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Insurances and banks
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 The comprehensive insurance dwelling (protects you at the time of disasters likely to strike your housing and your furniture. They can have various origins: set fire to, explosion, flight, damage of water, storm, tornado…
It is possible to make correspond a contract: the insurers a long time separately proposed besides an insurance damage of water, a fire insurance.
This system is seldom practised, the comprehensive insurance dwelling (MRH), covers the whole or most of these risks by including complementary guarantees like the civil liability or legal protection. According to insurances', complementary guarantees are granted either automatically, or with the help of an extra premium.
• To terminate a contract of assurance
You wish to put an end to your contract of insurance. Will know first of all that it is not enough to cease paying your contribution to put an end to your contract.
You must follow a rigorous procedure and respect the times recommended either by your contract, or by the law. If you do not observe this procedure, your insurer would have the right to require the payment of the contribution for the year to come, and this, even if you are not guaranteed any more. Since May 1, 1990, the contracts subscribed by private individuals are terminable each year.
The first occasion of cancellation is the principal expiration date. You must warn your insurer of your request for cancellation two months before this date, in letter registered with acknowledgement of delivery.
If the acknowledgement of delivery is not obligatory, it is the only means of being sure that the insurance company received your letter.
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In certain particular cases, the modification of your situation affects the covered risk, you can then ask for the cancellation of your contract apart from the principal expiry.
Il can be thus in the following cases :
You move, You change matrimonial situation (marriage, divorce, death of the spouse, modification of the marriage contract), You change profession, You take your retirement. If you belong to the one of these situations, you must address to your insurer in the three months who follow your change a letter registered with acknowledgement of delivery specifying the nature and the date of the change.
Do not omit especially to join the supporting documents to it. The cancellation will take effect one month after reception of your mail by the insurer who will refund you too much perceived between the date birthday of the contract and the cancellation of this one.
In the event of sale of your housing (or donation), you should not terminate your contract multirisk dwelling before the sale itself. However warn your insurer by letter registered with acknowledgement of delivery of the sale. The day of the sale, the new owner must have a comprehensive insurance valid dwelling for his acquisition.
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• Damage of the eaux
The damage of water is one of the most current disasters. This is why the insurance companies developed a form called “ friendly report damage of water ”
This one makes it possible to facilitate the payment of the allowances and to shorten the times of assumptions of responsibility. Moreover, the insurance companies passed between them of conventions which allow the victims damage water to be compensated directly by their own insurer.
You must address in the five wrought days in accordance with the disaster a letter registered to your insurance company. You will specify your name, first name there, addresses, the apparent cause of the disaster and you will describe the damage observed.
• civil Liability privée
Any person can cause wrong to others involuntarily. Such as it is defined by the law, the civil liability generates the obligation to repair the caused wrong. The sum to be paid is not related on the gravity of the fault or made imprudence: it depends on the importance of the damage.
Thus, the civil liability does not have limits: some must pay all their life for the consequences of their acts if they did not subscribe such a guarantee.
Let us note finally that the responsibility does not depend on the legal majority: that of a minor can sometimes be committed since the made act is the direct cause of the damage.
The role of this insurance consists in replacing you if you would be responsible for a damage to others. Generally this guarantee belongs to your contract multirisk dwelling. You can also also be ensured, but partially, by the means of other contracts.
It only intervenes to cover damage in accordance with involuntary acts caused by your fault by negligence or imprudence, but also for acts made by your children or those of which you have the guard, of the acts made by your employees (cleaning lady, baby-sitter), of the damage caused by your goods (ex: a pot of flowers falls from your balcony and wounds a third) or damage caused by your animals or those which to you are entrusted (ex: your dog degrades the garden of a neighbor).
However, you will not be covered if you voluntarily cause wrong to others. According to courts', there is intentional fault when the policy-holder has not only the will to cause the damage, but also the conscience of the consequences of its act. Example: you give a blow to a badly parked car, or you incite your dog to attack somebody.
In the case of damage caused with oneself and its close relations: those can be guaranteed thanks to an extension of guarantee called “personal liability”. The family public liability insurance applies only to the private life, excluding any occupation de facto
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Insurances and banks
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