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Allianz Décennale: presentation, guarantees and limits in 2026
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Allianz Décennale is a professional insurance offer dedicated to the ten-year guarantee for builders and building craftsmen. This insurance covers damage compromising the solidity of the structure or rendering it unfit for its intended use, for ten years after acceptance of the work. This page provides a description of the main warranties, available options, contractual limitations and a summary comparison with other solutions in the same category. The focus is on practical use, the profiles concerned and what to check before taking out the policy, with the emphasis on verifiable, factual information.
.Feedback on Allianz Décennale
Commonly used by craftsmen, prime contractors and small construction companies. Contracts often mobilized for renovation or new construction sites, with frequent appreciation for the speed of issuing the insurance certificate. Strong point regularly mentioned: technical support and claims management network enabling targeted handling of complex claims.
Particularly relevant for profiles exposed to structural damage risks (masons, carpenters, general contractors) and for sites with a project owner requiring a ten-year certificate. Offer suited to companies with a stable business history and standardized worksites.
Limitations observed according to feedback: variable technical analysis times on complex claims, deductibles applicable on certain branches, and frequent exclusions relating to undeclared work or poor maintenance. Methods of proof and scope of cover may require particular attention when reading general conditions.
When should I subscribe to Allianz Décennale?
Allianz Décennale meets the legal and contractual need to cover builders' liability for damage affecting the solidity of a structure or rendering it unfit for its intended use for ten years after acceptance. This coverage protects against the financial consequences of repairs, mandatory upgrades and third-party recourse, as well as against the costs of legal defense related to claims under the Décennale.
.Profiles for which the offer is relevant:
- Newly-registered craftsman: securing first worksites and obtaining attestations requested by certain customers.
- Medium-sized company: coverage of current worksites and limitation of financial risks linked to structural defects.
- Project manager or coordinator: protection against recourse as defaulting builder or coordinator.
Specific strength: matching the insurer's network of expertise with the technical management of claims, which improves the responsiveness and quality of expert appraisals on complex cases, particularly useful for large-scale projects or those with high technical stakes.
Allianz Décennale is easy to underwrite and manage
Positioning for first-time buyers: contract requiring prior technical and financial evaluation. Typical requirements: presentation of business history, job description, professional qualifications and sometimes financial statement. Level of complexity assessed as moderate to high due to supporting documents requested and specific acceptance criteria depending on the nature of the work.
Elements facilitating underwriting and day-to-day management:
- possibility of requesting quotes online or via specialized broker .
- secure customer space for consulting certificates and managing contracts
- claim service with declaratory procedure and file tracking
- accompaniment by network of experts and pro advisors
- standard documents provided for responses to project owners
Allianz Décennale rates and packages
Basic package - Standard offer. Price: approx. €70 to €120/month depending on profile and activity. Main coverages: ten-year civil liability with ceilings in line with market practice, defense-recourse, issue of certificates. Profiles concerned: craftsmen and small businesses carrying out small to medium-sized projects.
- Decennial civil liability coverage
- Defense recourse
- Decennial certificate provided
Formule renforcée - Intermediate offer. Approximate price: around €120 to €250/month depending on costing and claims history. Main coverages: same basic coverages with higher ceilings, extended coverage for expert appraisal costs and additional coverages (consequential immaterial damage, site-related operational liability).
- Higher ceilings
- Payment of expert appraisal fees .
- Consecutive immaterial damage coverage .
Premium formula - Complete offer. Suggested price: over €250/month depending on activity and risks. Main guarantees: extended coverage, site assistance options, territorial extension, subcontractor coverage and customized, tailor-made guarantees. Profiles concerned: companies working on major sites, technical lots, or exposed to high risks.
- Extensions for subcontractors
- Site assistance and priority claims management .
- Tailor-made options depending on the type of work
Key Allianz Décennale guarantees
Main coverage: ten-year civil liability. Role: to cover damage affecting the solidity of the structure or rendering it unfit for its intended use for ten years from acceptance of the work. General operation: triggered once damage falling under the decennial civil liability has been observed, technical instruction by an expert, compensation for remedial work in accordance with contractual ceilings and terms.
- Objects covered: structure, foundations, load-bearing elements .
