Our home insurance is designed for students residing in France (including ERASMUS and international students). Here are the eligibility criteria:

1. Required status:
   • Student or recent graduate with valid proof (student ID, school certificate, or most recent diploma).
   • Residence in metropolitan France (including Corsica).
2. Covered situations:
   • Students living alone, in shared accommodation, or as a couple
     • Shared accommodation: All roommates must also be students or recent graduates. You can add up to 5 roommates by selecting the "roommate" option when subscribing.
     • Couple: If you're a couple and both students/recent graduates, you can subscribe. However, if one member of the couple is not a student/recent graduate, membership is not possible.
3. Scholarship and non-scholarship students:
   • This contract is open to all student tenants, whether they receive scholarships or not, with no age limit.
4. Higher education (including internships and work-study programs):
   • The contract is for students in traditional education or work-study programs, subject to providing valid proof and residing in metropolitan France.
5. Minor students (from age 16) and adults:
   • Both minor and adult students with valid proof of enrollment can subscribe.

No documentation is required during online subscription. However, in case of a claim, proof such as a student ID may be requested.

Non-eligible persons: Anyone not meeting the above criteria.

Our home insurance contract covers the following student accommodations:

• Apartments, houses, and studios: Our insurance protects any student accommodation occupied as a tenant, whether it's an apartment, house, or studio.
• University rooms and CROUS residences
  • Students residing in university rooms or CROUS residences are also eligible.
• Youth worker hostels (FJT) and student residences
  • Accommodations located in FJTs or student residences are covered by our contract.
• Accommodations with 1 to 4 rooms
  • During your subscription, you can indicate the number of rooms in your accommodation (up to 4 rooms).
• Furnished or unfurnished accommodations
  • Our contract applies to both furnished and unfurnished accommodations.

Are you about to move in and need to subscribe to home insurance? To adapt to all your needs, we offer different coverage plans and options. You can compare them by clicking here. If you wish to benefit from "Civil Liability," we invite you to opt for the Comfort and Serenity plans. As a reminder, cash, jewelry, and valuables are not covered by the guarantees.

Yes, you can subscribe to the student home insurance contract if you reside and study in metropolitan France.

It depends on your rental lease:

• If you have an individual lease, you must insure your room and the common living areas without declaring the other roommates.
• If you and your roommates have a joint lease, you must insure all living areas and all roommates.

Please note that all tenants named in the contract must be students or recent graduates. If they do not have this status, they are not eligible for the student housing insurance contract and should contact another insurer.

Our contract is strictly reserved for students and recent graduates. Here are the conditions for couples:

• If both members of the couple are students or recent graduates, you can subscribe to the contract together. During subscription, you must declare the second member of the couple as a roommate.
• If one of the two does not have this status, the couple is not eligible for insurance.

No. Our contract only covers students/recent graduates; even under civil liability, children are not covered.

Yes, home insurance is mandatory when you are a tenant, regardless of the type of accommodation in which you reside: University room, CROUS, studio, apartment, house, even if the latter is occupied free of charge.

The law of July 6, 1989, modified by Article 7 of the law of November 23, 2018 stipulates that the tenant is obliged to: "insure against risks for which they are responsible as a tenant and provide proof when the keys are handed over and then each year at the landlord's request. Proof of this insurance results from providing the landlord with a certificate from the insurer or their representative."

A home insurance certificate is required before signing the lease and receiving the keys, at each lease renewal, and every year.

This insurance guarantees mandatory risks such as:

• Your tenant's liability risks as stipulated in articles 1732 and 1733 of the Civil Code
• Your personal property within the limits of the guarantees.

By default and to provide you with more peace of mind, we systematically include:

• Legal protection
• Personal accident coverage (for recent graduates)
• Grade repeat compensation (for students)

Depending on the options selected, we also offer coverage for the following risks:

• Civil liability
• Theft
• Glass breakage
• Computer equipment extension covering accidental breakage of computers and their peripherals up to €1,300

Yes, home insurance is mandatory for furnished accommodation. Adding civil liability coverage is strongly recommended to protect you for damages caused to others.

We remind you that the Alur law of March 24, 2014 now requires any non-occupying co-owner to insure the same accommodation to protect it in case of hazards and also guarantee its contents.

