Understanding French insurance terms is the first step to securing the right coverage for your needs in France. This article unlocks 10 key terms you’ll need to know if you are new to French insurance.

§  Agent Général d’Assurance: An insurance agent and the main representative responsible for selling the company’s insurance policies as well as other financial services. AXA Marthon’s agent is Florent Morin.

§  L’assuré: the policy holder.

§  Attestation d’assurance: an important document! This provides proof from your insurance company that you have insurance, essential when dealing with any claims.

§  Responsabilité civile propriétaire: Civil liability insurance covers you if something on your property accidentally damages a neighbouring property or injures someone. For example, a water leak could affect other properties (especially if you live in an apartment) or a tree falls into the adjacent garden, damaging their property.

§  Assurance tous risques: Fully comprehensive insurance covering all types of risk.

§  Bonus-malus: A potentially valuable term… No Claims Bonus.

§  Accorderacte de malveillance: A word we hope that we do not need to use in a claim – malicious damage.

§  Déclaration de vol: Property theft unfortunately may occur in life; you must complete this police form after a theft.

§  Dispositions générales: the general conditions of a policy (T’s & C’s)

§  Preuve de sinistre: proof of loss. In many cases such as water or fire damage it will not be difficult to establish the basis for a claim. However, if you experience a theft having evidence of the stolen goods (such as receipts for luxury items or photos) is very useful.

We hope that you have find this short guide helpful.

Insurance France is the trading name of AXA Marthon. We are an English and French speaking AXA agency, taking care of your insurance so you can enjoy your life in France.

To find out more please contact us below for a free, no-obligation quotation:

Phone: +33 (0)5 45 70 43 76

Email: agence.florentmorin@axa.fr

Website: insurancefrance.fr