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HOMEOWNERS INSURANCE: Compare Best Cheap Companies?


Although ensure against theft

You want to protect your home against theft? Know that your comprehensive insurance usually covers most of your losses. But still need to scrupulously respect the particular clauses.

The guarantee against theft is a major protections that must contain your home insurance . however beware of surprises if you do not know your contract details. In fact, your policy includes what are called special clauses that may prevent the collection of compensation.

Housing type, geographic area, the value of goods covered ... all have an effect on these particular terms and explain that they are different from one contract to another.

Burglary: The basic conditions of your insurance policy

Generally, the guarantee protects you against theft and burglaries committed burglary at your home. So you will pay as well as the deterioration of the loss of your property. But know that it is for the insured to the evidence of the break (broken glass, broken doors and locks, instruments forgotten by the burglar ...).

In addition, cases of fraud leading to flight are generally not taken into account by the contracts. Your insurer will also require locking all locks and latches and closing windows and shutters.

Burglary: The details of your insurance policy

Beyond these precautions, your insurance company may require compliance with specific safety standards, especially with regard to locks, electric shutters or even windows.

Your policy may require you to equip certified devices A2P (prevention protection insurance). This safety standard concerning the locks and also keys or components and provides various degrees of resistance (little stars * indicate the level of protection offered).

On windows, the presence of metal components may be mandatory, you can also opt for bars. The presence of an alarm system may in some cases be imposed.

The comprehensive home insurance

Case summary
The comprehensive home insurance
Who is affected?
What risks are covered?
How much does that cost?
Be careful!
Water damage, fire, burglary ... Of all the insurance policies taken out in a home, the comprehensive home is certainly one of the most comprehensive, protecting property and people.

You just moved into your new apartment or house? Remember to protect yourself against possible claims by taking out home insurance.

Water damage, fire, theft ... do you know exactly what guarantees are offered by your comprehensive home insurance? If certain protections are legally included in all contracts, other proposed schedule may prove valuable to use ... even if they involve a surcharge. For those who have taken out insurance there are more than 5 years, it is advisable to have it reviewed by your insurer to make sure that the price you pay is the reality of the value of your property. Not to mention that certain guarantees previously optional became mandatory today.

If this insurance is not mandatory for everyone, it is nevertheless very useful in many situations in life everyday. Whatever your status (tenant, owner ...), it is your responsibility to check your obligations in this area and make sure you are covered properly.

Finally, as with all insurance, do not neglect the conditions precedent. Packages, exclusions, reimbursement ceilings, read your contract well.

WelcomeMoneyInsuranceConstruction and equipment: that may require insurance?
Construction and equipment: that may require insurance?

Alarms, security doors, safes, smoke detectors ... The acquisition of these devices may be mandated by your insurer. Failure to follow these terms may increase your insurance premium or lower repayments.

When you purchase home insurance , you protect your home against any claims or burglaries. But know that in the name of precaution, your insurer has the right to impose certain work.

Each contract is specific, it is your responsibility to check that all the demands of your insurer is justified. Also ask about any inconvenience incurred for non-compliance with these obligations. Your location and the value of your property often affect the level of demand from your insurer.

Warranty fire: new obligations

So far the maintenance of equipment at risk and brush trimming your home were the main recommendations of your insurer. But the recent law that requires individuals to be equipped with smoke detectors within five years has changed all that.

The DAAF (autonomous detectors smoke alarms)

With an average of 250,000 house fires reported in France each year, the Metropolis is in turn to adopt a measure mandating the presence of a smoke detector in homes. These have a period of five years to buy the proper equipment.

Note: To ensure that your detector complies with the standards, make sure the product is labeled NF DAAF. Depending on the model, you will have to pay between 10 and 50 €.

S today you equip one of these detectors, your insurer may underestimate your contributions. However, for now, if you have not already done so install one of these devices at the time of the tragedy, the insurer will not deprive you of your rights to reimbursement.


If you have a house, be aware that more and more common (especially in the South) require the clearing of land near houses to avoid the risk of fire spreading. Failure to comply with this obligation, the duty of insurance may be increased to a maximum of € 5,000. In order to know the extent of the area to clear accuracy, please consult the administrative services of your town.

The lack of maintenance

Generally, your insurance company may refuse to indemnify you if the cause of the fire was a faulty device (not repaired) or poorly maintained with danger. However, to be admissible, this condition applies only to risks that the insured had actually consciousness.

