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APROBAT Comprehensive construction site insurance (Section 1 – Damage and loss insurance) IPID EN

Résumé

Insurance Product Information Document (IPID) for Section 1 – Damage and loss insurance of APROBAT, the comprehensive construction site insurance presented under the brand "LALUX Assurances". Section 1 covers direct material damage comprising the destruction or damage of an insured object, excluding any immaterial damage, on the construction site(s) and property stipulated in the Special conditions. Cover runs during the construction-assembly-testing period and then during the maintenance period, and the insurable property includes the works and objects of the contracts, equipment, construction site huts and construction material and machinery. The document states that all those involved on the site are considered insured.

Définitions

Terme Définition Page
Direct material damage (Section 1) The Insurer covers direct material damage comprising the destruction or damage of an insured object, excluding any immaterial damage. p. 1
During the construction-assembly-testing period the insurer shall compensate the policyholder for any damage and losses affecting the insured property resulting from the performance of the insured work, provided that they occurred and were recorded during this period. p. 1
During the maintenance period the insurer shall compensate the policyholder for damage to the same permanently erected property (works, parts of works and equipment covered by the contracts) occurring during the performance by the insured persons of the works to which they are bound after provisional acceptance, pursuant to their works contract, and provided that such damage is caused during such performance. p. 1

Garanties

Direct material damage (Section1) - p. 1

Section1 : The Insurer covers direct material damage comprising the destruction or damage of an insured object, excluding any immaterial damage. - Portée : Construction site(s) and property stipulated in the Special conditions. · Limite : Compensation is determined by taking into consideration the normal costs (e.g. labour costs, replacement parts costs or architects’ fees) to be incurred to restore the damaged property to its original condition, limiting the amount for each property to its actual value immediately before the loss and deducting the salvage value (e.g. value of parts still in use), as well as any deductibles provided. · Franchise : as well as any deductibles provided (no amount stated in the document)

Insurable property — Works, objects of contracts including materials and construction elements intended to be incorporated therein - p. 1

Listed under "Insurable property, e.g.:" in the box "What is insured ?": Works, objects of contracts including materials and construction elements intended to be incorporated therein. - Portée : Construction site(s) and property stipulated in the Special conditions.

Insurable property — Equipment, i.e. machinery, apparatus and installations, objects of contracts - p. 1

Listed under "Insurable property, e.g.:" in the box "What is insured ?": Equipment, i.e. machinery, apparatus and installations, objects of contracts. - Portée : Construction site(s) and property stipulated in the Special conditions.

Insurable property — Construction site huts - p. 1

Listed under "Insurable property, e.g.:" in the box "What is insured ?": Construction site huts. - Portée : Construction site(s) and property stipulated in the Special conditions.

Insurable property — Construction material, equipment and machinery - p. 1

Listed under "Insurable property, e.g.:" in the box "What is insured ?": Construction material, equipment and machinery. - Portée : Construction site(s) and property stipulated in the Special conditions.

Cover during the construction-assembly-testing period - p. 1

During the construction-assembly-testing period: the insurer shall compensate the policyholder for any damage and losses affecting the insured property resulting from the performance of the insured work, provided that they occurred and were recorded during this period. - Portée : Construction site(s) and property stipulated in the Special conditions. - Condition : Provided that the damage and losses occurred and were recorded during this period. - Condition : Starts for objects to be assembled, building materials and components as well as huts, materials, equipment and construction machinery after unloading them on site. - Condition : Ends: For each structure, part of a structure (including its equipment) on the earlier of the following dates: end of the testing period provided for in the special conditions, provisional acceptance, occupation or commissioning. - Condition : Ends: For huts, materials, equipment and construction site machinery: upon their removal and at the latest at the end of the construction-assembly-testing period.

Cover during the maintenance period - p. 1

During the maintenance period: the insurer shall compensate the policyholder for damage to the same permanently erected property (works, parts of works and equipment covered by the contracts) occurring during the performance by the insured persons of the works to which they are bound after provisional acceptance, pursuant to their works contract, and provided that such damage is caused during such performance. - Portée : Construction site(s) and property stipulated in the Special conditions. - Condition : The damage must occur during the performance by the insured persons of the works to which they are bound after provisional acceptance, pursuant to their works contract, and be caused during such performance. - Condition : Maintenance period guarantee: begins for each work, part of the work (including its equipment) upon expiry of the guarantee provided for above under (a).

