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GENERAL PROVISIONS

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Key Points

Thank you for your trust. Throughout the duration of your contract, the Allianz teams will mobilize to meet your expectations.

Your contract consists of several documents:

• General Provisions: these describe the content of the guarantees, options, and additional guarantees that we offer you. They specify the functioning of compensation in the event of a claim as well as the life of your contract.
• Your Specific Provisions: these include your personal declarations. They indicate the effective date of your guarantees and specify the options, additional guarantees, and deductibles you have chosen as well as your premium. They also include specific clauses to adapt the contract to your situation. The Specific Provisions prevail over the annexes and the General Provisions in case of contradiction between them.
• The annexes prevail over the General Provisions in case of contradiction between them.
• The Individual School Annex if you have subscribed to this associated offer, which is mentioned in the Specific Provisions.

1. You adapt your contract

We offer you:

• Essential guarantees to cover your fundamental needs.
• Additional optional guarantees:
  • Ten optional guarantees to meet your specific needs
  • Three additional guarantees for better compensation
  • An associated offer for your children

You can refer to the summary table of guarantees on page 6.

2. Practical services

Find the details of your contract in your client area on allianz.fr. Easily access your contracts and practical information from your Mon Allianz mobile app (available on Apple Store or Play Store).

We make certain documents available to you online through the e-mail service. As soon as a new document is available, you are notified by email or SMS.

Do you want more information? Go to the chapter “The life of the contract,” paragraph IX.8.

To facilitate your reading, this pictogram will help you identify useful information.

For more information about our products

You can visit our website: www.allianz.fr
You will find standardized numerical examples of coverage for certain claims.

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Table of Contents

• Practical guide to compensation --------------------------------------------------------------------------- 3
• The most common situations ----------------------------------------------------------------------------- 4
• A modular offer according to your needs ------------------------------------------------------------------ 6
• Or a packaged offer to guarantee the essentials ------------------------------------------------ 7
• Levels of guarantees ---------------------------------------------------------------------------------------------- 8
• Main definitions --------------------------------------------------------------------------------------------------- 9
• Insured property for Property Damage guarantees -------------------------- 10
  • I. Your home designated in the Specific Provisions of your contract 10
  • II. The contents of your home 10
• The guarantees -------------------------------------------------------------------------------------------------------------------- 11
  • I. Property Damage guarantees 11
  • II. Additional costs 19
  • III. Liability guarantees 20
  • IV. Assistance 25
• Options meeting your specific needs ---------------------------------------------- 35
  • I. Electrical damage 35
  • II. Breakdown solutions (option not available for new subscriptions) 35
  • III. Legal protection (option not available for new subscriptions) 39
  • IV. Outdoor installations 46
  • V. Swimming pool 47
  • VI. Renewable energies 48
  • VII. Travel assistance 49
• Additional guarantees ---------------------------------------------------------------------------------------------- 54
  • I. Replacement with new 54
  • II. Loan reimbursement 54
  • III. Financial losses 54
• General exclusions ---------------------------------------------------------------------------------------------- 55
• The life of the contract ------------------------------------------------------------------------------------------------------------- 59
  • I. International sanctions 59
  • II. Applicable law to the insurance contract 60
  • III. Conclusion, duration, and termination of the contract 60
  • IV. Your declarations 63
  • V. Declaration of your other insurances 64
  • VI. The premium 64
  • VII. How do the limits of guarantees and your premium vary? 65
  • VIII. Prescription 65
  • IX. Particularities 66
  • X. Also note 68
• Provisions in case of a claim ------------------------------------------------------------------------------------ 74
  • I. What should you do in case of a claim? 74
  • II. What happens when your liability guarantees are at stake? 75
  • III. How will the insured property be compensated? 77
  • IV. Within what time frame will you be compensated? 81
  • V. What are our rights once we have compensated you? 82
• The extent of your guarantees ------------------------------------------------------------------------------------------ 83
  • I. Where do your guarantees apply? 83
  • II. Guarantee period 83
  • III. Your insurance in case of a change of residence 83
• Table of guarantee amounts and deductibles --------------------------------------- 84
• Definition of means of protection against theft ---------------------------------------------- 88
• Clauses for adapting to specific cases ----------------------------------------------------- 89
• Annex 1: Information sheet on the functioning of liability guarantees over time --------------------------------------------- 95
• Annex 2: Subscription of the contract via the internet - Proof agreement - 98
• Annex 3: Subscription of the contract by phone then validation via the internet - Proof agreement ------------------------------------------------------------------------ 99
• Annex 4: Confidentiality declaration of AWP P&C ------------------------------------ 100
• Glossary -------------------------------------------------------------------------------------------------------------------------------- 104

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PRACTICAL GUIDE TO COMPENSATION

Claim declaration

You have 5 working days to declare your claim. This period is extended to 30 days in the event of natural disasters, starting from the publication in the official journal of the decree recognizing the state of natural disaster.

To save time, make your declaration via your client area or via Mon Allianz mobile. You can also contact your usual advisor at the number they provided, or your claims advisor at 0978 978 000 (toll-free number, cost varies by operator, available 24/7).

In case of theft or vandalism, you must make your declaration within 2 working days from the moment you become aware of it.

Compensation

The compensation for the contents of your home is calculated based on the amount of the movable capital you have estimated. This amount is included in your Specific Provisions.

Our advice: take great care in estimating your movable capital. In case of doubt regarding valuable items (furniture worth more than 8,000 euros and jewelry), do not hesitate to have them appraised.

The contents of your home consist of furniture, clothing, equipment, and valuable items. We consider that animals are also included.

We advise you to keep your purchase invoices in a safe place to easily justify the losses incurred. You can also take photos of the interior of your home and keep them in a secure location where you can easily access them in case of a claim. However, in cases of minor claims, you do not need to provide justifications: we will assess the amount of your compensation together. If you have chosen a deductible, we will deduct this amount from your compensation. This deductible is provided for in the Specific Provisions of your contract. Be aware that for certain specific events, there are also specific deductibles detailed in the chapter “Table of guarantee amounts and deductibles.”

4. THE MOST COMMON SITUATIONS

The most common situations

We compensate you based on the damages incurred, according to your contract. Moreover, Assistance supports you in many situations, especially in emergencies. Call Assistance at 01 40 25 52 95 (available 24/7) first before incurring any expenses. Find all the details on the levels of the Assistance option in the chapter “The guarantees,” paragraph IV.

