It covers specific goods on a well-defined route.

It is of indefinite duration. The insured shall inform the insurer of the total value of the goods and the number of shipments planned.

You simply have to inform SAAR each time a trip is undertaken.
You have the possibility to subscribe by filling in the online questionnaire, wherein a quotation will be made and you will be contacted as soon as possible.

Civil liability is the legal obligation to compensate for damage that a natural or legal person has caused to a third party.

In the course of your professional activities, the operation of your business, the marketing of your products or their use, or the services you provide, you may cause damage to your customers or other third parties.

This is why a professional civil liability insurance is indispensable. It is a cover, a security. It allows you to secure a long lifespan for your company in the face of major risks. Thanks to it, you can guarantee:

• body injury,
• property damage,
• immaterial damage caused to any natural or legal person.

You have to distinguish between:

• Operating civil liability

It covers only damage caused in the course of the company’s business.

• Professional liability

Pro CL covers you when the loss results from the company’s services.
It allows you to answer for an error, fault, omission or any damage to someone or something, as the basis of professional coverage.

The insurance premium for professional civil liability is calculated on the basis of the turnover, staff number and, above all, activities carried out by your company.

To subscribe or for further details, please contact us.

Civil liability is the legal obligation to compensate for damage that a natural or legal person has caused to a third party.

Civil Liability during work and after delivery repairs bodily injury, material, immaterial (consecutive and non-consecutive) damage caused to a third party, in the course of your professional activity.
If you have delivered a product that does not meet the customer’s expectations, in accordance with your specifications; If you deliver a product that causes damage to a customer (Examples: the installation of a faulty meter that explodes and creates a fire at the customer’s home; After the commissioning of a construction site, there is pavement subsidence); Your civil liability is engaged.
To subscribe or for further details, please contact us.

Decennial civil liability insurance is a guarantee that every building constructor (craftsman, property developer, builder, contractor) must take out.
This insurance protects the builder’s civil liability for ten years after the acceptance of the work.
It makes it possible to finance repair work in the event of damage noted by the owner of the work.
This warranty covers construction defects that may compromise the solidity of the structure (example: subsidence of a structure), its habitability (water and airtightness problem), or that may render it unfit for its intended use (example: malfunction of the sewer system).
The decennial guarantee covers the foundation, framework, viability, enclosure and covered works.
It does not cover aesthetic damage, damage resulting from the actions of a third party or related to the behaviour of the building’s occupants.
To subscribe or for further details, please contact us.

Guarantees lighten the cash flow of companies by allowing them:

• to avoid disbursements;
• to expedite cash receipts, for example, in the case of duty deferment guarantees and guaranteed bonds that provide the possibility of deferring payment of customs duties due on imported goods;
• to defer payments by, for example, obtaining duty deferment guarantees and guaranteed bonds which offer the company the possibility of having advance payments in connection with the performance of a public contract.

Surety guarantee is a contract by which SAAR undertakes to reimburse the commitments of the insured when the latter defaults.

We accompany you in the following types of guarantees:

• Market guarantees
• Customs or tax guarantees
• Professional guarantees
• Supplier guarantees
• Bank guarantees

To subscribe, we invite you to contact us so that our manager can provide you with all the documents required for the analysis and establishment of your insurance policy and the certificate of guarantee.

To subscribe or for further details, please contact us.

Saar Travel Assistance guarantees the insured with immediate assistance in the event of urgent, unforeseeable and fortuitous difficulties that may arise during a stay abroad, exclusively in the following cases:

• Coverage of medical, hospitalization, and surgical expenses following an illness or accident occurring in the SHENGEN area of up to CFAF 20 000 000 (Euros 30 000), with a deductible of Euros 32 800.
• The repatriation of the body to the place of burial in the event of the death of the insured, with no limit on costs;
• Medical repatriation or medical evacuation in the event of accident or illness, with no limit on cost;
• Criminal bail in case of legal problems up to CFAF 10 000 720 (Euros 15 254);
• Transmission of urgent messages: unlimited
• Cash advance in case of loss of air ticket, credit card, identity papers, etc… up to CFAF 1 000 000 (Euros 1 524.39).

N.B. All services must be subject to the prior approval of MAPFRE ASISTENCIA France, which can be reached on 00 33 4 37 28 98 99 within France or on 33 33 4 37 28 98 outside France.

Do you wish to make a real estate purchase and borrow over several years? Subscribe to real estate loan insurance, also known as loan insurance.
This insurance guarantees that your loan will be repaid in the occurrence of a serious event.
SAAR allows you to prevent your loved ones from having to pay back your loan as a cumbersome financial burden, if something happens to you. Or simply that your standard of living and that of your family changes due to your inability to repay your loan.

