Belt and suspenders. The idea is absurd, even for the most anxious policyholders: “Just because you have two identical coverages does not mean you will be reimbursed twice! », recalls Olivier Moustacakis, co-founder of Assurland. It is even an essential principle of insurance law: it is not possible to enrich yourself through compensation for a loss. Common sense therefore dictates that we avoid duplicating insurance at all costs, but we still need to be aware of it. “The only solution is to read your contracts, even if it is tedious”, advises Delphine Bardou, deputy general director of Réassure-moi. In practice, few policyholders take the time to do this. “General insurance agents are there to provide advice. Checking that the insured is not covered twice for the same damage is part of their missions”recalls Mathieu Godart, General Manager Fires, Accidents, Miscellaneous Risks (IARD) and Partnerships at Axa France.
The main source of potential duplication, comprehensive home insurance (MRH) can include additional guarantees such as legal protection, school insurance or even the purchasing guarantee. It is therefore necessary to avoid taking out these same covers based on an HRM. But be careful, the level of guarantee is not always identical. Start by checking whether the insurance included in your home insurance covers all types of disputes (housing, health, consumption, auto, neighborhood, etc.) or only those related to housing. “At BNP Paribas Cardif, legal protection is offered as an option and relates exclusively to the insured property: the car in the context of car insurance, and the housing concerned for home insurance. This helps avoid duplicates »explains Hélène Thillier, general director of Cardif IARD.
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This involves thinking about your needs to check whether the guarantee offered by home insurance is sufficient or whether it is preferable to take it out in a specific way. “Beyond some basic guarantees in our home insurance, legal protection is offered as an option, the insured wishing broader coverage via specific insurance may therefore not take it out as part of their HRM”, explains Mathieu Godart, from Axa France. For its part, CNP Assurances does not offer legal protection in its home insurance, nor in the basic guarantees, nor as an option, but only in the form of specific insurance.
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