There was a fire in my home

Our assistance teams organize and cover temporary accommodation if your home is uninhabitable. You also receive a sum of money to buy clothes and essential products.

A storm destroyed my home

In case of severe weather, our assistance teams organize and cover temporary accommodation, tarping your roofs, moving and storing your furniture, cleaning your home, all without having to advance any money.

Lightning damaged my electrical appliances

Following a violent storm or a surge in the electrical network, your television no longer works or you lost the contents of your freezer? With the Electrical Damage option, we compensate you.

I was robbed

Remember to file a complaint with the police or gendarmerie and declare your claim within 48 hours from the moment you become aware of it. Even faster: file a pre-complaint online at the following address: www.pre-plainte-en-ligne.gouv.fr

With Assistance, we organize the securing of your home, such as guarding it and your return if you are not on-site.

I have water damage

A leak from a pipe or your hot water tank? Assistance allows you to benefit from the intervention of a plumber to stop the leak. Assistance covers the plumber's travel and labor costs. However, the parts to be replaced are your responsibility. We cover these damages according to the terms and conditions provided in your contract.

5. THE MOST COMMON SITUATIONS

How am I insured if I cause damage outside my home?

The private life liability guarantee also protects you outside your home. For example, if you broke your friend's crystal vase at a party, your dog bit a neighbor, or your child injured a classmate: we cover the material and bodily damages caused to others and ensure the defense of your interests if necessary. Find all the information in the chapter “The guarantees,” paragraph III.4.

Am I assisted if I am a victim of an accident caused by someone else?

If you are bitten by your neighbor's dog, for example, we assist you in making an amicable or judicial claim against the responsible party for the damage you suffered. If a lawyer is necessary, we cover their fees as well as any procedural costs. Refer to the chapter “The guarantees,” paragraph III.5.

What is the purpose of the Individual School Annex, if you subscribed to it?

It protects your child if they are a victim of an accident at school, during a school trip, or during their leisure activities. We compensate them based on the severity of their injuries. In case of immobilization at home or in the hospital for more than 15 days, they can benefit from home schooling. This guarantee is requested by the school, especially for optional activities organized by the school: trips and outings.

Can I request the replacement of my damaged electronic devices or appliances with refurbished devices?

Yes, you can choose to replace one or more of your damaged devices with refurbished devices of the same type (subject to availability). By making this choice, you will reduce your environmental footprint.

What should I do if my home changes?

For example, if you convert a garage, build a conservatory, or buy a work of art... this may impact your insurance. We advise you to contact your commercial advisor. Your compensation may be reduced if you do not request the adaptation of your contract.

Any room larger than 9 m² counts as a main room. It must be a room designated for living or leisure. It is neither a water room (kitchen, bathroom) nor a service room (entrance, hallway, clearance, toilet, pantry, laundry room, dressing room, boiler room, cellar, garage). A room larger than 40 m² counts as two rooms. For more information, find the complete definition of a main room in the glossary at the end of these General Provisions.

What measures should I take when I am away in winter?

If you are absent for more than 15 consecutive days between November 15 and March 15, and your home is not heated, you must:

• Shut off the water
• Drain the pipes, tanks, appliances, and central heating installations.

Indeed, if your property is damaged because you did not take these precautions against freezing, the amount of your compensation will be reduced by 30% if it is your primary residence, or by 50% if it is your secondary residence.

6. A MODULAR OFFER ACCORDING TO YOUR NEEDS

A modular offer according to your needs

(1) These guarantees have several levels. Refer to the next page for more details.

Guarantees

• Basic

• Options, at your choice

• Additional guarantees, at your choice

• Associated offer sold separately

• Fire

• Storm, snow, hail

• Water damage

• Terrorism

• Natural and technological disasters

• Criminal defense and recourse following an accident

• Property taken on trips and vacations

• Civil liabilities:

  • Fire
  • Water damage
  • Private life
  • Travel
  • Family parties
  • Property owner

• Theft and vandalism(1)

• Breakage of glass or other property(1)

• Assistance (1)

• Swimming pool

• Renewable energies

• Travel assistance

• Electrical damage

• Outdoor installations

• Replacement with new

• Loan reimbursement

• Financial losses

• Individual school

7. OR A PACKAGED OFFER TO GUARANTEE THE ESSENTIALS

Or a packaged offer to guarantee the essentials

(1) These guarantees have several levels. Refer to the next page for more details.

Guarantees

• Basic

• Options, at your choice

• Fire

• Storm, snow, hail

• Water damage

• Terrorism

• Natural and technological disasters

• Criminal defense and recourse following an accident

• Property taken on trips and vacations

• Civil liabilities:

  • Fire
  • Water damage
  • Private life
  • Travel
  • Family parties
  • Property owner

• Theft and vandalism(1)

• Breakage of glass or other property(1)

• Assistance (1)

8. LEVELS OF GUARANTEES

The levels of guarantees

Here are some examples to understand Assistance:

• Assistance level 1: in case of a claim, we offer the guarding of your home if you are not on-site, temporary relocation, and the coverage of a locksmith in case of lost keys or if the keys are left at home.

Assistance

Assistance level 2

• In case of moving, we offer assistance with your administrative procedures and domestic help.
• When your child is sick, we organize and cover the costs of childcare.

Assistance level 3

• We put you in touch with craftsmen if you wish to carry out work.
• We organize the verification of quotes by one of our specialists.
• We cover your energy diagnostics.

To know the conditions of these levels of Assistance, refer to the chapter “The guarantees,” paragraph IV.

Theft and vandalism

Level 1

• Theft inside the home and vandalism.

Level 2 (includes level 1)

• Theft outside the home.

Breakage of glass or other property

Level 1

• Breakage of glass.

Level 2 (includes level 1)

• Breakage of other property.

Assistance

Level 1

• Assistance in case of an accident at home.

Level 2 (includes level 1)

• Daily assistance (moving...).

Level 3 (includes levels 1 and 2)

• Assistance in case of work and diagnostics.

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MAIN DEFINITIONS

Find other definitions in the glossary at the end of the document.

Insured

For all guarantees:

• Refers to the subscriber or possibly the beneficiary of the insurance.
• Also refers in case of cohabitation, to the cohabitants of the subscriber if they are designated in the lease of the insured home.

In this case, the guarantees provided in the chapter “The guarantees” of these General Provisions, except for theft and breakage outside the home (level 2 of the Theft and vandalism guarantee and the Breakage of glass or other property guarantee) as well as the option “Electrical damage” benefit, if subscribed, all other cohabitants declared in the lease.

