STUDENT HOME INSURANCE - FROM 1.38 €/MONTH

Would you like to estimate the price of your student home insurance ? Nothing easier !
Go to this page : Online quotation and subscription

From this page “YOUR NEEDS: Step 1/6” fill in the following fields :
• Number of rooms,
• Type of accommodation,
• Number of people - INCLUDING YOU - to insure,
• Options you wish to choose (Computer equipment extension / Civil liability / Theft, vandalism and broken glass / Legal protection),
• Desired start date,
• Click on the button: “See the price and guarantees”, Voila, it’s done !

The price displayed on the “PRICES & GUARANTEES: Step 2/6” page is the price for the full academic year.
• Whatever the date of your subscription between :
- 01/06 and 31/12 of year N your contract will end on 31/08/N+1
- 01/01 and 31/05 of year N your contract will end on 31/08/N
• If you wish to subscribe, click on the “I SUBSCRIBE” button, note that to finalize the subscription, payment will be made in one go directly online by credit card and that there will therefore be no further payments until the end of the university year (08/31).
• If you wish to receive the price proposal by email, click on the button "RECEIVE THE RATE BY EMAIL", fill in the email fields, first and last name, we will send you directly to your email box our best price with the table of desired guarantees as well as all contractual documentation.

Quite simply, home insurance will be very useful in protecting you in the event of a claim in your student accommodation, such as a fire or water damage. Home insurance will compensate you for the loss of your personal belongings, as well as for damage to your landlord's property. This gives you peace of mind, because some claims can be extremely costly if you don't have insurance. As well as giving you peace of mind, home insurance is compulsory for tenants.

What the law says ?
When you move into your new home, taking out home insurance as a tenant is a legal obligation. As stipulated in article 7 of the law of July 6, 1989: “In the event of a disaster, you are responsible for any damage you may cause to the building, to neighbors and to all third parties during the time you occupy your rental.” You cannot deviate from this obligation under any circumstances, even if you occupy your accommodation free of charge.

When should we take out insurance ?
By law, you must be able to provide the landlord or owner of your home with a home insurance certificate when you first move in (when you sign the tenancy agreement or before you receive the keys), then when you renew your lease or every year at the request of by the landlord or owner.

What should we insure ?
As a tenant, you are completely free to choose your insurance company. As a minimum, you must insure your property against "rental risks" to protect you against damage caused by water damage, fire or explosion. (See articles 1732 and 1733 of the French Civil Code). In addition to rental risks, even if it is not compulsory, it is a good idea to supplement your home insurance with recourse against neighbours and third parties" cover. This cover extends civil liability protection to cover damage that you may cause to your neighbours and third parties as a result of using your home (see articles 1240 to 1244 of the French Civil Code). These two types of cover are included as standard in StudyAssur's essential pack.

What are the consequences of not taking out insurance ?
If you choose not to take out home insurance, you are exposing yourself to major risks. If you cannot provide proof of home insurance, the landlord or owner may automatically terminate your lease if, within one month of receiving formal notice by letter with acknowledgement of receipt (LRAR) without any response. In the event of a claim, you alone will be liable for all damage.

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.

Do you want to renew your student home insurance contract ? Nothing easier !
• Log in to your customer account : My account
• Identify yourself with your member code (always starts with STAS) and indicate your password.
• In your customer account, go to the “My contracts” section.
• Regarding your current contract, click on the “Renew” button.
• 2 possible cases are available to you.

Renew WITH modification:
• Follow the subscription process in 5 steps.
• At the bottom of the "STEP 5/6 SUMMARY" step, all you have to do is pay by clicking on the "Pay" button.
• Following your 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 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.

Renew WITHOUT modification:
• All the information in your contract is reproduced identically (Type of accommodation / Level of guarantees / Insured person(s) / Address).
• At the bottom of the "STEP 5/6 SUMMARY" step, all you have to do is pay by clicking on the "Pay" button.
• Following your 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.

In both cases (with or without modification), when you renew your home insurance contract during the period between 01/06 and 31/08, the months of June, July and August are offered to you ! You are therefore not obliged to wait until September 1 to renew your home insurance contract. Our offer allows you to calmly prepare and compile your renewal files for your accommodation during the summer (CROUS Department / Lessor / Owner).

Without any problem, you can transfer your contract to any type of accommodation, whether CROUS or the private sector !

Transfer your contract to a new address.
• Your home insurance contract is valid until 08/31 of each year.
• Throughout the life of your contract, you can modify the address of the accommodation to be insured directly online.
• You can modify the address of the accommodation to be insured as many times as necessary.
• You can transfer your insurance contract to any accommodation located in mainland France.
• The conditions of our insurance contract allow you to be insured at the same price everywhere in France.

Transfer your contract from one type of accommodation to another.
• Your home insurance contract covers all types of housing.
• You can move from one type of accommodation to another, no problem.
• You always retain the benefit of the premium paid initially when subscribing.
- if you do not change the number of parts and/or the warranty level, this is at no additional cost.
- If you change the number of parts and/or the warranty level, you will only pay the difference for this modification.

