What damages are not covered?

What damages are not covered?

Liability coverage includes warranty exclusions, that is, cases and damages that are not covered. For example, it could be damage:

    whether you are chatting to yourself or chatting to your loved ones,
    that you cause intentionally,
    caused by an illegally kept, undeclared animal or by a dog that falls into the category of "dangerous dogs",
    caused by a motor vehicle, as specific insurance covers these cases,
    linked to a professional activity carried out at home, but here again, specific insurance exists.

This implies that if any of these events occur, you are responsible for compensating the victim. Indeed, none of these situations is covered by liability insurance.
What is partial liability insurance?

Some establishments offer partial civil liability, which supplements the cover provided by comprehensive home insurance. This partial civil liability includes other types of cover such as school insurance which covers children during journeys to and from school, activities offered within the school or carried out outside the school establishment. but supervised by the educational team. It can also cover a license issued by a federation which allows the practice of certain sports. Finally, this partial civil liability may include a snow and winter sports guarantee, insurance for motor vehicles, compulsory professional civil liability for liberals, etc.
How to obtain a civil liability guarantee?

It is possible to take out an independent guarantee of private civil liability. However, if you need to insure your primary residence, you can also take out civil liability coverage integrated into your home insurance contract. Although this guarantee is systematically included in "multi-risk home" insurance contracts, it is nevertheless necessary to take stock of the level of cover before taking out an independent guarantee for private civil liability. And for good reason, certain insurances are sometimes partial and limited.