Student Insurance: Answers to All Your Questions

Yes. Home insurance is legally mandatory for all tenants in France, including students in CROUS or private residences. The residence or university may request it when handing over the keys. Without insurance, you are personally liable for any damage you cause to your accommodation, neighbours, or third parties.🚫 In the event of a claim without insurance, you will be responsible for the full financial consequences, which can amount to several thousand euros.

Yes. Every tenant in France, including students, is legally required to have at least basic insurance covering rental risks (fire, water damage, explosion). Your residence or CROUS may require a certificate when handing over the keys.💡 Without insurance, you are personally liable for any damage caused to the property, neighbours or third parties — amounts that can reach several thousand euros.

Students and young professionals, whether French or international, renting accommodation in a student residence, CROUS or young professionals’ housing. For CROUS plans, you generally need to be under 28 when first applying for housing and continuing your studies.

Your residence must be pre-registered in our database.

When subscribing, type its name in the search field: if it appears in the list, you can continue.

💡 Residence missing? Write to contact@etudassur.fr or contact us at 01.80.48.14.72. If your residence is not listed, it can be registered quickly (usually within 15 minutes once the request is processed).

Rates vary depending on the type of accommodation:

• CROUS residence: from €2.90/month (CROUS plan)
• Private student residence: from €4.83/month (Essential plan)
• Young professionals’ residence: from €4.83/month (Essential plan)
• Private accommodation with a landlord: online quote via Léocare
• Travel insurance abroad: from €26/month via Chapka

Etudassur offers an average saving of 50% compared to traditional home insurance with identical cover.

Your choice of Etudassur home insurance depends on your type of residence, your needs and the level of protection you want.

Living in a CROUS residence?

The CROUS plan covers essential risks: fire, water damage, weather events and tenant’s liability. Personal, academic and extracurricular liability is available as an option.

Living in a private student residence or young professionals’ housing?

Three plans are available:

• Essential: ideal for small budgets. It includes fire, water damage, liability, glass breakage and home assistance.

• XXL: more comprehensive protection, with additional cover such as theft and vandalism, extended glass breakage, electrical damage, lost keys, bedbugs and strike cover.

• Do you have a bike? Add the Bike Theft option to your XXL plan for just €15 extra and receive compensation up to €300, with no excess, subject to your contract terms.

Our advice: choose the Essential plan for cost-effective protection, the XXL for enhanced cover of your belongings, and the XXL with the “bike” option if you also want to insure your bike against theft.

Please note: jewellery, art objects and valuables are excluded from cover. Limits and excesses depend on the plan chosen.

Detailed cover by guarantee is available on the Student Home Insurance page.

Etudassur offers several home insurance plans tailored to your type of residence and the level of protection you want.

In a CROUS residence:

The CROUS plan includes essential cover: fire, water damage, weather events, natural and technological disasters, as well as tenant’s liability.

Personal, academic and extracurricular liability is available as an option. It is therefore not automatically included in the basic CROUS plan.

In a private student residence or young professionals’ housing:

• Essential: fire, water damage, weather events, natural and technological disasters, tenant’s and personal liability, glass breakage and home assistance.

• XXL: includes Essential cover and adds theft and vandalism, extended glass breakage, electrical damage, lost keys, bedbug treatment and strike cover.

• Do you have a bike? Add the Bike Theft option to your XXL plan for just €15 extra and receive compensation up to €300, with no excess, subject to your contract terms.

The Essential and XXL plans also provide new-for-old compensation for IT and office equipment under two years old, up to the contractual limit of €2,000, for covered claims. They are also available for CROUS accommodation.

Limits, excesses and assistance services depend on the plan you choose.

To find out exactly what your cover includes, check your Policy Schedule in your customer area or via the documentation page.

The excess is the amount you pay for each claim.

At Etudassur, it is generally reduced to €100 for most cover, and to €0 for certain guarantees (XXL glass breakage, lost keys, bedbugs).

The exact amount per guarantee is shown in your Policy Schedule.

For example, if the cost of damage from a fire is €2,000, you will be reimbursed €2,000 minus the excess, i.e. €1,900.

All our contracts are fixed-term and available for:

• 3 months,
• 6 months,
• 12 months (9 months + 3 months free).

The minimum contract length is 3 months — it is not possible to take out a contract on a monthly or weekly basis.

💡 No automatic renewal. If you leave before the end date, as the contract is fixed-term, it will automatically end on the scheduled date.

Yes, regardless of your country of origin, as long as you are renting student accommodation in France.

The website is available in French, English, Chinese and Spanish. The contract is governed by French law.

For the health coverage required by some visas, Etudassur also offers a “Come to France” insurance via Chapka.

Not always. Some home insurance policies taken out by parents cover the student who is part of the tax household for their student accommodation, but the coverage is often limited (lower limits, third-party liability only).

Check with your parents’ insurer.

If your residence requires a certificate in your name, a dedicated contract is often still necessary. This should be checked according to your parents’ policy.

Etudassur specialises in a specific segment (students and young professionals in residences), which allows us to optimise pricing for this risk profile.

100% digital subscription eliminates physical distribution costs. The broker model allows us to negotiate directly with the insurer Hiscox for terms tailored to the volume and profile.

💡 Etudassur advertises an average saving of 50% with identical cover compared to traditional home insurance.

Yes. Etudassur is a brand of the broker ACCS, registered with ORIAS under No. 07 002 006 (verifiable at orias.fr). The home insurance contracts are underwritten by the insurer Hiscox SA, and the activity is regulated by the ACPR. We have over 200,000 customers and 1,000 partner residences.

In a coliving situation, you can take out a policy for a single room (studio). Your policy covers your private space AND the shared areas—the cover extends to the common areas on a pro-rata basis according to the number of occupants.

💡 No need to take out a policy covering the entire flat. A studio policy is sufficient.

Learn more about insurance for coliving.

The Etudassur policy is reserved for listed residences. For accommodation with a private landlord or a standard shared flat, we refer you to our partner Léocare, which specialises in this type of accommodation. You can be redirected from our website.

💡 Moving from a student residence to a private rental during your policy? Contact us—we can provide you with a Léocare quote.

Etudassur works with the majority of private student residence networks in France, including Estudines, Nemea, Kley, and many other private residences listed in their system.

For CROUS residences, a specific CROUS plan is offered starting at €2.90 per month.

To find out if your residence is listed, get a quote at souscription.etudassur.fr — the list appears during sign-up. If it is not, feel free to contact us by email (contact@etudassur.fr) or by phone at 01.80.48.14.72 and we will add it as soon as possible.

💡 Over 1,000 partner residences across France.

Yes.

