YOUNG TENANT HOME INSURANCE - FROM 3.27 €/MONTH

Home insurance is compulsory for furnished lets.
Under the Alur Act of 26 March 2014, as a tenant you are obliged to take out insurance covering at least the following risks (fire, water damage, explosion). Failure to comply with this obligation exposes you directly. If you fail to do so, the landlord of your property may, by operation of law terminate your lease after you have served formal notice but failed to respond, or take out insurance on your behalf and pass on the cost of this insurance to you in the amount of your rent. your rent.

You must be able to prove that you have home insurance.
You must present your insurance certificate in the following cases: :
• When you move into your home and receive the keys,
• Each time you renew your rental contract,
• Every year, at the request of the landlord.

You will soon be moving and therefore wish to change the address of your accommodation to be insured.
No problem, with StudyAssur you can independently, 365 days a year and 24 hours a day, modify your home insurance contract directly online.
• Log in to your customer account : My account
• Identify yourself with your membership code (always starts with STAS) and enter your password.
• In your customer account, go to the “My contracts” section.
• With regard to your current contract, click on the "Modify" button, your contract is reissued as you initially subscribed to it.

YOUR NEEDS : STEP 1/6
• Answer the questions by modifying if necessary the number of rooms, type of accommodation, number of people, guarantee levels.
• Don't forget to indicate at the bottom of the form the desired effective date for the insurance of your new home. By default, it is always today's date that is proposed; you cannot indicate a date before today's date.
• Click on “VIEW RATES AND GUARANTEES”

PRICES & GUARANTEES : STEP 2/6
• The price displayed takes into account what you have already paid, therefore you will not have to pay anything or only the difference if you have changed the number of rooms, roommates or the level of guarantee.
• Click on “I SUBSCRIBE”.

PERSON(S) TO BE INSURED : STEP 3/6
• Do not modify anything or add, if necessary, the identity of the additional roommate(s).
• Click on "NEXT STEP.".

ACCOMMODATION TO BE INSURED : STEP 4/6
• Change the address, indicating as precisely as possible, your new address and answer the questions.
• IMPORTANT: Don't forget to set the "Use the address indicated when creating my account" button to "NO" to have access to modifying the address fields.
• Click on “NEXT STEP”.

SUMMARY : STEP 5/6
• Check the subscription summary carefully.
• At the bottom of the page, click on the button "PAY X EUR / 'SAVE THESE CHANGES'.
• Following your modification (with or without online payment by credit card), we will send you by email a code for online signature.
• Check your emails and click from our email on the “SIGN MY CONTRACT” button.
• Follow the signing process by copying the code received and accepting the T&Cs.
• At the end of the signature process, you can download your new certificate.
• The updated certificate will also be sent to you by email within 5 minutes of signing.

Principle of private life civil liability
When you cause damage to others, even if it is unintentional, your civil liability is incurred and therefore requires compensation. This principle of reparation is clearly defined in articles 1,382 and 1,383 of the civil code. The financial consequences, when you are responsible for damage (corporeal, material or immaterial) caused by fault, negligence or imprudence, can be serious. So, when you have subscribed, as part of your insurance multi-risk home insurance, the civil liability option for private life, school and work placement, it is the insurance which covers the repair of the damage that you have caused to others. Without private liability insurance, it will be up to you to pay the damages necessary to repair the harm caused.

The limits of civil liability for private life
• Damage caused intentionally;
• Damage caused in the course of a professional activity;
• Damage caused to yourself or your loved ones;
• Damage caused by a dangerous dog;
• Damage caused by a motor vehicle (including electric trotinette);
• Damage to objects entrusted to you or rent.

You would like to declare to us: :
• damage in your home (water damage, fire, broken glass, theft, etc.).
• damage to your neighbour's property that originates in your home (water damage, fire).
• activate your civil liability guarantees.
Don't panic, complete your declaration in just a few clicks directly online from your customer account !

Simple, fast and available 24/7, your declaration will take no more than a few minutes.
• Log in to your customer account : My account
• Log in with your membership code (always starts with STAS) and enter your password.
• In your customer account, go to the “My contracts” section.
• With regard to your current contract, click on the “Claim(s)” button.
• Complete the form (Type of loss / Date of loss / Circumstances of the loss) and click on "Send".

Following your declaration, you will receive by email within a few minutes a confirmation message that your claim declaration has been received.
• In this email, you will also find the mailbox and telephone number of the disaster service.
• For all subsequent requests regarding the monitoring and processing of your claim, contact this email box or telephone number exclusively.

