Formulas
Preferred by 80% of our customers
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Compare the 3 formulas |
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BASIC COVER
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FIRE
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WATER DAMAGE
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GLASS BREAKAGE
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STORM, HAIL, TORNADO, EARTHQUAKE
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HOUSEHOLD & ELECTRICAL DAMAGE
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ANCILLARY COVER
| ||||||
SUPPLEMENTARY PACKS
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THEFT, PROPERTY DAMAGE
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TERRORIST ATTACKS, VANDALISM AND GRAFFITI
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OUTDOOR ARRANGEMENTS
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Option
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REPLACEMENT VALUE
|
Option
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MULTIMEDIA, DIGITAL AND MUSICAL INSTRUMENTS
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Option
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PERSONAL EFFECTS AND LEISURE ITEMS
|
Option
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CLIMATE HAZARDS
|
Option
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REBUILDING TO THE NEW STANDARDS
|
Option
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OPTIONAL PACKS
| ||||||
SWIMMING POOL
|
Option
|
Option
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TRAVEL
|
Option
|
Option
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GREEN ENERGY APPLIANCES
|
Option
|
Option
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CYCLING AND SOFT MOBILITY
|
Option
|
Option
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VALUABLE ITEMS
|
Option
|
Option
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HUNTING
|
Option
|
Option
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FURNITURE AT FIRST LOSS
|
Option
|
Option
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OCCUPYING AND NON-OCCUPYING CO-OWNER
|
Option
|
Option
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HOME ASSISTANCE
|
Option
|
Option
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FAMILY CIVIL LIABILITY
|
Option
|
Option
|
Option
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BUILDING CIVIL LIABILITY
|
Option
|
Option
|
Option
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COMPREHENSIVE FAMILY LEGAL PROTECTION
|
Option
|
Option
|
Option
| |||
BASIC COVER
| ||||||
FIRE
| ||||||
Fire and fire-related incidents
| ||||||
WATER DAMAGE
| ||||||
Water and frost damage
| ||||||
Heating oil leakage
| ||||||
GLASS BREAKAGE
| ||||||
Glass breakage (windows, doors, sanitary fittings)
| ||||||
Breakage of greenhouses, conservatories and winter gardens
| ||||||
Breakage of ceramic hobs
| ||||||
STORM, HAIL, TORNADO, EARTHQUAKE
| ||||||
Storm, hail, tornado, earthquake
| ||||||
HOUSEHOLD & ELECTRICAL DAMAGE
| ||||||
Household and electrical damage
| ||||||
Loss of foodstuffs
| ||||||
ANCILLARY COVER
| ||||||
Experts’ fees, excavation and clean-up costs, measures to temporarily secure the home, unemployment, soil decontamination, etc.
| ||||||
SUPPLEMENTARY PACKS
| ||||||
THEFT, DAMAGE TO PROPERTY
| ||||||
Theft, damage to property
| ||||||
TERRORIST ATTACKS, VANDALISM AND GRAFFITI
| ||||||
Terrorist attacks, vandalism and graffiti
| ||||||
OUTDOOR ARRANGEMENTS
| ||||||
Theft of and damage to garden furniture, outdoor games, gardening and DIY equipment, barbecues and plants following an insured incident
|
option
| |||||
Repair of outdoor underground pipes
|
option
| |||||
REPLACEMENT VALUE
| ||||||
Replacement value for furniture up to ten years old, household appliances up to five years old and items covered by the Multimedia, Personal Effects and Travel packs up to five years old.
|
option
| |||||
MULTIMEDIA, DIGITAL AND MUSICAL INSTRUMENTS
| ||||||
Breakage and theft of IT and audiovisual equipment, household appliances, alarm and home automation equipment at home (portable and non-portable devices) and anywhere in the world (portable devices)
|
option
| |||||
PERSONAL EFFECTS AND LEISURE ITEMS
| ||||||
Breakage and theft of goods other than multimedia equipment taken on a trip: personal effects, sports equipment, skis
|
option
| |||||
CLIMATE HAZARDS
| ||||||
Flooding, sewer backup, landslides, run-off
|
option
| |||||
REBUILDING TO THE NEW STANDARDS
| ||||||
Following an incident, rebuilding the home to meet new technical and environmental standards at the time of reconstruction
|
option
| |||||
OPTIONAL PACKS
| ||||||
SWIMMING POOL
| ||||||
Material damage to your swimming pool, its technical installations and accessories, in particular the cover and outdoor shower.