The CROUS plan (€4,500 cover, from €2.90/month) is designed exclusively for public university housing.

Private residences have access to the Essentielle, XXL and XXL+Bike plans (cover up to €7,500).

The correct product is displayed based on your residence during sign-up.

All our policies include cover for furniture provided by the landlord that you are responsible for.

In a furnished property, please note: damage to the property itself is often covered by the landlord’s PNO insurance (IRSI convention), while your policy covers your personal belongings.

The Etudassur (Hiscox) residence contract is reserved for approved halls of residence. For a standard flat rented from a private individual, Etudassur will direct you to its partner Léocare, whose quote is available online. The Léocare contract is managed directly by Léocare.

Yes. The price and cover are fixed and tailored to student housing, regardless of size. The contract specifies the number of main rooms during sign-up.

Check the terms of use for your code: Most codes are valid only for 12-month contracts.

Codes are valid only for new subscriptions — not if you have already had an Etudassur contract.

Some codes are linked to a specific residence.

The code is entered at the summary stage during subscription.

💡 If the code appears to work but is not accepted, try without spaces and check for capital letters. Contact us with a screenshot if the issue persists.

No. We only accept full payment by debit or credit card at the time of subscription.

Several possible causes:

• Payment pending: your bank has not yet validated the transaction — wait 24 hours. If no confirmation arrives, the payment will be declined and you will not be charged.
• Transaction declined: failed payment attempt on the bank’s side — try again, possibly using a different browser or private browsing.
• Email in spam: the confirmation may be in your junk folder.

💡 If in doubt, send us a screenshot of your bank statement showing the last 4 digits of your card — we will check on our system.

Subscription is 100% online in less than 3 minutes at souscription.etudassur.fr.

Enter your accommodation details, choose your plan, pay by bank card, and immediately receive your home insurance certificate by email.

No post, no appointment, and no handwritten signature required.

💡 For accommodation with a private landlord (outside a residence), the quote is done via Léocare from the website.

The contract requires a single payment at subscription by bank card — no monthly payments or direct debit. The amount corresponds to the chosen duration (3, 6 or 12 months).

This depends on the error:

• Error on the start date: if your contract has not yet begun, you can bring the start date forward by up to 7 days from the initially chosen date, directly from your customer area.

  This change also brings forward the start of your cover. It can never be backdated.

  If your contract has already started, the start date can no longer be modified.

• Plan or accommodation: it is not possible to modify an active contract; you will generally need to take out a new contract and request cancellation of the old one.

Contact contact@etudassur.fr with your contract number. The exact steps will be provided based on the timeframe and type of error.

Yes, you have a 14-calendar-day cooling-off period from the date of subscription, with no justification or penalty required, as set out in the French Insurance Code. Cancellation can be requested from your customer area or by email. ⚠️ You lose this right if a claim occurs during the cooling-off period.

First, check your spam/junk mail. If nothing appears, it is possible that the transaction did not go through — your contract has then not been created. Check your bank statement and contact support with the date and time of the attempt. Do not re-subscribe multiple times without checking.

Etudassur discount codes are subject to conditions (minimum contract duration, limited validity, generally not combinable with each other).

Choose a duration that matches your lease (3, 6, 12 months). The contract is for a fixed term with no automatic renewal: it does not renew automatically, so remember to renew it before it ends.

💡 The minimum duration is 3 months.

Contact support without delay with your bank statement and the dates of the transactions. If a duplicate contract was created in error, the team can cancel it and refund the duplicate.

If your policy includes Personal, School and Extracurricular Civil Liability, your civil liability certificate is automatically sent to you by email when you take out the policy.

You can also download it at any time from your Étudassur customer area.

This certificate may be requested by your school, university or internship organisation.

If a specific certificate is requested, contact us at contact@etudassur.fr with the following details:

• your policy number;
• the name of your institution or internship organisation;
• the internship dates, if they need to appear on the document;
• the destination country if the internship takes place abroad.

We will check that your situation is within the scope of your coverage before issuing the corresponding certificate.

⚠️ CROUS plan: Personal, School and Extracurricular Civil Liability is an optional coverage. Please check that it is included in your policy.

💡 For an internship or study stay abroad lasting more than 3 months, contact us before your departure to check the applicable coverage.

Generate it from your customer area on www.etudassur.fr — instantly, in just a few clicks.

The Etudassur proof of address is an official document showing your name, address and the coverage period of your contract. It is accepted as proof of address by most authorities.

💡 If you need a specific format or if the document is not accepted, contact contact@etudassur.fr.

The MRH certificate is sent automatically by email once payment is validated (to you and your residence manager).💡 Check your spam folder. It can also be downloaded at any time from your customer area → “My documents”.

Remote working is covered by default under your personal liability insurance. From your personal space just fill: the name of the company or internship organisation, and the full address. We will return the certificate by email.💡 Valid for internships, employment and regular remote working. Also available in English as a “civil liability certificate for remote work / internship”.

Some details can be corrected directly from your customer area:

• flat number, if you remain in the same residence and the same type of accommodation;
• some personal details;
• change of residence, if it remains eligible for the Etudassur contract.

However, a change of name, surname or subscribed plan requires our team’s intervention.

Contact contact@etudassur.fr with your contract number and specify exactly which information needs correcting.

Once the change has been made, remember to download your new certificate and check the details on it.

The membership certificate you received by email serves as an invoice. It contains the full breakdown of the premium paid. If you need the bank payment slip, contact us at contact@etudassur.fr and we will send it to you.

Your certificate is sent by email as soon as payment is validated. You can also download it at any time from your customer area (assure.etudassur.fr → “My documents”).

💡 Remember to check your spam folder if you can’t find it in your inbox.

Download your certificate from the customer area and send it to your administrator.

If your residence is listed, the certificate is sent to them automatically. You can take out insurance on the same day as key handover and receive the certificate within minutes.

You can obtain a teleworking insurance certificate directly from your Etudassur customer area.

To do this, provide the requested details about your employer, including the name and address of your company.

This certificate confirms that your home is covered by home insurance for teleworking purposes.

Please note: this certificate does not constitute professional liability insurance and does not automatically cover equipment belonging to your employer.

If your employer requires specific terms or cover, contact contact@etudassur.fr so our team can check what is included in your policy.

The home insurance certificate includes your insured address and can be used as proof of address for many procedures. A dedicated proof of address document is also available from the customer area.

The website and communications are available in several languages. However, certificates must be written in the language of the contract, which is French.

Log back into your customer area and re-download it from “My documents”—it is available there at any time, as many times as needed.

If an organisation requests an updated certificate, dated today or including specific details not shown on the document available in your customer area, contact contact@etudassur.fr, providing your policy number and the organisation’s request.

