Clic Assure

C'est la rentrée...des assurances !

Tuesday, September 20, 2022 Dernière modification le Wednesday, September 21, 2022

L’assurance des étudiants

Les grandes vacances sont finies, c’est le retour au travail et la rentrée des classes.  Les entreprises font le bilan de leur année et préparent la prochaine, les commerces saisonniers ferment leurs portes et les enfants se réjouissent (plus ou moins) de reprendre les cours. Les plus grands quittent enfin le foyer pour faire leurs études ailleurs, loin du nid familial. Or la question se pose, quels sont les incontournables pour assurer un étudiant ?

Biens meubles et responsabilité de l’étudiant

Est-ce qu’un étudiant a besoin d’une assurance distincte pour couvrir ses biens meubles et sa responsabilité ? Est-il couvert sur la police de ses parents ? Voilà d’excellentes questions à poser à votre représentant d’assurance.  En général, lorsqu’il s’agit d’un enfant à charge, la police d’assurance habitation des parents couvrira les biens de l’étudiant jusqu’à concurrence d’un certain pourcentage du montant global des biens meubles assurés, 10% étant généralement la norme. La responsabilité civile de l’étudiant, c’est-à-dire les dommages qu’il pourrait causer, est aussi comprise dans la plupart des cas. Si votre jeune est en colocation, il serait prudent de vérifier que ses colocataires sont bien assurés aussi...

Définition de l’enfant à charge

Il faut toutefois respecter la définition d’enfant à charge, définition qui se trouve dans le libellé des polices d’assurance. Ainsi, est habituellement considéré comme enfant à charge, tout enfant âgé de moins de 21 ans, ou de moins de 26 ans s’il étudie à temps plein.  L’adolescent qui travaille plus de 30 heures par semaine doit aussi étudier à temps plein pour être une personne à charge. Bien des polices d’assurance énonceront d’autres conditions : que l’étudiant habite une autre adresse que la vôtre et qu’il soit inscrit dans un établissement reconnu, entre autres. Consultez votre représentant pour réviser vos montants d’assurance au besoin et vérifier les limitations.

Assurance automobile du jeune conducteur

Vous avez acheté une voiture pour que votre jeune puisse faire l’aller-retour les fins de semaine ?  Une minoune pas trop rouillée, pas besoin de la grosse assurance, pas vrai ? Mais devriez-vous l’assurer sur votre police d’assurance ?  C’est un pensez-y-bien. Le plus simple sera probablement qu’il devienne le propriétaire immatriculé de la voiture et qu’il obtienne sa propre police, ce qui vous évitera de subir des augmentations chaque fois que junior a un accident. De son côté, il pourra assurer seulement sa responsabilité civile pour limiter le coût de l’assurance. Parlez-en à votre représentant.

ClicAssure, pour filer à toute allure vers le meilleur prix

Si vous voulez maximiser vos chances d'obtenir un meilleur prix pour vos protections actuelles, vous avez intérêt à magasiner. Et maintenant, c’est facile et rapide, grâce à Clicassure. Remplissez notre formulaire et obtenez gratuitement par courriel les offres de nos partenaires. 

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