In the absence of a home insurance contract, the consequences may be as follows:

• Refusal by your landlord or property owner to rent you the accommodation
• Termination of your lease
• Your landlord/property owner may take out insurance on your behalf and add the contract amount to your rent

As a reminder, this insurance certificate must be provided:

• Before moving into the accommodation
• At each lease renewal
• Every year

Multi-risk home insurance is designed to protect residential premises (Studio, apartment, house, university room, CROUS, or private accommodation) occupied as a tenant. This insurance is mandatory for any tenant before receiving the keys.

The contract offered by ADH student/recent graduate insurance systematically guarantees:

• Fire and similar events
• Water damage
• Climatic events
• Attacks and acts of terrorism
• Natural and technological disasters
• Legal protection service
• Grade repeat compensation reserved for students
• Personal accident coverage reserved for recent graduates

Depending on your needs and the chosen plan, you can subscribe to the following optional guarantees and services:

• Civil liability (private life, company internship, school, and extracurricular)
• Theft-vandalism
• Glass breakage
• Social support
• Psychological assistance
• Computer equipment guarantee
• Roommate

To subscribe to our home insurance contract, you must meet the following criteria:

• Be a student and have valid proof (student card or school certificate).
• Be a recent graduate who completed studies within the last 3 calendar years.
• Reside in metropolitan France, including Corsica.

Yes, our home insurance is suitable for all students, whether you are alone or in shared accommodation. Here are the types of accommodation we cover:

• University room
• Studio
• House
• Apartment
• Furnished or unfurnished accommodation
• CROUS residence, boarding school, or university campus

We know that as a student/recent graduate, your budget is not unlimited, and that's why we offer you the best prices with levels of coverage adapted to your needs. We offer you a student home insurance contract starting from €20.85 per year, or €1.39 per month for 15 months if you subscribe from June 1st.

The price of your contract is defined as fairly as possible with our partner companies, taking into account the following criteria:

1. The number of rooms in your accommodation: Whether you live in a house, a furnished room, a university residence, or CROUS, the price is the same. However, it varies according to its composition.
2. The chosen plan: We offer 3 different levels to cover you according to your needs.
3. The selected options:
   • To adapt to the number of occupants in your accommodation, you can add up to 5 roommates. However, to be covered, they must also be students/recent graduates.
   • For more comfort, we also insure accidental breakage of computers and their peripherals up to €1,300 through the computer equipment guarantee, provided that this incident takes place in your accommodation.

We systematically include in your contract, regardless of the chosen plan, the following guarantees and services:

• Personal property capital
• Fire
• Water damage
• Grade repeat compensation reserved for students
• Personal accident coverage reserved for recent graduates
• Legal protection

Yes, everything is done online in one place: quotes and subscription are grouped together for simplicity. After answering a few questions about your needs, we recommend the most suitable plan. You can also compare the three plans offered and choose the one that suits you best. Once you've made your choice, complete your subscription in a few minutes. You will immediately receive your certificate by email.

This guarantee offers compensation in case of death or total or partial permanent disability resulting from an accident. Here are the coverage amounts provided:

• Death: €3,000
• Total Permanent Disability: €3,000
• Partial Permanent Disability: Coverage reduced according to the degree of infirmity, in accordance with the European scale for the assessment of physical and psychological integrity.

In case of partial disability, the compensation amount is adjusted according to the severity of the infirmity, following the reference scale.

The grade repeat guarantee applies in one of the following situations:

• Following the death of a close relative within 30 days preceding the start of examinations,
• Following your hospitalization due to an accident or illness lasting more than 48 hours and occurring within 15 days preceding the start of examinations.

You automatically benefit from a compensation payment of the amount of rent for the repeated year, up to a limit of €3,000.

Since 1968, we have been offering home insurance contracts for students and are recognized as the leader in this field. Over the years, we continue to evolve this product to offer you more choices and more flexibility to adapt to your needs.

We have designed an intuitive site with services allowing you to get quick answers:

• Online estimation
• Comparison table
• Online options (computer equipment guarantee and addition of 1 to 5 roommates)
• Quick subscription and immediate receipt of your certificate in your email
• Download your certificate from your customer area
• Online claim declaration
• Modification of your information and your plan at any time
• Renewal of your contract to be carried out by you at each start of the academic year in your customer area

You also have the possibility to choose between two dates for the effective date of your contract:

• Immediate effective date of your contract
• Effective date in 14 days

Yes, everything is done online in one place: quotes and subscription are grouped together for simplicity. After answering a few questions about your needs, we recommend the most suitable plan. You can also compare the three plans offered and choose the one that suits you best. Once you've made your choice, complete your subscription in a few minutes. You will immediately receive your certificate by email.