Types of accommodation we insure.
• Accommodation in university residences via CROUS services.
• Private accommodation rented from individual to individual or via a real estate agency.
• Accommodation in a private home (Room / Studio).
• Accommodation in boarding school (hostel).
• Accommodation in private student residences (Estudines, Suitétudes, KOSY Appart’Hôtels, Nemea Appart’Etud...).

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.

To insure your shared accommodation, two cases are possible :

In the case of shared tenancy with an individual lease :
• Each roommate occupying shared accommodation must have their own insurance multi-risk home.
• Each roommate occupying subscribes to the insurer of their choice.
• Each roommate defines their own level of guarantee within the shared accommodation independently of the other roommates.
• As part of a shared tenancy with an individual lease, you must insure the main rooms including those for which you have exclusive use (Ex: 1 bedroom) as well as rooms shared with other roommates (Ex: Living room or lounge).
• Never count the kitchen or the bathroom as main rooms.
• When subscribing, indicate the number of people to be insured : 1 person.

In the case of shared tenancy with a joint lease:
• You have one and the same home insurance contract which guarantees all student roommates in the same way.
• You must insure all the main rooms of the accommodation whether they are for exclusive or shared use.
• Never count the kitchen or the bathroom as main rooms.
• The maximum number of main rooms that we can provide is 4.
• When subscribing, indicate as the number of people to be insured all roommates including you (Maximum 4).

As part of your housing insurance, you can benefit from civil liability for private life, school and work placements by simply adding this option to the guarantees of the essential pack. When you establish the quote (STEP 1/6: YOUR NEEDS), answer YES to the question : Need insurance civil liability private life, school and business internships?

Indeed, when you register at university, in a vocational high school, in a school or more generally in a higher education establishment, You are often asked (or even required) to produce a certificate of civil liability (RC in french). The purpose of civil liability is to cover you in the event of bodily injury or material damage that you could cause to a third party during your student life activities such as internships, training, courses or activities in your private life such as babysitting, sport ...

YOUR NEEDS : STEP 1/6
• Answer YES to the question : Need civil liability insurance for private life, school and internship ?
• Click on “VIEW RATES AND GUARANTEES”

PRICES & GUARANTEES : STEP 2/6
• The price that appears deducts what you have already paid, so you only pay the difference for adding this third-party liability cover.
• Click on “I SUBSCRIBE”.

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

ACCOMMODATION TO BE INSURED : STEP 4/6
• Do not modify anything.
• 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.
• Following your modification and your 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.

If you have subscribed to the Student Civil Liability guarantee as an option in your home insurance contract, you can find and download your private life, school and internship liability insurance certificate in your customer account.
• 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, the certificates are listed :
- My home insurance certificate,
- My civil liability certificate,
- My homeworking certificate.

If with regard to your home insurance contract, you only notice the display of "My home insurance certificate", without seeing “My civil liability certificate” nor “My teleworking certificate” means that when you subscribed, you did not retain the civil liability option. Don't panic, you can still add it !

Effective Date
Your home insurance contract takes effect on the same day you subscribe. However, you can anticipate your subscription and indicate an effective date up to D+90. Example, if you move in on September 15, you can subscribe from August 16, for example, and indicate a desired effective date of September 15. This facility will allow you from August 16 (the day of your subscription) to benefit from a housing insurance certificate to send to your lessor, telling him that when you move in (09/15) you will be well insured !

Up to 90 days in advance
We have largely anticipated the choice of the effective date of your student home insurance contract, since you can now program an effective date until 90 days in advance! Indeed, to meet the needs of students who live in university residences, we are well aware that from the beginning of June the services of the CROUS already ask you as part of your housing file, an insurance certificate for your room or studio. Subscribing from June does not make it more expensive your home insurance because StudyAssur offers you the months of June, July and August !

End date
Whatever the date of your subscription:
- between 01/06 and 31/12 of year N your contract ends on 31/08/N+1.
- between 01/01 and 31/05 of year N your contract ends on 31/08/N.
• The prices indicated are fixed and not pro rata temporis.
• Our home insurance contract is WITHOUT TACITY RENEWAL.
• It is therefore up to you to renew your contract each year before SEPTEMBER 1.
• StudyAssur services will not fail to notify you by email of the imminent end of your contract and will invite you through a simple and quick online procedure to renew it. (a few clicks will be enough !)

Pricing
• For any first subscription from 06/01/N, you benefit from 15 months of insurance at the best price of €20.70, or 1.38 €/month, to be insured until 08/31/N+1.
• The price of €20.70 corresponds to the insurance premium for accommodation consisting of one room (room / apartment / furnished / studio) for 1 person guaranteed as part of our essential pack (Rental civil liability - Fire, explosion, water damage / Defense recourse / Damage to your property €3,500 / Rehousing costs).

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.

In order to cancel your current home insurance contract, you must follow the online procedure for your insurance contract by clicking on “Terminate” :
• Log in to your customer account : My account
• In your customer account, go to the “My contracts” section.
• With regard to your contract, click on “Terminate”.
• Fill in the form and don't forget to upload your supporting documents (leaving statement, notice of departure, termination letter).

Rest assured that your cancellation request will be processed as quickly as possible.
Cancellation must be made within 30 days of the date of notification.
Reimbursement will be made pro rata temporis on the basis of the premium excluding VAT.

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