For the Civil liability guarantees and Criminal defense and recourse following an accident, it also includes:

• Any person living in your household, including minor children occasionally hosted.
• Your single children and/or those of your spouse (or the person you live with) not living in your household if they are pursuing their studies and are financially dependent on you or if they are physically and/or mentally disabled.
• Any person voluntarily caring for your children or pets if their responsibility is sought due to this care.
• Your spouse (or partner) when they reside in a nursing home.

Main room

• Any living room larger than 9 m².

A living room is understood to be: a room designated for living or leisure, including verandas, mezzanines, and separated rooms. It is therefore neither a water room (kitchen, bathroom) nor a service room (entrance, hallway, clearance, toilet, pantry, laundry room, dressing room, boiler room, cellar, garage).

A veranda is understood to be: a room with a roof and glazed walls.

A separated room is understood to be a room not contiguous to the living quarters located in the building or in an annex building. The separated room in the building or the annex building must not, either, be equipped with a kitchen.

• Any room larger than 40 m² counts as two rooms.
• If your home is:
  • a mobile home or a fixed caravan, all rooms used for living must be considered regardless of their size.
  • a loft: if there are one or more partitioned rooms, apply the same rules as above. For non-partitioned spaces, count one main room for every 40 m².
• The area is measured from wall to wall, including the area of closets.

Claim

Event that has caused damage likely to engage our guarantee.

For accidental environmental damage and ecological harm: any damage or set of damages, engaging your responsibility, resulting from a harmful act and having led to one or more claims constitutes a claim.

The claim is linked to the insurance year during which we received the first claim or you received it.

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INSURED PROPERTY FOR PROPERTY DAMAGE GUARANTEES

I. Your home designated in the Specific Provisions of your contract

That is to say:

• Your residential premises and their dependencies.
• The interior installations and fittings of these premises.
• The motors and electrical installations located outside these premises, including air conditioning units, heat pumps, geothermal and aerothermal installations.
• The retaining walls of your residential premises and their dependencies.
• The stairs and terraces adjoining the residential premises as long as their supporting structure is anchored in masonry bases.
• The antennas and satellite dishes.
• The fences including doors and gates.

If you are a co-owner, your share in the common areas of the building is also guaranteed in the absence or total or partial failure of the insurance contract taken out by the property manager or the co-ownership association.

Note, may also be guaranteed if you have chosen the corresponding option and it is included in the Specific Provisions:

• Solar tiles and solar panels (including photovoltaic) whether fixed to buildings or on the ground, wind turbines, with the “Renewable energies” option.
• Trees and certain outdoor installations such as septic tanks, pergolas not attached to the home, greenhouses, tennis courts with the “Outdoor installations” option.
• Swimming pools, their shelters, heat pumps, and technical rooms with the “Swimming pool” option.

If your home constitutes a “Large Risk,” it will only be covered if mentioned in the Specific Provisions.

II. The contents of your home

It includes, regardless of ownership, all furniture, equipment, clothing, and objects located in the insured premises including:

• Animals.
• Motorized vehicles (e.g., children's toys...) whose maximum authorized speed cannot exceed 8 km/h, motor cultivators and riding mowers (maximum power 20 HP), robotic lawn mowers, as well as wheelchairs, electric or not, of disabled persons.
• Valuable items.
• Cash and valuables.

Exclusions

What is not guaranteed under the contents of your home:

• Motor vehicles including personal mobility devices (PMDs) (other than those designated above).
• Trailers over 750 kg.
• Caravans and their contents.
• Property belonging to tenants or subtenants if you are a furnished landlord.

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THE GUARANTEES

I. Property Damage guarantees

If you have chosen them in the Specific Provisions, you benefit from the following guarantees for your insured property:

1. Fire and similar events

We guarantee material damages resulting from one of the following events:

• A fire, explosion, or implosion, accidental release of smoke.
• The fall of lightning.
• The effects of electric current or lightning on electrical supply installations.
• The impact of an aerial or space vehicle, or objects falling from them, or a meteorite.
• The impact of a land vehicle whose driver or owner is neither yourself, nor your spouse, nor your partner in a civil solidarity pact (PACS), nor your cohabitant, nor your children who are insured under this contract or your employees.
• The shaking caused by the breaking of the sound barrier by an aircraft.

We also guarantee the damages caused to the contents of your home.

Exclusions

We do not guarantee under the Fire and similar events guarantee, in addition to the general exclusions:

• Damages caused by lightning to electrical and/or electronic devices (these damages are covered by the “Electrical damage” option).
• Damages caused to valuable items and cash and valuables located in the immediate vicinity of your home in case of fire or other similar event originating from the insured premises.

Preventive measures for your home: your obligations

You must have the chimneys, boilers, wood stoves, and inserts of your home cleaned annually by a professional.
If it turns out at the time of a claim that this measure has not been respected for 2 years and that the lack of cleaning is the cause of it, the general deductible of your contract is multiplied by 5. In case of absence of a general deductible, a deductible of 380 € applies.

2. Storm, hail, snow

We guarantee material damages to your insured property caused by:

• the direct action of the wind or the impact of an object overturned or projected by the wind,
• the fall of hail,
• the weight of snow (or ice) falling on roofs, gutters, and downspouts or on trees causing their total or partial fall on the insured property.

These phenomena must have an intensity such that they destroy, break, or damage a certain number of well-constructed buildings in your municipality or neighboring municipalities.

• avalanches.

We also guarantee damages caused by rain, snow, or hail entering the insured premises due to their partial or total destruction by the direct action of the wind, hail, or snow on the roofs when they occur within 72 hours following this destruction.
Note: damages occurring within 72 hours following the moment when the insured property suffered the first damages constitute the same claim.

Exclusions

We do not guarantee under the Storm, hail, snow guarantee, in addition to the general exclusions:

• Damages caused by the action of the wind:
  • to garden shelters whose load-bearing elements are not anchored in foundations, footings, or buried masonry bases,
  • to buildings not fully enclosed and covered as well as their contents unless they are garages or lean-tos/pergolas attached to residential premises or barns/carports, whose load-bearing elements are anchored in foundations, footings, or buried masonry bases.
• Damages to vegetative fences.
• The breakage of glazed elements or plastic materials fulfilling the same functions as these elements if it does not result from the total or partial destruction of the buildings (these damages are covered by the Breakage of glass or other property guarantee).
• Damages covered by the Natural disasters guarantee governed by article L125-1 of the Insurance Code.
• Aesthetic damages (scratches, abrasions, chipping, or defects in appearance) of glazed elements or elements in plastic material fulfilling the same functions as these glazed elements.

