HSBC Garantie Habitation Habitation

Features

In a few clicks in your secure webspace, by telephone or in a branch:

• Carry out a simulation.
• Subscribe on the same day as you receive your quote, or take the time to think it over.
• Receive a certificate of insurance simultaneously with your subscription.

HSBC Garantie Habitation can cover your main home or second home and offers you :

• Efficient coverage with a high level of protection,
• An attractive premium,
• A range of options to ensure cover that matches your needs,
• Simplified management of your policy over the telephone

Damage insurance policies taken out through HSBC France underwritten by Allianz IARD, a limited company (SA) with share capital of €938,787,416, and governed by the French Insurance Code, whose registered address is 87, rue de Richelieu - 75002 Paris - N° 542 110 291 RCS Paris, and by Protexia, a limited company (SA) with share capital of  €1,895,248 - 9, boulevard des Italiens - RCS Paris 382 276 624 – managed by the intermediary Verspieren - a limited company (SA) with a Board of Directors  and Supervisory Board, with share capital of €1,000,000 - 1, avenue François-Mitterrand 59290 Wasquehal - Siren No. 321502049 - RCS Roubaix-Tourcoing - Orias No: 07 001 542 www.orias.fr. Companies governed by the French Insurance Code and subject to the Autorité de Contrôle des Assurances et des Mutuelles - ACAM: 61, rue Taitbout - 75436 Paris cedex 09
Legal information regarding HSBC France is provided in the terms & conditions section of the website.

• All the essential cover for a home insurance policy
• Added value cover
• Contents cover of up to €100,000
• 2 themed option packs
• The benefits of the HSBC Garantie Habitation policy

With a broad range of cover, options that allow you to tailor the policy and a very high level of protection, HSBC Garantie Habitation offers all you need to protect your home.

Core cover - the essentials

The core cover provided by HSBC Garantie Habitation includes:

• fire
• broken glass
• water damage
• disasters and natural events
• theft and vandalism
• personal liability: to cover you in the event that you are found responsible for material or physical accidental damage to someone else
• legal expenses

Added value cover

In order to provide you with better protection, HSBC Garantie Habitation automatically includes:

• electrical damage cover, covering damage to electrical and electronic equipment caused by lightning or electrical effects, as well as damage to foodstuffs in the event of the accidental failure of a fridge or freezer
• the “value as new” guarantee promises that you will receive the original value of any household electrical items, hi-fi and computer equipment that is under five years old in the event of damage 
• legal protection insurance offers help, advice and legal representation in the event of claims or disputes of various types
• “financial losses” cover, covering your monthly payments on a mortgage taken out with HSBC France in the event of a major claim⁽¹⁾
• cash advances following major claims
• support services in the event of a claim, moving house or to help deal with day-to-day problems

A high level of protection for your contents

There’s no need to estimate the value of your contents, the level of cover is automatically fixed according to the number of main rooms in the insured home:

• €50,000 for homes with up to 3 rooms
• €100,000 for homes with 4 or more rooms

Your valuable items are covered up to €5,000 per main room!

Two themed option packs

If required, HSBC Garantie Habitation can be complemented with optional cover packs:

• the Financial Pack increases the level of financial cover and doubles the value of contents and “valuable items”⁽²⁾ cover as well as eliminating the insurance excess⁽³⁾
• the Household Pack extends coverage to specific features of your home: legal liability relating to swimming pools, damage to verandas of more than 9m² and extension of coverage to outbuildings and related areas⁽⁴⁾

The benefits of the HSBC Garantie Habitation policy

• a single, simple and complete solution offering a high level of protection
• a wide range of cover to meet all your needs, from the most basic to the most specific
• premiums offering excellent value for money
• insurance of a second home does not require main residence to be insured with us

Subscribe on-line and set the date on which your policy begins:
immediately or at a future date⁽⁵⁾.

We will immediately make available to you a certificate of insurance and a letter of cancellation for your current policy.
Click here to download our french brochure

(1) maximum of 6 months and €8,000
(2) up to €60,000
(3) excluding natural disaster for which the amount is set by ministerial decree. Excluding legal excess.
(4) up to 200m²
(5) The policy start date depends on the date input when taking out the policy.

Damage insurance policies taken out through HSBC France underwritten by Allianz IARD, a limited company (SA) with share capital of €938,787,416, and governed by the French Insurance Code , whose registered address is 87, rue de Richelieu - 75002 Paris - No 542 110 291 RCS Paris, and underwritten by Protexia, a limited company (SA) with share capital of €1,895,248 - 9, boulevard des Italiens - RCS Paris 382 276 624 – managed by the intermediary Verspieren, a limited company (SA) with a Board of Directors and Supervisory Board, with share capital of €1,000,000 - 1, avenue François-Mitterrand 59290 Wasquehal - Siren No 321502049 - RCS Roubaix-Tourcoing - No Orias: 07 001 542 www.orias.fr. Companies governed by the French Insurance Code and subject to the Autorité de Contrôle des Assurances et des Mutuelles - ACAM: 61, rue Taitbout - 75436 Paris cedex 09
Legal information about HSBC France can be found in the “Legal information” terms & conditions section of the website.

It’s easy to get a premium quote and to subscribe

If you are already an HSBC customer, click “subscribe on-line” on this page, and you will be taken to the on-line account management login page.
You will automatically be redirected to the HSBC Garantie Habitation subscription page.
Here you can get a quote for your premium and then complete your subscription.
If you want to continue your subscription in a branch or with one of our telephone advisors, you will be able to access the premium quote provided on-line together.
If you are not yet an HSBC customer, make an appointment in a branch near you.

Damage insurance policies taken out through HSBC France by Allianz IARD, a limited company (S A ) with share capital of €938,787,416, and governed by the French Insurance Code, whose registered address is 87, rue de Richelieu - 75002 Paris - N 542 110 291 RCS Paris, and by Protexia, a limited company (SA) with share capital of €1,895,248 - 9, boulevard des Italiens - RCS Paris 382 276 624 – managed by the intermediary Verspieren, a limited company (SA) with a Board of Directors  and Supervisory Board, with share capital of €1,000,000 - 1, avenue François-Mitterrand 59290 Wasquehal - Siren n° 321502049 - RCS Roubaix-Tourcoing - N°Orias: 07 001 542 www.orias.fr. Companies governed by the French Insurance Code and subject to the Autorité de Contrôle des Assurances et des Mutuelles - ACAM: 61, rue Taitbout - 75436 Paris cedex 09
Legal information about HSBC France can be found in the terms & conditions section of the website.