|
option
|
option
| ||||
TRAVEL
| ||||||
Minimum guarantee travel pack - Travel cancellation: Flight delays, missed departures, trip interruption and rental vehicle excess reimbursement
|
option
|
option
| ||||
Luggage: Breakage and theft of luggage while travelling including delayed luggage (reimbursement of emergency purchases), breakage and theft of rented sports equipment
|
option
|
option
| ||||
Annual Assistance: Repatriation in the event of illness or death, refund of medical and hospitalisation expenses abroad, search and rescue expenses
|
option
|
option
| ||||
GREEN ENERGY APPLIANCES
| ||||||
Breakage of equipment (solar panels, heat pumps, wind turbines, electric vehicle charging points, etc.)
|
option
|
option
| ||||
Loss of revenue due to not being able to produce energy or use the energy produced
|
option
|
option
| ||||
CYCLING AND SOFT MOBILITY
| ||||||
Minimum guarantee Cycling and soft mobility Pack: Theft of and material damage to bicycles, electric bicycles, scooters and other mobility vehicles travelling at speeds of up to 25 km/h
|
option
|
option
| ||||
Accident: Bodily injury to driver and passengers
|
option
|
option
| ||||
VALUABLE ITEMS
| ||||||
Material damage and theft
|
option
|
option
| ||||
HUNTING
| ||||||
Minimum guarantee Hunting Pack : Hunting civil liability
|
option
|
option
| ||||
Hunting rifle: Material damage and theft
|
option
|
option
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Hunting accident: Personal injury to the hunter
|
option
|
option
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Hunting dog accident: Costs of treatment or death related to hunting injuries
|
option
|
option
| ||||
OCCUPYING AND NON-OCCUPYING CO-OWNER
| ||||||
Coverage of your share in the event of a claim if there are differences between the LALUX contract and the co-owners contract.
|
option
|
option
| ||||
FURNITURE AT FIRST LOSS
| ||||||
Cover based on the value declared by the insured person: no under-insurance applicable
|
option
|
option
| ||||
HOME ASSISTANCE
| ||||||
Arranging and paying for emergency repairs (electrician, plumber, heating engineer, locksmith, blocked garage door, waspnest), Assistance after an insured incident (house sitting, help with relocation, moving, child and pet care)
|
option
|
option
| ||||
FAMILY CIVIL LIABILITY
| ||||||
Bodily injury and damage to property caused to third parties by family members or pets, including accidental pollution
|
option
|
option
|
option
| |||
BUILDING CIVIL LIABILITY
| ||||||
Building civil liability including accidental pollution
|
option
|
option
|
option
| |||
COMPREHENSIVE FAMILY LEGAL PROTECTION
| ||||||
Comprehensive Family Legal Protection
|
option
|
option
|
option
| |||
See detailsSee less |
Compare the 3 formulas
BASIC COVER | |
|---|---|
FIRE
| |
WATER DAMAGE
| |
GLASS BREAKAGE
| |
STORM, HAIL, TORNADO, EARTHQUAKE
| |
HOUSEHOLD & ELECTRICAL DAMAGE
| |
ANCILLARY COVER
| |
SUPPLEMENTARY PACKS | |
THEFT, PROPERTY DAMAGE
| |
TERRORIST ATTACKS, VANDALISM AND GRAFFITI
| |
OUTDOOR ARRANGEMENTS
| |
REPLACEMENT VALUE
| |
MULTIMEDIA, DIGITAL AND MUSICAL INSTRUMENTS
| |
PERSONAL EFFECTS AND LEISURE ITEMS
| |
CLIMATE HAZARDS
| |
REBUILDING TO THE NEW STANDARDS
| |
OPTIONAL PACKS | |
SWIMMING POOL
| |
TRAVEL
| |
GREEN ENERGY APPLIANCES
| |
CYCLING AND SOFT MOBILITY
| |
VALUABLE ITEMS
| |
HUNTING
| |
FURNITURE AT FIRST LOSS
| |
OCCUPYING AND NON-OCCUPYING CO-OWNER
| |
HOME ASSISTANCE
| |
FAMILY CIVIL LIABILITY
|
Option
|
BUILDING CIVIL LIABILITY
|
Option
|
COMPREHENSIVE FAMILY LEGAL PROTECTION
|
Option
| BASIC COVER |
FIRE | |
Fire and fire-related incidents
| |
WATER DAMAGE | |
Water and frost damage
| |
Heating oil leakage
| |
GLASS BREAKAGE | |
Glass breakage (windows, doors, sanitary fittings)
| |
Breakage of greenhouses, conservatories and winter gardens
| |
Breakage of ceramic hobs
| |
STORM, HAIL, TORNADO, EARTHQUAKE | |
Storm, hail, tornado, earthquake
| |
HOUSEHOLD & ELECTRICAL DAMAGE | |
Household and electrical damage
| |
Loss of foodstuffs
| |
ANCILLARY COVER | |
Experts’ fees, excavation and clean-up costs, measures to temporarily secure the home, unemployment, soil decontamination, etc.
