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Direct answer: French motor responsabilité civile is compulsory; multirisque habitation and assurance-vie products are common but serve different jobs—do not mix savings wrappers with pure death cover.
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Motor
Assurance automobile responsabilité civile is compulsory. Guarantees (tiers, tous risques) change what is paid after a crash.
Home
Multirisque habitation is common; natural catastrophe regimes interact with national schemes.
Life assurance
Assurance-vie is a broad savings/insurance wrapper—do not confuse it with pure death cover (prévoyance / temporaires).
What to do this week
- Separate “tiers” vs “tous risques” before comparing price.
- For home, ask how cat nat participation works on your address.
- Confirm live rules with ACPR.
FAQ
- Is assurance-vie the same as life insurance?
- Not always. In France, assurance-vie often refers to a tax-wrapped savings product. Pure death cover is a different job—compare purpose before premium.