Theft cover: what material to choose?

Always ensure that doors and windows are closed when you leave, do not leave a set of keys highlight ... In terms of burglary, the most elementary caution. But beyond these recommendations for use, your insurance company can force you to install various protective devices. If you have not done the work necessary, your refund may be only partial or no depending on the contract.

Windows and secure doors

The closure of access must be the first concern. For doors, the insurer will require mostly certified "A2P" against break locks. The windows will they be secured by the presence of shutters, gates or bars (solid and with sufficient spacing) or protective bars when they are easily accessible.

Alarms and surveillance systems

Simple case of presence detection with shrill beep or armada of surveillance cameras linked to security forces, the choice of a monitoring system can be complex. In any case, it is a true investment that may be required by your insurer (especially if the value of your capital exceeds a ceiling amount usually set at € 10,000).

The installation of a fairly sophisticated alarm will enable you to get a reduction on your insurance premium. On the other hand, know that surveillance systems are also accompanied by a subscription to adjust every month.


Purchasing a safe is obviously a plus for your insurer. All contracts will have different recommendations but usually, you will be taxed to deposit cash, some jewelry collections or valuable.

Insurance for students

Home insurance is mandatory! Even for students. It covers all risks that can occur in the home. Prices aside, the proposed rates are quite competitive. For the equivalent of four to five packs of cigarettes a year, you will be fully covered!

That's it, it's back to university and you have finally found a home. You are going to leave the family nest for the first time. This is the beginning of independence, but you must also take care of you. So, like any other tenant, you have to ensure your accommodation. The apartment is furnished or unfurnished, occupied for free, rental or roommate ... it's mandatory! A certificate will be also often requested by the owner before the lease is signed.

Fortunately, the offers "special student" were designed for you. Prices are studied and guarantees appropriate to your lifestyle. But beware, it can not be a student all his life! Students packs usually set age limits located around twenty-eight years.

Finally, to benefit student offers from different insurance companies will require a photocopy of your student card.

The risks covered

The risks covered by a "special student" insurance contract does not have fundamental differences with traditional residential casualty. As with any comprehensive home, insurance covers property losses that may arise in your home ( water damage , fire , electrical hazard ...) but also the flight .

Also note that the comprehensive home also covers civil liability. In practice this means to you that the insurer will provide its guarantee when a claim will be secondary to injury when your responsibility or that of other persons shall be bound vis-à-vis a third party. Some insurance policies, for example, offer a liability extended to placement activities, babysitting and tutoring.

If you want better cover your computer equipment or hi-fi in case of theft or vandalism, there are extended warranties. Know that valuables are often secured to the extent of 30% of the sum insured furniture and 10% for jewelry. However, you can purchase optional replacement value as new subject usually additional ten euros.

Please keep your equipment purchase invoices. They are required in case of disaster.

Read your contract

While reading an insurance policy is not exciting, it can save you some inconvenience. Including disaster.

Advice: start first by exclusion clauses guarantee. You'll save time. This part just for risks not covered.

Once this first reading is done, then move on benefit limits (maximum amounts reimbursed), deductibles disaster (fixed amount that you will pay in the event of a claim). This amount will still be deducted from the compensation, regardless of the extent of the damage.

How much does that cost?

When preparing your estimate, the insurer will ask for a description of accommodation: its surface, the number of rooms, year of construction of your home, the time it will be unoccupied during the year (the warranty suspended if prolonged vacancy: beyond 45 to 90 days, depending on the contract), the safety of your home (locks, alarms ...). In most cases, the surface are small and capital to ensure low. Count on average 15-40 euros per year for the mandatory minimum insurance + flights.

Check with insurance companies: many offers students exist (preferential offers with your parents' insurance may also be proposed). These offers of home insurance designed for students, sometimes contain additional insurance on travel or other ...

You have five days to file a claim other than a flight to your insurer and two days for theft in order to obtain warranty service. This requires you to follow a specific process and preserve evidence of prejudices suffered.

Here's how to make a claim to your insurer.

In case of theft
In case of other disasters
1. Gather evidence
2. Scroll statement
In case of theft TOP

In case of theft of any type, you must first file a complaint and make a theft report .
Complain first
Whether it's a stolen vehicle, a purse snatching or burglary, you have 24 hours to file a complaint, from the date on which the theft was found :
to the police station nearest to where you live police;
to the nearest police station to your home.
Note : If the theft took place while you were traveling, you will address to the police or to the nearest place where it took place gendarmerie.