3. Water damage

We guarantee material damages to your insured property caused by water when they result from one of the following events:

• leaks, breaks, overflow of internal pipes, water effect appliances (such as washing machines, dishwashers, aquariums…) and heating, gutters, and downspouts,
• leaks, breaks, overflow of external buried or non-buried pipes for damages caused by water inside the home,
• infiltrations through roofs, skylights, terraces, and balconies functioning as a cover, sealing joints around sanitary installations or tiles,
• infiltrations through walls and facades.

Upon the occurrence of a claim, the guarantee will be suspended by operation of law and will only resume its effects once you have carried out the repair and sealing work on the walls and facades.

• floods caused by overflows or backflows from sewers and underground pipes, runoff water, even in case of a storm, from streams, gardens, public or private roads, overflows from watercourses or bodies of water, groundwater,
• overflows and breaks of containers,
• freezing of pipes, heating appliances, and other heating installations located inside the insured premises. We also cover damages caused by freezing to these pipes, heating appliances, and other heating installations.

We also guarantee:

• damages caused by any other liquid than water in case of breakage of supply pipes or storage tanks serving the heating appliances and installations,
• any event other than those listed above to the extent that the responsibility lies with an identified third party against whom we can exercise recourse,
• water entries through doors or windows for damages caused solely to property belonging to neighbors,
• the costs of searching for leaks or water infiltration,
• for leak searches conducted inside the home, the costs of restoring damaged property due to the leak search if the cause of the claim is guaranteed.

Exclusions

We do not guarantee under the Water damage guarantee, in addition to the general exclusions:

• Repair costs (except in case of freezing as indicated above), unblocking, cleaning of pipes, taps, appliances, water installations including heating and heating appliances.
• Repair and restoration costs for roofs, walls (except for interior partitions), facades, gutters, and downspouts, unless these costs were incurred following damages caused by runoff water or flooding.
• Damages caused by humidity, condensation, or steam unless they are due to a guaranteed event.
• Damages or aggravation of damages resulting from the partial or total absence of sealing joints around sanitary installations and tiles.
• The cost of lost water or any lost combustible liquid.
• Damages that fall under the Storm, hail, snow, and Natural disasters guarantees.
• The costs of leak searches conducted on external pipes (for buried private water supply pipes outside the home, these costs are covered under the “Outdoor installations” option).

Preventive measures against freezing: your obligations

From November 15 to March 15, when the insured premises are unoccupied for more than 15 consecutive days, you must (to the extent that the installations are under your control) and if the premises are not heated:

• stop the water supply,
• drain and purge the pipes, tanks, appliances, and central heating installations not equipped with sufficient antifreeze.

Non-compliance with these preventive measures

If your property is damaged because these precautions were not taken (unless, of course, a case of force majeure prevented you), the compensable amount due for this claim will be reduced by:

• 30% if the insured home is a primary residence,
• 50% if the insured home is a secondary residence.

4. Theft and vandalism

Subject to the application conditions below, and according to the level of guarantees you have chosen.

Specific provisions, we guarantee:

a. Level 1

• the duly proven theft of insured property committed inside your residential premises and their dependencies,
• the destruction or deterioration caused to insured property resulting from this theft or attempted theft,
• acts of vandalism committed inside your residential premises and their dependencies, but also on the exterior parts of the home.

We also guarantee:

• the costs of reconstituting identity papers (identity card, passport, driving license) if they were stolen during the theft,
• the costs of identical replacement:
  • of keys and locks in case of theft or loss of keys to your residential premises,
  • of keys and locks of your vehicle as long as these keys are stolen inside your home and we insure your vehicle,
• the duly proven theft of insured property committed by your domestic employees, provided that a named complaint is filed against them and is not withdrawn without our consent.

Exclusions

We do not guarantee under the Theft and Vandalism guarantee, in addition to the general exclusions:

• In dependencies and verandas:
  • valuable items as well as cash and valuables,
  • other property when these dependencies do not have a solid door equipped with a locking point (locking system with a key except for padlocks, or electromagnetic locking system).
• The theft of living animals.
• Thefts and damages committed by a person living in the home, your ascendants, your descendants, your spouse/partner, or with their complicity.
• The disappearance, destruction, deterioration:
  • of property deposited in common premises shared by several occupants,
  • occurring in the event of evacuation of your home ordered by the authorities or necessitated by acts of war or civil unrest.
• Thefts resulting from the absence of locking a door to the home or the absence of closing a window unless you, or a person authorized by you, are present in the residential premises at the time of the theft.
• Thefts originating from keys left in the door or under the doormat or in the mailbox, or in a flower pot, or originating from the failure to change locks following a previous theft or following the loss of keys prior to the theft.
• The consequences of a breach of trust or fraud that led the insured to voluntarily hand over one or more goods to a third party.

Conditions for applying your Theft/Vandalism guarantee

• Circumstances of the attempted theft or theft
  You must establish by all means the circumstances of the attempted theft or theft.

• Occupation of your home
  The Theft/Vandalism guarantee is available to you regardless of the duration of unoccupancy. However, the Theft/Vandalism guarantee is suspended for valuable items (jewelry, precious stones, fine or cultured pearls, solid precious metal items):

  • if your home is a primary residence: during unoccupancy periods beyond the 91st day of unoccupancy per insurance year,
  • if your home is a secondary residence: during all unoccupancy periods.
    This suspension does not apply if your home is equipped with a security system accepted by Allianz in effective working order at the time of the claim.

• Deposit of your home keys in a key safe
  If you store the keys of the home in a key safe and the theft protection level indicated in the Specific Provisions of your contract is N2 or higher, the compensation amount for your insured property is capped at the amount indicated in the chapter “Table of guarantee amounts and deductibles” of these General Provisions.

• Protection and prevention measures for your home

  • You must equip your home with protection means corresponding at least to the protection level indicated in your Specific Provisions and whose definition is included in the chapter “Definition of means of protection against theft.”
    In case of a claim, if the actual protection level of your premises turns out to be lower than that required, the compensable amount due for this claim will be reduced by 50%, provided there is a causal link between the claim and the non-compliance with the required protections.

