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Insurance

Fire

Fire insurance

Exceptional conditions!

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!

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