Log in to your customer account using the email address you provided when subscribing and the password you received by email after subscription. If you’ve forgotten your password, click on “Forgotten password” — the reset link will be sent to your subscription email.

💡 From your customer account, you can: download your certificates, report a claim, change your residence, cancel your policy, withdraw, correct your start date, and generate a proof of address.

Most processes can be completed independently on www.etudassur.fr — without needing to contact us.

Log in using the email address you provided when subscribing and the password you received by email. Here’s what you can do from your customer account:

• 📄 Download your home insurance certificate at any time
• 💼 Generate a remote working certificate in just a few clicks
• 📍 Generate a proof of address
• 🔢 Change your flat number (same residence, same type)
• 🏠 Change your residence (student or young professional residences only)
• 🚨 Report a claim and upload your supporting documents
• 📅 Bring forward your policy’s start date by up to 7 days before the initial date, only if your policy hasn’t started yet.
• 🔄 Subscribe to a new policy (renewal)
• ↩️ Withdraw within 14 days of subscription
• 🚪 Cancel your policy at the end of your lease
• 💡 Forgotten your password? Use “Forgotten password” on the login page — the link will be sent to your subscription email.

⚠️ Any changes to your plan or name/surname must be made by contacting our services via contact@etudassur.fr.

Go to the customer account login page → “Forgotten password” → enter your subscription email.

If the issue persists, email contact@etudassur.fr with your policy number.

💡 Check your junk mail and ensure you’re using the exact email address you provided when subscribing, not a secondary one.

Log in to your customer account using the email address you provided when subscribing. If you’ve forgotten your password, click on “Forgotten password” — the reset link will be sent to your subscription email.

💡 Check your spam folder if you don’t receive the reset email.

Log out and log back in — the display may sometimes require refreshing. Also, ensure you’re using the exact email address you provided when subscribing.

If the issue persists, contact support with your name and subscription date.

Check your spam/junk folder and add the etudassur.fr domain to your contacts. Also, ensure the registered email address is correct. All your documents remain accessible in your customer account even without emails.

If you wish to update your email address, phone number or certain personal details associated with your Etudassur contract, contact our team at contact@etudassur.fr.

To help process your request, please specify:

• Your contract number.

• Your first and last name.

• The contact details currently on record.

• The new details to be updated.

For security reasons, we may need to verify your identity before making any changes.

Note: if your request concerns the address of the insured accommodation and not your personal contact details, you may be able to make certain changes directly through your customer account, depending on your situation.

Your contract number appears on your membership certificate and various attestations, as well as in your customer account. Always include it in the subject line of your emails to our support team for faster processing.

Many tasks without waiting for support: download your certificates, report a claim and upload documents, change your residence, correct your flat number, add a flatmate, renew, cancel, terminate, and generate proof of address or a remote working certificate.

Several cases depending on your situation:

1. Same residence, same type of accommodation (studio → studio): change directly via your customer account
2. Same residence, different size (studio → 2 rooms): new contract required – contact us at contact@etudassur.fr
3. Different referenced residence: change directly via your customer account
4. Non-referenced residence: current coverage cannot be transferred – subscribe via our partner Léocare if the accommodation is private

💡 Always specify whether your new accommodation is still a studio and the date of the change.

It is not possible to modify the plan of an active contract. Procedure: Cancel the current contract if within 14 days → full refund. Take out a new contract with the desired plan.⚠️ After 14 days, cancellation is no longer possible — no full refund. Early termination only entitles you to a pro-rata refund.

Yes, provided your contract has not yet started.

You can bring forward the effective date by a maximum of 7 days from the initially chosen date, directly through your customer account.

This change also allows you to bring forward the start of your cover so you are insured earlier than planned.

Example: you have taken out a contract with an effective date of 20 September. You can bring the start date forward to 13 September, provided you make this change before the cover begins and never set a date earlier than the day of the change.

Important:

• If your contract has already started, the effective date can no longer be changed.

• It is never possible to insure a past period retrospectively.

• The change is limited to 7 days from the initially planned date.

To make this change, log in to your Etudassur customer account.

If you are moving to another referenced residence, you can change your address directly through your customer account. If you are moving to a privately rented property, the residence contract does not apply – you will need to subscribe via Léocare. The exact procedure will depend on your new accommodation.

If your change of accommodation is part of a move, our practical student moving guide may also help.

Correct the flat number through your customer account and instantly receive your new attestation, or contact support with your contract number. It is important that the insured address exactly matches your actual accommodation.

No, it is not possible to modify the plan of an ongoing contract. To switch to another plan, you generally need to cancel the current contract and take out a new one. Contact support for the appropriate procedure.

Several scenarios apply when changing accommodation:

1/ If you remain in a residence but move to a studio, you can update the address on your contract via your customer area and receive your new certificate.

2/ If you change the type of accommodation, for example by moving from a studio to a two-room flat, a new contract must be taken out to properly insure your new home.

Contact our team at contact@etudassur.fr so they can assist you with this process and check the possibilities for a potential refund of the unused period of your previous contract.

This refund is not automatic and depends on the conditions applicable to your situation.

3/ You are moving to a non-student residence. We only insure student residences through Etudassur, but we can offer you a standard home insurance policy via our partner Leocare. To do this, I invite you to get a quote using the following link:

Insure my new home!

Yes, provided your contract has not yet started.

You can bring forward its start date by a maximum of 7 days from the initially chosen date, directly from your customer area.

This modification also allows you to bring forward the start of your cover to be insured earlier than planned.

Example: You have taken out a contract starting on 20 September. You can bring forward its start date to 13 September, provided you make this change before the cover begins and never set a date earlier than the day of the modification.

Important:

• If your contract has already started, its start date can no longer be modified.

• It is never possible to insure a past period retrospectively.

• The advance is limited to 7 days from the initially planned date.

To make this change, log in to your Etudassur customer area.

Adding cover is equivalent to changing your plan, which is not possible on an ongoing contract. You need to take out the plan that includes the desired cover. Confirm with support based on your situation.

A current contract cannot be changed to a different plan. The process usually involves taking out a new subscription in the correct plan and cancelling the old contract (possible within the 14-day cooling-off period). Contact support quickly.

In certain situations, particularly when cancellation can be carried out under applicable regulations, Etudassur can assist you with the process with your previous insurer.Contact contact@etudassur.fr and attach a copy of your previous contract or insurance certificate. The document must allow identification of:

• the name of your previous insurer;
• your contract number;
• the insured property;
• and, if possible, the contract expiry date.

