{"id":1653,"date":"2023-08-10T12:44:47","date_gmt":"2023-08-10T10:44:47","guid":{"rendered":"https:\/\/idesramboer.be\/mijn-student-gaat-op-kot\/"},"modified":"2023-12-04T10:52:17","modified_gmt":"2023-12-04T08:52:17","slug":"mijn-student-gaat-op-kot","status":"publish","type":"post","link":"https:\/\/idesramboer.be\/fr\/mijn-student-gaat-op-kot\/","title":{"rendered":"Mon enfant va bient\u00f4t emm\u00e9nager dans un kot d&rsquo;\u00e9tudiant"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-bottom:70px;--awb-padding-bottom-medium:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-padding-left:105px;--awb-padding-left-medium:0px;--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><p>Votre fils ou votre fille est\u00e9tudiant(e) et va bient\u00f4ts&rsquo;installer dans un kotd&rsquo;\u00e9tudiant.<\/p>\n<p>Cela soul\u00e8ve peut-\u00eatre desquestions en ati\u00e8red&rsquo;assurance.<\/p>\n<p>Faut-il souscrire une assurancedistincte pour votre enfant ? Ou y a-t-il une couverture dansla police des parents ?<\/p>\n<p>Qu&rsquo;enest-il de l&rsquo;assurance incendie ?Y a-t-il encore une couverturedans la police familiale ou non ?<\/p>\n<p>Dans ce bulletin d&rsquo;information,on vous donne quelquesexplications \u00e0 ce sujet.<\/p>\n<p><strong>Mon fils ou ma fille restera-t-il(elle) assur\u00e9(e)dans ma propre police d&rsquo;assurance familiale ?<\/strong><\/p>\n<p>Votre enfant, qui est domicili\u00e9 chez vous, est \u00e9galement responsable. Cette responsabilit\u00e9 est pr\u00e9vue dans votre assurance familiale (RC vie priv\u00e9e) et est valable dans le monde entier, \u00e0 condition que vous soyez vous-m\u00eame domicili\u00e9(e) en Belgique.<\/p>\n<p>Certaines polices pr\u00e9voient une extension pour les dommages caus\u00e9s \u00ab par \u00bb la r\u00e9sidence \u00e9tudiante. Certaines polices pr\u00e9voient m\u00eame une couverture (limit\u00e9e) pour les dommages caus\u00e9s \u00ab \u00e0 \u00bb la r\u00e9sidence \u00e9tudiante.<\/p>\n<p>Les dommages caus\u00e9s par votre enfant \u00e0 des tiers sont donc couverts par votre assurance familiale, conform\u00e9ment aux conditions de la police de celle-ci. Toutefois, la faute intentionnelle est toujours exclue, de m\u00eame que les dommages caus\u00e9s par des paris ou des d\u00e9fis. Souvent, les dommages caus\u00e9s sous l\u2019influence de l\u2019alcool, de drogues, de m\u00e9dicaments ou d\u2019autres hallucinog\u00e8nes sont \u00e9galement exclus.<\/p>\n<p>Si votre enfant \u00e9lit domicile dans la r\u00e9sidence \u00e9tudiante, sa couverture dans votre propre police familiale \u00e9choit. Dans ce cas, il est important que votre enfant souscrive lui-m\u00eame une police familiale.<\/p>\n<\/div><div class=\"fusion-image-element \" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"794\" height=\"737\" title=\"news_image_v1\" src=\"https:\/\/idesramboer.be\/wp-content\/uploads\/2023\/08\/news_image_v1.jpg\" data-orig-src=\"https:\/\/idesramboer.be\/wp-content\/uploads\/2023\/08\/news_image_v1.jpg\" alt class=\"lazyload img-responsive wp-image-1202\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27794%27%20height%3D%27737%27%20viewBox%3D%270%200%20794%20737%27%3E%3Crect%20width%3D%27794%27%20height%3D%27737%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/idesramboer.be\/wp-content\/uploads\/2023\/08\/news_image_v1-200x186.jpg 200w, https:\/\/idesramboer.be\/wp-content\/uploads\/2023\/08\/news_image_v1-400x371.jpg 400w, https:\/\/idesramboer.be\/wp-content\/uploads\/2023\/08\/news_image_v1-600x557.jpg 600w, https:\/\/idesramboer.be\/wp-content\/uploads\/2023\/08\/news_image_v1.jpg 794w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 600px\" \/><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-padding-left:105px;--awb-padding-left-medium:0px;--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-margin-top-medium:20px;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-2\"><p><strong>Qu&rsquo;en est-il de l&rsquo;assurance incendie ?<\/strong><\/p>\n<p>Dans la plupart des cas, la responsabilit\u00e9 du locataire de la r\u00e9sidence \u00e9tudiante est couverte par l\u2019assurance incendie du(des) parent(s), m\u00eame si cette r\u00e9sidence \u00e9tudiante est situ\u00e9e hors de Belgique, si son type de construction est diff\u00e9rent ou si vous \u00eates locataire (et non propri\u00e9taire) de l\u2019habitation que vous occupez.<\/p>\n<p>Si votre enfant, qui est domicili\u00e9 chez vous, est responsable des dommages mat\u00e9riels caus\u00e9s \u00e0 la r\u00e9sidence \u00e9tudiante ou au contenu de celle-ci, votre propre assurance incendie couvre ces dommages conform\u00e9ment aux conditions de votre police.<\/p>\n<p>Pour autant que votre assurance incendie couvre \u00e9galement le contenu, cette police couvre \u00e9galement le contenu qui a \u00e9t\u00e9 temporairement d\u00e9plac\u00e9 dans la r\u00e9sidence \u00e9tudiante, conform\u00e9ment aux conditions de la police. Il en va de m\u00eame pour la couverture contre le vol du contenu, \u00e0 condition que la r\u00e9sidence \u00e9tudiante ait \u00e9t\u00e9 cambriol\u00e9e.<\/p>\n<p>Certaines polices stipulent que la r\u00e9sidence \u00e9tudiante ne peut pas \u00eatre une habitation ou un appartement entier, ou que vous ne pouvez pas la louer ou l\u2019utiliser conjointement avec un tiers. Vous ne pouvez \u00e9galement pas \u00eatre propri\u00e9taire de cette r\u00e9sidence \u00e9tudiante.<\/p>\n<p>Si votre enfant se domicilie dans la r\u00e9sidence \u00e9tudiante, la couverture pour cette r\u00e9sidence \u00e9tudiante dans votre propre police incendie \u00e9choira \u00e9galement et une police distincte devra \u00eatre souscrite pour la r\u00e9sidence \u00e9tudiante.<\/p>\n<p>Si vous n\u2019avez pas d\u2019assurance incendie pour votre propre r\u00e9sidence, par exemple parce que l\u2019appartement que vous occupez est assur\u00e9 dans la police globale de l\u2019ensemble du b\u00e2timent, une extension de ce type \u00e0 la r\u00e9sidence \u00e9tudiante sera g\u00e9n\u00e9ralement \u00e9galement pr\u00e9vue dans la police globale. Vous trouverez ces informations dans les conditions g\u00e9n\u00e9rales de la police, disponibles aupr\u00e8s de votre syndic.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":1137,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-1653","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-classifiee"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mon enfant va bient\u00f4t emm\u00e9nager dans un kot d&#039;\u00e9tudiant - Ides Ramboer<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/idesramboer.be\/fr\/mijn-student-gaat-op-kot\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mon enfant va bient\u00f4t emm\u00e9nager dans un kot d&#039;\u00e9tudiant - 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