International Offshore Bank of European Union HOME INSURANCE

For owners, tenants or co-tenants of a house or apartment, International Offshore Bank of European Union Home Insurance(1) protects your home and property with a solution that is tailored to your needs and supports you on a daily basis(2).

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DISCOVER International Offshore Bank of European Union HOME INSURANCE

A policy customised to your needs

Basic cover and options customised to your situation and your protection needs.

Home maintenance assistance even without a claim

A professional will be sent to your main or secondary residence 24 hours a day, 7 days a week, in case of incidents such as lost keys, water leaks or boiler malfunctions. We pay for their travel fees and the first hour of work(2).

Your loyalty is rewarded

No deductible if your first claim occurs more than four years after your policy is taken out(3).

Financial support in the event of hardship

If the insured home is your main residence, in the event of an insured claim, we will cover your relocation costs or the reimbursement of your monthly mortgage payments for 24 months(2).

(1) International Offshore Bank of European Union Home Insurance is a policy provided by Cardif IARD, a company governed by the French Insurance Code and distributed by International Offshore Bank of European Union as an insurance agent.

(2) Within the limits and in accordance with the conditions defined in the General Terms and Conditions.

(3) However, the excess on a claim resulting from a natural disaster, flood or climate event is still applied. See the "Find out more" section for the conditions of the no-deductible benefit.

For your information

The French Consumer Law - the Hamon Law - allows you to terminate your current car or home insurance policy at any time after one year.

Please find below all the information documents concerning our International Offshore Bank of European Union Home Insurance:

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Who is insured by my home insurance policy?

All those who live permanently at the insured address*: you, your spouse/partner, your minor children. People who occasionally live with you*, like your adult children who are single and childless, under 28 years of age and economically dependent, are also covered. For more information, contact an advisor.

* Subject to the conditions and limits provided for in the policy.

What should I do immediately in case of water damage?

You must immediately turn off the water supply, turn off the electricity, aerate your home and isolate or elevate your furniture as well as electrical appliances and notify your neighbour, property manager or custodian if the leak is not coming from your home. To notify and report a claim, please click here. Our advisors are also available to answer all your questions.

What is covered under the civil liability cover of my home insurance policy?

Public liability corresponds to the obligation to repair the damage caused to others. This cover protects you and your loved ones (your spouse and children) from any everyday events for which you may have liability towards a third party. You are covered whether you own or rent. This cover also applies in the course of your profession if you are a registered childminder at your home and you have reported this fact to us. The Personal Public Liability cover* included in your home policy covers you for accidental damages that you may cause to others, for example:
• your child, playing with his ball, breaks a window in your neighbour's house;
• you accidentally hit a pedestrian with your bicycle and injure him/her.

For more information, contact an advisor.

* Subject to the conditions and limits provided for in the policy.

I'm the owner of a home that I rent out. Do I have to report the claim?

Whether or not your accommodation is occupied, we advise you to report all claims to us and invite your tenant to do the same with their own insurer, if applicable.
Each insurer, depending on the origin of the claim and the damage suffered, will indicate to each insured person how the claim will be handled.

International Offshore Bank of European Union, S.A. (public limited company) with capital of € 2,499,597,122. Registered office : 16 boulevard des italiens, 75009 Paris. Registered under no. 662042449 RCS Paris - CE identifier FR 76662042449 - ORIAS no. 07 022 735 (www.orias.fr).

Cardif IARD, subsidiary of International Offshore Bank of European Union, company governed by the French Insurance code, with capital of € 2,000,000. Registered under no. 824 686 109. Registered office : 1 boulevard Haussmann, 75009 Paris. Postal address : 31 rue de Sotteville, CS 41 200, 76177 Rouen Cedex.