Make the theft report
You have 2 business days from the date of the theft was found to make your claim with your insurance company.
Good to know : we are talking about "date on which the loss was found" not necessarily the date on which it actually took place, allowing you to play your insurance when you see a flight after your return vacation.

In case of other disasters TOP

Fire, water damage, explosion
In case of fire, water damage or explosion, you have 5 business days from the day you found the damage to notify your insurer.
Natural or technological disaster
In the event of natural or technological disaster, you also have 5 working days , as in the case of a power loss.
However, the guarantee natural or technological disaster begins only from the publication of the decree in the Official Journal of catastrophe.
Declaring a natural or technological disaster
Gather evidence TOP

To maximize your chances of having a favorable opinion of the expert and insurance, here are some tips to meet pending decision.
Take photos or video evidence of tampering: forced locks, broken windows, blackening due to the flames, the presence of water ... Make it double before handing it over to your insurance company.
Do not make any cleaning work before the visit of the expert , and if possible before he has delivered its opinion. If he would issue a negative opinion, you can call a second expert who can see the damage firsthand.
Regroup, if possible, invoices and credit agreements of damaged items.
Note : A good precaution is to scan all its bills and keep them on a remote server.

Make a statement TOP

Who to contact?
Most insurance companies have a phone number with the aim to assist their customers in the event of a disaster: it is on your policy, call it.
You can also contact the dealer from whom you went or go directly to your insurer.
Good to know : if your policy would have been destroyed in the disaster, simply contact the insurer and give him your name and your address.

Send an e-
Send a registered letter with acknowledgment of receipt to your insurer, containing:
Your name and address.
Your insurance policy number.
A description of the incident including the date, time, location.
A summary of damage and injury.
A description of the personal property that has been harmed by indicating their status.
The list of damage caused to third parties where applicable, with the names and addresses of the victims.

The assurance of a loan is a term insurance, limited to the duration of a loan, which guarantees repayment thereof in case of death. It is most often complemented by personal insurance guarantees covering the risk of disability, disability and possible job loss.
On 1 st September 2010, the borrower has the option to take out an insurance policy with an insurer of his choice.
aeras | Loan Insurance
The insurance fees
Underwriting of insurance loan
Loan insurance: mandatory information
The assurance of a loan agreement with the AERAS
Guarantees of loan insurance contract
Changes to the insurance loan
The involvement of the insurance contract loan
Underwriting of insurance loan

The loan insurance is compulsory?

Loan insurance is generally required to obtain a loan requirement. Although there is no legal obligation, credit institutions most often ask their customers to be assured.

On 1 st September 2010, the borrower has the option for a new loan to purchase an insurance policy with the insurer of his choice. The lender may refuse to guarantee an insurance contract if it has an equivalent level of security to the insurance group contract he proposes. Any refusal on his part must be substantiated.

How to make sure?

Group insurance and loan

The related loan group insurance is underwritten by the credit institution for the benefit of borrowers. It has many advantages for the borrower:
membership formalities are simple;
risks are pooled, that is to say divided among all borrowers who joined the group insurance contract;
costs are reduced because it is a contract insuring a large number of people.

Nevertheless, the assurance of a loan has certain limitations related to age or health status and occupation of the borrower, or the amount borrowed.
When a person does not fall within the general framework, the insurer may, in most cases, provide support guarantees against payment of an increased contribution or limit the scope of the guarantee.

Other possibilities loan insurance

The borrower or the insurer may seek other solutions, for example:
taking out a contract individual insurance or group pension other than the one purchased by the bank;
transfer to the lender for insurance coverage under a life insurance contract;
a pledge of a capital (capitalization bonds ...)
the use of other securities, such as a pledge of a portfolio of securities, deposit or pledge.
The one borrower and loan insurance

If more people contribute to the loan, it will ensure that each is provided in proportion to its contribution. One can, for example:
ensure each for the entire capital, the insurer then pays all of the remainder payable in case of death of an insured;
ensure each for 50% of the capital, the insurer then pays half of what is due.
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Loan insurance: mandatory information

The duty to inform the lender

Whatever the content of the insurance contract of the loan, the financial institution must provide all necessary information on guarantees and cost. The organization provides for this purpose a notice listing the specific risks insured and the details of the involvement of insurance.