  • You must, during any absence (except in cases of force majeure), close the shutters/blinds or activate your intrusion detection system, security system, or any other alarm system, if these protection means are required by the level required in your Specific Provisions.
    However, it is tolerated that the shutters or blinds remain open when you are absent for less than 24 consecutive hours. Similarly, it is tolerated that the intrusion detection system, security system, or any other alarm system is not activated if you are absent for less than 12 consecutive hours.
    If you do not comply with these preventive measures, the compensable amount due in case of a claim will be reduced by 50% if the absence of their implementation is the cause of a theft, attempted theft, vandalism, or facilitated them.

b. Level 2

Our guarantee as defined for level 1 is extended to the theft, outside your residential premises, of the following movable property as long as you own them or they belong to a person living in your household:

• electrical and electronic devices (including computer, audiovisual, photographic, telecommunication, and multimedia equipment),
• sports and leisure equipment,
• personal effects,
• cash and valuables,
• luggage and their contents.

Note:

• A complaint filed within 48 hours of discovering the theft is mandatory for the guarantee to apply.
• Our guarantee is limited to two claims per insurance year.

Exclusions

We do not guarantee under the Theft and Vandalism guarantee, in addition to the general exclusions and those provided for level 1:

• The loss or unexplained disappearance.
• Valuable items.
• Goods stored in a collective space.
• The theft of bicycles in public spaces in the absence of a locking device connecting the frame and the rear wheel to a fixed point.
• Motorized land vehicles and their equipment and accessories, whether listed in the manufacturer's catalog or not.
• Trailers and caravans.
• The costs of renewing payment means.
• The reconstruction of computer files present in the stolen equipment.
• Cash, valuables, and goods acquired and/or transported for professional purposes.

5. Breakage of glass or other property

We guarantee the accidental breakage of the goods listed below, according to the level of guarantees you have chosen in the Specific Provisions:

a. Level 1

Covered are glass products (or plastic materials fulfilling the same functions) constituting:

• the fence or cover of your home,
• interior doors and partitions,
• guardrails and separating walls of balconies,
• verandas and awnings,
• mirrors fixed to walls,
• glass that is part of a piece of furniture including aquariums and table tops.

Our guarantee is extended to glass products of household appliances, inserts, and closed fireplaces. To the extent that the breakage of glass affects the protection of your home, we also reimburse the costs of temporary fencing.
If you are a tenant, this guarantee also covers the goods listed above, which belong to you or are rented to you.

Exclusions

We do not guarantee under the Breakage of glass guarantee.

16 THE GUARANTEES

b. Level 2

Our guarantee as defined for level 1 is extended to material damages caused to the goods designated below following an accidental breakage occurring inside or outside your residential premises and resulting from a fall or impact with another object, including during transport.

The following goods are insured as long as you own them or they belong to a person living in your household:

• electrical and electronic devices (including computer, audiovisual, photographic, telecommunication, and multimedia equipment),
• sports and leisure equipment,
• furniture and their contents,
• sanitary appliances,
• glass products constituting the floors and interior stairs.

If you move, the above goods are insured during the move. In the case where your move is carried out by a professional, we will only intervene for the part not compensated by them or their insurer and provided that you send them within the deadlines specified in the moving contract, a registered letter documenting your claim and the nature of the damages incurred.

Exclusions

We do not guarantee under the Breakage of glass or other property guarantee, in addition to the general exclusions and those provided for level 1:

• Damages resulting from:
  • a use of the goods not in accordance with the manufacturer's instructions,
  • a design or manufacturing defect, mechanical breakage or mechanical failure,
  • wear and tear, oxidation, corrosion, or rust.
• Damages falling under the legal or contractual guarantee of the manufacturer, seller, or installer.
• Damages falling under a maintenance or complete service contract that you have subscribed to.
• Damages caused to the following goods:
  • ornaments,
  • decorative objects,
  • valuable items,
  • children's toys, lawn mowers and cultivators, any type of boats (including windsurfing boards), aerial navigation devices (including drones, model aircraft, and hang gliders),
  • motorized land vehicles and their equipment,
  • trailers and caravans,
  • goods made from textile fibers, weaving, or braiding,
  • operating mechanisms of sanitary appliances and tap or drainage systems,
  • bottles of wine and spirits,
  • pottery and glassware transported in luggage or packages.
• Damages caused to the contents of the aquarium (plants, fish, and other animals).
• The reconstruction of damaged computer files.

Accidental breakage may also be guaranteed:

• of solar tiles and solar panels (including photovoltaic) with the “Renewable energies” option,
• of swimming pool shelters with the “Swimming pool” option.

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6. Terrorism (article L126-2 of the Insurance Code)

We guarantee:

• within the same deductible limits and ceilings as those of the Fire guarantee, the direct material damages suffered on national territory by the insured property against fire and resulting from a terrorist act or act of terrorism (as defined in articles 412-1, 421-1 and following of the Penal Code).

This guarantee is automatically granted to you if you have subscribed to the Fire guarantee for property located on national territory.

Exclusions

We do not guarantee under the above events, in addition to the general exclusions:

• The costs of decontaminating debris, their confinement, as well as the costs necessary for these operations.
• under the conditions and limits provided for each guarantee, the direct material damages suffered by the insured property resulting from riots, popular movements.

7. Natural disasters (articles L125-1 and following of the Insurance Code and their implementing texts)

If the regulations were to revise the applicable provisions regarding natural disaster guarantees, these would be deemed modified automatically upon their entry into force.

Insurance contracts, subscribed by any natural or legal person other than the State and guaranteeing damages from fire or any other damages to property located in France, notably one of the following guarantees:

• Storm,
• hail,
• snow / Water damage / Theft and vandalism / Breakage of glass

entitle the insured to coverage against the effects of natural disasters, including those from ground subsidence due to underground cavities and quarries on the property covered by such contracts.

The underground cavities considered may be natural or of human origin.

We guarantee the monetary repair of non-insurable direct material damages caused by the abnormal intensity of a natural agent or also, for differential ground movements resulting from drought and soil rehydration, the abnormal succession of significant drought events, when the usual measures to prevent such damages could not prevent their occurrence or could not be taken.

This guarantee applies to all property covered by the contract up to their value set in the Specific Provisions or in the “Table of guarantee amounts and deductibles” and within the limits and conditions provided by these General Provisions.

However, for damages caused by the differential ground movements mentioned in the third paragraph of article L125-1 of the Insurance Code, the guarantee is limited to damages likely to affect the solidity of the building or hinder the normal use of the building.