Our team will review your situation and let you know if cancellation can be carried out on your behalf.⚠️ Do not cancel your previous insurance before ensuring your new cover is in effect, to avoid any uninsured period.

Your Etudassur home insurance premium may change from one year to the next, particularly due to changes in the tax regulations applicable to insurance contracts and the evolving costs in the sector.

What are the main reasons for this change?

1. The increase in the natural disaster contribution

Since 1 January 2025, the surcharge rate intended to fund the compensation scheme for natural disasters has increased from 12% to 20% for the relevant home insurance policies.

This regulatory increase applies to all relevant insurers.

2. The evolution of the contribution to the Guarantee Fund for Victims of Acts of Terrorism

This mandatory contribution, commonly known as the “terrorism tax”, increased from €5.90 to €6.50 per contract from 1 July 2024.

It helps fund compensation for victims of acts of terrorism and other offences.

3. The evolution of insurance costs

Premiums may also change to reflect the costs of claims settlements, repairs, and the negotiated pricing terms with our partner company.

Our commitment: Etudassur continues to prioritise accessible home insurance, with cover tailored to students and young professionals.

To find out the current premium applicable to your accommodation, you can run a simulation directly on our website.

Etudassur home insurance contracts are offered for a fixed term of 3, 6 or 12 months, with no automatic renewal.

Your contract therefore automatically ends on its expiry date, with no obligation to renew.

If you leave your accommodation before this date, you can report your departure from your customer area, particularly by submitting your move-out inventory.

Please note: leaving your accommodation early does not automatically entitle you to a refund of the remaining insurance period.

However, certain situations may be reviewed by our team, particularly in the event of a change in the type of accommodation or a new policy taken out for another property.

The possibilities for early cancellation depend on the reason given, the applicable legal provisions and the terms of your contract.

To find out the steps applicable to your situation, contact contact@etudassur.fr.

The legal cooling-off period is 14 days from the date of subscription.

You can cancel your contract from your customer area if you are still within this period or contact contact@etudassur.fr with your contract number.

Refund within 14 working days.

🚫 Upon registration of the cancellation: all guarantees are terminated immediately. Certificates are no longer valid.

Log in to your customer area at www.etudassur.fr and click on “renew my contract”.

Possible before the expiry date, with effect from the desired date.

⚠️ It is not possible to extend an existing contract by a few days. If you need additional coverage, the minimum duration is 3 months.

Cancel from your customer area by submitting your move-out inventory. ⚠️ The cancellation takes effect upon receipt of the inventory, not on your departure date — submit it as soon as possible.

Note that your insurance contract is for a fixed term. It will expire automatically on the end date indicated on your certificates. No need to worry, no further payment will be requested.

By default, an early departure from the accommodation does not entitle you to a refund of the remaining insurance period.

However, certain special situations may be reviewed by our teams, particularly in the event of a change in the type of accommodation or when a new contract is taken out with our group to insure another property.

These situations are reviewed on a case-by-case basis and do not automatically entitle you to a refund. The decision depends in particular on the reason for the request, the supporting documents provided and the contractual situation.

As the contract is for a fixed term with no automatic renewal, it ends automatically at its term. No need to worry, no further payment will be requested.

Early cancellation is possible in certain cases (moving out, end of tenancy). The cancellation conditions and deadlines depend on the contract — to be checked.

Cooling-off and cancellation do not correspond to the same stage of the contract.

Cooling-off allows you to reconsider your subscription shortly after making it. For a contract taken out remotely, you generally have a period of 14 calendar days to withdraw from the contract, without having to justify your decision, subject to the conditions provided by the regulations.

Cancellation, on the other hand, concerns a contract already in progress. It consists of terminating it before its scheduled end date when the contractual or legal conditions allow it.

At Etudassur, home insurance contracts are taken out for a fixed term of 3, 6 or 12 months and are not automatically renewed. If you simply go up to the scheduled expiry date, you therefore do not need to cancel: the contract ends automatically.

In summary: cooling-off = reconsidering a recent subscription; cancellation = terminating a contract already in progress.

No. Home insurance covers losses of accidental origin. A faulty bulb, peeling paint or any routine maintenance issue falls under the tenant’s obligations by law — not insurance. These situations do not constitute a loss.

To check the covers included in your home insurance, log in to your Etudassur customer area and consult your Policy Schedule.

It specifies the plan you have taken out as well as the covers, limits and excesses that apply.

Some covers depend on your plan:

• CROUS: fire, water damage, natural disaster, weather events, tenant’s liability – personal liability, school and extracurricular activities as an option

• Essentielle: basic covers, personal liability, assistance and glass breakage.

• XXL: additional covers, including theft, lost keys, electrical damage, bedbugs and strike cover.

• XXL + Bike: all XXL covers with bike theft cover.

Bike theft is therefore not covered by the standard XXL plan: it requires the XXL + Bike plan.

Before reporting a claim, check that the corresponding cover is listed in your Policy Schedule.

Yes, if you have taken out the XXL or XXL + Bike plan and the strike affects a journey covered by your cover.

The Strike cover reimburses your taxi or private hire vehicle costs when you are prevented from attending a national exam or competitive exam due to a public transport strike.

The limit is €50 per cover period, with no excess.

To request compensation, keep:

• your invitation to the national exam or competitive exam;

• proof of the strike that affected your usual transport;

• the invoice for your taxi or private hire vehicle.

Note: regular university exams, mock exams and resit sessions are not automatically covered. The cover applies to national exams and competitive exams under the conditions set out in the contract.

This cover is not included in the CROUS and Essentielle plans.

Yes, but only with the XXL plan. The Electrical Damage cover applies to damage caused by:

• A power surge due to lightning
• The direct action of electricity on electrical devices less than 10 years old and their power supply lines.
• Limit: €3,000, excess: €100
• Not covered: fuses, resistors and tubes of any kind. Standard breakdown without external electrical cause is not covered.

⚠️ Not included in the Essentielle and CROUS plans. Check your Policy Schedule before reporting a claim.

To prepare your claim, see our article on how to prove an electrical power surge. Read the article.

Learn more about electrical damage cover.

Etudassur home insurance policies do not cover valuables, works of art, jewellery, or cash, funds and securities.

The General Terms and Conditions specifically define valuables as:

• jewellery, regardless of its value;

• certain rugs, paintings, decorative objects, watches and other items exceeding the individual thresholds set out in the policy;

• items other than everyday furniture with an individual value exceeding €2,000;

• collections.

Works of art and valuables are excluded from Etudassur cover, in accordance with the Special Terms and Conditions.

If you own significant jewellery, collections or valuables, specific insurance may be required.

To find out exactly what is excluded, consult your General and Special Terms and Conditions.

