In our day-to-day lives, we sometimes take out various types of insurance. Some are required by law, others are often recommended, and still others are optional.
If you live in France, you'll need to take out two compulsory types of insurance: civil liability and home insurance. Both are required by law, mainly for protection purposes.
Legal liability
Whether at university, on an internship or in your daily life, your civil liability can get you out of a lot of difficult situations. This essential coverage is designed to compensate victims if you are responsible for an accident, or if you cause bodily injury or material damage to third parties (other people).
This insurance protects you against the financial consequences, which can be very significant, of the damage caused.
NB: You will be asked to take out this insurance at the time of your administrative registration at the University. You must provide it as a supporting document on your Environnement Numérique de Travail (ENT).
Home insurance
This second insurance policy is compulsory for all tenants of any type of accommodation, and will be included as a clause in your lease contract. It covers damage caused to a third party by water damage, fire or explosion in your home.
Nota Bene : Your landlord will ask you for this insurance before you move in.
NB: The price of home insurance will vary according to the type and surface area of the property you wish to insure, as well as the value of your possessions and the level of cover you require.
Shared accommodation
If you share a property, your obligations remain the same. It may be that the owner of the property has taken out insurance covering all the flatmates. If this is not the case, it is sufficient for one of the members of the shared tenancy to take out insurance and include all the other tenants on the contract.
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