The insurance guide is an indispensable tool to help you better protect your loved ones and your property. It is also a guide to better understand and choose your contracts and thus thwart a number of pitfalls, our ambition being to give everyone the means to discuss as equals with his insurer and ask the right questions.
The damage branch covers all property risks. The home multi-risk contract is the best known. A compulsory, it covers your home against the risks associated with fire, theft or water damage whose convention CIDRE has also facilitated the reimbursement.
Other areas where insurance is an obligation: auto insurance contracts. We will see how to choose the one that is best for your situation. Browse our guide freely by clicking on the pages that interest you.
- Temporary auto insurance: read the file
- Termination of home insurance
The provident branch is the most important for us, because it ensures his family in the event of death, disability and incapacity for work. These contracts are complementary to health insurance. We will also look at some aspects of life insurance that we are developing elsewhere in the investment guide, as well as the complementary health insurance, which is the subject of a separate guide.
Designed to protect you against professional hazards, unemployment insurance contracts cover you in case of job loss.
The contract for dog and cat
Difficult to classify this type of contract in the insurance of persons and yet the pets can benefit from a certain number of covers in case of accident or sickness (taking charge of an operation for example) or of capital death. The conditions remain strict, especially on the health conditions of the animal at the start or its age.
- Our file on dog and cat insurance
The new LAGARDE reform allowed borrowers to freely choose their contract to secure their loan. Even if the delegation of loan insurance was already possible, the new law requires banks to accept that their customers freely choose their company provided that the proposed contract provides equivalent guarantees.
- Credit insurance: read our guide
Contracts for professionals
The business branch deals with rules quite similar to those governing individual contracts. Thus, some are mandatory such as professional liability or professional multi-risk if the entrepreneur uses a local or manages a store, others remain optional, including provident policies.
It is customary to say that it is when a disaster occurs that we know if we have chosen the right contract.
In addition to being particularly attentive when reading the general conditions, it is important to know the procedure as soon as a disaster occurs. Not only is it essential to take the steps in time, but it is also recommended beforehand to take a number of precautions in anticipation of the occurrence of a disaster.
The insurance deductible
This is an essential point of ” contract-damage “. When comparing contracts between them, it is obviously advisable not to limit the study to the single tariff. You have to expand your thinking and read the general conditions carefully. One of the key points of compensation is the level and type of franchise. Depending on the options you set with your insurer, you will receive a higher or lower reimbursement in case of disaster.