Civil liability (also known as CL) covers damage you cause to others: to rented accommodation (tenant’s liability) and to third parties in your daily life (personal liability), up to €10 million. This is the most important cover—without it, you would personally bear potentially very heavy costs (such as a fire spreading or water damage to a neighbour’s property).

Yes, office and IT equipment (including phones) is covered up to €2,000, at new-for-old value if the device is less than 2 years old. The device must be under 10 years old. Theft is only covered in plans that include theft cover (XXL).⚠️ If the device is under manufacturer’s warranty, contact the after-sales service first.

In an emergency at your home, we recommend that you first contact Etudassur Assistance on 01 55 98 71 14, available 24/7.

Assistance can direct you to a professional or arrange an intervention according to the services provided for in your policy.

To benefit from an intervention covered under assistance, you must obtain their agreement before calling in a tradesperson.

If you contact a service provider yourself without this agreement, the costs incurred cannot be reimbursed under this assistance service.

However, there is an important distinction:

When it comes to repairing damage covered by your home insurance, such as broken glass, you can generally choose your own professional.

You must then report the claim and comply with any conditions set by the insurer before proceeding with repairs.

Cover depends on the guarantees you have taken out, the limits and the excesses applicable.

The bicycle is covered against theft only under the XXL + Bike option (limit of €300, subject to lock conditions). The electric scooter is not covered—it requires specific mandatory insurance for motorised vehicles.

Yes, your home remains insured even during prolonged absence. After 30 consecutive days of total unoccupancy, some cover may be conditional—notify support if you will be away for more than 30 days.

The “bike” option is included exclusively in the XXL Etudassur plan. It is not included in the Essential or CROUS plans.

In what situations is my bike covered?

The cover applies in two situations:

1. Outside your residence:

Your bike is covered against theft when it is more than 100 metres from your home and secured to a fixed point with a U-lock or folding lock, securing both the frame and one wheel.

2. In the bike storage room of your residence:

Your bike is also covered if it is stolen from the bike storage room of your residence, provided it has been properly secured with a U-lock or folding lock.

What compensation is provided?

Compensation is based on the actual value of your bike, up to a limit of €300, with no excess.

What evidence must be provided?

In the event of theft, you must submit:

• A police report filed with the authorities.

• The purchase receipt for your bike, issued before the incident by an official retailer.

• The purchase receipt for your compliant lock, also dated before the incident.

What are the exclusions?

The cover does not apply to rented or borrowed bikes, bikes that are not properly secured, or the isolated theft of bike parts (wheel, saddle or accessories).

To benefit from this cover, you must own the bike and have taken out the XXL plan with the “Bike” option.

With Étudassur, compensation for your claim can be made on the basis of a quote, without waiting for the repairs to be carried out or providing a paid invoice.

After reporting your claim, you can submit a quote from the professional of your choice. If the claim is covered, the insurer will review your request and determine the amount of compensation according to the terms of your policy (coverages, limits and any excesses).

Exception: in the case of lost keys and bedbug extermination, a paid invoice is required to obtain reimbursement of the costs incurred. A simple quote is therefore not sufficient in these two cases.

In the event of water damage in your student residence, several insurance policies may be involved: your Etudassur home insurance, the landlord’s insurance, the residence’s insurance or even a neighbour’s insurance.

The cover depends in particular on the origin of the claim, the nature of the damage, the responsibilities involved and the agreements applicable between insurers.

What is the role of the IRSI agreement?

The IRSI agreement organises the management of certain water damage and fire claims in buildings. It determines which insurer handles the case and under what conditions.

In a furnished student residence, damage affecting elements belonging to the landlord may be covered by the landlord’s insurance or the building’s insurance, depending on the circumstances.

Your Etudassur contract may cover damage to your personal belongings and, when your liability is involved, under the civil liability cover.

The fact that a particular insurance policy does not directly cover repairs does not necessarily mean that the damage is not compensable.

What should you do in practice?

Notify your residence manager, take photos of the damage and report the claim to Etudassur.

If several people or properties are affected, complete a water damage amicable report where possible.

Our claims service will review your situation and direct you to the insurer likely to intervene.

In the event of a claim, report it to Etudassur as soon as possible, specifying the date, circumstances and nature of the damage.

Also remember to:

• take photos of the damage (JPEG photos only — the HEIC format (iPhone) is not accepted by the company);
• take the necessary steps to prevent the damage from worsening;
• keep the damaged items where possible;
• gather invoices, quotes and other supporting documents useful for compensation.

For damage to property, the claim must be reported within 5 days of the time you become aware of it. However, specific deadlines may apply to certain claims, particularly in the event of theft or natural disaster.

After reporting your claim, send Etudassur an estimated statement of the damage together with the available supporting documents. Additional documents may be requested during the processing of your file.

💡 Do not wait until you have gathered all the supporting documents before reporting your claim: you can complete your file later.

Find our complete guide to reacting properly in the event of a claim in your student accommodation

If you experience water damage in your accommodation, here are the steps to follow.

1. Limit the damage

Turn off the water supply if necessary and take possible measures to prevent the damage from worsening, without putting yourself in danger.

2. Notify the relevant parties

Inform the manager of your residence, your landlord or your neighbour if the water damage may affect them.

3. Take photographs

Photograph the damage as well as the source of the leak, when identifiable.

4. Report your claim

Submit your claim within 5 working days of becoming aware of the damage, directly from your Etudassur customer area or by contacting the claims service at sinistre@etudassur.fr.

5. Submit the available supporting documents

Depending on your situation, the following documents may be requested:

• A friendly water damage report when a third party is involved.

• Photographs of the damage.

• A list of damaged items and their purchase receipts.

• A repair or replacement estimate.

• The repair invoice for the source of the leak, if it has already been fixed.

Good to know: Do not wait until you have gathered all the supporting documents to submit your claim. You can complete your file later.

The repair of the equipment causing the leak is not necessarily covered, even when the water damage is covered.

In the event of burglary, attempted burglary or break-in at your accommodation:

• Do not touch the premises unnecessarily before the police have carried out their inspection;
• Take photos of any signs of forced entry and the damage observed;
• Make a list of stolen or damaged items;
• File a police report within 24 hours;
• Then report the claim to Etudassur as soon as possible.

Keep and submit all available supporting documents: police report, purchase receipts, photos, repair estimates, proof of value of the items and any evidence establishing the circumstances of the burglary.

If a door, lock or window has been damaged, take the necessary steps to temporarily secure the accommodation and prevent the damage from worsening.

💡 The Theft – Vandalism cover depends on the policy taken out and the circumstances of the burglary. Forced entry, assault or certain other situations provided for in the contract may, in particular, allow it to be applied.

