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The insurance market is crowded: comprehensive home insurance, third-party or all-risk auto insurance, supplementary health, provident cover, mortgage protection, travel insurance… Each policy has its own logic, vocabulary and limits. The most common mistake is to focus on the monthly premium without looking at the deductible, the indemnity limit or the exclusions. At Calp, we systematically display these three indicators at the top of the comparison.

Auto insurance: third-party, intermediate or all-risk?

Third-party auto insurance covers only your civil liability; it is the legal minimum. The intermediate cover adds theft, fire and glass breakage. All-risk cover also reimburses your own damage, even when you are at fault in an accident. For a new or recent vehicle, all-risk is generally more cost-effective despite a higher premium. For a vehicle more than eight years old with a value below €4,000, extended third-party remains the right compromise.

Comprehensive home insurance: what really makes the difference

Home insurance is mandatory for tenants and strongly recommended for owners. The real comparison criteria are: the declared contents value (has it been reassessed recently?), the limit for valuables (jewellery, instruments, electronic equipment), electrical damage cover (still excluded from some entry-level policies) and legal protection cover (useful in a dispute with a neighbour or a tradesperson).

Supplementary health: out-of-pocket costs and direct billing

A good supplementary health plan is not measured by the number of its guarantees but by your out-of-pocket costs. Always ask for the amount reimbursed on a routine service (specialist consultation, glasses, dental care) and, if you wear progressive lenses or are undergoing orthodontic treatment, have your real situation simulated. Full direct billing, now standard, spares you from paying upfront at participating providers.

Travel insurance: before departure and after an incident

Travel insurance is often overlooked until the day it is missing. Three guarantees make the difference: cancellation (before departure), medical assistance and repatriation (during the trip) and lost or stolen luggage. Our travel plan covers trips of up to ninety consecutive days, includes snow sports at no extra cost, and works even for trips already booked, provided you subscribe within fifteen days of booking.