Looking for a better insurance?
Guide of insurance
Definition of the contract of insurance
A contract of insurance is a contract between an insurance company and a physical or legal person who envisages the payment of an indemnification by the underwriter in case of survenance of an event guaranteed as the contract.
The counterpart of this benefit is the payment of the bonus of insurance.
The contract is composed of general terms, particular conditions and possible annexes.
Duration of an insurance policy
The duration of insurance contracts is generally one year.
A contract is usually automatically renewed if it is not denounced before the due date or before the anniversary date within the period stipulated in the contract.
Guide of the car insurance
Is the car insurance compulsory?
The law imposes all drivers to be insured as what is commonly called "civil liability".
Insurance "civil liability" guarantees to other people the indemnity of material damage and bodily caused by the driver of the car or by his passengers during an accident.
Conceived to allow the victims of traffic accidents to be always and correctly indemnified, the third-party insurance is compulsory for all drivers, and therefore included in any auto insurance contract.
This auto insurance guarantees compensation for damage and injury that may be caused to third parties by the car driver or passengers in an accident. An auto insurance policy may be limited to this single security or include other safeguards.
In what circumstances to cancel his car insurance?
Several circumstances allow you to cancel your motorised contract of insurance:
• Arrived in annual expiry date of the contract: you must respect the period of notice of three months and send a registered letter with acknowledgement of receipt. You will not be any more covered by this contract in the date of expiry date.
• In case of increase of the bonus of insurance.
• In case of change of vehicle.
• In case of change of situation (move, conjugal regime, professional situation, etc.).
Meanwhile the insurer has also the right to cancel your auto insurance contract, without explanation. He must however respect a notice of 3 months before a date of expiry date, except in the case of an accident caused by the insured while intoxicated, in that case, the insurer can cancel immediately.
The letter of cancellation
So that cancellation takes effect, we recommend you strongly to send your letter of cancellation in registered with acknowledgement of receipt, solution which leaves the proof of your will to cancel.
Download easily a letter of cancellation of your auto insurance contract! You will then be able to personalise it.
Home Insurance Guide (content and local)
Home insurance is an insurance to individual homes and their annexes. Its main goal is to cover local, their content and the liability of its occupants.
Guarantees
Home insurance covers:
1. all damage - unless otherwise stated - accidentally caused to your home and\/or its contents by one of the following phenomena ("basic guarantees"):
• - the fire
• - burning without flame
• - the explosion and implosion
• - The smoke and the soot
• - The storm and the hail, the pressure of the snow or of the ice
• - The damage of waters
• - Dry rot
• - Damage of in the oil
• - The lightning
• - The action of electricity
• - Defrosting
• - The electrocution of domestic animals of animal husbandry or intended for sale
• - The breaking and the crack of windows
• - Conflict
• - Natural disasters
• - Industrial disputes and assassination attempts
2. The property damage due to theft, attempted theft or vandalism.
3. Your liability building. Eg water infiltration in your neighbor because of a water leak in your home, uprooting a tree in your garden damaging the roof of your neighbor ...
The Contract
House insurance generally have one-year contracts that are renewed by tacit agreement to the
anniversary date of the contract.
Guide private liability insurance
Any person may involuntarily cause damage to others. Liability established by law, creates the obligation to repair the damage caused.
You can be responsible:
• damage caused by your own error, by imprudence or by negligence
• acts made by your children under 18 (art. On 1384 al. 4)
• acts made by your housekeepers
• damage caused by to the objects which you keep, that belong to you, whom you borrowed or rented
• damage caused by your animals or by those that you keep
• damage caused by your apartment, your home
What covers personal liability insurance
The role of insurance consists in taking the place of the representative to indemnify the victim.
Failing insurance, the reponsible must compensate the victims himself.
The special right of cancellation:
Notice of cancellation by premium rise
If the insurer raises the premium on grounds of an adaptation clause, without the extent of the insurance cover
changes accordingly, the policy holder can cancel the contract within one month after access of the
communication of the insurer with immediate effect, at the earliest, nevertheless, at the time of the coming into
effect of the rise. The insurer has to point out the policy holder in the communication to the right to cancel. The
communication must shut to the policy holder at the latest one month before the coming into effect of the rise
of the premium.
