What is a Head of Household Civil Liability extension guarantee in a Comprehensive Home insurance policy?
The Head of Household Civil Liability extension guarantee included in a comprehensive home insurance policy covers you against financial losses due to damage caused by your domestic staff, as well as persons or pets under your responsibility.
The benefits of the Head of Household Civil Liability extension guarantee in a Comprehensive Home insurance
In everyday life, one can in one way or the other cause an injury to someone or destroy their properties. The consequences of such damages can be financially heavy. It is therefore advisable to take out a Head of Household Civil Liability extension guarantee in a Comprehensive Home insurance policy. What is it about? How does this guarantee work? We will talk about it in this article.
Who are those covered by the Head of Household Civil Liability extension guarantee in a Comprehensive Home insurance policy?
The Comprehensive Home insurance offered by insurance companies in Cameroon like ZENITHE Insurance, includes several guarantees amongst which is, the Head of Household Civil Liability. It is founded on the basis of articles 1382 and 1384 of the Civil Code.
Following the terms of article 1382 of the Civil Code, “Any action whatsoever of a person which causes a loss to others, obliges the person at fault to repair the loss. [...] ”. Article 1384 on its part states that: "We are not only responsible for damages caused by ourselves, but also by those caused by persons under our responsibility or things under one’s care”.
Therefore, the Head of Household Civil Liability extension guarantee in a Comprehensive Home insurance policy covers the head of the family who is the main insured, his spouse, his children, his domestic staff and pets in the same home as the insured.
What the Head of Household Civil Liability extension guarantee in a Comprehensive Home insurance policy covers
The Head of Household Civil Liability guarantee in a Comprehensive Home insurance offered by insurers in Cameroon could be tort, quasi-tort or contractual. It ensures your solvency in the event of losses caused to others. If one of the people cited above is the cause, your insurance company will cover the expenses that come with the loss.
It is therefore, a guarantee that covers the financial expenses on damages caused to others.
This guarantee covers;
- Body injury;
- Material damage;
- Non-material damage as a result of material or body injury
We can also note that the Head of Household Civil Liability could also be subscribed separately from the Comprehensive Home Insurance.
How to benefit from the Head of Household Civil Liability
The Head of Household Civil Liability cover is not automatically engaged in the case of damages caused to others. For the liability of the insured to be engaged, there must be an established report linking the fault and damage to the insured.
It is important to note that this guarantee does not cover damage caused to the insured or to his relatives. The insured who wishes to be protected from financial loss following bodily injury must subscribe a Personal Accident insurance in addition. Any fault with the intention to cause harm is also excluded.
Why take out a Comprehensive Home insurance policy with an extension of Head of Household Civil Liability coverage?
Damages caused to others can be very costly. By subscribing a Comprehensive Home insurance which includes a Head of Household Civil Liability guarantee, you can be assisted by your insurer during the compensation of a third party. In the case of a huge loss, you will be protected against possible personal bankruptcy.