Damages not presenting these characteristics at the time of the observation of the disorders are also covered by the guarantee as long as they are likely to evolve unfavorably and affect the solidity of the building or hinder the normal use of the buildings.

The conditions for implementing this guarantee, notably the nature of the covered damages and the compensation modalities apply in accordance with Decree No. 2024-82 of February 5, 2024 or any subsequent text that would replace or modify it. These are described in the chapter of these “In what time frame will you be compensated - in case of natural disaster claims.”

The Natural disaster guarantee can only be invoked after the publication in the Official Journal of the French Republic of a ministerial decree recognizing the state of natural disaster as well as the nature of the damages resulting from it covered by the Natural disaster guarantee.

The conditions for invoking this guarantee are verified by us.

Are also guaranteed upon presentation of supporting documents in addition to direct material damages to the insured property:

• the reimbursement of the cost of geotechnical studies rendered necessary for the restoration of constructions affected by the effects of a natural disaster,

• the costs of architects and project management associated with the restoration of constructions affected by the effects of a natural disaster, when these are necessary,

• the fees of safety and health protection coordinators, the fees of technical controllers as well as the costs of technical study offices when their intervention is made mandatory.

• the costs of demolition and removal of the property guaranteed by the contract (real estate and movable property listed in the chapter “Insured property for Property Damage guarantees”) damaged by the claim,

• the rescue measures,

• the insurance premium “Damage Work” if this insurance is mandatory,

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• the costs of bringing into compliance or restoring to standards after a claim,

• the emergency relocation costs strictly necessary due to the repair work of damages caused by a natural disaster as defined in article L125-1 of the Insurance Code, if the damaged residence you occupy is your primary residence.

• You have not subscribed to the Assistance guarantee of this chapter, paragraph IV or the event is a drought subject to a ministerial decree recognizing the state of natural disaster as defined in article L125-1 of the Insurance Code, and your primary residence is rendered uninhabitable for reasons of safety, health, or hygiene: we cover the relocation costs, for a period of 5 days from the date of declaration of the claim at a rate of 80 euros per day per occupant (articles D125-4-3 and A125-5 of the Insurance Code).
  If you cannot return to your home after this initial 5-day period, we then cover the additional relocation costs for a maximum duration of six months, starting from the first day of relocation, and within the limit of the duration necessary for the restoration of the home, determined if necessary by an expert report.

• You have subscribed to the Assistance guarantee of this chapter, paragraph IV, and your primary residence is rendered uninhabitable for reasons of safety, health, or hygiene, the relocation costs are covered under the Assistance guarantee “Specific services in case of bad weather”:
  If you cannot return to your home after the intervention of the Assistance guarantee, we then cover the additional relocation costs for a maximum duration of six months, starting from the first day of relocation covered by the Assistance, and within the limit of the duration necessary for the restoration of the home, determined if necessary by an expert report.

Modalities for covering relocation costs:

– For owner-occupants, we guarantee these costs up to the rental value of the damaged residence, determined by expert opinion.
– For tenants and occupants free of charge, we guarantee these costs up to the amount of rents paid including charges or, failing that, the rental value of the damaged residence, determined by expert opinion.
– For tenants whose lease has ended due to the claim, we cover the additional cost incurred by relocation under comparable conditions, compared to the amount of rents paid including charges for the damaged residence and within the limit of 3 months.
This coverage is provided upon presentation of supporting documents proving the materiality and amount of the expenses incurred.
You cannot claim cumulatively for financial assistance granted by the State to cover the same expenses.

Deductible

Notwithstanding any contrary provision, you retain a portion of the indemnity due after the claim.
You cannot take out any insurance for the portion of the risk constituted by the deductible whose amount is set by ministerial decree.
For residential property and other non-professional use property, the amount of the deductible is set at 380 €, except for damages attributable to differential ground movements resulting from drought and/or soil rehydration, for which the amount of the deductible is set at 1,520 €.
The amount of the deductible is applied to the total damages caused to the property covered by the same contract.
In case of modification by regulations of these deductible amounts, the new amounts will apply automatically upon their entry into force.

Exclusions:

We do not guarantee under the Natural disasters guarantee:
– In the case of underground cavities of human origin, damages resulting from the past or ongoing operation of a mine are excluded.
– Buildings constructed on land classified as unbuildable by a plan for preventing foreseeable natural risks approved under the conditions set by the provisions of chapter II of title VI of book V of the Environmental Code, except for property and activities existing prior to the publication of this plan (article L125-6 of the Insurance Code).
– Real estate properties constructed and activities carried out in violation of the administrative rules in force at the time of their establishment aimed at preventing damages caused by a natural disaster (article L125-6 of the Insurance Code).

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– In accordance with article L125-7 of the Insurance Code, are excluded from the benefits of the guarantees provided for in article L125-1 of the Insurance Code for non-insurable direct material damages having as predominant cause differential ground movements resulting from drought and soil rehydration:
• buildings constructed without a building permit when this is required under article L421-1 of the Urban Planning Code;
• for a period of ten years following the acceptance of the works under article 1792-6 of the Civil Code, buildings subject to the provisions of articles L132-4 to L132-8 of the Construction and Housing Code, and for which the building permit was applied for after January 1, 2024, if the project owner or property owner cannot justify at the time of the claim the submission of the certificate mentioned in 3° of article L122-11 of the Construction and Housing Code.
– Under article R125-7 of the Insurance Code, damages occurring on constructions constituting annex elements to the parts for residential or professional use are excluded from the scope of the guarantee: sheds, garages and parking lots, terraces, exterior walls, greenhouses, playgrounds, or swimming pools and their related architectural elements, unless these elements are indissociably linked to the works of viability, foundation, framework, enclosure, or cover.

8. Technological disasters (articles L128-1 to L128-4 of the Insurance Code)

Insurance contracts subscribed by any natural person outside their professional activity entitle the insured to coverage for damages resulting from technological disasters affecting the property covered by these contracts.
We guarantee the monetary repair of material damages caused to the insured property resulting from the state of technological disaster in accordance with the law and within the limits of the insurance coverage established by articles L128-1 and following of the Insurance Code.
The guarantee can only be invoked after the publication in the Official Journal of the French Republic of the decision of the administrative authority recognizing the state of technological disaster.
This guarantee is automatically granted to you if you have subscribed to the Fire guarantee or any other damages for property for residential use or placed in premises for residential use located in France.