Definition of the contract of insurance
A contract of insurance is a contract between an insurance company and a physical or legal person who envisages the payment of an indemnification by the underwriter in case of survenance of an event guaranteed as the contract.
The counterpart of this benefit is the payment of the bonus of insurance.
The contract is composed of general terms, particular conditions and possible annexes.
Duration of an insurance policy
The duration of insurance contracts is generally one year.
A contract is usually automatically renewed if it is not denounced before the due date or before the anniversary date within the period stipulated in the contract.
Guide of the car insurance
Is the car insurance compulsory?
The law imposes all drivers to be insured as what is commonly called "civil liability".
Insurance "civil liability" guarantees to other people the indemnity of material damage and bodily caused by the driver of the car or by his passengers during an accident.
Conceived to allow the victims of traffic accidents to be always and correctly indemnified, the third-party insurance is compulsory for all drivers, and therefore included in any auto insurance contract.
This auto insurance guarantees compensation for damage and injury that may be caused to third parties by the car driver or passengers in an accident. An auto insurance policy may be limited to this single security or include other safeguards.
In what circumstances to cancel his car insurance?
Several circumstances allow you to cancel your motorised contract of insurance:
• Arrived in annual expiry date of the contract: you must respect the period of notice of three months and send a registered letter with acknowledgement of receipt. You will not be any more covered by this contract in the date of expiry date.
• In case of increase of the bonus of insurance.
• In case of change of vehicle.
• In case of change of situation (move, conjugal regime, professional situation, etc.).
Meanwhile the insurer has also the right to cancel your auto insurance contract, without explanation. He must however respect a notice of 3 months before a date of expiry date, except in the case of an accident caused by the insured while intoxicated, in that case, the insurer can cancel immediately.
The letter of cancellation
So that cancellation takes effect, we recommend you strongly to send your letter of cancellation in registered with acknowledgement of receipt, solution which leaves the proof of your will to cancel.
Download easily a letter of cancellation of your auto insurance contract! You will then be able to personalise it.
Home Insurance Guide (content and local)
Home insurance is an insurance to individual homes and their annexes. Its main goal is to cover local, their content and the liability of its occupants.
Guarantees
Home insurance covers:
1. all damage - unless otherwise stated - accidentally caused to your home and\/or its contents by one of the following phenomena ("basic guarantees"):
• - the fire
• - burning without flame
• - the explosion and implosion
• - The smoke and the soot
• - The storm and the hail, the pressure of the snow or of the ice
• - The damage of waters
• - Dry rot
• - Damage of in the oil
• - The lightning
• - The action of electricity
• - Defrosting
• - The electrocution of domestic animals of animal husbandry or intended for sale
• - The breaking and the crack of windows
• - Conflict
• - Natural disasters
• - Industrial disputes and assassination attempts
2. The property damage due to theft, attempted theft or vandalism.
3. Your liability building. Eg water infiltration in your neighbor because of a water leak in your home, uprooting a tree in your garden damaging the roof of your neighbor ...
The Contract
House insurance generally have one-year contracts that are renewed by tacit agreement to the
anniversary date of the contract.
Guide private liability insurance
Any person may involuntarily cause damage to others. Liability established by law, creates the obligation to repair the damage caused.
You can be responsible:
• damage caused by your own error, by imprudence or by negligence
• acts made by your children under 18 (art. On 1384 al. 4)
• acts made by your housekeepers
• damage caused by to the objects which you keep, that belong to you, whom you borrowed or rented
• damage caused by your animals or by those that you keep
• damage caused by your apartment, your home
What covers personal liability insurance
The role of insurance consists in taking the place of the representative to indemnify the victim.
Failing insurance, the reponsible must compensate the victims himself.
The special right of cancellation:
Notice of cancellation by premium rise
If the insurer raises the premium on grounds of an adaptation clause, without the extent of the insurance cover
changes accordingly, the policy holder can cancel the contract within one month after access of the
communication of the insurer with immediate effect, at the earliest, nevertheless, at the time of the coming into
effect of the rise. The insurer has to point out the policy holder in the communication to the right to cancel. The
communication must shut to the policy holder at the latest one month before the coming into effect of the rise
of the premium.