Unfortunately, accidents can happen all too easily throughout the course of our day-to-day lives: you break a neighbour's window while throwing a ball around with your children, your son injures the boy next door while playing a game - you are legally responsible for these mishaps.
In order to avoid the often considerable financial consequences, make sure you are well protected: the third-party liability insurance (or family personal liability insurance) provided by Foyer guarantees you peace of mind, whether you are at home, abroad or enjoying your leisure time.
Third-party liability insurance advantages
- Cover for each member of the family
- Protection everywhere in the world
- Cover for accidents caused by your pets
Que couvre l'assurance responsabilité civile familiale?
If you or any member of your family causes injury to another person or damage to the property of a third party, you are legally responsible and under obligation to compensate the victim(s).
The financial consequences of such incidents can be considerable - it is better to be safe than sorry by making sure you are well protected.
Third-party liability insurance, also known as family personal liability insurance, covers:
- physical injury and material damage sustained by other people,
- caused by any member of your household (you or your spouse, your children and any family members living under your roof),
- your pets or the buildings you own,
- whether the incident occurs at home, abroad or during your leisure time.
Some examples of when you are covered
Voici quelques exemples d'incidents couverts par votre assurance RC familiale :
- Your children are playing ball in the garden and break your neighbour's window.
- You are visiting relatives with your children and your son breaks a valuable vase.
- A friend comes to visit with a new camera. You trip and bang against the table where the camera is placed. It falls on the floor and is damaged.
- Your son is practising football in the garden: the ball goes out onto the road, surprising a driver who loses control of his vehicle and strikes a wall.
- Your cat damages your neighbour's flowerbed.
- You are windsurfing while on holiday and injure a swimmer.
