Chapter VIII: Insurance against technological disasters

In the event of an accident at an installation covered by Title I of Book V of the Environmental Code and damaging a large number of properties, the state of technological disaster is declared by a decision of the administrative authority which specifies the areas and the period of occurrence of the damage to which the provisions of this chapter apply. The same provisions apply to accidents related to the…

Insurance contracts taken out by any natural person outside their professional activity and covering fire damage or any other damage to property used as a dwelling or placed in premises used as a dwelling located in France, as well as damage to the bodies of land motor vehicles, entitle the insured party to cover damage resulting from technological disasters affecting the property covered by these contracts. This cover also applies…

An insurance company acting under the terms of Article L. 128-2 is subrogated to the rights of insureds who have received compensation up to the amount of the sums paid in this respect. Any person who has suffered loss or damage as referred to in the same article L. 128-2 shall draw up a description of the loss or damage suffered with their insurance company. The amount of compensation paid…

In the zones and sectors, as defined in article L. 515-16 of the Environment Code, delimited by a technological risk prevention plan approved under the conditions provided for in article L. 515-22 of the same code, the obligation set out in the first paragraph of article L. 128-2 of this code is not binding on insurance undertakings in respect of the assets mentioned in the same article, with the exception,…