Professional multi-risk / Comprehensive damage

Professional Multi-risk insurance provides you with complete coverage for your property and liabilities.

The guarantees offered are as follows:

Fire, Theft, Water damage, Glass breakage, Machinery Breakdown, Computer All Risks, Company Manager CL

Fire  and  related  risks 

Your buildings, your facilities, your equipment are an important heritage that must be protected, whether you are a tenant or an owner.
For you, we cover:

    • fire and related risks;
    • electrical damage;
    • explosions and implosions;
    • deprivation of enjoyment;
    • expert fees;
    • indirect losses;
    • etc.

Theft 

Compensation from SAAR covers:

    • The content of your business area (furniture, documents, machines …);
    • Cash on hand, and in the safe;
    • Funds when moving from your premises to the bank and vice versa.

Water  damage 

SAAR guarantees the reimbursement of material damages caused accidentally:

    • to furniture, buildings, working documents, appliances etc. by the action of water.
    • As well as the liability of the insured for damage caused to others as a result.

Glass  breakage 

The Glass Breakage Warranty covers:

    • Damage to glass equipment
    • Additional costs thereto related
    • Provisional closure or security fees

Machinery  Breakdown 

Its aim is to protect your machine park.
SAAR covers you against breakdown caused to your:

    • machine tools;
    • generators;
    • material and equipment.

Computer  All  Risks 

This guarantee normally comes into effect from when a machine is put into service till when it is taken out of service. Travel, maintenance and repair periods are also covered by SAAR.
The risks covered here take into account:

    • Internal causes (inherent to the machine);
    • Human causes (clumsiness, misuse);
    • External causes (electrical factors, power surges, chance events, falling foreign body).

Professional  civil  liability 

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 employees, customers or other third parties.

This is why a business manager’s 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.

In business manager liability insurance, a distinction is made 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 premium for business manager’s civil liability insurance 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.

Machinery  breakdown  insurance 

Any damage to one of your machines can affect the rest of your business.

Usually the machinery breakdown insurance is included in the professional multi-risk contract. However, when you have expensive, new or leased machines, it is advisable to take out a specific contract. This insurance provides optimum protection for your machine park.

SAAR covers you against breakdowns and malfunctions occurring on your:

  • machine tools;
  • generators;
  • materials and equipment.

To subscribe or for further details,please contact us.

Global  banking 

“Global Banking” insurance is a comprehensive offer for financial institutions. It covers the following risks:

  • Civil liability of managers
  • Professional civil liability
  • Fire and related risks
  • Burglary or robbery
  • Cash transportation
  • Swindling/Fraud by employees and third parties
  • Water damage
  • Glass breakage
  • Computer all risks

To subscribe or for further details, please contact us.

Construction  All  Risks 

The construction of a building is an operation that requires the mobilization of financial and human resources. CAR insurance is subscribed by a legal or natural person who undertakes construction work; and who intervenes in the capacity of owner of the operation, or in the capacity of seller, agent of the project.

Throughout this process, the construction site is exposed to damage that can result from several factors:

  • A landslide
  • A storm, a flood,
  • Slab subsidence
  • Crane collapse
  • Wrong machine manoeuvre
  • A fire
  • Design flaws
  • Equipment theft
  • Etc.

The construction sites must be insured in case of damage and for civil liability. The following are thus covered:

  • The work from the opening of the site
  • Materials and equipment from the moment they arrive on site
  • Third parties (people involved in the construction site and neighbourhood)

The guarantee takes effect from the date of the declaration of opening of the construction site until the acceptance of the work, i.e. during the construction period itself.

In the event of a claim, SAAR compensates you without prior investigation of liability.

To subscribe or for further details, please contact us.

Erection/Testing  All  Risks 

This guarantee is often associated with the Construction All Risks, and is specifically applied to the assembly operations of machines, plants, technical facilities, industrial units and metal constructions.

The key difference between CAR and EAR coverage lies in the testing, tuning and commissioning of the machines at the end of the erection work, hence the name often used for EAR which is “Erection/Testing All Risks”.

Where a site involves building or Civil Engineering and Engineering, it is the predominance (in terms of capital) of the building/civil engineering or engineering that determines the nature of the coverage: EAR or CAR.

To subscribe or for further details, please contact us

Secup 2000

Fire causes huge damage and without any protection you risk losing:

  • Your building
  • Its content
  • Your freedom, and large sums of money for destroying the neighbourhood

By subscribing to Secup 2000, your assets are secured.

Product  warranties 

  • Appropriate logistics to accommodate you after the fire
  • The means necessary to reconstitute your property and buildings
  • Compensation for damage caused to others.

Eligibility 

  • Business managers
  • Liberal professions
  • Heads of families

Cost 

Below is a simulation

Building value or rental risk (CFA) Value of contents (CFA) Annual premium excluding tax (CFA)
15000000 2000000 20400
25000000 2000000 32400
40000000 3000000 54600

To subscribe or for further details, please contact us.