If you have accidentally caused damage to your accommodation or that of a neighbour, notify the relevant parties and report the claim to Etudassur as soon as possible.

Remember to:

• Take photos of the damage;
• Specify the exact circumstances of the claim;
• Take the necessary steps to prevent the damage from worsening;
• Keep invoices, estimates and other useful supporting documents.

If you are responsible for damage caused to the accommodation you rent, your Tenant’s Liability cover may apply depending on the circumstances and the cover provided by your policy.

If the damage has also affected a neighbour or another third party, the “Neighbours and Third Parties” cover may cover the financial consequences of your liability.

💡 Example: If water damage from your accommodation damages the flat below, report the claim to Etudassur and inform your neighbour so that the relevant insurers can arrange for it to be dealt with.

To track a claim you have already reported, contact the claims service directly at sinistre@etudassur.fr and provide:

• Your policy number;
• Your claim reference number, if you have already received it;
• And, if necessary, the document or information you wish to submit.

You can also contact the claims service on 03 22 53 45 51 during office hours.

💡 Average time to resolve a claim: 15 to 30 days.

This is a major source of poorly understood disputes.

The rule is clear: maintaining the seals in the shower is the tenant’s responsibility (minor repairs, decree of 26 August 1987). This is not accidental damage — it is normal wear and tear.

What this means:

• Repairing faulty seals: not covered by home insurance — this is routine maintenance;
• Damage caused to the neighbour below via a leak: your Tenant’s Liability cover may apply — but only if you are not at fault due to gross negligence;
• Damage in your own accommodation due to your poorly maintained seals: claim will be rejected.

💡 Best practice: Check your seals when you move in and report in writing (email) any seal that is already damaged to the manager. This protects you in the event of a subsequent claim.

⚠️ For managers: A seal that was damaged before the tenant moved in and was not mentioned in the inventory of fixtures is the landlord’s responsibility, not the tenant’s.

The presence of mould in your accommodation is not automatically considered a covered claim.

If the mould results from a long-term issue with damp, condensation or poor maintenance, it generally does not fall under the Water Damage cover.

However, if it is the direct result of an accidental event covered by your policy — such as a leak or infiltration that is covered — the resulting damage may be covered according to the terms of the contract.

In any case, notify your landlord or residence promptly to identify and address the source of the damp.

💡 If you believe the mould appeared following water damage, take photos and contact Etudassur so that the situation can be assessed.

This depends on your plan and the circumstances of the theft.

If your contract includes the “Theft from the person” cover, it may apply when you are the victim of a theft or attempted theft outside your home:

• with violence or threat of violence;
• or following certain force majeure events, such as fainting, loss of consciousness or a road accident.

This cover applies to the papers and keys of your home that you were carrying at the time of the theft. It does not automatically cover all your personal belongings.

In the event of theft, report it quickly to the police or gendarmerie and notify Etudassur of the claim.

💡 The “Theft from the person” cover is included in the XXL plan, subject to the limits and conditions set out in the contract.

Your computer may be compensated if it has been damaged as a result of an event covered by your Étudassur home insurance contract.

This may include a fire, water damage or another insured event.

Please note: a computer damaged as a result of a fall or accidental impact is not automatically covered. The circumstances must correspond to a cover that you have actually taken out.

How is compensation calculated?

The Essential and XXL plans provide compensation for office and IT equipment, including computers and phones, up to the contractual limit of €2,000.

For devices less than two years old, compensation for the new value is provided under the terms of the contract.

For older devices, depreciation may be applied.

To report the claim, provide the precise circumstances, photos of the damage, the purchase invoice and any supporting documents requested by the claims handler.

Yes, if your home becomes uninhabitable following an insured event, temporary accommodation and coverage of certain rehousing costs may be provided depending on your plan.

Étudassur Assistance can arrange temporary accommodation if you can no longer stay in your home (up to a maximum of €750).

In addition, the home insurance contract provides a “Rehousing costs” cover:

• up to €150 with the Essential plan;
• up to €250 with the XXL plan;
• with no excess.

This cover applies in addition to the temporary accommodation provided by the assistance contract, subject to the conditions set out in the contract.

⚠️ In an emergency, contact Étudassur Assistance before incurring any rehousing costs or calling in a service provider. Any expense incurred without prior agreement from the assistance service may not be reimbursed.

💡 If your home has become uninhabitable following a fire, water damage or another insured event, contact Etudassur or the assistance service immediately to arrange the appropriate solution.

Yes, you can still report an old claim, but it is best to do so as soon as possible.

The reporting deadlines set out in the contract should normally be respected. However, a delay in reporting does not automatically result in the loss of your cover: the insurer must be able to demonstrate that this delay has caused them prejudice.

You will need to provide as much information as possible to establish the date, circumstances and extent of the claim: photos, invoices, quotes, correspondence with your landlord or residence, reports or any other available supporting documents.

⚠️ There is also a limitation period: in principle, actions related to the insurance contract are time-barred after two years from the event that gave rise to them. However, certain situations may modify or interrupt this period.

💡 Even if your claim dates back several weeks or months, contact Etudassur so that your situation can be assessed.

Yes. When a third party’s liability is identified, our firm can initiate an amicable claim with their insurer.

Conditions:

• Clearly identify the person responsible and their insurer
• Have evidence (amicable report, expert report, witness statements)
• Act within the 2-year time limit

💡 The amicable report signed by both parties is the key document to initiate the claim. Without Legal Protection cover, the claim remains amicable only.

In the event of a fire in your home, your Etudassur contract may cover damage to your insured belongings, subject to the limits and conditions of your plan.

The “Fire and related events” cover includes damage to your furniture caused by:

• a fire;
• an explosion or implosion;
• accidental smoke;
• a direct lightning strike;
• rescue measures and emergency services intervention following the claim.

Compensation for your furniture is limited to the sum insured under your plan, and an excess may apply.

If the claim renders your home uninhabitable, temporary accommodation and rehousing costs may also be provided under your contract.

💡 After a fire, contact Etudassur quickly, take photos of the damage and keep any damaged belongings as well as your invoices and proof of purchase.

To prepare your file, also see our guide on reporting a fire claim.

Find out more about fire cover.

The Water Damage cover mainly applies to the damage caused by the leak, but not necessarily to the repair of the equipment that caused it.

For example, if a pipe, tap or appliance leaks, your insurance may cover the damage caused to your belongings by the water, depending on the terms of your contract. However, the repair or replacement of the pipe, installation or appliance that caused the leak may remain your responsibility or that of your landlord.

