Insurance audit for guardians, curators and legal protection mandataries

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Insurance audit for guardians, curators and legal mandataries

As a guardian, curator or court-appointed mandatary (MJPM), you are responsible for the protected adult’s patrimonial decisions, including insurance contracts. Prialys, an independent broker, offers an audit of existing contracts solely in the protected person’s interest: verification of guarantees, premiums and compliance with the real-life situation.

  • Freedom of choice: Prialys, independent broker, freely compares market offers for your pet.
  • Savings: benefit from negotiated rates through our broker status and privileged partnerships.
  • Custom coverage: civil liability, damage, theft, engine breakdown, assistance — tailored to your vessel.
  • Support: a dedicated contact for subscription, management and claims.

Our insurance audit method for protected adults

  • Contract inventory: home, health, provident, funeral, civil liability, motor.
  • Relevance analysis: guarantees aligned with the protected person’s age, health and lifestyle.
  • Duplicate detection or unnecessary coverage that weighs on the budget.
  • Written report for the guardian, usable for the annual management report.
  • Compliance with the duty to inform and advise: no forced sale, neutrality of the independent broker.

How does the audit work for a protected adult?

You provide the current contracts (with court approval if required). We verify each guarantee, exclusion, price-to-protection ratio and adequacy to the protected person’s current situation. The report is neutral: no obligation to take out a new contract with Prialys.

  • Personalized quote: fill our online form in 2 minutes to receive offers tailored to your pet.
  • Offers comparison: Prialys compares offers from insurers specializing in pleasure peting.
  • Plan choice: select third-party, intermediate or all-risks coverage according to your needs.
  • Quick subscription: electronic signature and immediate certificate.
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Audit a protected person’s contracts

Insurance for protected adults: a sensitive matter

Persons under guardianship or curatorship keep their insurance contracts, but management falls on the legal representative. The guardian or MJPM must regularly verify that coverage remains adequate: entry into a care home, loss of autonomy, change of housing, inheritance. An oversized home insurance or an inappropriate funeral guarantee weighs heavily on a tight budget.

Prialys is not a judicial mandatary. Our role is solely to inform the guardian about existing contracts and propose, if needed, more suitable alternatives. The final choice remains the guardian’s, under the supervision of the guardianship judge.

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09 52 92 25 30

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Need detailed information about our pleasure pet insurance solutions? Our Prialys team, independent broker, is at your disposal to support you in choosing your coverage.

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What documents to subscribe to your cat insurance?

  • French registration deed or pet circulation card.
  • Pet license (if engine > 6 HP) — coastal or offshore card depending on area.
  • Purchase invoice or vessel value attestation.
  • Previous insurer's information statement (if applicable).
  • Photos of the pet, engine and equipment.

Frequently asked questions about cat insurance




 

CritèreDétails
Garantie DécèsCouvre le solde restant du crédit en cas de décès de l’assuré.
Invalidité Totale et Définitive (PTIA)Prend en charge la totalité du capital restant dû en cas d’invalidité complète.
Incapacité Temporaire de Travail (ITT)Remboursement des mensualités pendant l’arrêt de travail suite à un accident ou une maladie.
Perte d’emploi (optionnelle)Prend en charge une partie des mensualités en cas de perte d’emploi involontaire.
Limite d’âgeSouscription possible jusqu’à 65 ans, fin des garanties à 75 ans.

 




 

CritèreDétails
Garantie DécèsPrend en charge le remboursement total du crédit en cas de décès.
Invalidité Permanente Partielle ou TotalePrend en charge le remboursement selon le taux d’invalidité (IPT/IPT partielle ou totale).
Incapacité Temporaire de Travail (ITT)Remboursement des mensualités en cas d’incapacité temporaire suite à un accident ou une maladie.
Exonération des primesLes primes sont suspendues en cas de longue incapacité ou invalidité.
Limite d’âgeSouscription possible jusqu’à 60 ans, garanties actives jusqu’à 70 ans.

 

Documents for your cat insurance

Should you insure a cat without engine?

A cat without engine or with auxiliary engine under 6 HP can sail without license. Insurance is not mandatory but strongly advised, particularly civil liability for third-party damage (harbor collisions, infrastructure damage).

What coverage for offshore cruising cats?

For offshore navigation, all-risks insurance with geographical extension matching your program (Atlantic, Mediterranean, transatlantic) is essential. Prialys offers custom long-distance cruising contracts.

Is the rigging covered by cat insurance?

The rigging (mast, sails, fittings) is usually covered by intermediate and all-risks plans, with specific limits. Check conditions and exclusions, especially for technical racing sails.

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Talk to our broker

Adresse email : contact@prialys.fr
Téléphone : 09 52 92 25 30
Address: Miniparc 3 478, Rue de la Découverte CES 67624, 31670 Labège

    FAQ – Cat Insurance

    Which plan for your cat?

    Prialys offers 3 coverage levels (Essential, Comfort, Premium) with vet reimbursement up to 100%. Urinary, dental, kidney diseases, FIV/FeLV, neutering: your cat deserves tailored coverage. Prialys, independent broker, compares the best cat health insurance plans on the market.

    Why anticipate?

    Veterinary care for a cat can quickly exceed hundreds, even thousands of euros. A suitable insurance plan lets you provide care without compromise.

    Discover all our pet insurance plans