In addition to this notice, the prior offer of consumer credit should include information on the optional nature of the insurance or not, and if it is mandatory on the ability of borrowers to purchase insurance equivalent to the company of his choice.

The duty to inform the insurer

With regard to the insured

Since 1 July 2009, a fact sheet on loan insurance is provided to individuals through home loans.

This card has no contractual value but improves information of borrowers - allows more transparency and promote competition by facilitating the comparability of insurance proposals. It is the result of the work of professionals in the banking, credit institutions as well as insurance professionals, in consultation with consumer associations and public authorities.

The record contains a number of items in a particular order. Some items marked with the word "supplement" can be adapted according to the insurance contract sold.

Insurance contracts involved, whether individual or collective, are those that guarantee the repayment of a mortgage for a particular.

This form must be submitted:
at (x) future (s) borrower (s) individual (s);
for new operations and new projects initiated from 1 July 2009;
through insurance or the insurer prior to commercialization of a contract and in any case before its conclusion.
The contents of this page may be incorporated in the material submitted via the subscriber or any member under the provisions of Article L. 520-1 of the Insurance Code (formalizing the duty of counsel). In all cases, the material submitted must include in the order specified sections of the fact sheet.

With regard to the lender

On 1 st September 2010, the insurer of a mortgage is obliged to inform the lender of non-payment by the borrower of its new insurance premium or any substantial amendment of the contract.

For other loans, from 1 st May 2011, when the purchase of insurance will be required by the lender, the insurer with whom the borrower has chosen to take will also inform the lender of non-payment of his premium insurance or any substantial amendment of the contract.

The obligations of the insured

The insured must notify the insurer a certain amount of information which are indispensable for assessing the likelihood that it supports (Article L. 113-2 of the Insurance Code). This forces the user to answer a questionnaire on their health status. It must seek to answer himself, completely and with greater accuracy because the statements involved.

Indeed, if there is an intentional misrepresentation on the part of the insured, the insurer is entitled to invoke the nullity of the contract (Article L. 113-8 of the Insurance Code). And, in case of loss, the insurer would not take over the balance of the loan.

In the absence of bad faith, the benefit may be reduced if the premium paid is lower than normal due (article. L. 113-9 of the Insurance Code).

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The assurance of a loan agreement with the AERAS

AERAS convention (Insurance and Risk Borrow with Aggravated Health) is designed to promote access to insurance and loans for people with serious health risks.

This treatment applies under certain conditions for personal loans (home loans and some types of consumer credit) and professional (loans for the purchase of premises and equipment).

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Guarantees of loan insurance contract

Death benefits

Loan insurance always includes this guarantee which usually ceases when the insured reaches age 65 or 70 years depending on the insurance contracts.
The death of the insured, the insurer reimburses the outstanding capital. He also reimburses in the most extreme cases of disability called total and irreversible loss of autonomy, if the contract so provides.

Warranty work disability Disability

It is essential to refer to the insurance policy loan to learn about specific definitions of guarantees, which may not reflect those of Social Security.

Disability and disability commonly refer to the following concepts:

Failure : temporary incapacity (partial or total) to carry out a professional activity or not.

Disability : permanent reduction (partial or total) of certain skills. It can be either a functional disability or an inability to engage in a professional activity or not.

Regarding the inability to carry out a professional activity or not,
it may be:
the inability to the occupation at the time of loss;
the inability to engage in a socially equivalent activity;
the inability to engage in any activity.
The franchise

It is expressed in days. Cover applies beyond this period. For example, for a franchise set at 90 days, the insurer compensates on the 91st day.

The age limit

Insurance contracts provide for age limits beyond which the guarantee is no longer granted.

The guarantee of job loss

This guarantee can be offered as optional by the lender when subscribing to it. In principle, if the lender does not offer, the borrower will not be able to purchase individually.
The conditions for the guarantee of job loss are unique to each contract (age at time of accession, nature of the employment contract on the date of accession or on the date of the statement of claim, maximum duration of benefits ...).

Job loss

These layoffs on contracts of indefinite duration (CDI) for which the State ASSEDICs or provide benefits.
Unless provided otherwise, the guarantee of job loss does not apply to probationary periods, nor taken early retirement or partial unemployment or voluntary resignations or the end of a fixed term contract (CDD) except possibly, if it occurred during a period of unemployment compensation.

