Why take out insurance?

Without insurance, person travels by car, person would start skiing, nobody would repair his roof... without insurance, and nobody would take a risk! Or cannot do otherwise than to take risks in the life of every day, even if the accident is not a fatality.

A bit of history!

The appearance of insurance is a recent phenomenon, in France it dates only from the end of the old regime (1686: founding of the General company of big adventures and insurance); Although as early as the 14th century Italian merchants had found a way to protect their ships against losses suffered during a shipwreck or due to the ravages of the pirates. They created associations to establish funds to compensate them (code of Amalfi). The development of the insurance is linked to economic and social transformations: the transition from an agricultural economy to a diversified economy has multiplied the causes of damage (industry, trade), and the concentration of populations in cities with the appearance of new housing and new ways of life spawned new scourges.

Danger, risk, accident... negative gearing to be anticipate

The principle of insurance is based on the concept of risk, i.e. the exposure to a hazard potential, inherent in a situation or an activity, and could not face the financial consequences, whether related to property or persons. The danger is the prelude to the risk which is the prelude to the accident. Thus the danger having been identified, risk becomes perfectly describable, it is likely to occur but it is not known whether it will be carried out and when it materializes. Insurance is a contract: in consideration of the payment of a fee, also called premium, the insurer guarantees specific benefits to an individual, an association or a company in case of a risk clearly identified in the contract. The notion of risk is a key insurance, it is a random event dreaded by an insured for its financial consequences. The hazard is based on three criteria:

The future: we cannot ensure a car accident that has already occurred;

The uncertain: we cannot ensure a certain risk that materializes at a date known;

The involuntary: cannot ensure the damage that the insured causes or causes on a voluntary basis.

Make sure to protect property and persons

Damage insurance

The traditional vocation of insurance is to allow replacement of goods destroyed or cannot stolen. In addition, today the liability in the field of life insurance domestic, professional activity, traffic and recreation has grown considerably. In this case, to ensure against damage and the potential damages involuntarily caused to third parties.

Property insurance and liability insurance are designed to protect the heritage of the insured. They are, for some grouped in "casualty" contracts (multi-risk housing, property & casualty company...). The most common property insurance are fire insurance, theft insurance, water damage or breakage of ice but other types of events are automatically included (natural disasters, attacks,...) or optional.

Insurance of persons

Insurance covers the risks that affect the person, either in his physical integrity (insurance bodily injury, health...), and either in its existence (life assurance). They offer a complete set of solutions adapted to each situation.