| |
SUPPLEMENTARY PACKS | |
THEFT, DAMAGE TO PROPERTY | |
Theft, damage to property
| |
TERRORIST ATTACKS, VANDALISM AND GRAFFITI | |
Terrorist attacks, vandalism and graffiti
| |
OUTDOOR ARRANGEMENTS | |
| Theft of and damage to garden furniture, outdoor games, gardening and DIY equipment, barbecues and plants following an insured incident | |
| Repair of outdoor underground pipes | |
REPLACEMENT VALUE | |
| Replacement value for furniture up to ten years old, household appliances up to five years old and items covered by the Multimedia, Personal Effects and Travel packs up to five years old. | |
MULTIMEDIA, DIGITAL AND MUSICAL INSTRUMENTS | |
| Breakage and theft of IT and audiovisual equipment, household appliances, alarm and home automation equipment at home (portable and non-portable devices) and anywhere in the world (portable devices) | |
PERSONAL EFFECTS AND LEISURE ITEMS | |
| Breakage and theft of goods other than multimedia equipment taken on a trip: personal effects, sports equipment, skis | |
CLIMATE HAZARDS | |
| Flooding, sewer backup, landslides, run-off | |
REBUILDING TO THE NEW STANDARDS | |
| Following an incident, rebuilding the home to meet new technical and environmental standards at the time of reconstruction | |
OPTIONAL PACKS | |
SWIMMING POOL | |
| Material damage to your swimming pool, its technical installations and accessories, in particular the cover and outdoor shower. | |
TRAVEL | |
| Minimum guarantee travel pack - Travel cancellation: Flight delays, missed departures, trip interruption and rental vehicle excess reimbursement | |
| Luggage: Breakage and theft of luggage while travelling including delayed luggage (reimbursement of emergency purchases), breakage and theft of rented sports equipment | |
| Annual Assistance: Repatriation in the event of illness or death, refund of medical and hospitalisation expenses abroad, search and rescue expenses | |
GREEN ENERGY APPLIANCES | |
| Breakage of equipment (solar panels, heat pumps, wind turbines, electric vehicle charging points, etc.) | |
| Loss of revenue due to not being able to produce energy or use the energy produced | |
CYCLING AND SOFT MOBILITY | |
| Minimum guarantee Cycling and soft mobility Pack: Theft of and material damage to bicycles, electric bicycles, scooters and other mobility vehicles travelling at speeds of up to 25 km/h | |
| Accident: Bodily injury to driver and passengers | |
VALUABLE ITEMS | |
| Material damage and theft | |
HUNTING | |
| Minimum guarantee Hunting Pack : Hunting civil liability | |
| Hunting rifle: Material damage and theft | |
| Hunting accident: Personal injury to the hunter | |
| Hunting dog accident: Costs of treatment or death related to hunting injuries | |
OCCUPYING AND NON-OCCUPYING CO-OWNER | |
| Coverage of your share in the event of a claim if there are differences between the LALUX contract and the co-owners contract. | |
FURNITURE AT FIRST LOSS | |
| Cover based on the value declared by the insured person: no under-insurance applicable | |
HOME ASSISTANCE | |
| Arranging and paying for emergency repairs (electrician, plumber, heating engineer, locksmith, blocked garage door, waspnest), Assistance after an insured incident (house sitting, help with relocation, moving, child and pet care) | |
FAMILY CIVIL LIABILITY | |
| Bodily injury and damage to property caused to third parties by family members or pets, including accidental pollution | option
|
BUILDING CIVIL LIABILITY | |
