AXA integrates relocation into its HRM contracts in the event of domestic violence

Care for victims of domestic violence continues to improve, notably through the mobilization of banking and insurance actors. Last example with date AXA France which has just announced the inclusion in these home insurance contracts of a guarantee to relocate victims of domestic violence.

FACTS

• All the housing contracts proposed by AXA France from 1 April 2025 benefit from new insurance guarantees designed to better cover the needs of victims of domestic violence. They are offered without charge.

• It is 2.5 million contracts, and so many homes, that are now benefiting from this extension.

• These guarantees are as follows:
  • psychological support in case of risk realization,
  • legal support,
  • financial support,
  • a 7-day emergency rehousing solution.

• This latter solution is presented as a first by AXA on the insurance sector. It should allow victims of domestic violence to request transportation to an anonymized temporary accommodation, to ensure the first stage of their escape from the marital home.

• The guarantee is intended for all insured persons on the MRH insurance contracts offered by AXA France, men and women combined, although AXA France states that it is aware that victims remain in the vast majority of women (85%). according to the Ministry of the Interior).

ISSUES

• Adapt an existing clause to another risk In the presentation of its initiative, AXA France spokesmen point out that rehousing clauses already existed to cover the needs of insured victims of flooding, fire or natural events. The opening of this guarantee represents an adjustment of the existing one and a better consideration of a real risk.

• A difficult context AXA thus highlights the figures which estimate that on average 373,000 women are victims of domestic violence in France each year. Or. dAfter the Women's Foundation, 4 out of 10 women victims of violence do not find a rehousing solution to ensure their departure from the marital home. Moreover, according to a National study on violent deaths in the couple carried out by the Ministry of the Interior in 2023, it is estimated that 79% of femicides are committed within the home itself.

• A responsible commitment : AXA finally underlines the common sense of its initiative and the responsibility of its generalised approach based on the integration of a new guarantee into all its contracts. AXA also highlights its long-standing commitment to this theme through its programme She's Angels worn by her subsidiary Juridica. The latter has provided support to more than 2,000 women since its launch in 2015.

PERSPECTIVE

• The specific needs of victims of domestic violence are increasingly being addressed by banking and insurance actors.

• AXA France is now proposing to develop its existing contracts in this direction. Previously, in France, two other actors have been involved.

• Credit Mutuel Federal Alliance created a bank offering specifically for victims of domestic violence in March 2024. Later last year, in November, it was also Caisse d'Epargne Hauts de France which chose the International Day for the Elimination of Violence against Women to ensure the official launch of its new system a simplified account opening within 48 hours for persons in distress.

Traduit automatiquement via Libretranslate / Automatically translated via Libretranslate