Decennial insurance with no history: first policy or return to activity
Have you never had decennial insurance, or are you resuming work after a long break? With no history, the insurer cannot rely on your past claims record. Lev Assurances helps you prove your experience and present a convincing file.
- Former employees setting up
- Returning after a break
- Tradespeople trained abroad
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How to prove your experience
- Diplomas and certifications
- Employment certificates and payslips
- References from former employers
- Photos and project references
- Training completed
Getting decennial cover with no history
“No history” means the insurer has no decennial insurance record in your name: a first policy after working as an employee, a return after several years out, or experience gained abroad. It is not an obstacle in itself, but your file must make up for the lack of history.
Insurers then assess your real competence: trade qualifications, documented years of experience, project references. Experience gained abroad can be taken into account if backed by translated documents.
Start with the activities you master best: a scope consistent with your experience makes acceptance easier and keeps the premium down. You can widen it later. See covered activities and exclusions.
If you are also starting your business, see our page on decennial insurance for a new business. If you are refused several times, the Bureau central de tarification route is explained on our decennial insurance after cancellation page.
More about decennial insurance
Construction insurance
Overview of construction insurance in France: decennial, dommages-ouvrage, professional liability.
Decennial liability (BTP)
Our main page on decennial insurance for construction professionals.
Decennial certificate
What the certificate must contain and when to give it to the client.
Covered activities and exclusions
Why declared activities determine what is covered.
Dommages-ouvrage insurance
The project owner’s insurance, complementary to decennial cover.
How we review your decennial insurance
Describe your activity
Your trade, techniques, turnover and share of subcontracting help target the right covers.
Gather your documents
Business registration, qualifications or proof of experience, previous certificates and claims history if any.
Review the offers
Covered activities, limits, excesses and exclusions are reviewed with you before signing.
Receive your certificate
Once the contract is in force, the decennial certificate can be attached to your quotes and invoices.
Let’s review your decennial insurance
Tell us about your activity, your experience and your projects: Lev Assurances reviews your file, looks for available solutions and, if an insurer accepts, supports you until you receive your certificate.
Frequently asked questions
Can I get decennial insurance if I have never been insured?
Yes, by proving your experience and qualifications in the trade.
Which documents should I provide?
Diplomas, employment certificates, payslips, references from former employers, project references and photos.
Does experience abroad count?
It can be taken into account if it is documented (certificates, translated references).
Will the premium be higher?
It may be at first, for lack of history; it then evolves with your claims record and seniority.
How do I start?
Send your request via the quote page or call +33 1 41 81 60 94.
Decennial insurance suited to your trade
Decennial insurance is chosen according to the activities you actually carry out, your experience and your projects. Lev Assurances helps you declare the right activities and understand your contract — Lev Assurances, broker registered with ORIAS no. 24001858, supervised by the ACPR (French Prudential Supervision and Resolution Authority).