Exclusions

Exclusion Description S'applique à Page
Immaterial damage Stated inside the box "What is insured ?": The Insurer covers direct material damage comprising the destruction or damage of an insured object, excluding any immaterial damage. all p. 1
Malfunction, breakage or mechanical or electronic disturbance Restrictions in Section 1 of the insurance : Damage caused directly by: Malfunction, breakage or mechanical or electronic disturbance. Direct material damage (Section1) p. 1
Wear, fatigue, deterioration, lack of use, obsolescence Restrictions in Section 1 of the insurance : Damage caused directly by: Wear, fatigue, deterioration, lack of use, obsolescence. Direct material damage (Section1) p. 1
Failure to comply with contractual obligations, inherent defect of the materials, acts contrary to the rules of good workmanship Restrictions in Section 1 of the insurance : Damage caused directly by: Failure to comply with contractual obligations relating to the work, inherent defect of the materials, acts contrary to the rules of good workmanship. Direct material damage (Section1) p. 1
Non-material damage Restrictions in Section 1 of the insurance : Non-material damage such as lack of use, permanent overheads, loss of profit, loss of use, aesthetic depreciation, loss of clientele, penalties for delay in completing the work. Direct material damage (Section1) p. 1
Acts of terrorism General restrictions in the Comprehensive construction site insurance: The following are excluded: losses, damages and/or aggravations related directly or indirectly to acts of terrorism. all p. 1
Fraud, wilful misconduct or gross negligence General restrictions in the Comprehensive construction site insurance: Damage caused by fraud, wilful misconduct or gross negligence on the part of the insured person is excluded. all p. 1
Limitation of the compensation to the actual value, less salvage and deductibles Printed in the box "Are there any restrictions on cover ?": Compensation is determined by taking into consideration the normal costs (e.g. labour costs, replacement parts costs or architects’ fees) to be incurred to restore the damaged property to its original condition, limiting the amount for each property to its actual value immediately before the loss and deducting the salvage value (e.g. value of parts still in use), as well as any deductibles provided. all p. 1

Obligations de l'assuré

  • The policyholder is required in particular to inform the Insurer as soon as possible of: any new information likely to influence the seriousness, importance and duration of the risks, in particular in the event of an unusual interruption of work or any essential modification to the information provided by the policyholder at the time of taking out the insurance. (as soon as possible) p. 2
  • The policyholder is required in particular to inform the Insurer as soon as possible of: any increase in the value of the insured property for the purpose of adjusting benefits and premiums. The resulting increase in the Insurer’s liability shall only be acquired by express agreement. (as soon as possible · The resulting increase in the Insurer’s liability shall only be acquired by express agreement.) p. 2
  • The policyholder is required in particular to inform the Insurer of the total amount of the works contracts, at the latest three months after the end of the construction-assembly-testing period, unless the policyholder can justify the impossibility of meeting the deadline. (at the latest three months after the end of the construction-assembly-testing period) p. 2
  • Insured persons must exercise due diligence by taking all necessary measures to prevent losses and, more specifically: in the selection of the workforce. (During the contract) p. 2
  • Insured persons must exercise due diligence by taking all necessary measures to prevent losses and, more specifically: the maintenance in good working order of the equipment and installations used to carry out the work. (During the contract) p. 2
  • Insured persons must exercise due diligence by taking all necessary measures to prevent losses and, more specifically: by complying with the legal and administrative requirements in force, in particular those of the general work protection regulations. (During the contract) p. 2
  • Insured persons must exercise due diligence by taking all necessary measures to prevent losses and, more specifically: by complying with the terms and conditions for which they have made a declaration, or which have been imposed on them by the Insurer. (During the contract) p. 2
  • In the event of discovering a defect affecting an insured property, which is usually likely to exist in series in other property, the insured parties pledge to take all necessary protective and corrective measures at their own expense. (On discovery of the defect) p. 2
  • Insured persons must at all times allow the Insurer’s agents access to the site. (At all times) p. 2
  • The insurance contract provides for the forfeiture of the right to the benefit due to the non-performance of a specific obligation imposed by the contract when the breach is causally related to the occurrence of the loss. (Forfeiture of the right to the benefit when the breach is causally related to the occurrence of the loss.) p. 2

