French Phrase
Ma franchise, elle est de combien ?
Meaning
You are asking the other person to tell you the amount of your insurance deductible. The sentence is informal but perfectly acceptable in everyday conversation with an agent or a friend who knows your policy.
When to use
Use this question when you are reviewing an insurance contract, calling your insurer, or discussing coverage with a broker. It can also appear in a casual chat about car, health, or home insurance.
✦Grammar Breakdown
Mafranchise,elleestdecombien?
Possessive adjective (Ma)
‘Ma’ agrees with the feminine noun ‘franchise’ and means ‘my’.
Noun ‘franchise’
In insurance, ‘franchise’ is the deductible – the amount you pay before the insurer steps in.
Pronoun ‘elle’
‘Elle’ replaces the noun ‘franchise’ to avoid repetition.
Verb + de + amount (est de)
The construction ‘être de + amount’ is used to ask or state a price, quantity or measurement.
Interrogative adverb ‘combien’
‘Combien’ asks for a quantity; it follows the verb phrase ‘est de’.
🗨In Conversation
Ma franchise, elle est de combien ?
My deductible, how much is it?
Elle est de 300 €, donc vous payez les 300 premiers euros en cas de sinistre.
It’s €300, so you pay the first €300 in case of a claim.
✕Common Mistakes
Ma franchise, c’est combien ?
‘C’est’ is used for identification, not for asking the amount of a specific noun; use ‘elle est de’ or ‘quel est le montant de’ instead.
Ma franchise, elle est de combien de ?
‘Combien de’ is followed by a noun, not by a verb phrase. Here you need ‘combien ?’ after ‘est de’.
Ma franchise, elle est de combien de magasins ?
Do not confuse the insurance term with the business term ‘franchise’. In this context, it always means deductible.
↔Alternatives
Quel est le montant de ma franchise ?
What is the amount of my deductible?
Combien coûte ma franchise ?
How much does my deductible cost?
Ma franchise, c’est combien ?
My deductible, how much is it?
Cultural Tip
In French, ‘franchise’ is a technical term used mainly in insurance and sometimes in retail (e.g., tax‑free threshold). When speaking with a professional, you’ll often hear the more formal ‘Quel est le montant de ma franchise ?’. In casual speech, the shorter ‘C’est combien ?’ is common, but keep the noun ‘franchise’ to avoid ambiguity with other meanings of ‘franchise’ (like a business franchise).