To subscribe or for further details, please contact us.

Home insurance offers optimal coverage. It takes care of:

• Your civil liability, with regard to third parties
• Water damage to your belongings
• Fire in your home
• Glass breakage
• Theft of your property
• Your family safety against accidents

Family heads and any person with dependent descendants, owners or tenants of a house.

Kindly contact us, and a manager will advise you and determine your premium.
You will have to fill in a form with information about your accommodation, its surface area, contents, number of inhabitants, your profile (if you are a landlord or tenant), any past disasters, etc.

Head of family civil liability refers to the legal obligation to compensate for damage committed to a third party by yourself or a relative living in your household.

For this liability to be engaged, the victim will have to establish evidence of fault and damage, as well as a causal link between the two.

This insurance covers material and immaterial damages caused by:

• Yourself
• Your partner
• Your Children
• Your ascendant if they live with you
• Your domestic employees in the course of their duties
• Your pets

You will find this guarantee in your multi-risk home insurance policy.

To subscribe or for further details, please contact us.

In the event of the accidental death of the insured, SAAR undertakes to make available to his heirs, the capital determined by the insured himself.

In the event of permanent and total disability resulting from an accident, SAAR will pay the insured, on the basis of the degree of disability determined after a counter-assessment, the maximum capital determined by the insured.

The insured will receive compensation proportionate to the degree of disability determined after a counter-assessment.

N.B. It should be noted that death and total disability benefits cannot be cumulated.

Thanks to his health card, the insured benefits from direct coverage. Or, SAAR reimburses up to the ceiling provided, the disbursements made by the insured, upon presentation of supporting documents.

Saar Santé Confort offers you excellent health coverage with advantages linked to subscription to the product:

• Individual health insurance with unlimited care coverage
• No deductible: you pay nothing (except for the Platinum coverage)
• No age limit (except for your first subscription)
• In the event of hospitalization, we handle your air ticket (by conventional plane or air ambulance, if necessary) to the University Clinic of Navarra
• Your health check-up in 24 hours at €2000 instead of €4000
• 25% discount on your consultations and tests in case of pre-existing illness

Any individual aged 65 or younger at the time of subscription
Any company or association for its staff and members

You can subscribe to the product from €150 excl. tax/year.

To get a quote, simply fill out the “health questionnaire” with information about your identity, age, location, medical history and choose one of 3 coverage schemes:

• Scheme 1: Cauris
• Scheme 2: Gold
• Scheme 3: Platinum

To subscribe or for further details, please contact us.

You can subscribe to the product from €150 excl. tax/year.

To get a quote, simply fill out the “health questionnaire” with information about your identity, age, location, medical history and choose one of 3 coverage schemes:

• Scheme 1: Cauris
• Scheme 2: Gold
• Scheme 3: Platinum

To subscribe or for further details, please contact us.

Saar Santé guarantees, within the limits of the reimbursement ceiling, the coverage of the following travel risks:

• Miscellaneous inconveniences
• Medical expenses and emergency hospitalization abroad
• Medical evacuation
• Death or permanent disability as a result of the accident
• Damage to baggage (loss and theft)
• Civil liability

Important advantages of the product

• Health expenses covered for the majority of benefits at 100% of actual costs
• The health assistance card is a real gateway that allows you to take care of yourself free of charge
• Variable guarantees throughout the world (excluding Cameroon)
• A cover for your premature return to Cameroon for the cases mentioned in the contract
• A translation and legal support service to facilitate your administrative procedures in the country of the disaster
• Unfailing compliance with insurance requirements for your holiday or work visa application.

Anyone already subscribed to a SAAR health policy.

To get a quote, simply fill out the “Sickness and Assistance” form with information on your age, country of stay and duration, your medical history and choose one of the 3 coverage schemes:

• Scheme 1: Classic
• Scheme 2: Silver
• Scheme 3: Gold

To subscribe or for further details, please contact us.

• Direct payment in an approved hospital centre or reimbursement of:
  • Medical and pharmaceutical expenses
  • Surgical fees
  • Hospitalization expenses – Laboratory tests
  • Radiology and ultrasound fees
  • Normal childbirth costs
• Coverage of up to CFAF 300 000 per person yearly

Any person wishing to take cover the health care of a parent living in a rural area. The parent must be a member of an MC2 and be at most 65 years old.

CFAF 10 000 excl. taxes per person yearly.

To subscribe or for further details, please contact us.