The waiting period

This is the period immediately following the membership and insurance for which the insurer does not guarantee job loss (often three or six months).

The franchise

It is expressed in days and corresponds to the non indemnified by the insurer period. Cover applies beyond this period. For example, for a franchise set at 90 days, the insurer compensates from the 91 th day after the job loss.

The age limit

Contracts specify age limits beyond which the guarantee is no longer granted. The layoffs after a certain age, often 50 or 55, are not guaranteed by insurance.

Benefit duration

For each period of continuous unemployment, a maximum compensation is usually provided, for instance nine or twelve months; then compensation ceases.

For a loan even in case of repeated periods of unemployment, the total duration of benefits is still limited to two or three years maturity.

If there is a return to work, and a further loss of jobs eligible for warranty, indemnification generally follows:
no deductible, if the new claim occurs in a relatively short time (less than or equal to six months);
frankly in other cases.

The benefits provided

Several options exist. The most common are the total or partial support of repayments of the loan.

More rarely, it is the postponement of deadlines that the participant must pay when it has taken up paid employment, or when the warranty expires.

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Changes to the insurance loan

Subsequent changes to the definition of secured or the terms of the involvement of the insurance risk is unenforceable against the borrower who did not give his acceptance.
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The involvement of the insurance contract loan

The declaration formalities and time

If the credit institution has played an intermediary at the time of accession, it will send him to the declaration, preferably by registered post, to operate the insurance. It will forward the claim to the insurance company that will pay the benefits provided by the insurance of the loan contract.

Otherwise, contact your insurer directly.

Whatever the collateral involved, the reporting deadlines contained in the insurance contract must be respected. Otherwise, it may result in the loss of compensation or payment of compensation only from the sending of the statement.

The action in the event of disagreement with the insurance company

These are described in the instructions given to the time of purchase.
According to Article L. 112-2 of the Insurance Code, the documents given to the borrower when the loan underwriting, and thus joining the insurance must include:
procedures for reviewing claims that he can make on the contract;
the authorities responsible to investigate such claims (customer service or customer of the insurance company, mediation).
The use of these instances does not deprive the borrower to bring a lawsuit.

An issue relating to the state of disability or incapacity, it is possible to proceed at its own expense, against a second opinion by an expert physician of their choice. In case of disagreement between the medical experts of the insured and that the insurance company, they can be broken down by a third expert. Half of the fees of the latter are the responsibility of the insured.

If the dispute concerns the implementation of the guarantee, the insured may use his legal protection insurance contract if such a situation is expected.
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As of July 26, 2014, the borrower may, during the twelve months following the signing of the loan offer, terminate the loan insurance underwritten by the bank provided to submit an insurance contract with a level of security equivalent to the original insurance contract.

The vast majority of housing is secured by property and casualty homeowners insurance contracts. These contracts always cover certain events such as fire, explosion, water damage, natural disasters, technological disasters, storms and attack. Other events are also commonly covered theft, broken windows, damage to electrical appliances ...

Furthermore, the comprehensive home insurance contract:
covers the responsibility of the tenant to the owner for any damage it might cause to the leased property;
also includes additional benefits that cover the tenant's property and its responsibility to its neighbors and others.

Ensure the responsibilities of the renter to owner

The comprehensive home insurance covers the responsibilities of the tenant and its landlord, for example in case of fire damage, explosion and water damage. The insurer will compensate the owner for damages for which the tenant is responsible.

Uninsured but responsible tenant is liable to compensate the owner personally.
The landlord may require the tenant to provide him a certificate of insurance at the keys, and annually thereafter. It also has the right to include in the lease a clause to terminate the contract for default insurance. However, it can not force the tenant to apply to a particular insurer.

If the tenant does not call him the insurance certificate, the owner can take out an insurance policy and turn against the tenant.

Ensure the responsibilities of the tenant's neighbors and third

The comprehensive home insurance usually includes a "neighbor and third" guarantee. This warranty covers the responsibilities of the tenant towards its neighbors and others. Indeed, they may have recourse against the tenant if they have suffered damage:
as a result of water damage or an explosion occurred at home;
following a fire that originated in him and he is responsible.

