By occupying CROUS accommodation, students are required to take out dedicated home insurance. Discover in this article the steps to follow to ensure CROUS accommodation. We also reveal to you the guarantees to favor in your housing contract to benefit from good insurance without having to plan a large budget every month.
Why insure your CROUS accommodation?
As tenants, students are responsible for damage caused to the studio or apartment they occupy via the CROUS (regional center for university and school works). This is why it is necessary to take out home insurance. This solution allows the student to be covered in the event that he causes damage to third parties. They also benefit from coverage in the event of a disaster in their home (water damage, fire, etc.).
In addition, insuring CROUS accommodation helps prevent risks inherent to housing, of course, but also to the personal effects of the insured student in the event of theft or vandalism. If he has not subscribed to a contract ofCROUS home insurance, he is required to bear the financial consequences linked to the damage caused to others. It should be noted that losses resulting from the negligence of the insured person are not covered. This is also the case if the damage was caused intentionally by the latter.
How to do it ?
There are some tips for find the best home insurance for students to which to subscribe. To find the most advantageous offer, it is recommended to use a comparator. Simply enter the desired guarantees as well as the characteristics of the accommodation to be insured. It is advisable to remain exhaustive regarding information about the home, in particular the value of the property, the total surface area, the number of outbuildings, etc.
The tool then presents a list of the most interesting insurance contract quotes, but offered at the most competitive prices on the market. Please note, the amount of the contribution varies depending on the value of the property to be insured. The comparator uses the information provided beforehand to classify the relevant formulas in ascending order. All you have to do is choose the formula adapted to your needs and your budget to ensure CROUS accommodation and that’s it.
This online operation usually only takes a few minutes. Some insurers offer to spread payment over time if the amount of the contribution is large. All important points must be taken into account, because the extent of the guarantees also influences the price. Moreover, be aware that certain damages are not covered, even if the student takes out comprehensive home insurance (MRH). However, the best solution is to contact an insurance company specializing in offers dedicated to students. You then have the opportunity to negotiate the contract based on quotes from competitors.
After signing the insurance contract student housing, the next step is to send the attestation of the document to the CROUS management before moving in. The insurance takes effect on the day the insured moves into the CROUS accommodation. Please note that in the case where the student is a minor, the contract is in the name of the parents or legal holders.
What are the guarantees of such insurance?
It is necessary to be aware of the useful guarantees that must be present in a student home insurance contract. The rental risk guarantee or rental liability represents the minimum formula, even in the case of room rental. It is automatically integrated into the contract. Below are the other essential guarantees:
- The private life liability guarantee covers bodily injury and material damage caused to third parties in the private life of the insured;
- The neighbor and third party recourse guarantee is intended to cover damage caused to third parties or neighbors from university accommodation (fire, explosion, water damage, etc.);
- The comprehensive civil liability guarantee includes the private life civil liability guarantee, as well as the recourse guarantee from neighbors and third parties;
- The glass breakage guarantee as well as the theft and vandalism formula also appear in the list of guarantees to be preferred.
It is therefore crucial to define the useful guarantees in advance and to check those included in the student housing contract. Among the optional guarantees, troubleshooting offers (loss of keys for example), legal assistance and property insurance (computer equipment, musical instruments, etc.) are to be preferred. Now you know how to proceed to choose the appropriate formula to ensure CROUS accommodation.
