Eurosud Info

Code name : H99

EUROSUD SWATON is the insurance broker for H99, the famous skyscraper wich has been designed by the renowed architect, Jean-Baptiste Pietri. The tower is the flagship construction worksite of the new Euroméditerranée district which is the showcase for the regeneration of Marseille in France.

With its 99,9 meters in height, it will be the first residential skyscraper built in France since the 0s. Consisting of three modules set one upon the other (City View, Sea View and Sky View), it will stand facing the sea and contain 149 apartments, all enjoying the view.

Insurance company in Marseille : All our offers

Clause de valeur à neuf

Clause de valeur à neuf Applies generally to mean the cost of replacement. In the event of fire, to a building covered by a policy with a replacement clause, repairs or replacement will be made with material of like kind and quality without cost to theinsured for depreciation or betterment.  
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Q : What is the difference between an "all risks" policy and a "named perils" policy?

Q : What is the difference between an A : A named perils policy covers losses that are caused by specific perils listed in the policy. The perils typically covered include fire, windstorm, hail, and other direct physical losses. An all risks policy covers losses that are caused by any peril except those specifically excluded in the pol [...]
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Attestation

Attestation A form which verifies that a policy has been written and states the coverage in general, often used as proof of insurance in loan transactions and for other legal requirements.  
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Our insurance activity

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Avenant

Avenant An attachment to a policy that modifies its conditions by expanding or restricting benefits or excluding certain conditions from coverage.  
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Conduite accompagnée

Conduite accompagnée This is like a restricted licence that allows you to drive only if you have another fully licenced driver in the car with you. It is usually used for children over sixteen and it must be declared to your insurance company who has no choice but to accept the risk.  
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Assistance

Assistance This coverage pays for your towing services in case you are stuck at the side of the road with a non-functioning car.  
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Construction en dur

Construction en dur Refers to a building where at least 80% of the exterior walls are of some type of masonry construction, i.e., brick, stone or hollow masonry tile, poured concrete or reinforced concrete, or hollow masonry block.  
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Q : What is the biggest piece of business handled by Eurosud Assurances?

Q : What is the biggest piece of business handled by Eurosud Assurances? A : Eurosud Assurances is one of the leading local provider of cover in a number of specialist areas. Some of our most renowned accounts, for which we are handeling the brokerage, are the city of Marseille and the metro of Marseille.
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Q : How much should I insure the buildings for?

Q : How much should I insure the buildings for? A : Most people think they should insure their home at its market value. This is not the case. The sum insured should cover the cost of rebuilding the house. The rebuild value is the full reconstruction cost of the house and its outbuildings, barns,.... It should also include any associated costs, s [...]
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Q : Can you use a foreign no claim discount?

Q : Can you use a foreign no claim discount? A : If you decide to take out a policy with us, we will have to create for you a French no claim bonus. In order to be able to do that you will have to provide evidence of your foreign no claim discount. This can take the form of a letter from your last insurer indicating your level of no claim dis [...]
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Bureau central de tarification

Bureau central de tarification It is a special Quotation Committee that names an insurer which has to give a quotation, if for any reason, all insurers refuse a risk that has to be insured, by law.  
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Commission

Commission That portion of the premium paid to the insurance broker as compensation for his services.  
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Carte verte

Carte verte It is your certificate of Motor Insurance. It includes a detachable coupon which should be apposed on the windshield. The green coupon is considered proof that you are insured to drive your car in member countries of the European Union.  
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Q : Do I insure my buildings for the market value? If not how do I calculate my buildings sum insured?

Q : Do I insure my buildings for the market value? If not how do I calculate my buildings sum insured? A : In selecting an appropriate amount of coverage, be sure to avoid the most common consumer mistake - insuring your home for what it costs to sell (the market value), rather than what it costs to replace. Homeowner policies are designed to cover the cost of reconstructing your home should it eve [...]
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Coût de reconstruction étendu

Coût de reconstruction étendu No matter how careful you are when appraising your home, it is possible to underestimate the replacement cost of the building. The Guaranteed replacement cost option protects you from being under-assessed, and will make up for any difference in the replacement value, or will provide you with added c [...]
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Accessoires

Accessoires Items not included in standard insurance options available for cars. These may include extra electronic equipments or exterior items.
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HISCOX

INSURANCE IN FRANCE is one of HISCOX preferred partner for home and contents insurance. HISCOX is a specialist home insurer. The company has been awarded five stars by independent researchers for the past nine years.   Just like HISCOX, INSURANCE IN FRANCE understands that when it comes to insurin [...]
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Q : Should I purchase my french insurance through a broker or an agent?

Q : Should I purchase my french insurance through a broker or an agent? A: There is a significant difference between purchasing your french insurance through an insurance broker versus from a insurance agent or even a bank. Rather than being "sold" the one product line offered by the direct channel, a broker like EUROSUD SWATON works with several quality insurers. By pr [...]
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Construction type

Construction type The construction type of your property contributes to determinating your premium. Generally, if your home is of a more solid construction like brick or brick veneer, your insurance will be lower. This is because these materials are less combustible than other building materials.  
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Assurance du contenu

Assurance du contenu This coverage includes protection for all your personal property you normally keep in your unit and on your lot. It is commonly called contents insurance. You can purchase All-risk or Named perils contents coverage.  
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Testimonials

Testimonials "Moving to Provence, Eurosud Assurances has been a brilliant team to work with and they have managed to sort out all my insurances in the most efficient and cost effective way. Not only are they good in providing the right insurance, but they are also extremely supportive when you have had a probl [...]
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Cas de force majeure

Cas de force majeure A sudden and violent act of nature which could not have been foreseen or prevented.
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Our insurance activity

Our insurance activity
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Q : How can I cancel an insurance policy?

Q : How can I cancel an insurance policy? A : In France Insurance is automatically renewed. If you do not cancel your insurance, you will automatically be reinsured and will be responsible for the premiums for the next term, even if you no longer want the insurance.   Normally, if you do not want your French insurance policies renewed, yo [...]
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Acompte

Acompte The premium paid at the inception of a insurance contract which provides for future premium adjustments. It is a percentage of what the final premium.  
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Q : Can I include my Fine Art, Antiques and Jewellery under my household contract?

Q : Can I include my Fine Art, Antiques and Jewellery under my household contract? A : All our products have the facility to cover your valuables and personal possessions as part of the building and contents contract. Also, we propose policies that do not contain article' limits so you do not need to worry about specifying every individual item.   If specified Fine Art is damage [...]
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Catastrophes naturelles

Catastrophes naturelles The hazard of large loss by reason of occurrence of a peril to which a very large number of insured are subject. An example would be widespread loss due to a very heavy rain.
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Q : Does my policy cover me to drive other cars?

Q : Does my policy cover me to drive other cars? A : In France there is no restriction as to what car you drive. If the car is insured, it is insured for everyone. If your car is damaged while being driven by an inexperienced or young driver their will be an additional excess applied to the compulsory excess shown on your schedule.
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Q : Am I insured to drive anyone's car ?

Q : Am I insured to drive anyone's car ? A : In france car insurance is attached to the vehicle. If you use someone's car you will be insured by their policy. Your personal car insurance policy cannot cover you for the use of other vehicles.
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