The Étudassur General Conditions specifically exclude damage to the internal plumbing system and connected appliances when they are themselves the cause of the claim.

💡 Example: your washbasin hose breaks and the water damages your furniture. The water damage may be covered, but the replacement of the hose itself is not necessarily included.

If in doubt, keep the repair invoice and submit it with your claim: it may help to prove that the source of the leak has been properly repaired.

In case of a slammed door or lost keys: contact the assistance service (01.55.98.71.14) BEFORE calling a locksmith. The assistance service will send an approved locksmith. Limit: €150.

🚫 Absolute rule: any intervention by a locksmith called without going through the assistance service will not be reimbursed—even with the invoice. This is a condition of cover, not a question of amount.

💡 Save the assistance number 01.55.98.71.14 in your phone now—it appears on your membership certificate and in your customer area.

Report your claim to Étudassur as soon as possible after becoming aware of it.

The time limits set out in your contract are as follows:

• 5 days for damage to property, such as water damage, fire or broken glass;
• 2 days in case of theft, with a police report filed within 24 hours;
• 15 days for a claim relating to your Civil Liability;
• in case of theft or attempted theft, you must also file a police report within 24 hours.

Specific time limits may apply to certain events, particularly in the case of a natural disaster.

💡 Do not wait until you have gathered all the supporting documents to report your claim: your file can be completed later.

Send your photos in JPEG format. HEIC files (default on iPhone) and WeTransfer links are not accepted by the claims handler and will delay processing.

💡 On iPhone: Settings → Camera → Formats → “Most Compatible” to save in JPEG.

With Étudassur, some claims may be settled on presentation of a quote, without waiting for the work to be carried out or the invoice to be paid.

After reporting your claim, the claims handler will review your file and check the applicable cover, limits, excesses and supporting documents submitted.

If your request is accepted, compensation may be paid based on the quote approved by the insurer.

Two types of cover, however, require a paid invoice:

• Lost keys: reimbursement is made after the keys have been replaced and the paid invoice has been presented.

• Bedbugs: reimbursement is made after your home has been treated by a certified professional and their paid invoice has been presented.

In these two situations, a quote alone is not sufficient to obtain compensation.

Once the amount of compensation has been agreed, payment will be made within the time limits set out in the contract, specifically within 30 days maximum following the amicable agreement.

⚠️ If your situation involves assistance (locksmith, plumber, glazier, etc.), always contact the assistance service before calling a provider yourself.

If you need assistance, contact the claims service at sinistre@etudassur.fr.

After you report your claim, it will be handled by the Étudassur claims service.

To track its progress, you can contact the claims service, providing your policy number and, if available, your claim reference.

Depending on the stage of progress, the team can tell you:

• whether your report has been properly recorded;
• whether additional supporting documents are required;
• whether your file is under review;
• whether the amount of compensation has been approved;
• or whether payment has been initiated.

💡 Make sure to submit any requested additional documents promptly: an incomplete file may slow down processing.

Yes, as soon as a neighbour is involved. The amicable settlement report for water damage, signed by both parties, is the key document to identify the responsible party and enable claims between insurance companies.

Need help filling it out? Consult our step-by-step guide on the amicable settlement report for water damage.

In JPEG format only.

HEIC files (default format for iPhones) and WeTransfer links are systematically rejected by the company — your file cannot progress until the photos are in the correct format.

How to convert an HEIC file to JPEG on iPhone: Settings → Camera → Formats → select “Most Compatible” (JPEG). Or when sharing: select the photos → Share → the photos are automatically converted to JPEG.

For supporting documents: send the files directly as an email attachment or upload them to your customer area — no external sharing links.

💡 Enable “Most Compatible” in your iPhone settings now — before you need to report a claim.

To request compensation under your Étudassur home insurance policy, the quote should generally be made in the name of the insured when the works or goods concerned fall directly under their contract.

It must specify:

• the name of the insured;

• the address of the property concerned;

• the nature of the repairs or replacements;

• the breakdown of amounts;

• the professional’s contact details.

However, when the repairs concern elements belonging to the landlord or the residence and fall under their own insurance, the terms may differ.

In case of doubt, particularly in the event of water damage involving several insurers, contact the claims service before having your quote amended.

As part of a claim declaration, your claims handler may request a bank account statement in order to proceed with the payment of your compensation.

We recommend that you wait until your claims handler requests this document and provides you with information regarding the handling of your file.

Your bank account statement must be legible and include the necessary banking details for payment.

Submitting this document allows the bank account for the compensation payment to be identified.

The acceptance of the compensation amount and any payment terms must be assessed according to the exchanges with your claims handler and the conditions applicable to your file.

For any questions regarding your compensation, contact sinistre@etudassur.fr.

⚠️ Required format: a standard bank account statement (with the bank’s logo), not just a screenshot of the IBAN.

Your Étudassur home insurance policy distinguishes between two types of coverage.

Home assistance in an emergency:

This allows for the quick intervention of a professional in the event of a problem requiring urgent action, particularly in plumbing, locksmithing, glazing or electrical work.

To benefit from this service, you must contact the assistance service before any intervention. The professional must be appointed or approved by the assistance service.

If you call in a provider on your own initiative without prior agreement, their intervention cannot be reimbursed under the assistance service.

Your home insurance coverages:

These cover damages included in your policy, for example following water damage or broken glass.

In this case, you can generally freely choose the professional responsible for the repairs, subject to the conditions set out in the policy and any claims validation requirements from the insurer.

Compensation then depends on the coverages taken out, the evidence provided and any applicable excesses and limits.

Remember: the obligation to use a provider appointed by the assistance service applies to assistance services and does not automatically apply to repairs compensated under the coverages of your home insurance policy.

Étudassur Assistance is a service available 24/7 to support you in certain urgent situations related to your accommodation.

It can intervene in cases such as a blocked door, broken window, electrical problem, water leak, or when your accommodation becomes uninhabitable following a covered claim.

Depending on the nature of your problem, assistance may offer several services:

1. Putting you in touch with a professional

Assistance can provide the contact details of a plumber, locksmith, glazier, or electrician near your accommodation.

Please note: this search service does not mean that the work is financially covered. The professional’s fees may remain your responsibility.

2. Covered emergency intervention

In situations covered by the contract, assistance can organise and fund certain temporary repairs for locksmithing, glazing, or electrical work, up to €150 including VAT (maximum 1 hour of labour).

3. Temporary accommodation

If your accommodation becomes uninhabitable following a covered event, assistance can organise and cover temporary accommodation, up to €150 including VAT per night and €750 including VAT per event.

For any assistance request, contact 01 55 98 71 14 before incurring any expenses.

The services and their conditions are outlined in the assistance notice provided with your contract.