Ensure the tenant's property

The comprehensive home insurance usually covers the tenant's property:
furniture, that is to say everything in its housing: furniture, clothing, appliances ...
embellishments made by the tenant: paintings, wall papers, false ceilings, plant a kitchen or bathroom ...
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Some things to check with the insurer
deductibles and sums insured;
inhabitation period beyond which the guarantee flight is suspended;
security measures to be taken under the guarantee water damage in case of inhabitation during freezing;
persons whose liability is insured by the contract.
Read also on
Home insurance: the insurance of a student housing
And condominium insurance
The contract guarantees comprehensive home
Moving insurance
Owners: What to do in case of fire or explosion?

The insurance associations
Factsheet , 09/10/2014
Liability of associations may be incurred as a result of their activities, their real or personal property. Various events are likely to damage their premises or vehicles. Those involved in association activities can also be victims of accidents during their activities.
Association Insurance | Liability
The insurance associations
Insurance of civil liability of associations
Comprehensive insurance for local
Personal insurance
Vehicle insurance
The insurance contract
Insurance of civil liability of associations

The following may be covered by liability insurance for the duration of their associational activity:
officers, legal or statutory representatives, officers or board of directors in the exercise of their functions;
employees attendants;
Volunteers aid;
monitors, facilitators, interns, assistants;
anyone substituted in the management, administration or management of the corporation insured or associations, centers, clubs, organizations, committees affiliated to it;
holders of the membership card member;
other members as honorary members, benefactors, founders, members of law, life members;
juveniles subject to the supervision of the association and those in their care;
trainees made available to the association;
attendants students association while doing their internship;
and for sports federations, holders of the license issued by the federation.

When damage is caused to any person outside the association, personal liability allows to compensate the victim.

If an insured person causes injury to another insured under the insurance policy of the association, personal liability plays only subject to an adjustment to the contract. The insurance association shall provide that policyholders have the status of third between them. This means that if an insured person causes injury to another insured, it will be well covered by the warranty liability of the association.
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Comprehensive insurance for local

The association owns
If it owns, the association's interest to insure its property against the various events that can damage the premises: water damage, theft, glass breakage, storm, hail, snow, natural disaster, fire, electrical damage ...

The association tenant
If it is a tenant, the association must stipulate insurance rental risks.

Waiver of appeal
After setting the compensation to the victim combination of a loss, the insurer has the option to recover the amount paid to the manager of the damage. To avoid this situation, a waiver of recourse against the volunteer helpers and participants in the activities of the association responsible for a loss, may be included in the insurance policy of the association. This particular clause prevents the insurer seeks reimbursement of the compensation paid to the association volunteer helpers or participants liable.
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Personal insurance

The insurance association members
The association can offer insurance to its members. Where appropriate, it should give them a record of accurate information on the contract.

In any case, the association should alert its members about the value of taking out an insurance policy to cover bodily injury which may expose the activities in which they participate.

The Insurance Association volunteers
Generally, the courts have held that there is a tacit assistance agreement between the association and its volunteers. The association must indemnify them for any accident through unpaid work.

Therefore, it had better take out insurance that covers against this risk.

According to their mission, volunteers can benefit from the legislation on accidents. To determine if this is the case, the association may apply to the social security fund which it depends.

It should ensure that the insurance policy is suitable arrangements for volunteers.
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Vehicle insurance

Vehicles of the association
In addition to the mandatory liability insurance, insurers offer guarantees, particularly concerning the damage to the vehicle and support. The content of the vehicle can be secured within certain limits and under certain conditions.

Vehicles of volunteers and staff
It is important that the association is concerned with the assurance of personal vehicles of its volunteers or employees:
any insured who regularly uses his car to the needs of the business must make a statement to his insurer;
mission insurance purchased under the liability insurance of the association can ensure the traffic accidents caused by the volunteer or employee who uses his personal vehicle as part of his business.
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The insurance contract

It is also possible to take several separate cover for each type of risk contracts.

The various risks faced by associations may be provided either by separate contracts or by comprehensive insurance policies.

Whatever the policies written by the association, it is important to check:
risks covered, benefits optional exclusions;
adaptation of sums insured risks;
deductibles (amounts remain the responsibility of the association).

In addition, it is imperative that the coverage of the contract takes into account all forms of activities developed by the association, not to mention the occasional or exceptional events (festivals, exhibitions, bicycle races, parades of floats ...), the trips or other activities necessary to achieve the objects of the association (missions, representations, statutory activities).