IMPORTANT: The claims service will quickly get back to you by email to tell you the rest of the processing procedure of your claim. Even if the response from our claims department is not immediate (> 48 working hours), rest assured that we have recorded your declaration and that it is currently being processed. There is no point in reporting the same claim several times; on the contrary, this risks delaying the management of your file.

We remind you that : :
• You have 14 days from the initial subscription date to make your request.
• Your cancellation request does not incur any costs and you will be fully refunded.
• Your request is taken into account without any supporting documents, you do not have to produce any documents.
• You are reimbursed directly to the bank account of the credit card used for payment during subscription within a maximum period of 4 working days.

To request the cancellation of your home insurance contract, nothing could be easier, follow the procedure described below: :
• Identify yourself with your membership code (always starts with STAS) and enter your password.
• In your customer account, go to the “My contracts” section.
• With regard to your current contract, click on the “Cancellation” button.
• If you do not notice the presence of the "Cancel" button, it is because the legal period of 14 days has expired, in this case we advise you to click on the “Terminate” button.

• Following this cancellation request, you will receive an email asking you to confirm this cancellation request.
• Please confirm this cancellation request to us by responding directly to the ticket, indicating for example "I confirm the cancellation request and wants reimbursement.

In order to be able to terminate your contract with your former insurer, you must be certain that your contract with it :
• Be greater than 1 year.
• The address of the accommodation that we currently insure is the same as on the contract with your former insurer.
• If you perfectly meet these 2 conditions simultaneously, please follow the procedure below.
• If this is not the case, we cannot request termination from your former insurer.

Procédure à suivre :
• Identify yourself with your membership code (always starts with STAS) and enter your password.
• In your customer account, go to the “My contracts” section.
• With regard to your current contract, click on the “Modify” button.

YOUR NEEDS: STEP 1/6
• Do not modify anything,
• Click at the bottom of the page on “SEE THE PRICE AND GUARANTEES”

PRICES & GUARANTEES: STEP 2/6
• Do not modify anything,
• Click at the bottom of the page on “SEE THE PRICE AND GUARANTEES”

PERSON(S) TO BE INSURED: STEP 3/6
• Do not modify anything,
• Click on “NEXT STEP."

HOUSING TO BE INSURED: STEP 4/6
• Answer YES to the question: Do you need for this accommodation that we cancel your contract with your previous insurer (Hamon Law - Current contract > 1 year)?
• The cost of processing the termination by Registered Letter with Acknowledgment of Receipt (LRAR) is billed to you at 9.90 €.
• Click on “NEXT STEP.”

SUMMARY: STEP 5/6
• Check the subscription summary carefully.
• At the bottom of the page, click on the button "PAY 9.90 €"
• Following your modification, we will send you by email a code for online signature.
• Check your emails and click from our email on the “SIGN MY CONTRACT” button.
• Follow the signing process by copying the code received and accepting the T&Cs.
• At the end of the signature process, you can download your new certificate.
• The updated certificate will also be sent to you by email within 5 minutes of signing.

INFORMATION ABOUT YOUR FORMER INSURER
• The day after adding the option to cancel your home insurance contract with your old insurer, at the end of the morning, you will receive an email with a link to a form to complete.
• Complete all the fields in this online form precisely.
• Click on "Send" to send us all the information we need about your previous insurer and your current contract in order to request it its termination.
• Upon receipt of this information, we will process your termination request with your former insurer and will send postal mail (LRAR) within 48 hours (working days).
• Upon receipt of our letter by your former insurer, the latter has a period of 30 days / date of receipt of our request to permanently terminate your contract.
• ATTENTION: You remain liable for the sums requested by your former insurer, if you are billed annually or per semester, we request for you in the termination letter, the reimbursement of the sums overpaid in proportion to the remaining invoiced period.

At StudyAssur, your satisfaction is our driving force !
If you wish to inform us of any dissatisfaction regarding our online services or if you experience any annoyance relating to the processing of one of your requests, please feel free to let us know. Indeed, StudyAssur places its policyholders at the center of its concerns and will mobilize all its resources to provide you within a timely manner. maximum of 7 working days for a response to your complaint.

To send us your complaint, several solutions are available to you:
• By e-mail to reclamation[@]studyassur.com
• By post to: StudyAssur - 5-7, rue Goeman - 59520 - Marquette-Lez-Lille - France