Durée & résiliation

  • Durée : Section 1 : a) The guarantee for the construction-assembly-testing period: Starts for objects to be assembled, building materials and components as well as huts, materials, equipment and construction machinery after unloading them on site. Ends: For each structure, part of a structure (including its equipment) on the earlier of the following dates: end of the testing period provided for in the special conditions, provisional acceptance, occupation or commissioning; For huts, materials, equipment and construction site machinery: upon their removal and at the latest at the end of the construction-assembly-testing period. b) Maintenance period guarantee: begins for each work, part of the work (including its equipment) upon expiry of the guarantee provided for above under (a).
  • Droit spécial : The box "How do I cancel the contract ?" states no cancellation terms. It prints, verbatim and in full: "Decide what to write, as the cancellation terms are different (single premium, etc.)." and "E.g. Cancellation is possible within 30 days of receipt of the contract documents" — an unfinished editorial placeholder, confirmed on a render of the published PDF. The 30-day figure is given by the document as an example ("E.g."), not as this contract's term, so it has not been recorded as a notice period.

Prime

  • The amount indicated for the premium is payable after receipt of the notice of due date or, if necessary, after receipt of the statement at the end of the work or in the event of an extension of the insurance.
  • The premium cannot be paid monthly.

Conditions particulières

  • Your advantage: all those involved on the site are considered insured, so there is no need to look for the person responsible, which ensures quick and easy settlement in the event of a claim. p. 1
  • The box "How do I cancel the contract ?" of the published document contains an editorial placeholder instead of the cancellation terms: "Decide what to write, as the cancellation terms are different (single premium, etc.)." followed by "E.g. Cancellation is possible within 30 days of receipt of the contract documents". p. 2
  • The box "What is not insured?" and the box "Are there any restrictions on cover ?" each end with the mention "Non-exhaustive list". p. 1
  • This document is not tailored to your specific needs and the information and obligations set out herein are not exhaustive. For full information on the rights and obligations of the insurance company and policyholders, please consult the general and/or special conditions relating to the insurance product chosen. p. 1

