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Insurance

Be covered where it matters, without paying for the rest.

Home, auto, health, travel, borrower, professional: eight protections whose cover, exclusions and excesses are stated before subscription.

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  • Explicit cover and exclusions
  • No-commitment quote
  • Guided claim reporting
Available solutions

Eight protections for eight situations.

Each sheet details what is covered, what is not, and what to do when a claim arises.

Home insurance

Protecting your home and belongings against the main risks.

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Auto insurance

Drive covered, from civil liability to comprehensive cover.

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Health insurance

Topping up reimbursement for everyday care and hospital stays.

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Travel insurance

Cancellation, luggage and overseas medical costs covered.

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Borrower insurance

Securing a loan against death, disability or job loss.

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Professional insurance

Civil liability and protection for self-employed activity.

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Business insurance

Premises, equipment, civil liability and business-interruption cover.

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Family protection

Income protection and legal cover for the household.

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Who is it for?

Find the profile that matches you.

Individual

Protect your home and belongings.

 Student

Stay covered during a stay or exchange.

 Sole trader

Cover your liability and your working tools.

 Business

Insure premises, fleet and corporate liability.

 Entrepreneur

Complete an often partial social protection.

 Investor

Secure a loan backing an investment.

 Non-profit

Protect the people involved in the activity.
Individual

Home insurance

Protecting your home and belongings against the main risks.

Home insurance covers the property and its contents against water damage, fire, theft or natural disaster, with linked civil liability cover.

Benefits

  • Cover for the property and its furnishings
  • Civil liability included
  • Emergency assistance in case of a pressing claim

Who is it for?

Tenants and owners, main or second home.

How it works

  1. 1

    Describing the property and its features.

  2. 2

    Choosing the desired level of cover.

  3. 3

    Certificate available immediately after signing up.

Conditions
  • Property occupied as a residence or rental
Required documents
  • Proof of identity
  • Property address and floor area
Frequently asked questions
Is home insurance mandatory?

It is mandatory for a tenant; strongly recommended for an owner-occupier.

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Individual

Auto insurance

Drive covered, from civil liability to comprehensive cover.

Auto insurance protects the driver and the vehicle, with formulas ranging from mandatory civil liability to comprehensive cover.

Benefits

  • Adjustable formulas depending on the vehicle’s age
  • Optional roadside assistance from kilometre zero
  • No-claims bonus kept when switching insurer

Who is it for?

Any driver owning or using a vehicle.

How it works

  1. 1

    Providing vehicle and driver details.

  2. 2

    Choosing the cover formula.

  3. 3

    Green card issued immediately.

Conditions
  • Valid driving licence
  • Vehicle registered to the policyholder or a family member
Required documents
  • Driving licence
  • Vehicle registration document
Frequently asked questions
Is comprehensive cover still worthwhile for an older vehicle?

Not always; an intermediate formula is often enough after a few years.

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Individual

Health insurance

Topping up reimbursement for everyday care and hospital stays.

Health insurance tops up basic reimbursement for everyday care, optical, dental and hospital costs, depending on the level chosen.

Benefits

  • Adjustable levels of cover
  • Direct billing on everyday care
  • Optional extension for the family

Who is it for?

Individuals wanting to limit their out-of-pocket medical costs.

How it works

  1. 1

    Choosing the level of cover based on needs.

  2. 2

    Providing information about existing base cover.

  3. 3

    Direct-billing certificate received by mail or online.

Conditions
  • Be enrolled in a base health scheme
Required documents
  • Proof of base cover
  • Proof of identity
Frequently asked questions
Can children be added to the policy?

Yes, a family formula groups the whole household under a single policy.

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Individual

Travel insurance

Cancellation, luggage and overseas medical costs covered.

Travel insurance covers cancellation, overseas medical costs, repatriation and luggage, for a single trip or across the year.

Benefits

  • Single-trip or annual multi-trip formula
  • Round-the-clock repatriation assistance
  • Luggage and travel-delay cover

Who is it for?

Travellers, leisure or business trips.

How it works

  1. 1

    Providing travel dates and destination.

  2. 2

    Choosing cover (cancellation, luggage, health).

  3. 3

    Instant certificate, valid from departure.

Conditions
  • Subscribed before departure
Required documents
  • Proof of travel (ticket, booking)
Frequently asked questions
Is the annual formula worthwhile for a single trip a year?

Generally not; it becomes worthwhile from two to three trips onward.

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Individual

Borrower insurance

Securing a loan against death, disability or job loss.

Borrower insurance guarantees a loan’s repayment in the event of death, disability or incapacity to work, protecting the borrower’s family.

Benefits

  • Adjustable share between co-borrowers
  • Cover adapted to age and occupation
  • Can be switched during the loan

Who is it for?

Anyone taking out a mortgage or a significant loan.

