Types of accommodation we provide
The student home insurance contract offered by StudyAssur is perfectly adapted to meet the requirements of all CROUS rental housing, student residences and private rental housing ( rental from individual to individual or by real estate agency). All these types of housing must be imperatively located in metropolitan France (excluding Corsica).
Whether it's renting a room in a U-City (Crous), boarding or private home, renting a furnished apartment or not, a studio in a student residence or an apartment up to 4-rooms, StudyAssur offers you a home insurance policy specially designed and adapted to the needs of students.
HOME INSURANCE STUDENT APARTMENT-SHARING UP TO 4 ROOMMATES
Alone or in apartment-sharing ?
Whether you live alone in your home or have chosen to live in a roommate, no problem ! The StudyAssur home insurance policy covers up to 4 roommates simultaneously. As part of your student roommate (single lease for all occupants) you have a single home insurance contract and identical guarantees for all roommates.
If you share a roommate where each student has their own lease, no problem either, we assure you individually.
Who can contract ?
Our housing insurance offer is exclusively intended for students and doctoral students in higher education, apprentices or alternating students in schools (engineering, business, management...) or in vocational schools. Our insureds must be between 16 and 45 years old and hold a valid registration card. You do not need to provide any proof of age to subscribe, but your student card or school certificate will be requested in the event of a claim or during an inspection. Our home insurance contract is exclusively reserved for tenants.
Ultra competitive prices
Aware of the small budget that students have, StudyAssur offers to all students living in France (scholarship holder or not, French nationality or foreign student, Erasmus student or not) its student home insurance contract at very competitive rates. Indeed, the guarantees and the rates we offer have been directly negotiated with insurance companies by ADEFIE (Association de DEFense des Intérêts Economiques des Etudiants), in order to meet your expectations
GUARANTEES OF THE ESSENTIAL PACK
At StudyAssur the levels of coverage are "à la carte" ! You will always be covered for the guarantees included in our essential pack.
- Rental risks / Owner's recourse : For material damage from fire, explosion or water damage guaranteed and caused to the building (Rental liability art. 1302, 1732 to 1735 of the civil code). The guarantee limit = Amount of damage and No Deductible
- Rental risks / Recourse by neighbors and third parties : For consequential material and immaterial damage caused to them by the communication of a fire, an explosion or a water damage occurred to the goods guaranteed under this contract (Recourse by neighbors and third parties art. 1240 to 1244 of the civil code). The guarantee = € 3,000,000 (material damage) and € 300,000 (consequential non-material damage)
In the event of a guaranteed disaster (fire, explosion or water damage) your property is insured. The compensation limits for your property are based on the number of rooms in your home. The amount of guarantees is € 3,500 per room.
Fire, explosion or implosion originating inside an electrical appliance as well as the effects of electric current or overvoltage due to lightning on your electrical appliances are insured. The amount of compensation is up to 1000 € / room (IT equipment and peripherals excluded => Guarantee covered in the IT equipment extension option).
The purpose of this guarantee is to allow you, in the event of a guaranteed dispute, to seek an amicable solution and, failing this, when a satisfactory amicable solution cannot be envisaged, benefit from legal assistance in request and in defense as well. reimbursement of costs incurred up to € 11,000 with an intervention threshold from € 250
In the event of a guaranteed loss making your accommodation uninhabitable, the excess rent or compensation that you pay to be able to be temporarily rehoused under identical conditions will be reimbursed to you for the time necessary to restore the damaged premises, estimated to be d expert, and within the limit of the duration of the date of the claim until the end of your insurance contract on 08/31. Your rent will therefore be deducted from the reimbursement of rehousing costs.
THE ESSENTIAL PACK OPTIONS
As an option of the essential pack, we offer you the possibility to add additional guarantees according to your needs.
- CL privacy : You are guaranteed against the financial consequences of civil liability for personal life that you may incur as a result of an accident for consequential bodily, material and immaterial damage caused to third parties. - Guarantee limit: € 3,000,000
- CL school life and internships : The guarantee is extended to the consequences of the civil liability for private life which may fall on you as a student, without exercising a profession, within the framework of an internship in a company which is the subject of an internship agreement, for consequential bodily, material and immaterial damage suffered by a third party (€ 3,000,000), including for damage caused to property entrusted by the company (€ 15,000). This guarantee does not cover internships involving the practice of prescription or medical procedures, as well as internships carried out in the field of medical or scientific research.
- Theft and vandalism : You are guaranteed during the disappearance, destruction or deterioration of the insured property following theft or attempted theft committed in your accommodation by breaking and entering closed and / or covered means, or means of protection and closure insured premises. Cash and jewelry are excluded from this contract. IT and peripheral equipment is also excluded from this contract (=> Guarantee covered in the IT equipment extension option). Compensation amount up to € 1,000 per room including € 300 for individual cellar.
- Glass brakage : Guarantee limit: € 250 / room.
The computer hardware extension option guarantees you compensation for your desktop computer, laptop, printer and peripherals in the event of electrical damage, accidental breakage or burglary in your accommodation
The amount of compensation for your IT equipment is guaranteed up to € 1,350 . This amount of compensation applies per person who has chosen the option.
STUDENT HOUSING INSURANCE
GUARANTEED EVERYWHERE IN METROPOLITAN FRANCE WITHOUT TACIT RENEWAL
per academic year