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The principle of insurance is to cover yourself against possible losses that may arise on what you are or what you have. Mandatory sometimes, often advised, taking out insurance is an act that concerns us all. However, with its specific jargon and the multiplicity of offers available, it is easy to get lost. To help you see more clearly, we invite you to unroll together the main concepts on the subject Insurance Leads Guide. Follow the guide and the intricacies of insurance will hold no secrets for you!
- Definition of Insurance Leads Guide
- What is insurance used for?
- Insurance: how does it work?
- Who are the main players in Insurance Leads Guide?
- What are the compulsory Insurance Leads Guide?
- Where to take out an Insurance Leads Guide contract?
- Termination of the insurance contract
- Who created the insurance?
- Insurance: main concepts to know
Definition of insurance
Insurance is defined as “the contract by which the insurer undertakes to indemnify the insured, in return for an insurance premium or a contribution, for certain possible risks or claims”. In other words, Insurance Leads Guide is the commitment that will allow the insured to be covered in the event of a claim, by his insurance company.
There are 2 main types of insurance:
property insurance covers what you own – your assets – and therefore includes your house (home Insurance Leads Guide), your vehicle (auto, motorcycle, boat insurance), your telephone (specific affinity insurance for the telephone), etc. ;
personal insurance covers the risks inherent in your day-to-day life. They are more numerous and include a wide variety of contracts such as school insurance, long-term care, death insurance, travel insurance or even mutual health insurance.
What is insurance used for?
Being covered by insurance helps protect against life risks. A fire in your home, a dismissal that compromises the repayment of your loan, a conflict with your neighbour, hospitalization, car breakdown … are as many potential risks as they are reasons to guard against them.
In some cases, you are required by law to be covered by insurance. Thus, if you have a car, it must be insured. Same thing if you are a tenant: your landlord will – to comply with the law – ensure that you are covered for the accommodation you occupy.
In addition to these insurance related to property, French law requires everyone to take out Civil Liability. This is the minimum coverage and everyone must be able to justify it. Generally, it is part of the mandatory guarantees present in your home insurance or your credit card, and you will not have to take it out individually.
Then there are a multitude of insurances which, although optional, are highly recommended. In fact, these additional guarantees are fewer risks in the event of a claim. Depending on your lifestyle and your lifestyle (playing a risky sport for example), it can be very useful to take out insurance on this point, otherwise, you will assume full responsibility in the event of a claim. This forethought helps to avoid any uncomfortable situations.