving without the approval of the parents or without them knowing.
Example sentence:
The insurance does not cover driving accidents without knowledge of the parents.
-2
7 hrs
Adrian MM.
Austria
Austria
Native in English
Specializes in field
Austria
Retd.T&I, Barrister & Austro-Advokat
Native in: English (Variants: British, Scottish) 
Works in: Spanish to English, English to Spanish, French to English, and 5 more.
Related KudoZ points
:
24
driven unknowingly
It doesn't say 'à votre insu' and the expression is so ambiguous, it could - laughably - refer to the under-age driver him- or herself if and when deranged (no private jokes pleas), under the influence of drugs or alcohol or even somnambuilsm:
'Sleepwalk-driving, or more commonly known as sleep-driving, is a rare phenomenon where the person drives a motor vehicle while they are sleepwalking. If stopped by police, sleepwalk-drivers are totally incapable of having any interaction with the police, if they are still sleepwalking during the event.' (The criminal defence of automatism and French 'equivalents' need not be canvassed here, but I know it has been successfully run in England & Wales courts).
The doctrine of 'contra proferentem' is well-established in international insurance: the terms of the policy, in the event of ambiguity, will be construed against the profferor, routinely nine times out a ten against the insurance company and in favo(u)r of the policyholder or insured(s).
'So let the French or UK court decide'.
'Sleepwalk-driving, or more commonly known as sleep-driving, is a rare phenomenon where the person drives a motor vehicle while they are sleepwalking. If stopped by police, sleepwalk-drivers are totally incapable of having any interaction with the police, if they are still sleepwalking during the event.' (The criminal defence of automatism and French 'equivalents' need not be canvassed here, but I know it has been successfully run in England & Wales courts).
The doctrine of 'contra proferentem' is well-established in international insurance: the terms of the policy, in the event of ambiguity, will be construed against the profferor, routinely nine times out a ten against the insurance company and in favo(u)r of the policyholder or insured(s).
'So let the French or UK court decide'.
Example sentence:
How often has someone you love driven under the influence unknowingly?
The contra proferentem rule is a legal doctrine in contract law which states that any clause considered to be ambiguous should be interpreted against the interests of the party that created, introduced, or requested that a clause be included.
Note from asker:
| Very abstruse monolgue on sleepwalking and automatism but do you REALLY think it's referring to that?? |
Peer comment(s):
| disagree |
Eliza Hall
: Nothing to do with under the influence or sleepwalking. In the car insurance context "conduite à l'insu" means à l'insu du propriétaire. Ex.: https://www.argusdelassurance.com/reglementation/jurispruden...
18 mins
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that construction cannot be ruled out. It would be legally dodgy if in fact the under-age driver were under the influence or sleep-driving.That's why lawyers & translators need to carry prof. indemnity insurance.
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| disagree |
Bourth
: I didn't know it either, but 'à l'insu' (alone) has a defined meaning in insurance, it seems.
6 hrs
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So does 'contra proferentem' have a defined meaning - namely an ambiguity in an insurance policy is construed against the insurer if such an 'abstruse' case ever did come to court. That's why lawyers & translators need to carry prof. indemnity insurance.
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Discussion
"1.3.2 Conduite à l’insu
Nous* couvrons les conséquences de votre responsabilité civile lorsque celle-ci est recherchée par suite de l’utilisation, à votre insu, d’un véhicule assuré* par une personne mineure, non émancipée, dont Vous* ou votre conjoint répondez en qualité de parent ou de tuteur."
Unless drivers can switch authorization on and off at will.
de mineur émancipé), lorsque celui-ci conduit votre véhicule à votre insu."