Multi-risk property and liability insurance

ALLIANZ IMMEUBLE

General provisions

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Your insurance contract consists of:

• The present General Provisions which group together all the common rules applicable to all contracts; they define the nature and extent of your guarantees and assistance services. They also include a glossary grouping the definitions of a number of terms essential for the proper understanding of the contract.
• The Particular Provisions that adapt the contract to your personal situation and specify in particular the guarantees, extensions, options, adaptation clauses, and deductibles you have chosen, which prevail over the General Provisions in case of contradiction between them.
• The Summary Table of guarantee amounts and deductibles attached to your Particular Provisions.
• Possibly, annexes mentioned in the Particular Provisions defining specific guarantees.

Table of contents

1. Insured property (for property damage guarantees) ------------------------ 3
   • I. The property designated in the Particular Provisions of your contract 3
   • II. The contents of the property 3
2. Property damage guarantees -------------------------------------------------------------------------- 4
   • I. Guaranteed events 4
   • II. Financial losses and justified miscellaneous expenses 8
3. Your civil liability guarantees ----------------------------------------------------------------------- 9
   • I. Your civil liability for fire and/or water damage 9
   • II. Your civil liability as a property owner 9
4. Your criminal defense and recourse following an accident ------------------------------------------------ 12
5. Your optional guarantees -------------------------------------------------------------------------------------------- 13
   • I. Machinery breakdown 13
   • II. Building collapse 13
   • III. Civil liability for volunteer property managers 14
6. Property assistance ------------------------------------------------------------------------------------------------------- 15
   • I. Property information hotline 15
   • II. Technical assistance for properties outside of business hours 16
   • III. Prevention assistance 16
   • IV. Intervention limits 17
   • V. Protection of personal data 17
   • VI. Claims 17
   • VII. Prescription 18
7. General exclusions ------------------------------------------------------------------------------------------------ 19
8. The life of the contract ---------------------------------------------------------------------------------------------------------------- 23
   • I. Conclusion, duration, and termination of the contract 23
   • II. Your declarations 25
   • III. The premium 26
   • IV. Particularities 26
   • V. The prescription 31
9. Provisions in case of a claim ------------------------------------------------------------------------------ 33
   • I. What should you do in case of a claim? 33
   • II. How will the insured property be compensated? 33
   • III. What happens when your civil liability guarantees are at stake? 35
   • IV. How are damages evaluated? 36
   • V. Within what time frame will you be compensated? 36
   • VI. What are our rights once we have compensated you? 36

The extent of your guarantees-------------------------------------------------------------------------------------------- 37

Adaptation clauses for specific cases ------------------------------------------------------ 38

Annex I: Information sheet regarding the operation of civil liability guarantees over time --------------------------------------------------------------------- 42

Annex II: Fragonard Assurances confidentiality declaration --------------- 45

Glossary ---------------------------------------------------------------------------------------------------------------------------------- 46

Information sheet ----------------------------------------------------------------------------------------------- 51

INSURED PROPERTY (FOR PROPERTY DAMAGE GUARANTEES)

I. The property designated in the Particular Provisions of your contract

That is to say:

• all buildings including outbuildings, identified by their developed area;
• the installations and real estate improvements subject to the 2nd exclusion that follows;
• the retaining walls essential to the stability of the buildings;
• the boundary walls or fences including gates and portals;
• antennas and satellite dishes.

If the property is classified or registered in whole or in part as a Historic Monument, or is considered a castle or manor, it will only be covered if this declaration is expressly made in the Particular Provisions.

Not insured are:

• Land, trees, and plantations.
• When the contract is taken out on behalf of a condominium association, according to the mention in the Particular Provisions: the installations and real estate improvements located in the private parts of the occupying or non-occupying co-owners (these assets must be covered by a Multi-risk insurance taken out personally by each co-owner). However, this exclusion does not apply to the installations and real estate improvements of non-occupying co-owners in the absence of personal insurance. It also does not apply when the insured has taken out this contract personally as a co-owner, according to the mention in the Particular Provisions.
• Installations and real estate improvements not solidly connected to the insured buildings.
• Terraces other than on roofs and their stairs.
• Pergolas and greenhouses.

Some of these assets may, however, be considered insured if the