Without insurance, nobody would circulate in the car, nobody would go skiing, nobody would repair his roof …. No insurance, no one would take a risk! But we can not do otherwise than take risks in life everyday, even if the accident is not inevitable.

A little history!
The appearance of insurance is a recent phenomenon in France she only dates from the end of the old regime (1686: Foundation of the Society of Insurance and big adventures), although in the fourteenth century Italian merchants had found a way to protect their vessels against loss in a shipwreck or due to misdeeds of pirates. They created associations to provide funds that could compensate them (Code of Amalfi). The development of insurance is related to economic and social transformations: the shift from an agricultural economy to a diversified economy has multiplied the causes of damage (industry, commerce), and the concentration of population in cities with the appearance of new homes and new ways of living has led to new plagues.


Danger, risk, accident … negative gearing should be anticipated
The principle of insurance is based on the concept of risk, that is to say, exposure to a potential danger inherent in a situation or activity which we could not face the financial consequences, whether related to property or persons. The danger is the prelude to the risk which is itself a prelude to the accident. Thus the danger was identified, the risk becomes perfectly describable, it is likely to occur but it is unclear if and when it will happen will happen. Insurance is a contract: in return for the payment of a fee, also called the premium, the insurer guarantees specified benefits to an individual, association or company in case of occurrence of a risk clearly identified in the contract. The notion of risk is a key concept for insurance, this is a random event dreaded by an insured for its financial consequences. The hazard is based on three criteria:

• the future: we can not secure a car accident that has already happened.
• uncertainty: we can not secure a definite risk that will happen at a known time.
• the involuntary: we can not assure that the insured causes damage or cause voluntarily.

Be sure to protect property and people
Damage insurance
The traditional role of insurance is to replace property destroyed or stolen. Moreover, today’s liability insurance in the field of domestic life, professional activity, vehicular traffic and recreation has grown considerably. In this case, we ensure against damage and potential damage caused involuntarily to third parties.

Property insurance and liability insurance are intended to protect the heritage of the insured. They are, for some grouped in “multiline” policies (homeowners’, property and casualty business …).

Property insurance are the most common fire insurance, theft insurance, water damage or broken windows but other types of events are automatically integrated (natural disasters, terrorist attacks, …) or available as options .

Personal insurance
Personal insurance covering risks which affect the person or in his physical (bodily injury insurance, health …) or in its existence (life insurance). They offer a comprehensive set of solutions for each situation.

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