9. Property taken on trips-vacations

The Property Damage guarantees you have subscribed to also apply to your effects and personal items in case of damages occurring during a leisure stay.

Place of residence

Exclusions

What is not guaranteed:

• Valuable items and cash and valuables.

II. Additional costs

In addition to the material damages caused to the insured property by one of the events covered under the Fire and similar events, Storm, hail, snow, Terrorism, or Water damage guarantees, we cover the following justified additional costs following a guaranteed claim:

• The costs incurred by rescue, relocation, or destruction measures taken to stop, contain, or limit the extent of the guaranteed claim (or a claim occurring in the property of others).
• The costs of demolition, removal, and disposal necessary for the restoration of damaged insured property. This guarantee is extended to the costs of disposal of property belonging to a neighbor, fallen into your property following a storm, subject to their agreement.
• The fees of the reconstructive architect.
• The loss of use, meaning the prejudice resulting from the impossibility for you as an occupant to temporarily use all or part of the insured operating premises.
  • If you are a partial owner-occupant and/or a non-professional furnished landlord: the loss of rents, meaning the amount of rents actually due that you are deprived of for the necessary time, according to our expert, for the restoration of the damaged premises.

Exclusions

This guarantee does not apply to vacant premises at the time of the claim, nor to the lack of rental or occupancy after the completion of restoration works.

• The costs necessary for restoring the premises in compliance with legislation and regulations concerning construction.
• The “Damage Work” premium.

Exclusions

We do not guarantee under the Additional costs guarantee, in addition to the general exclusions:

• The costs of decontaminating debris, their confinement, as well as the necessary costs for these operations, in case of a claim compensated under the Terrorism guarantee provided in this chapter, paragraph I.6.

III. Civil liability guarantees

The following liabilities are guaranteed, according to mention in the Specific Provisions:

1. Civil liability for fire and/or water damage

We guarantee you against the financial consequences of civil liability you may incur due to:

• Material damages and consequential financial losses caused:
  • To the owner of the premises if you are a tenant or occupant free of charge (your rental risks).
  • To the tenant, if you rent out all or part of your premises as an owner.
  • To neighbors and third parties (including co-tenants or co-owners).
• An accidental environmental impact in case of bodily, material damages, and consequential losses caused to others.
• An accidental ecological harm, when these damages result from an event covered under the Fire and similar events and Water damage guarantees, and occurred in your home at the address indicated in the Specific Provisions.

2. Civil liability for stays/travel/family parties

We guarantee you against the financial consequences of civil liability as a tenant or occupant free of charge that you may incur due to material damages and consequential financial losses caused:

• To the owner of the premises.
• To neighbors and third parties including co-tenants, when the damages result from an event covered under the Fire and similar events, Water damage, and Breakage of glass or other property (if you have subscribed to them) occurring:
  • Either in a place of residence of which you are a tenant or occupant free of charge for less than 3 consecutive months.
  • Or in a room that you rent and occupy for a maximum of 96 hours during a family or private party.

3. Civil liability of property owners

We guarantee you against the financial consequences of civil liability you may incur due to bodily, material damages, and consequential financial losses caused to others including your tenants or other occupants, by an accident originating from the insured home (including the fittings and installations), the employees attached to the building, its courtyards, gardens, parking lots, trees and plantations, swimming pool. If you own undeveloped and unexploited land elsewhere totaling no more than 5 hectares, our guarantee applies under the same conditions as for the insured home.

We also guarantee your civil liability due to:

• Bodily damages caused by a fire, explosion, or the action of water.
• Intoxications due to gases or fumes.
• Damages caused by your funeral monuments.
• An accidental environmental impact in case of bodily, material damages, and consequential losses caused to others.
• An accidental ecological harm, when these damages and harm result from the insured home, from your employees attached to the building, parking lots, swimming pool. If you rent out the insured home, in whole or in part, we also guarantee the financial consequences of civil liability you may incur due to damages caused to tenants by the movable items furnishing the rented premises or due to thefts committed in the insured building to the detriment of tenants or other occupants.

Exclusions

We do not guarantee under the civil liability of property owners guarantee, in addition to the general exclusions:

• Material damages, consequential financial losses, and ecological harm caused by a fire, explosion, or the action of water occurring in the insured building (these damages are covered by the civil liability for fire and/or water damage guarantee).
• Damages:
  • Suffered by all property of which you are the owner or which are in your possession as a tenant, custodian, or borrower.
  • Occurring during the execution of the connection, access, and operation contract of the low voltage network when your home is equipped with an electricity production installation (these damages are covered by the “Renewable energies” option).
  • Resulting from dam and/or water retention failure (these damages are covered by the adaptation clause 17).
• Environmental impacts:
  • Non-accidental.
  • Damages or aggravation of damages, losses, claims, resulting from an environmental impact and ecological harm resulting from a failure to repair that is your responsibility, resulting from a previous claim.
  • Damages or aggravation of damages, losses, claims, resulting from an environmental impact and ecological harm resulting from non-compliance with maintenance guides and instructions set by the manufacturer or professional seller.
• All financial penalties imposed as a sanction for a particular wrongful behavior on your part that would not constitute direct compensation for bodily, material damages, or financial losses including fines, penalties, fees, punitive or exemplary damages.
• Damages resulting from the production, by any device or equipment, of electric or magnetic fields, or electromagnetic radiation.

4. Private life civil liability

a. Damages caused to others

We guarantee:

• The financial consequences of civil liability that may be incumbent upon you.

Due to bodily damages,
material damages, and consequential financial losses caused to others during your private life.
These damages may be caused:
– by your actions or by those of the persons for whom you are legally responsible (notably your employees).

Our guarantee is also extended:
• to damages caused:
o during the occasional childcare provided by your children (baby-sitting),

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o to others during internships or observation periods or during internships (paid or unpaid) carried out as part of studies, including paramedical studies. Damages caused during internships carried out as part of the first cycle of medical studies are also covered,
o to equipment entrusted by the host company during paid or unpaid internships as part of studies,
o to professional equipment entrusted by the employer in the context of teleworking.
• to recourse directed against you due to bodily damages suffered by your domestic employees in case of work accident (or professional illness recognized as such) resulting from an inexcusable fault on your part or a person you have substituted, or an intentional fault committed by one of your domestic employees.