Your student home insurance premium must be paid by credit card at the final step of subscription or contract renewal.

Once payment is made, the certificate will be sent to your email. It is also available for download at any time from your customer area.

When subscribing to your contract, it is not possible to choose a specific date. Two options will be offered to you:

• By checking "Today," your contract will take effect immediately. In case of withdrawal within the 14-day period, we will refund the premium in full. After this period, the premium is acquired in full, and no partial refund will be made.
• By checking "In 14 days," your contract will take effect after the 14-day withdrawal period. After this period, the premium is acquired in full, and no partial refund will be made.

Your contract takes effect according to the chosen option ("Today" or "in 14 days"), it will automatically end on August 31st of the current school year. Our contract has no automatic renewal, meaning it does not renew automatically. You can renew your contract in a few minutes via your customer area from June 1st.

Example:

• I subscribe on September 1, 2024, I am insured until August 31, 2025.
• I subscribe on January 1, 2025, I am insured until August 31, 2025.

Attention, from June 1st of each year, the subscription is valid for the following school year. Example: I subscribe on June 1, 2025, I am insured until August 31, 2026.

You have a 14-day cooling-off period after subscribing online to exercise your right of withdrawal. During this 14-day period: You may cancel your contract and receive a refund of the premium paid. After this period: Withdrawal is no longer possible, but you can still cancel your contract at any time. However, no refund will be issued once the 14 days have passed. In any case, the contract will automatically end on August 31. To cancel your contract, simply follow these steps:

• Go to “My Account” and log in using your login details.
• In the “Contract” tab, click on “Other actions”.
• Click on “Request cancellation”.

If you update your contract, you can instantly download your updated certificate from your personal account. Just go to the “Contract” tab and click on “Download my certificate”.

You can download your insurance certificate anytime from your personal account. It’s quick and easy:

• Go to “My Account” and log in with your credentials.
• In the “Contract” tab, click on “Download my certificate”.

Your certificate will be downloaded as a PDF, dated with the day of your request.

You can modify your contract online at any time from your personal account for the following reasons:

• Change of address (move or correction).
• Change of coverage plan.
• Add or remove one or more roommates (up to 5).
• Add or remove the computer equipment coverage.

In all cases, there's no need to start a new subscription. Simply follow these steps:

• Go to “My Account” and log in with your credentials.
• In the “Contract” tab, click on “Other actions”.
• On the “Modify your contract” page, select the items you wish to change.
• Click “Confirm changes” at the bottom of the page.

If you encounter difficulties in the application of your contract and the responses provided by your usual contacts do not meet your expectations, you can submit a written complaint to: ADH Complaints Service 300 rue de Lille – Bâtiment B – 59520 MARQUETTE-LEZ-LILLE EMAIL: You can use the contact form available on our website. ADH is committed to acknowledging receipt of your complaint within 10 days and providing a response within a maximum of 2 months. If the dispute persists or if the response provided does not satisfy you, you can also contact your insurer. In the case of a lasting and unresolved disagreement, after exhausting the internal complaint procedures mentioned above, you have the option to refer the matter to an independent mediator at the following address: Insurance Mediation – TSA 50110 75441 Paris Cedex 09 France This does not affect your right to take further legal action. The regulatory authority overseeing the insurance company is the Autorité de Contrôle Prudentiel et de Résolution (ACPR), located at: 4 place de Budapest – CS 92459 – 75436 PARIS Cedex 09 Website: www.acpr.banque-france.fr

When subscribing to your contract, it is not possible to choose a specific date. Two options will be offered to you:

• By checking "Today," your contract will take effect immediately. In case of withdrawal within the 14-day period, we will refund the premium in full. After this period, the premium is acquired in full, and no partial refund will be made.
• By checking "In 14 days," your contract will take effect after the 14-day withdrawal period. After this period, the premium is acquired in full, and no partial refund will be made.

Liability insurance is the legal obligation to compensate for damages caused to others, whether material, bodily, or immaterial. If you are found responsible for unintentionally causing harm to another person, this coverage will cover the repair costs, in accordance with Article 1240 and Article 1241 of the Civil Code.

It protects you financially by covering compensation costs so that you don’t have to pay them yourself. For example, if you accidentally damage a video projector at school, your liability insurance will cover the repair costs.