Mer ou montagne, les Français privilégient les locations saisonnières - DR Pixabay

Seasonal rental in France: why insure your stay for this winter?


The health crisis has boosted seasonal rentals

Indeed, the various travel restrictions that we have known for almost two years have prompted the French to find alternatives within our borders. Thus, as they sought to flee the towns and condominium buildings in order to buy pavilions with gardens in rural areas, the French turned to modes of holidays close to nature, far from crowds and health constraints ; they therefore favored furnished seasonal rentals in France.

It’s a safe bet that this trend will still be relevant for this winter and the many reservation requests currently being made are already confirming it.

It is therefore an opportunity to (re) examine the conditions of sale of these rentals as well as the insurance that accompanies them!

The seasonal rental must be defined by a rental agreement and the latter must mention: – the respective names of the lessor and of the tenant (s) – the start and end dates of the rental (the stay cannot exceed 90 days) – the description of the accommodation and its location – the rental price – payment terms with the payment of a deposit or deposit to validate the reservation – the amount of the security deposit or deposit, often supplemented by a request from the tenant for an insurance certificate “rental liability »- tourist tax – compulsory annexes: inventory, information notice, etc.

What happens in the event of cancellation by the tenant?

In the event of cancellation by the tenant, the deposit is retained by the lessor.

On the other hand, when the tenant has, in accordance with the rental contract, paid a deposit instead of a deposit, then the full amount of the rental remains due to the lessor (unless otherwise specified in the rental contract and in place of a defined cancellation fee schedule). In any case and whatever the model favored by the lessor, in the event of cancellation, the tenant risks the loss of all the sums involved.

And on the lessor’s side?

For his part, the lessor must return the sums paid to the lessee as well as compensation provided for by law if the cancellation is his fault.

This can, for example, occur following a deterioration of his property by previous tenants. It is this risk of deterioration of his property that encourages the lessor to require the tenant to have a “rental liability” insurance certificate
Multi-risk home contracts often offer this guarantee, but the coverage limits often remain very low..
The lessor can then impose additional insurance on the lessee.. In the event that the amount of the repairs is not covered by this home insurance, the payment will legally come back to the tenant. So that we position ourselves both as lessor and as tenant, compliance with the cancellation conditions and the risks linked to a material degradation of the rental encourage and invite the tenant to take out a specific comprehensive insurance contract adapted to the rental of furnished tourist accommodation and including this “rental responsibility”.

Apart from brokers and insurers, who can offer this kind of rental insurance contract?

Any professional in the sale of tourist products who would have made an agreement with an insurer or broker.

Who are then the beneficiaries of the subscription of such a contract?

Obviously, it is the end customer, the tenant, who benefits from the cancellation insurance and repatriation assistance guarantees offered by this contract. It is he who decides to be the subscriber and to become the beneficiary.
BUT NOT ONLY ! The professional selling a tourist service can also reap many benefits. to offer this insurance service as an additional sale, for example: – The possibility of reassuring its customer and” make it easier to confirm your reservation

– The possibility of hardening terms of cancelation and avoid the loss of profit generated by a cancellation – The remuneration of this additional sale. – The easy management of a claim file : the insured customer deals directly with the insurance. The tourism professional becoming only an agent or an intermediary in the resale of insurance – The assurance that the customer has sufficient “Rental Liability” cover for both bodily injury and material damage You will understand, we are talking about customer experience. Check with your insurance broker who will be able to advise you in your choice.