Step 1 — Call assistance immediately (number on your membership certificate/customer area). Do not look for a locksmith yourself. Assistance will send you an approved locksmith. Coverage is capped at €150.

Step 2 — If necessary, declare the claim afterwards from your customer area (key loss cover, XXL plan only).

⚠️ Key loss cover is not included in the Essential plan. Check your plan before declaring.

🚫 Absolute rule: any intervention by a locksmith called without going through assistance will not be reimbursed — even with the invoice. This is a condition of cover, not a question of amount.

💡 Tip: photograph your membership certificate as soon as you subscribe and save the assistance number in your contacts.

In the event of a major water leak, act immediately to limit the damage:

• turn off the water supply if you can do so safely;

• move your belongings and electrical appliances away from the affected area;

• take photos of the damage;

• notify your residence, landlord or neighbour if the leak may affect them.

If your contract includes assistance, contact them at 01 55 98 71 14 before calling a plumber yourself. The assistance service can guide you and arrange the appropriate intervention.

⚠️ An intervention carried out by a contractor of your own choosing, without prior agreement from the assistance service, may not be reimbursed.

Once the emergency is under control, report the water damage to Etudassur and keep all relevant documents for your file: photos, quotes, amicable report and any supporting evidence.

💡 The most important thing is first to stop or limit the leak: the claim declaration can be completed later.

If your accommodation is inaccessible or cannot be occupied tonight following a covered loss or incident, contact Étudassur assistance immediately at 01 55 98 71 14.

Assistance is available 24/7 and may, depending on the situation and the terms of your contract, arrange temporary accommodation.

⚠️ Do not incur hotel or rehousing expenses yourself without first contacting assistance. Any expense incurred without their agreement may not be reimbursed.

If your accommodation remains unusable after the emergency, additional rehousing costs may also be covered by your contract depending on the plan you have chosen.

💡 Call assistance as soon as you know you will not be able to stay in your accommodation: they will be able to tell you immediately what to do.

For any questions regarding your Etudassur home insurance, several services are available.

In case of emergency — 24/7 Assistance

Telephone from France: 01 55 98 71 14

From abroad: +33 1 55 98 71 14

Email: oquotidien@mutuaide.fr.

This service is for assistance requests related to emergencies such as locksmith, glazing, electrical issues or covered rehousing needs.

🚫 Important: in case of emergency, always call assistance before contacting a contractor yourself. Any intervention arranged without prior agreement from assistance cannot be reimbursed.

To report or follow up on a claim

During office hours:

Telephone: 03 22 53 45 51

Email: sinistre@etudassur.fr

You can also report your claim from your customer area and submit your supporting documents: Customer Area → “Report a claim” → add your supporting documents

For any questions about your contract

Telephone: 01 80 48 14 72

Email: contact@etudassur.fr

Remember to include your contract number in the subject line of your email.

Any intervention by a contractor called without going through assistance (01.55.98.71.14) is not reimbursable, even with an invoice. This is a condition of the contract. In future, always call assistance FIRST in case of an emergency — they will send an approved tradesperson with controlled rates.

Your Étudassur home insurance policy may provide certain cover during a stay abroad. However, it does not replace comprehensive travel insurance.

1. Your personal belongings: Travel-Stay cover

The Essential, XXL and XXL + Bike plans include Travel-Stay cover.

This covers, under the terms of the contract, personal belongings you take with you during a stay of less than 3 months in a building, hotel or boarding house that you do not own.

This cover may apply in the event of fire, water damage or insured theft.

Compensation limit: €600, with an excess of €100.

Thefts committed outside buildings or in shared premises are excluded, in particular.

2. Your civil liability abroad

If you have Private Life Civil Liability cover, this may also protect you during a stay of less than 3 months as part of your studies abroad.

Note: this cover is optional with the CROUS plan.

3. Personal assistance

If your contract includes Mutuaide services, you may benefit from certain assistance services during your travels, including repatriation or medical transport when medical and contractual conditions are met.

The terms and limits of cover are set out in your assistance terms.

4. What about medical expenses abroad?

Étudassur home insurance is not comprehensive international health insurance.

For an Erasmus stay, an internship or a year of study abroad, we recommend that you check your medical cover and, if necessary, take out specific travel insurance with our partner Chapka.

To find out exactly what protection you have before you leave, consult your Policy Schedule and any assistance terms.

Travel-Stay cover is included in the Essential, XXL and XXL + Bike plans. It is not included in the CROUS plan.

This covers certain damage to your personal belongings taken with you during a stay of less than 3 months in a hotel, boarding house or building that you do not own.

Compensation is limited to €600, with an excess of €100.

The events covered and exclusions depend on the terms of the contract. Thefts committed outside buildings and in certain shared premises are excluded, in particular.

Note: this cover protects your personal belongings but is not comprehensive health or travel insurance.

Etudassur is a home insurance subscription website specialising in student accommodation for over 10 years. It is a brand of the ACCS brokerage firm, based in the 9th arrondissement of Paris (5 rue Bourdaloue, 75009). ACCS is an insurance broker registered with ORIAS (No. 07 002 006). The company’s philosophy: No Low Cost — Just Right Cost — securing the best rates without reducing cover.

Etudassur works with insurer Hiscox SA for its home insurance policies, and with Chapka for travel insurance.

Yes. The etudassur.fr website is available in 4 languages: French, English, Chinese (中文) and Spanish. The language selector is accessible at the top right of every page.

Contracts are governed by French law regardless of the language used.

💡 The team also responds to emails in English at contact@etudassur.fr — include your contract number in the subject line.

Contact the Etudassur sales team to discuss listing your residence. This makes it easier for your residents to subscribe and ensures automatic transmission of insurance certificates. Partnership terms will be defined with the team.

The home insurance certificate is automatically emailed to the address provided during the listing process as soon as the tenant subscribes by selecting your residence. No action is required on your part.

PDF brochures are available upon request—please specify if you would also like printed copies.

The resident reports the claim through their policy. In furnished accommodation, damage to the property often falls under the landlord’s insurance (IRSI agreement), while the resident’s personal belongings are covered by their own policy. The repair estimate must be in the name of the insured, not the residence.

Your home insurance certificates and contract are automatically sent by email when you subscribe and remain available in your Etudassur customer area.

Your Policy Schedule (another term for your contract) is available in your customer area. It allows you to check, in particular:

• the plan you have subscribed to;
• your active cover;
• the applicable limits;
• the excesses;
• the dates of your contract.

Your membership certificate and certificates are also sent to you when you subscribe.If a document is missing or you can no longer find it, contact contact@etudassur.fr and provide your contract number.