| Building civil liability including accidental pollution | option
|
COMPREHENSIVE FAMILY LEGAL PROTECTION | |
| Comprehensive Family Legal Protection | option
|
See detailsSee less | |
BASIC COVER | |
|---|---|
FIRE
| |
WATER DAMAGE
| |
GLASS BREAKAGE
| |
STORM, HAIL, TORNADO, EARTHQUAKE
| |
HOUSEHOLD & ELECTRICAL DAMAGE
| |
ANCILLARY COVER
| |
SUPPLEMENTARY PACKS | |
THEFT, PROPERTY DAMAGE
| |
TERRORIST ATTACKS, VANDALISM AND GRAFFITI
| |
OUTDOOR ARRANGEMENTS
|
Option
|
REPLACEMENT VALUE
|
Option
|
MULTIMEDIA, DIGITAL AND MUSICAL INSTRUMENTS
|
Option
|
PERSONAL EFFECTS AND LEISURE ITEMS
|
Option
|
CLIMATE HAZARDS
|
Option
|
REBUILDING TO THE NEW STANDARDS
|
Option
|
OPTIONAL PACKS | |
SWIMMING POOL
|
Option
|
TRAVEL
|
Option
|
GREEN ENERGY APPLIANCES
|
Option
|
CYCLING AND SOFT MOBILITY
|
Option
|
VALUABLE ITEMS
|
Option
|
HUNTING
|
Option
|
FURNITURE AT FIRST LOSS
|
Option
|
OCCUPYING AND NON-OCCUPYING CO-OWNER
|
Option
|
HOME ASSISTANCE
|
Option
|
FAMILY CIVIL LIABILITY
|
Option
|
BUILDING CIVIL LIABILITY
|
Option
|
COMPREHENSIVE FAMILY LEGAL PROTECTION
|
Option
| BASIC COVER |
FIRE | |
Fire and fire-related incidents
| |
WATER DAMAGE | |
Water and frost damage
| |
Heating oil leakage
| |
GLASS BREAKAGE | |
Glass breakage (windows, doors, sanitary fittings)
| |
Breakage of greenhouses, conservatories and winter gardens
| |
Breakage of ceramic hobs
| |
STORM, HAIL, TORNADO, EARTHQUAKE | |
Storm, hail, tornado, earthquake
| |
HOUSEHOLD & ELECTRICAL DAMAGE | |
Household and electrical damage
| |
Loss of foodstuffs
| |
ANCILLARY COVER | |
Experts’ fees, excavation and clean-up costs, measures to temporarily secure the home, unemployment, soil decontamination, etc.
| |
SUPPLEMENTARY PACKS | |
THEFT, DAMAGE TO PROPERTY | |
Theft, damage to property
| |
TERRORIST ATTACKS, VANDALISM AND GRAFFITI | |
Terrorist attacks, vandalism and graffiti
| |
OUTDOOR ARRANGEMENTS | |
| Theft of and damage to garden furniture, outdoor games, gardening and DIY equipment, barbecues and plants following an insured incident | option
|
| Repair of outdoor underground pipes | option
|
REPLACEMENT VALUE | |
| Replacement value for furniture up to ten years old, household appliances up to five years old and items covered by the Multimedia, Personal Effects and Travel packs up to five years old. | option
|
MULTIMEDIA, DIGITAL AND MUSICAL INSTRUMENTS | |
| Breakage and theft of IT and audiovisual equipment, household appliances, alarm and home automation equipment at home (portable and non-portable devices) and anywhere in the world (portable devices) | option
|
PERSONAL EFFECTS AND LEISURE ITEMS | |
| Breakage and theft of goods other than multimedia equipment taken on a trip: personal effects, sports equipment, skis | option
|
CLIMATE HAZARDS | |
| Flooding, sewer backup, landslides, run-off | option
|
REBUILDING TO THE NEW STANDARDS | |
| Following an incident, rebuilding the home to meet new technical and environmental standards at the time of reconstruction | option
|
OPTIONAL PACKS | |
SWIMMING POOL | |
| Material damage to your swimming pool, its technical installations and accessories, in particular the cover and outdoor shower. | option
|
TRAVEL | |
| Minimum guarantee travel pack - Travel cancellation: Flight delays, missed departures, trip interruption and rental vehicle excess reimbursement | option
|
| Luggage: Breakage and theft of luggage while travelling including delayed luggage (reimbursement of emergency purchases), breakage and theft of rented sports equipment | option
