Defence and Recourse is the complementary guarantee of Civil Liability.
It covers you if a third-party inflicts physical or material damage on you or one of the persons insured by your contract.
In this case : you operate your defence and recourse insurance, and the third party will operate its civil liability insurance.
How does it work ?
You report the damage to us, and provide us with the information that are necessary to assess the amount of the damage.
We appeal to the third-party's insurance for this amount.
When we receive the compensation, we pay it back to you (the third party will directly pay you the amount of his or her deductible).
Which cases are not covered?
The Defence and Recourse guarantee is exercised within the same limits as civil liability.
It means that :
We will not be able to cover events prior to the subscription of the contract.
We will not be able to cover damages caused to you by a person who is not a third party
We will not be able to cover damage caused to you by a third party if you do not have their contact details
To consult the details of the guarantee, your general conditions are available at any time in your personal space, in the "Documents" section 📃
And for any questions, do not hesitate to contact us by email at email@example.com or on our chat 😺