Lacunes d'extraction

  • MAJOR DEFECT — THE PUBLISHED IPID CONTAINS AN UNFINISHED EDITORIAL PLACEHOLDER. The box "How do I cancel the contract ?" (page 2, bottom) states no cancellation terms at all. It prints two dashes: "Decide what to write, as the cancellation terms are different (single premium, etc.)." and "E.g. Cancellation is possible within 30 days of receipt of the contract documents". The first is an instruction addressed to the document's own author, not to the policyholder; the second is explicitly flagged as an example ("E.g."). This was verified on an 8x render of the page band y=750-825: the text really is printed, in the same colour and size as the rest of the box, and is not hidden or off-canvas text. Consequently notice_period, methods and tacit_renewal are left NULL: the document does not state this contract's cancellation terms, and recording "30 days" as if it were the term would put a fact in the dataset that the document explicitly declines to assert. The two lines are kept verbatim in duration_and_cancellation.special_rights, in special_conditions and in key_quotes.
  • Carrier / risk bearer: the document names only the brand — "LALUX Assurances - Product : APROBAT Comprehensive construction site insurance" — and otherwise refers to "the Insurer" throughout. No licensed legal entity is named anywhere, so which lalux entity carries the risk cannot be read from this document and has not been asserted.
  • SECTION-HEADING / PLACEMENT DEFECTS (kept, not repaired). (a) The exclusion "excluding any immaterial damage" is printed inside the box "What is insured ?", not in "What is not insured?" — it is recorded as an exclusion because that is what it says, with its placement stated in its description. (b) The box "Are there any restrictions on cover ?" contains a single item which is not a restriction of scope but the indemnity-calculation rule (actual value, less salvage, less deductibles); recorded there as printed. (c) The heading is printed "What is not insured?" with no space before the question mark, while every other heading on the two pages uses a thin space (U+2009) — "What is insured ?", "Are there any restrictions on cover ?", "Where am I covered ?". Kept as printed, which is why the quotes differ in that character.
  • Insurer's own spelling preserved, not corrected: "Section1 :" with no space between "Section" and "1" (page 1, first line of the box "What is insured ?"), whereas page 2 prints "Section 1 : " with the space.
  • No claims procedure exists in this document: there is no box and no sentence describing how to declare a loss, to whom, or within what deadline. claims_procedure is therefore an empty array. This is a genuine absence, not a failed extraction — the obligations box covers only information duties, prevention duties and the forfeiture sanction.
  • deductibles: the document refers to "any deductibles provided" as a term of the indemnity calculation but states no amount, no percentage and no minimum anywhere. All deductible fields are therefore null except the page citation and the verbatim wording carried on the base coverage.
  • No monetary amount, capital, ceiling or sub-limit is printed anywhere in the document: the only figures are "three months", "30 days" (in the placeholder example) and the section number. The euro-glyph extraction trap does not arise because the document tabulates no amount at all; limits are expressed as a calculation rule (actual value less salvage and deductibles), which is recorded verbatim.
  • No edition date, version code or document reference is printed anywhere on the two pages; edition_date and reference left null.
  • Document scoping: this IPID covers only "Section 1 – Damage and loss insurance" of APROBAT. The right-hand box also carries "General restrictions in the Comprehensive construction site insurance", i.e. restrictions of the whole product, which are recorded with applies_to "all". Other sections of APROBAT are not described here and nothing about them has been inferred. variant carries the section designation; is_extension is false because Section 1 is a section of the product, not a rider bought on top of a base product.
  • target_audience left null: the document names no market segment, only "the policyholder", "the Insurer", "the insured persons" and "all those involved on the site". Deducing "entreprises" from the fact that it is a construction site insurance would be an inference.
  • Two-column reading-order check performed and NEGATIVE: page 1 is two columns (left x0≈22.7-204.3, right x0≈278.2-492.5), page 2 is single-column (x0≈65.0-107.6). Every item was re-attached to its box by the y-range of that box's heading and the result matches the flat text order; no exclusion landed in the cover list and no cover landed in the exclusion list. One ordering quirk that is NOT a column inversion: the title block, the disclaimer and the box "What type of insurance is it ?" are printed at the TOP of page 1 (y=29 to 236) but are emitted at the END of page 1 in the flat text, because they are drawn late in the content stream. Their page citation is unaffected.
  • Graphics layer: the bullet and cross markers are placed bitmap images, not text and not vector drawings. Page 1 carries 9 image blocks — 4 at x0=65.1 (7.2×7.9, the bullets of the four "Insurable property" items), 4 at x0=348.1 (7.2×7.2, the ✗ markers of the four exclusion items: "Damage caused directly by:", "Non-material damage...", "The following are excluded: ...terrorism", "Damage caused by fraud...") and 1 at x0=350.0 (2.4×8.9, the ! marker of the single restrictions item); 4+4+1=9, the count closes exactly against 4 property bullets, 4 exclusion bullets and 1 restriction bullet. Page 2 carries 1 image. The three sub-items of "Damage caused directly by:" are dashes in the text layer, not images, and are recorded as three separate exclusions. There is no formula or guarantee matrix in this document, so no membership had to be recovered from the graphics layer; is_optional is left null for every coverage because the document never says whether any of them is optional.
  • Text-layer integrity verified: our own PyMuPDF page.get_text("text") extraction is byte-identical to the document text supplied in the prompt (2 pages, no truncation). Character scan found no zero-width spaces, no soft hyphens, no PUA/Wingdings leftovers, no U+0007 vectorisation markers, no enciphered block and no ligature loss; the special characters present are 4 curly apostrophes (U+2019), thin spaces (U+2009) in the headings and en dashes (–), all preserved verbatim in key_quotes.
  • Language: this is the English version and it was extracted from its own text only. Nothing was borrowed from the French or German siblings of this IPID, including for the empty cancellation box — whatever those siblings may print there has deliberately not been used to fill it.

Source & fidélité