How it works

  1. 1

    Health questionnaire suited to the amount borrowed.

  2. 2

    Choosing the share and cover per borrower.

  3. 3

    Added to the mortgage loan file.

Conditions
  • Linked to a loan being set up
Required documents
  • Health questionnaire
  • Related loan offer
Frequently asked questions
Can I change borrower insurance after signing the loan?

Yes, the law allows switching at any time, subject to equivalent cover.

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Sole trader

Professional insurance

Civil liability and protection for self-employed activity.

Professional insurance covers the activity’s civil liability, equipment and sometimes lost income in the event of a stoppage.

Benefits

  • Professional civil liability included
  • Cover for equipment and premises
  • Optional income protection in case of activity stoppage

Who is it for?

Freelancers and self-employed professionals.

How it works

  1. 1

    Describing the activity carried out.

  2. 2

    Choosing cover suited to the trade’s risk.

  3. 3

    Certificate can be shared with clients if needed.

Conditions
  • Active professional registration
Required documents
  • Proof of registration
Frequently asked questions
Is professional civil liability mandatory?

Mandatory for some regulated professions; recommended for others.

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Business

Business insurance

Premises, equipment, civil liability and business-interruption cover.

Business insurance covers premises, equipment, civil liability and operating losses in the event of a claim affecting the activity.

Benefits

  • Cover adapted to the business sector
  • Business-interruption losses covered
  • Policy that evolves with the company’s growth

Who is it for?

Companies of any size, any sector.

How it works

  1. 1

    Auditing the risks linked to the activity.

  2. 2

    Building a tailored multi-risk policy.

  3. 3

    Annual review of the cover.

Conditions
  • Registered company
Required documents
  • Registration extract
  • Description of premises and equipment
Frequently asked questions
Is business interruption included by default?

It is an optional cover, strongly recommended depending on the activity.

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Individual

Family protection

Income protection and legal cover for the household.

Family protection combines income protection, death benefit and legal cover, to secure loved ones against life’s uncertainties.

Benefits

  • Lump sum paid to named beneficiaries
  • Legal cover included
  • Cover adjustable to the household’s make-up

Who is it for?

Families wanting to secure their loved ones.

How it works

  1. 1

    Naming the beneficiaries.

  2. 2

    Choosing the lump sum and related cover.

  3. 3

    Policy reviewable with each family change.

Conditions
  • Be of legal age
Required documents
  • Proof of identity
  • List of intended beneficiaries
Frequently asked questions
Can I change beneficiaries during the policy?

Yes, at any time, free of charge, from the client area.

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Your profile

Browse the other service families.

Accounts

Current, savings, premium, student, joint, sole-trader, business.

Loans

Personal, mortgage, auto, student, professional, business.

Savings

Standard, project, housing, retirement, child, business.

Insurance

Home, auto, health, travel, borrower, professional.

Investing

Investments, stocks, bonds, funds, advice, responsible investing.

Funding & grants

SMEs, startups, non-profits, agriculture, innovative projects.
Benefits

Insurance you read before you rely on it.

Explicit cover

What is covered and what is excluded sits in the same place.

Stated excesses

Your share is known before subscription, not after a claim.

Adjustable plans

Cover can be strengthened or trimmed to fit the budget.

No-commitment quote

A priced proposal triggers no subscription.

Guided claims

Reporting is guided step by step, with the expected documents listed.

Loan alignment

Borrower insurance is articulated with the financed loan.

How it works

Five steps, nothing left unclear.

1

Discover

Identify the risk to cover first.

2

Choose

Compare the levels of cover offered.

3

Apply

Request a quote based on your situation.

4

Review

Risk analysis and priced proposal.

5

Confirm

Signature, effective date and delivery of terms.

Key information

Conditions and documents to prepare

Conditions

  • Declare your situation accurately at subscription.
  • Observe the reporting deadlines set for claims.
  • Exclusions and excesses appear in the general terms.
  • Some cover carries a waiting period.
  • Borrower insurance may be taken out with another insurer.

Documents that may be required

  • Identity document and proof of address.
  • Description of the property, vehicle or activity to insure.
  • Claims history statement for auto insurance.
  • Health questionnaire for some cover.
  • Loan offer for borrower insurance.

Academic mock-up. The conditions, amounts and terms shown are fictional and carry no contractual value.

FAQ

Frequent questions about insurance

Does a quote commit me?
No. A quote is a priced proposal you are free to accept, compare or ignore.
How do I report a claim?
Reporting happens from the customer space or through an advisor, within the deadlines set in the contract.
Can I change borrower insurance?
Yes, provided the new contract’s cover is at least equivalent to what is required.
What does the excess mean?
It is the share of the claim you bear. A high excess lowers the premium, and vice versa.
Are the mock-up contracts real?
No. The cover, prices and conditions shown here are fictional and serve demonstration only.
See the general FAQ
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