Here's a summary of what you'll be covered for with comprehensive home insurance
Basic warranties
Additional benefits (automatically covered)
The fire
The explosion
Implosion
Smoke, soot
Lightning
The collision
Property damage, vandalism and malicious damage
Electricity action
Flex formula: electrical and electronic appliances
Flex formula: temperature variation
Pet electrocution
Water damage
Cosymax formula: damage caused by accidental pollution
Damage caused by mineral oil used to heat buildings
Glass breakage and cracking
Natural disasters
Our natural disasters coverage
Bureau de Tarification natural disasters cover
Storms, hail, snow and ice pressure
The attack and the labor dispute
Building liability
Expenses
rescue
excavation and demolition
conservation and storage
temporary accommodation
real estate unemployment
related to water damage and mineral oil damage for building heating
related to the electricity share warranty
related to glass breakage and cracking coverage
garden restoration
expertise
cash advance
Optional benefits
Theft and vandalism
Indirect losses (10% increase in contractual indemnity)
The vehicle at rest
Home legal protection
Personal liability + Personal legal protection insurance
Thanks to a correctly completed evaluation grid, you benefit from :
Unlimited replacement cost coverage for the building.
Unlimited coverage for content, with a limit per item that you designate yourself.
When applying the limit per object, each element of a set is considered as a single object, e.g. home cinema, Hi-Fi systems, PCs or laptops, LCD or plasma TVs.
AXA's FLEX formula: If the maximum amount chosen is exceeded for some objects, you benefit from 2 "object" Jokers: the maximum is doubled for 2 objects that you designate after the claim.
The benefits:
The proportional rule is not applied.
It doesn't matter how many objects you have, this system saves you time and effort. Add to this VDV Conseil's role in the event of a claim, and the substantial premium reductions we offer our customers compared with the basic rates offered by insurers, and you have the best the insurance market has to offer in terms of cover and service.
Insurance is never a simple, basic product that can be sold because the premium is the cheapest!
I would like to receive a free, no-obligation quote for :
Mortgage loan
Everyone benefits from the best conditions. Test-Achats affiliates benefit from an additional exclusive advantage corresponding to 0.45% of the amount borrowed (provided that the related insurance contracts are complete, signed and paid, and that we have received the commission from the lending institution). Vdv Conseil will credit your bank account within 2 to 3 months of the notarized deed with half of the sum and, provided the loan has not been partially or fully repaid in advance, a quarter one year later and a quarter two years later.
Concerning the interest rate scalesome rates are negotiable, depending on borrower creditworthiness and related products (insurance, direct debit of income ....).
Outstanding Balance Death Insurance
VDV Conseil informs you and seeks out the best market conditions. Test-Achats affiliates benefit from an additional 5% discount valid for the entire duration of the contracts.
Fire and ancillary risks insurance
VDV Conseil informs you and looks for the best solutions on the market. Our role is also to help you in the event of a claim. Test-Achats members benefit from a minimum 15% discount on the product they recommend. All our customers benefit from discounts on official company rates.
Savings & Investments
VDV Conseil informs you and searches for products Branch 21, Branch 23 and investment funds,Branch 26 best suited to your profile, entry fees are always reduced (from 0.00% to 1.00%).
We are at your disposal for free, no-obligation advice, tailored to your situation and sensitivity. The information on this site is intended to help you prepare your application in a climate of trust.