TRANSPORT

Transport insurance was created to cover risks related to the transportation of goods by land, sea or air (Example: damage, theft, late delivery, etc.).

SAAR guarantees goods handed over either to transport auxiliaries to be entrusted to public, air, maritime, rail or road carriers, including the Postal Administration, or directly to its carriers for transportation by land, in accordance with the regulations in force or recognised trade practices.
It applies to goods that are new, prepared or packaged for shipment.
Damages and losses can be covered by “All Risks” or “Characterized Accidents” insurance.

To subscribe or for further details, please contact us.

The “Free of Particular Average (FPA)” guarantee

It covers loss and damage to goods caused by an event listed in the policy.

You can choose between 3 types of contract:

Travel  policy 

It covers specific goods on a well-defined route.

Declaration  policy 

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

Open  policy 

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.

The  "All  Risks"  guarantee   

In this insurance, the insurer covers material damage and loss as well as loss of weight or quantity of the insured goods.
It only covers new goods. It does not cover all risks, some risks are formally excluded.

Operating civil liability

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

Operating civil liability covers the liability your business may incur as a result of its operations. It is coverage for damage you may cause in the course of your business.
If you or your employee, your subcontractor, cause damage to a third party; an object, a material that you use causes damage to a third party, your civil liability is engaged. It is this insurance that will compensate for the damage caused.
Damages can be bodily (injury to the physical integrity of a person), material (destruction of property), and immaterial (consecutive or non-consecutive).
Excluded from this contract are members of your family, your home servants, agents and employees.
Operating CL is different from Professional CL in the sense that your professional civil liability is engaged if a third party suffers damage as a result of your activity or your products. On the other hand, operational CL covers damage caused to third parties in the course of the daily life of the company, without being linked to the performance of your services.
To subscribe or for further details, please contact us.

Professional  civil  liability 

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  during  work  and  after  delivery 

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 

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 

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.

TRAVEL  INSURANCE 

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.

REAL  ESTATE  LOAN 

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.

Multi-risk home insurance

Multi-risk home insurance is a coverage that protects your home, its occupants, your property and your civil liability towards third parties against possible accidents in return for a premium.

Product  warranties 

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

Eligibility 

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

Subscription 

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.

Joker  Familial 

Joker Familial is tailored to allow you benefit from the guarantees of multi-risk home insurance at a flat rate.
To find out how this offer works, kindly contact us and a manager will advise you and determine your premium.

HEAD  OF  FAMILY  CIVIL  LIABILITY 

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.

INDIVIDUAL ACCIDENT

By virtue of your individual accident contract, SAAR guarantees the payment of the capital sums provided for in the event of:

  • Death;
  • Permanent total or partial disability;
  • Treatment costs.

Under this contract, accident refers to any unintentional bodily injury suffered by the victim and arising from the sudden action of an external cause.

To subscribe or for further details, please contact us.

Death 

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.

Permanent  and  total  disability 

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.

Permanent  and  partial  disability 

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.

Treatment  costs 

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.

Health insurance

SAAR’s health insurance covers the reimbursement of expenses incurred after an illness or accident. Therefore the company guarantees, within the limits chosen by the insured, the reimbursement of medical, hospitalization, pharmaceutical, surgical, preventorium, sanatorium, laboratory or radiology expenses…
Thanks to our Health products and our network of partners, you benefit from local and international coverage.

To subscribe or for further details, please contact us.

SAAR Santé Confort

Since beyond age 65, you are generally excluded from standard health policies;
Given that costs of care are often high in hospitals abroad, and the insurers’ coverage is capped;
Considering that there are few individual insurance products on the market at affordable prices;
Mindful that a state-of-the-art technical platform is necessary to detect anomalies and take action, or even treat so-called heavy pathologies;
Aware that booking an appointment with a specialist abroad is cumbersome;
Cognizant that costs of travelling abroad are high;
Conscious that a complete medical check-up abroad is expensive;

SAAR INSURANCE has created your health insurance solution with unlimited health care coverage, at an affordable price and a state-of-the-art medical service. In partnership with the University Clinic of Navarra, a pioneer in worldwide research and the use of advanced technology.

Product  warranties 

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

Eligibility 

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

Cost 

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.

Cost 

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

A “3” in “1” contract!
Thanks to this product, SAAR offers you a compilation of 3 risks:

  • Disease
  • Assistance
  • Medical evacuation.

Product  warranties 

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.

Eligibility 

Anyone already subscribed to a SAAR health policy.

Cost 

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.

MC2 Santé

Have you thought about taking care of the health of your relatives living in rural areas?
This is possible thanks to our product MC2 Santé.

Product  warranties 

  • 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

Eligibility 

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.

Cost 

CFAF 10 000 excl. taxes per person yearly.

To subscribe or for further details, please contact us.