|
| Annual Assistance: Repatriation in the event of illness or death, refund of medical and hospitalisation expenses abroad, search and rescue expenses | option
|
GREEN ENERGY APPLIANCES | |
| Breakage of equipment (solar panels, heat pumps, wind turbines, electric vehicle charging points, etc.) | option
|
| Loss of revenue due to not being able to produce energy or use the energy produced | option
|
CYCLING AND SOFT MOBILITY | |
| Minimum guarantee Cycling and soft mobility Pack: Theft of and material damage to bicycles, electric bicycles, scooters and other mobility vehicles travelling at speeds of up to 25 km/h | option
|
| Accident: Bodily injury to driver and passengers | option
|
VALUABLE ITEMS | |
| Material damage and theft | option
|
HUNTING | |
| Minimum guarantee Hunting Pack : Hunting civil liability | option
|
| Hunting rifle: Material damage and theft | option
|
| Hunting accident: Personal injury to the hunter | option
|
| Hunting dog accident: Costs of treatment or death related to hunting injuries | option
|
OCCUPYING AND NON-OCCUPYING CO-OWNER | |
| Coverage of your share in the event of a claim if there are differences between the LALUX contract and the co-owners contract. | option
|
FURNITURE AT FIRST LOSS | |
| Cover based on the value declared by the insured person: no under-insurance applicable | option
|
HOME ASSISTANCE | |
| Arranging and paying for emergency repairs (electrician, plumber, heating engineer, locksmith, blocked garage door, waspnest), Assistance after an insured incident (house sitting, help with relocation, moving, child and pet care) | option
|
FAMILY CIVIL LIABILITY | |
| Bodily injury and damage to property caused to third parties by family members or pets, including accidental pollution | option
|
BUILDING CIVIL LIABILITY | |
| Building civil liability including accidental pollution | option
|
COMPREHENSIVE FAMILY LEGAL PROTECTION | |
| Comprehensive Family Legal Protection | option
|
See detailsSee less | |
BASIC COVER | |
|---|---|
FIRE
| |
WATER DAMAGE
| |
GLASS BREAKAGE
| |
STORM, HAIL, TORNADO, EARTHQUAKE
| |
HOUSEHOLD & ELECTRICAL DAMAGE
| |
ANCILLARY COVER
| |
SUPPLEMENTARY PACKS | |
THEFT, PROPERTY DAMAGE
| |
TERRORIST ATTACKS, VANDALISM AND GRAFFITI
| |
OUTDOOR ARRANGEMENTS
| |
REPLACEMENT VALUE
| |
MULTIMEDIA, DIGITAL AND MUSICAL INSTRUMENTS
| |
PERSONAL EFFECTS AND LEISURE ITEMS
| |
CLIMATE HAZARDS
| |
REBUILDING TO THE NEW STANDARDS
| |
OPTIONAL PACKS | |
SWIMMING POOL
|
Option
|
TRAVEL
|
Option
|
GREEN ENERGY APPLIANCES
|
Option
|
CYCLING AND SOFT MOBILITY
|
Option
|
VALUABLE ITEMS
|
Option
|
HUNTING
|
Option
|
FURNITURE AT FIRST LOSS
|
Option
|
OCCUPYING AND NON-OCCUPYING CO-OWNER
|
Option
|
HOME ASSISTANCE
|
Option
|
FAMILY CIVIL LIABILITY
|
Option
|
BUILDING CIVIL LIABILITY
|
Option
|
COMPREHENSIVE FAMILY LEGAL PROTECTION
|
Option
| BASIC COVER |
FIRE | |
Fire and fire-related incidents
| |
WATER DAMAGE | |
Water and frost damage
| |
Heating oil leakage
| |
GLASS BREAKAGE | |
Glass breakage (windows, doors, sanitary fittings)
| |
Breakage of greenhouses, conservatories and winter gardens
| |
Breakage of ceramic hobs
| |
STORM, HAIL, TORNADO, EARTHQUAKE | |
Storm, hail, tornado, earthquake
| |
HOUSEHOLD & ELECTRICAL DAMAGE | |
Household and electrical damage
| |
Loss of foodstuffs
| |
ANCILLARY COVER | |
Experts’ fees, excavation and clean-up costs, measures to temporarily secure the home, unemployment, soil decontamination, etc.
