Certain risks must be insured. This is the case for home insurance, but for tenants only, under article 7 of the law “tending to improve rental relationships” of July 6, 1989.
In co-ownership, the building must also be insured for civil liability. Each co-owner, whether or not he is an occupant, must also be one (this is thesection 9-1 of the law of July 10, 1965 establishing the status of co-ownership).
Motorized land vehicles (cars, motorcycles, scooters, etc.) must be covered by so-called “third party” insurance – that is to say, here too, a civil liability (Articles L 211-1 and following of the insurance code). Just like electric scooters, and other motorized personal mobility devices up to 25 km/h. Liability insurance is also required to obtain a hunting license (Environmental Code, articles L 423-1 at L 423-27).
At school
In the event of major work (construction, renovation, extension, elevation), the owner must take out, before the construction site, a damage-work insurance, which will compensate for any poor workmanship, pending the search for the responsibilities of the construction companies. An obligation resulting from the insurance code (article L 242-1 and following).
As for the school insurance (more precisely the civil liability guarantee covering the damage caused by the child, and the bodily accident guarantee covering for the damage he suffers), it is not imposed for compulsory activities (sport at school, for example), but is for optional ones, canteen included.
Attention, certain insurances which are not legally obligatory are sometimes required in practice. For example, mortgage insurance, banks generally impose it, because it allows them to be reimbursed if the borrower is faced with an accident in life.
Insurance shaken up all over the place
Home, car, health… The prices of the various insurances are bound to increase. At the same time, changing uses and risks encourage companies to innovate. Find all the articles in our file “Insurance companies shaken up all over the place”.