QUESTIONS / ANSWERS

In France, home insurance is a legal requirement for all tenants, whether students or not. This insurance protects your accommodation (studio, room, house, CROUS student housing) against major rental risks such as fire, explosions, or water damage. Without proof of home insurance, your landlord can refuse to give you the keys or terminate your lease. The basic home insurance policy offered by StudyAssur always guarantees you this legal minimum (tenant's liability).

Yes, everything is done directly online in just a few steps: quote, subscription, payment, signature, and certificate sent to your email. The entire subscription process takes only a few minutes, and you receive your insurance certificates directly in your email. Simple, easy, and economical, your home is insured in record time from your computer or mobile device !

To fully understand your coverage, it's important to distinguish between two essential components: Civil Liability, which covers damage you may accidentally cause to others outside your home, and Home Insurance, which protects your accommodation and personal belongings against damage. At StudyAssur, we know that your student life extends beyond your apartment. That's why we offer you the option to add the Personal, School, and Internship Civil Liability option to your home insurance policy for just a few euros per year. By subscribing to this option, you benefit from comprehensive coverage that protects you every day, both in your personal life and during your internships. Essential security for worry-free studying.

Indeed, when you cause harm to another person, even unintentionally, your civil liability is engaged and therefore implies compensation. This principle of compensation is clearly defined in Articles 1382 and 1383 of the Civil Code. The financial consequences when you are responsible for damage (bodily injury, property damage, or intangible losses) caused by fault, negligence, or recklessness can be substantial. With Civil Liability insurance, in the event of a claim, the insurance company covers the cost of repairing the damage you caused to others. Without personal liability insurance, you will be responsible for paying the damages necessary to repair the harm caused.

Moving ? No problem! With StudyAssur, you can independently modify your home insurance policy online, 24/7, 365 days a year. It's very simple: log in to your customer account and go to the « My Policies » section. For your policy, click the « Modify » button and proceed to step 4 to change the address. Simply changing your address without modifying the number of rooms or coverage is free of charge. After making this change, you will receive your new certificates by email within 5 minutes.

In the event of a claim, don’t panic: you’re never alone. As soon as you notice a problem, you can file your claim in just a few clicks from your customer account (under « My Contracts » > « File a Claim »). Our platform is accessible 24/7 so you can act as quickly as possible.

Once you’ve filed your claim, you’ll instantly receive an email confirmation. But our commitment doesn't stop there: at StudyAssur, we support you every step of the way. As soon as your claim is processed, one of our dedicated advisors will contact you by email to personally guide you through the process. This email will include your claim reference number and your advisor’s direct phone number. Whether by email or phone, we remain at your disposal to answer your questions and support you until your case is fully resolved.

If you have subscribed to the optional Student Civil Liability coverage in your home insurance policy, you can find and download your certificate of personal, school, and internship civil liability insurance in your customer account

Simply log in to your customer account and go to the « My Contracts » section. For your contract, click on the link : « My Civil Liability Certificate ». If, for your home insurance contract, you only see « My Home Insurance Certificate » displayed, without seeing « My Civil Liability Certificate », it means that you did not select the Civil Liability option when you took out your policy. Don't worry, you can still add it.

Do you want to terminate your home insurance policy early? No problem! With StudyAssur, you can independently request the cancellation of your policy 24/7, 365 days a year, directly online. Simply log in to your customer account and go to the « My Policies » section. Next to your policy, click the « Cancel » button. Complete the form and remember to upload your supporting documents (exit statement, notice of departure, cancellation letter). Rest assured that your cancellation request will be processed as quickly as possible.

It is your legal obligation to repair any damage you may unintentionally cause to others (a third party). In practical terms, if you injure someone or break an object that doesn’t belong to you, your insurance will pay for the repairs or medical care on your behalf. Without this coverage, you would have to pay out of pocket sums that can sometimes reach thousands of euros (hospitalization costs for the victim, replacement of expensive equipment).

Civil liability insurance covers you in three key contexts :
- Student Life: Within the premises of your institution (lecture halls, libraries)
- During your internship : During your company internships or your work-study periods.
- Privacy : In your daily life (while shopping, going out, etc.).

Yes, it is essential and almost always required.

Although the law does not « formally » require insurance to attend lectures, in practice it is mandatory for the following reasons :
- Administrative registration : The vast majority of universities and higher education institutions (engineering schools, business schools, etc.) require proof of Civil Liability Insurance (RC) to validate your registration file.
- Practical work (TP) and sports : To access laboratories, gymnasiums, or participate in educational outings, the institution must ensure that you are covered in case of damage caused to equipment or to others.
- Internships (Legal obligation) : As soon as you sign an internship agreement, the law requires you to have liability insurance coverage. Without proof of insurance, your agreement cannot be signed by the institution.

Why is it risky not to have it ?
Without this insurance, if you accidentally injure someone on university premises or break expensive equipment during practical work, you will have to pay for the damages out of your own pocket, which can amount to considerable sums.

Yes, absolutely ! Your Civil Liability (RC) insurance included in the Student Insurance contract offered by StudyAssur covers you worldwide. It is designed to meet the requirements of educational institutions and host companies internationally. Please note : If you are a citizen of a country outside the European Union, your coverage applies only within the EU. Claims occurring outside the European Union will not be covered.

What you need to know about your coverage abroad :
- Global protection : Whether you’re going away for a university semester, a company internship, or simply for a holiday, you are covered against damage caused to third parties worldwide.
- Validation of internship agreements : Our certificate explicitly states its « Worldwide » validity, which allows you to sign your international internship agreements.
- Validity period : Your liability protection is active for the entire duration of your contract (1 year).

Pay attention to important nuances :
- Damage caused to others : That’s the role of RC. It works perfectly abroad.
- Your own healthcare costs : In the event of illness or personal accident outside of France, your liability insurance will not reimburse your hospital or doctor’s bills..
- L'Assistance Rapatriement : It is included in your contract for all your stays abroad of less than 120 days.

StudyAssur’s advice : For a worry-free trip, always check if your destination requires specific health insurance coverage (as in the USA or Canada). If your stay exceeds 4 months, we recommend purchasing our Study Travel Insurance, which will cover medical expenses, civil liability, and reimbursement.

No more waiting for the mail ! Once your online subscription is validated and payment is made, your certificate is available in less than 2 minutes :
- By Email: A PDF copy will be automatically sent to your email address upon signing the contract.
- Customer Area: Log in to your personal account on our website. Your certificate can be downloaded 24/7 in the « My Contracts » tab.
- On Smartphone : You can save it directly to your digital wallet to present it during your administrative registrations.

Tips : Remember to check your « Junk Mail » (Spam) folder if you don’t see the confirmation email arrive within seconds of signing up.