- Duration: 10 years from acceptance .
- Mechanism: claim declaration, expert appraisal, compensation .
Second key coverage: defense recourse and operational civil liability related to the construction site. Role: assumption of defense costs in the event of legal action being taken, and coverage for damage caused to third parties while work is being carried out. How it works: payment of legal fees and compensation, if any, up to contractual limits.
Second key coverage: defense costs and operating liability related to the worksite.Optional and complementary cover: proposals designed to cover specific needs not included in the basic cover. Common options: extension of coverage to subcontractors, buy-back or reduction of deductible, coordination damage insurance, enhanced legal protection, 24/7 site assistance, business interruption coverage related to a covered loss.
Interest of options according to profiles:
- Subcontractors: extended coverage to avoid gaps between contracts .
- Companies with high financial stakes: franchise buyout to limit financial impact
- Sensitive worksites: priority worksite assistance and expertise
Ce que Allianz Décennale ne couvre pas
Typical contractual exclusions and limitations: damage resulting from faulty post-delivery maintenance, work carried out without prior declaration or which does not comply with standards, defects attributable to non-compliant materials supplied by the project owner, deliberate damage. Guarantee ceilings and deductibles may restrict effective compensation. Specific waiting periods may apply for certain extensions.
Alternative insurances to consider for needs not covered: damage-work insurance to guarantee rapid repair without prior recourse, separate business interruption coverage to cover the financial impact of business interruption, and specific policies for work involving particular risks (engineering structures, hydraulic structures, work under severe environmental constraints).
Summary of compromises to be accepted: the need to accept deductibles and ceilings adapted to the tariff, careful examination of exclusions linked to the nature of the work, and sometimes transmission of detailed technical and financial elements to obtain comprehensive coverage. Careful reading of general conditions recommended before signing.
FAQS
Is it reliable and secure?
Fiability and compliance: Allianz is a decades-established insurance group, subject to the European Solvency II prudential regime and authorized in France by the ACPR Banque de France. Financial strength and ratings published by rating agencies can be consulted via group reports. Data protection: processing in compliance with RGPD obligations and good data security practices.
- Authorization and supervision: ACPR Banque de France
- RGPD compliance and data security measures
- Prudential practices linked to Solvency II
Is it compatible with my other tools?
Subscription methods available: subscription in agency, via broker, by telephone and often partially online for quotation requests and certificate generation. Compatibility with other contracts: can be complemented by damage and construction insurance, operating liability coverage and group contracts as required. Frequent access restrictions: certain activities deemed risky may require special conditions or be excluded.
Compatible channels and devices:
- underwriting in agency or via broker .
- online interface and customer space
- attestation and document management via secure space
Is there responsive customer support?
Customer service and processing times: multi-channel services (agency, telephone, online customer area) with variable opening hours depending on the agency. Claims handling via a dedicated platform and network of experts, turnaround times announced depending on the technical complexity of the case. Support: possibility of a dedicated advisor for large business accounts, and alert systems for tracking files.
Contact channels
Usual contact channels:
- professional service telephone .
- local agencies
- online secure customer space
- brokers and partners
What do other users think?
Trends in policyholder feedback: recurring positive points and frequent criticisms observed on the market.
- Positive points: quality of expert network, availability of certificates, technical support during claims.
- Negative points: variable processing times on complex claims, sometimes high costs for enhanced cover, deductibles reported as significant by some policyholders.
Can I easily change later?
Cancellation and change of insurer: cancellation rights governed by French legislation (Hamon law for cancellation after 12 months, annual cancellation and measures such as the Châtel law for reminders). Infra-annual termination possible, depending on contractual terms and regulatory changes. Contract transfer or partial portability depends on coverage and contractual clauses.
Alternatives to consider as required:
- insurance dommage-ouvrage for rapid coverage of repairs .
- specialized policies for high-risk work
- mutualized solutions or group guarantees via professional federations
Alternatives
Specializing in business creation, sales and digital marketing, he puts his expertise at the service of users to help them identify the solutions best suited to their needs. Passionate about digital innovation and optimizing online performance, Alexis is committed to providing detailed, transparent and unbiased comparisons.
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