Would you like a quote for a civil liability insurance in France?
The Insurance Allianz in France at the Best Price to Protect your life with peace of mind.
Civil liability insurance is highly recommended in France and may be required to rent a property or work in a company. This insurance may be included in a housing contract, but if you don’t have a housing contract, you will need to take out a separate policy.
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The duration of the contract cannot be less than 1 year.
Looking for a new civil liability insurance or aiming to get better coverage? Whether you want to pay less or have other reasons, we’re here to advise you on choosing insurance that fits both your needs and your budget.
Public liability insurance in France
Here are some examples of situations where your civil liability insurance can be useful: your son breaks a classmate’s glasses at school, your dog bites a passerby, you accidentally break an item in a store, etc.
What is civil liability?
« Civil liability » is a legal concept that involves the obligation for an individual to compensate others for damages they have caused. It is based on the principle that individuals should bear the consequences of their actions and are required to rectify harm done to others.
Civil liability can arise from various situations, including negligent acts, intentional behaviors, or legal violations. It may be applicable within contractual relationships (contractual civil liability) or outside of any contract, simply due to harmful actions (tortious civil liability).
In terms of insurance, civil liability is often covered by a liability insurance policy. This insurance provides financial protection to the insured in case of claims or legal proceedings resulting from bodily injury, property damage, or other types of harm caused to third parties.
In summary, civil liability is the legal responsibility to compensate others for damages, and liability insurance helps mitigate the financial consequences of such obligations.
You are responsible not only for the damage you may cause but also for that caused by the actions of individuals for whom you are responsible or by things under your care. This includes the acts of your children, your pet, your gardener, but also your trash bin if it falls from the balcony.
What does Personal Liability Insurance cover?
It covers the policyholder for damages caused by:
- Himself, due to carelessness or negligence
- Individuals living under his roof: spouse, children, parents
- Employees: housekeeper, babysitter, gardener…
- His animals
- Objects in his possession
- Lack of maintenance of his owned property
Personal Liability Insurance protects you not only at home but also outside of your residence.
What is generally not covered in a Personal Liability Insurance ?
- Intentionally caused damages (known as intentional fault)
- Damages you inflict upon yourself
Professional activities that should be covered by Professional Liability Insurance
- Damages caused to other individuals living under the same roof
- Damages caused by a dangerous dog
- Damages caused by a motor vehicle (covered by auto, motorcycle insurance…)
Real example for a civil liability in France: 5,72€ per month
Peter - 35 years old
Pierre is British and needs liability insurance as an expatriate in France for a duration of 1 year.
Personal liability insurance and the legal defense and recourse coverage following an accident.
Why choose Allianz Ernée?
Allianz insurance allows you to choose from a wide range of guarantees and options. You will therefore be able to take out the best insurance solutions to meet your needs.
We are an english speaking team insurance.