| |
SUPPLEMENTARY PACKS | |
THEFT, DAMAGE TO PROPERTY | |
Theft, damage to property
| |
TERRORIST ATTACKS, VANDALISM AND GRAFFITI | |
Terrorist attacks, vandalism and graffiti
| |
OUTDOOR ARRANGEMENTS | |
| Theft of and damage to garden furniture, outdoor games, gardening and DIY equipment, barbecues and plants following an insured incident | |
| Repair of outdoor underground pipes | |
REPLACEMENT VALUE | |
| Replacement value for furniture up to ten years old, household appliances up to five years old and items covered by the Multimedia, Personal Effects and Travel packs up to five years old. | |
MULTIMEDIA, DIGITAL AND MUSICAL INSTRUMENTS | |
| Breakage and theft of IT and audiovisual equipment, household appliances, alarm and home automation equipment at home (portable and non-portable devices) and anywhere in the world (portable devices) | |
PERSONAL EFFECTS AND LEISURE ITEMS | |
| Breakage and theft of goods other than multimedia equipment taken on a trip: personal effects, sports equipment, skis | |
CLIMATE HAZARDS | |
| Flooding, sewer backup, landslides, run-off | |
REBUILDING TO THE NEW STANDARDS | |
| Following an incident, rebuilding the home to meet new technical and environmental standards at the time of reconstruction | |
OPTIONAL PACKS | |
SWIMMING POOL | |
| Material damage to your swimming pool, its technical installations and accessories, in particular the cover and outdoor shower. | option
|
TRAVEL | |
| Minimum guarantee travel pack - Travel cancellation: Flight delays, missed departures, trip interruption and rental vehicle excess reimbursement | option
|
| Luggage: Breakage and theft of luggage while travelling including delayed luggage (reimbursement of emergency purchases), breakage and theft of rented sports equipment | option
|
| Annual Assistance: Repatriation in the event of illness or death, refund of medical and hospitalisation expenses abroad, search and rescue expenses | option
|
GREEN ENERGY APPLIANCES | |
| Breakage of equipment (solar panels, heat pumps, wind turbines, electric vehicle charging points, etc.) | option
|
| Loss of revenue due to not being able to produce energy or use the energy produced | option
|
CYCLING AND SOFT MOBILITY | |
| Minimum guarantee Cycling and soft mobility Pack: Theft of and material damage to bicycles, electric bicycles, scooters and other mobility vehicles travelling at speeds of up to 25 km/h | option
|
| Accident: Bodily injury to driver and passengers | option
|
VALUABLE ITEMS | |
| Material damage and theft | option
|
HUNTING | |
| Minimum guarantee Hunting Pack : Hunting civil liability | option
|
| Hunting rifle: Material damage and theft | option
|
| Hunting accident: Personal injury to the hunter | option
|
| Hunting dog accident: Costs of treatment or death related to hunting injuries | option
|
OCCUPYING AND NON-OCCUPYING CO-OWNER | |
| Coverage of your share in the event of a claim if there are differences between the LALUX contract and the co-owners contract. | option
|
FURNITURE AT FIRST LOSS | |
| Cover based on the value declared by the insured person: no under-insurance applicable | option
|
HOME ASSISTANCE | |
| Arranging and paying for emergency repairs (electrician, plumber, heating engineer, locksmith, blocked garage door, waspnest), Assistance after an insured incident (house sitting, help with relocation, moving, child and pet care) | option
|
FAMILY CIVIL LIABILITY | |
| Bodily injury and damage to property caused to third parties by family members or pets, including accidental pollution | option
|
BUILDING CIVIL LIABILITY | |
| Building civil liability including accidental pollution | option
|
COMPREHENSIVE FAMILY LEGAL PROTECTION | |
| Comprehensive Family Legal Protection | option
|
See detailsSee less | |