We then guarantee the financial consequences of your civil liability in case of action for:
o reimbursement of the additional premium provided for in article L452-2 of the Social Security Code,
o reimbursement or payment of additional compensation paid or due to the victim in compensation for all bodily damages suffered,
o reimbursement or payment of additional compensation paid or due to all heirs of the victim, directed against you by one and/or the other of the following persons:
– Social Security or any other mandatory social protection organization,
– your employee victim,
– their heirs,
– if applicable, their employer who temporarily placed the victim under your orders.
– by movable property.

Our guarantee is also extended:
• to damages caused:
• by motorized vehicles (e.g., children's toys…) whose speed cannot exceed 8 km/h and electric or non-electric wheelchairs of disabled persons,
• by recreational drones weighing no more than 800 grams or by recreational model aircraft of class A, used in authorized areas and in compliance with current regulations.
• by motor cultivators and riding mowers with a maximum power of 20 HP,
• by a motorized land vehicle of which no insured under the contract, even minor, is the owner, tenant, custodian, holder, and resulting from its use without your knowledge by a minor insured or by an employee.

Exclusions

We do not guarantee under the private life civil liability - damages caused to others, in addition to the general exclusions:
Damages suffered by the authors, co-authors, or accomplices of the theft of the motorized land vehicle or motorized vehicle.
• to damages suffered by the non-motorized devices used for DIY, gardening, and cleaning for non-professional needs that you have rented.
– by animals of which you are the owner or custodian.

Our guarantee is also extended to the reimbursement of health costs and certificates prescribed by the authorities following bites caused by one of your domestic animals.
– due to an accidental environmental impact.

Limitation of guarantee when you are jointly responsible:

When your liability is engaged jointly or “in solidum,” we only guarantee with respect to third parties the consequences of your own share of liability in your relations with the co-obligors when this is determined or the financial consequences of your liability equally with the co-obligors when your share is not determined.

b. Ecological harm
We guarantee the financial consequences of civil liability that you may incur in the context of your private life due to accidental ecological harm.

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c. The defense of your civil interests
In case your civil liability is invoked in one of the guaranteed cases above, we direct the lawsuit brought against you, exercise the avenues of recourse, and cover the corresponding costs and fees.
We can also, if you wish:
– assume your criminal defense, if you are prosecuted before a criminal court with civil party status,
– present your personal claim (counterclaim) and your calls for guarantee.

Exclusions

We do not guarantee under the private life civil liability, in addition to the general exclusions:
– Damages caused during your professional activities or public and union functions, as well as any paid activity (except in the case of baby-sitting indicated above).
– Damages caused to the insured home as well as to all goods, objects, or animals:
• of which you are the owner or for which you are responsible (except for rented items as provided above),
• that you have sold, when they engage your liability as a seller.
– Damages resulting from:
• hunting (except underwater), aerial sports as well as any sport for professional purposes,
• your participation in any events, races, or sports competitions (as well as their preparatory trials) requiring administrative authorization and/or subject to the obligation of legal insurance.
– Damages caused by horses (or equine animals), wild animals even domesticated, or dogs of category 1 or 2 as defined in article 211-12 of the Rural and Maritime Fishing Code of which you have ownership or custody (these damages are subject to adaptation clauses 12, 13, and 14).
– Damages caused by:
• aerial navigation devices (except for drones and recreational model aircraft as provided above),
• motorboats as well as any other watercraft with a real power exceeding 6 HP,
• sailing boats longer than 5.50 m as well as those whose engine exceeds 6 HP and meeting the definition of article 1 paragraph b of decree No. 2007-1167 of August 2, 2007.
– Damages, in and out of circulation, in which is involved:
• a motorized land vehicle including personal mobility devices (PMDs) subject to mandatory insurance (except in the case of taking without knowledge by a minor insured or an employee of a vehicle of which no insured under the contract, even minor, is the owner, tenant, holder, or custodian),
• any land device attached to this vehicle,
• a trailer, semi-trailer, or caravan.
– Your civil liability as an owner or co-owner of real estate (this is covered by the civil liability of property owners guarantee).
– Material damages, consequential financial losses, and ecological harm caused by a fire, explosion, or the action of water occurring in the premises of which you are the owner or which you use as a tenant or occupant in any capacity (these damages are covered by the civil liability for fire and/or water damage guarantee).
– Damages resulting from non-compliance with the provisions of the Labor Code provided for in articles L1132-1 to L1132-4 (discrimination), L1152-1 to L1153-6 (harassment), L1142-1 to L1142-6 (professional equality between women and men).
– Recourses exercised as a sanction by Social Security for violations of the provisions of articles L471-1, L244-8, and L374-1 of the Social Security Code.

Social Security

• The amounts claimed under articles L242-7 and L412-3 of the same Code.
• Damages resulting from your societal responsibility regarding human rights, environmental protection, or animal welfare.
• The ecological harm caused by phytosanitary products.

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5. Criminal defense and recourse following an accident

To provide you with the best possible service, we have entrusted the management of “Criminal defense and recourse following an accident” claims to an autonomous and distinct service:

Allianz IARD
TSA 71016
92076 Paris La Défense Cedex

or any other organization that may replace it and which has been communicated to you by any means. Your usual Allianz contact is also at your complete disposal to provide you with any assistance within the framework of this guarantee.

This guarantee is automatically granted to you with your civil liability as a property owner and private life civil liability guarantees.

We provide you with our assistance and cover the corresponding costs to ensure:

• your defense before a criminal court in case of an action involving a liability covered by this contract, when you are not represented by the lawyer we have appointed to defend your civil interests,
• the exercise of your amicable or judicial recourse against third parties responsible for material damage that would have been covered by this contract if it had engaged your civil liability or for bodily damage suffered by you, occurring during your private life.

Exclusions

However, we do not exercise your recourse to obtain compensation for:

• Material damages caused to your property in case of disputes opposing you to a professional or a private individual with whom you have contracted.
• Damages suffered during the use, including as a passenger, of a motorized land vehicle subject to mandatory automobile insurance.

We also exclude coverage for:

• Costs incurred without our prior agreement including those intended to provide evidence of your damage unless it is an urgent conservatory measure.
• Success fees as well as any amounts that you would ultimately have to pay or reimburse to the opposing party, including costs and expenses that a court would deem fair to impose on you.

Note: it is your responsibility to provide us with all documents, information, and evidence proving the reality of your damage. Otherwise, we would not be able to process your file.

Exclusions

We will not cover any costs incurred by you intended to provide this evidence of your damage without our prior agreement.