To subscribe to the insurance contract, the association provides a wealth of information to the insurer. In case of modification of the original data (new premises, new activities, new materials, new vehicles ...), the insurer must be notified. It is very important that all information is current for the duration of the contract.
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Sports associations
Sports clubs are obliged to purchase group insurance policies covering the liability of all participants. They must also offer membership in a group insurance contract that covers personal injury which may be suffered by athletes. When a sports association proposes to enroll in a group insurance contract, it is required to specify that membership is optional.

For the "theft" warranty is acquired, insurers often require the existence of means of protection . Protection levels may vary according to the following criteria: - house or apartment - main or second home - the postcode of housing - the duration of indwelling, - the amount and nature of personal capital to ensure - the status of the insured (owner or tenant) The various means of protection include: - Windows and assimilated (French windows, vents, skylights, ...): the level of protection required by insurers can range from a simple normal closure in good condition for the existence of full flaps or bars whose maximum distance is always specified. - The access doors to the house : the levels of protection required by insurers can range from a simple lock normal in good condition at a security door with a lock to 5 points and reinforced by anti-lift or anti-angle clamps devices. Insurers often ask that the locks meet safety standards certified: National Center for Prevention and Protection, French Standards Association ... - Electronic protections : protection levels required by insurers can range from simple to system alarm to an alarm system approved by the Plenary Assembly of Insurance Damage with maintenance subscription. On, to help you choose your home insurance , we indicate in our refunds means of protection required by insurers.

Home insurance: telesecurity

Telesecurity can protect your home or apartment day and night , whether you are present or absent. To protect your home, telesecurity allows:
- detect intrusion,
- deter intruders
- preventing those who are best qualified to respond to an alert. telesecurity companies typically offer a wide range of detectors intrusion and adapt each system to the risks and features of your home. If there is an intrusion attempt, triggering sirens or flashing light deter thieves. At the same time, you, your family or a monitoring company can be prevented by phone.

Home insurance: steps in case of water damage

Think first of all to prevent further damage by cutting the main supply of water. then you have 5 working days to complete an accident report . You need to specify all relevant information: date and time of the incident, nature and cause of the incident, inventory damage and estimate the value of goods, emergency incurred. This observation serves as your statement. If you do not have a finding amicable water damage, send a registered letter to your insurance company in which you indicate: - your name and address - the number of your contract of property insurance , - the description of the damage and the apparent cause of the accident. Accompany this letter from a repair quote and purchase invoices damaged objects.

Home insurance: steps in case of fire

Think first to prevent further damage by cutting the power supply, the gas inlets and closing windows. Within 5 days, you must make a claim to your insurer . You will specify all relevant information: date and time of the fire, caused the accident, inventory damage, relief committed coordinates of all those affected by the fire. Be sure to keep the damaged or burned to show to the expert. Do not litter! Gather anything that can justify the existence and value of your property. Bills, photos, prior expert reports Attend expertise : an expert representing your insurance company will assess the damage. It is important that you are there to give explanations and defend your point of view. If the damage is severe, you can also make an expert you choose who will represent you and your interests come. Note that the payment of fees to the expert, who normally comes back to you, is sometimes provided by your insurance contract habitation . If the guarantee "expert fees" is specified in your contract that your insurer will cover all or part of its costs.

Home insurance: steps in case of theft or attempted theft

You must first complain to the police or Commisariat gendarmerie station nearest within 24 hours of discovery of the theft or attempted theft.
's receipt of the complaint will be sent to your insurance in within 2 working days with the return of your claim and an estimate of the value of the stolen items . To facilitate the work of experts to assess the value of the stolen items, you need to collect as much information about these objects: invoices, photos, reports preliminary expertise. Moreover, you need to repair or have repaired as soon as possible all damaged openings and keep the locks forced to show to the expert.

Home insurance: steps in case of vandalism

You must first complain to the police or Commisariat station nearest police station within 24 hours of the discovery of the vandalism. then you must perform the same steps in the event of theft or attempted flight (see above). Council : To maximize your chances of receiving compensation for your property, take the time to make an accurate inventory of all your valuables. Take photos of the property and keep the bills, they are sometimes a condition for compensation (see Terms and Conditions of your home insurance policy). The ideal is to have them assessed by an expert.

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