General conditions of sales

Presentation of the company, website and policies.

The Chapka Direct website accessible through the web address is edited by the company Aon France trading under the trademark Chapka Assurances, registered office located at 31-35 rue de la Fédération 75015 PARIS.

  • Insurance brokering company: simplified joint stock company with a capital of €46,027,140
  • RCS number: Paris 414 572 248
  • Financial guarantee and civil liability insurance in accordance with sections L.512-6 and L.512-7 from the Insurance Code.
  • Registered with Orias under No 07001560 (

Director of publications: Laurent BELHOUT.

Internet hosting supplied by OVH:

  • OVH, simplified joint-stock company with a capital of €500,000
  • registered office located at 140 quai du Sartel, 59100 Roubaix
  • RCS number: Roubaix-Tourcoing 424 761 419 00011
  • APE Code: 712Z
  • VAT No: FR 22-424-761-419-00011

Chapka Assurances is an insurance brokering company, as such; Chapka Assurances provides its users with an online insurance policy subscription service as well as information on those very policies.

Chapka Assurances will supply its services to the user provided the user commits to respecting these conditions of use that Chapka Assurances is free to amend at anytime. It is therefore recommended that the user regularly refers to the latest version of the Conditions of Use available at all times on the website.

Conditions of use of the website


The website and its content are legally protected under author’s and artistic copyright as well as patent rights.

Internet users are forbidden to copy or reproduce all or any part of the website content, except for personal use and unless specific authorisation has been given.

All rights reserved.

Validity of the information

The information provided on this website is general and for informative purposes only and should not be used without prior verification from the internet user.

Chapka Assurances cannot be held responsible for the direct or indirect consequences resulting from the use, consultation and interpretation of the supplied information, nor for the modification of the administrative and legal provisions arising after publication.

Chapka Assurances can modify the content of the sale offers without prior notice.

Link between the websites

Chapka Assurances puts forward links to external websites. Chapka Assurances cannot in any way be held responsible for their content.

Any link from an external website to the website must have received prior approval from Chapka Assurances.

Area of application:

The finalisation of an order through the website generates a valid contract between the customer and the insurance company whose general and specific terms and conditions apply.

Despite being accessible from all over the world, the policies and services offered on the website are not open to everyone. Some restrictions apply to each insurance policy. Those are listed at the time of subscription as well as in the policy’s general terms and conditions available at all time on the website.

The provisions pertaining to each offer appear in the products and services description included on the website. With each subscription, you must validate that you have read, understood and accepted all the policy’s general conditions (definitions, benefit amounts and caps, exclusions, procedures in case of an accident).

Only people over 18 years of age can subscribe to a policy on

Protection of personal information:

In application of sections 34 and 36 of the Data Protection Act No 78-17 dated 6 January 1978, you have the right to access, modify, rectify or suppress your personal information gathered on this website. In order to fulfil this right, please contact the following address by post: Chapka Assurances, 56 Rue Laffitte, 75009 Paris.

When you ask for a quote or when you subscribe online, we ask you for the personal information required to complete the transaction. Chapka Assurances commits to protecting your personal information and private life. We use the information you provide to record your quote requests and your policy subscription. This information is only communicated to the designated partner insurer for the policy you have selected.

We follow strict security procedures in regards to the storage and disclosure of the information you have provided us with, in order to avoid any unauthorised access.

Chapkadirect completed a declaration with CNIL (National Commission for Data Protection) . The website is registered with CNIL under number: 1235953.

General Data Protection Regulation:

This site uses Matomo to analyze traffic and help us to improve your user experience.

We process your email address and IP address and cookies are stored on your browser for 13 months. This data is anonymised and only processed by us and our web hosting platform. You have the ability to opt-out below to avoid being tracked.

Online subscription security:

Our server is secure. The company ATOS ORIGIN provides the reliability of the transactions completed on our website. ATOS ORIGIN’s software encrypts all your personal data necessary to register your policy, at the time of entry. During the one off  information transfer via the Internet, it cannot be read.

If you prefer, you can always give us your banking details over the phone or pay your policy by cheque.

Cancellation or amendment to the insurance policy

In case of cancellation or amendment prior to the effective date: any cancellation or amendment to a policy (name, date, destination, option, cover date, etc.) will incur fees. Depending on your contract, these management fees can be invoiced up to 15€ or 30€.

In case of cancellation or amendment after the effective date: the premium paid is kept in full. No refund can be offered.

ACPR – Regulating body

Like all insurance brokers, Chapka Assurances uses l'Autorité de Contrôle Prudentiel et de Résolution (ACPR) as a regulating body.

ACPR is an organisation that comes under Banque de France.

ACPR can be contacted at the following address:

ACPR - 4 Place de Budapest - CS 92459 - 75436 Paris Cedex 09

Tel : 01 49 95 40 00