Definition : Insurance - Exclusions

Risks or property that are not covered by the insurance contract, for example floodsgraduals damages or earthquakes. These exclusions are described in the insurance policy.

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Le fonds d’auto assurance est affecté au paiement des franchises prévues par les assurances souscrites par le syndicat et d'un montant additionnel raisonnable Questions : Qu'est-ce qu'un montant additionnel raisonnable? Comment fait-on pour connaitre la somme additionnelle? On doit se fier sur quoi exactement pour définir la somme additionnelle?
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Water damage is the leading cause of loss in co-ownership. They are also becoming more and more expensive, whether for syndicates or their insurers. And this is not surprising since the potential causes of loss are numerous. Over the past decade, the proportion of water damage has more than doubled in co-ownership.  In order to limit the extent of damage caused by water leaks, water leak detection systems have been created to detect any abnormal amount of water on the floor. This type of system also ensures the automatic closing of the main water inlet of the apartment. The objective is to be able to stop the source of water supply as soon as a leak is found.
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The insurance of the syndicate does not cover every possible risk as it contains exclusions and deductibles. To mitigate the risks, it is possible to subscribe complementary riders to the insurance policy. Their purpose is to extend – for higher insurance premiums – the insurance coverage and the limit of the indemnities, such as:
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