Cap Working Holiday: exclusive civil liability cover for rental risk.

 

If you have just been granted a Working Holiday Visa (WHV) for Canada, Australia, New Zealand, Argentina or Japan, unless you plan to travel the country in a van (as people sometimes do in Australia), you will no doubt rent an apartment or share accommodation whenever you decide to stay somewhere for a while. 

As is the case in France, you must be insured for your accommodation. What would happen should you be liable for a loss or damage in your apartment? Would you be insured?

 

Cap Working Holiday is the only policy that covers this risk during working holidays. Other policies merely cover civil liability in a non-professional context, but exclude damage caused to your accommodation. 

In other countries too, you will be deemed liable for any damage caused to your accommodation. You must be careful, as the slightest mishap could result in immediate action against you by the owner and you could find yourself with a bill for thousands of euros. Your travel budget could be severely depleted if you were to break a window or cause water damage.

 

Chapka’s exclusive policy will cover you for up to €100,000, subject to an excess of €80, should any damage be caused to your accommodation. Please note however that we only cover accidental damage.

The comparison below provides more information on our WHV insurance:

 




CHAPKA ASSURANCES
CAP Working Holiday
APRIL
Pack Spécial PVT
ACS AMMI
Globe PVT/WHV/EIC
ONLINE SUBSCRIPTION
YES YES YES
DEFERRED PAYMENT
3 installment payment
(+1.50% of the total amount)
Monthly payment available
(+3.00€/month)
NO
MEDICAL FILE TO BE COMPLETED UPON SUBSCRIPTION
NO YES DECLARATION
OF HONOUR
SUSBSCRIBING CONDITIONS
WHENEVER
(You'll receive your
contract by email)
BEFORE
DEPARTURE
ONLY
BEFORE
DEPARTURE
ONLY
ZONE GÉOGRAPHIQUE DE COUVERTURE
WORKING HOLIDAY VISA
COUNTRY AND WOLRDWIDE
NO LIMITATION
WORKING HOLIDAY VISA
COUNTRY AND WOLRDWIDE
90 DAYS MAX.
WORKING HOLIDAY VISA
COUNTRY AND WOLRDWIDE
NO LIMITATION
HOSPITALISATION & COMMUNITY MEDICINE
UNLIMITED
100% OF ACTUAL COSTS,
FROM 1ST EURO
€ 200 000 UNLIMITED
100% OF ACTUAL COSTS,
FROM 1ST EURO
OPTICAL COSTS ONLY IN THE EVENT OF AN ACCIDENT
€ 200 € 350 NO
EMERGENCY DENTAL CARE
€ 500 € 200 € 300
MEDICAL EXPENSES IN FRANCE
OUI
€ 1,000,000

in case of hospitalization
€ 15,000
community medicine
YES
€ 200,000
€ 80
max. per medical consultation
YES
€ 15,000
maximum
++++++++ ++++++++
DAILY HOSPITAL ALLOWANCE
€ 50 PER DAY
since 4th day in hospital
NO NO
MATERNITY
75% OF
ACTUAL COSTS

€ 10,000 max
NO NO
PRESENCE DURING HOSPITALIZATION
HOSPITALIZATION
ABOVE 72H

ROUNDTRIP TICKET +
€ 50 PER NIGHT
€ 500 MAX
HOSPITALIZATION
ABOVE 6 DAYS
ROUNDTRIP TICKET +
€ 80 PER NIGHT
10 NIGHTS MAX
HOSPITALIZATION
ABOVE 6 DAYS
ROUNDTRIP TICKET +
€ 80 PER NIGHT
10 NIGHTS MAX
REPATRIATION
ACTUAL COSTS ACTUAL COSTS ACTUAL COSTS
EARLY RETURN
ROUNTRIP TICKET
IN CASE OF DEATH OR
HOSPITALIZATION
ABOVE 48H

(spouse, partner in a civil solidarity pact, legitimate, father, mother, brothers, sisters, grandparents)
ROUNTRIP TICKET
IN CASE OF DEATH OR
HOSPITALIZATION
ABOVE 5 DAYS
(spouse, father, mother, brothers and sisters)
ROUNTRIP TICKET
IN CASE OF DEATH
ONLY
(spouse, father, mother, brothers and sisters, grandparents)
SEARCH AND RESCUE EXPENSES
€ 5,000
max. per person
€ 25,000
max. per event
€ 5,000
max. per person
€ 15,000
max. per event
€ 3,000
maximum
LUGGAGE COVER
DURING THE TRIP
in case of theft with violence or burglary

MAX € 2,000
ONLY DURING TRANSPORT
MAX € 1,600
ONLY DURING TRANSPORT
MAX € 1,150
SCUBA DIVING
YES
max. depth 40m
NO YES
SURF / KITESURF
YES NO YES
HIKING
YES YES YES
SKYDIVE / PARAGLIDING
NO NO NO
BODILY HARM AND CONSEQUENTIAL LOSSES FOLLOWING COVERED BODILY HARM
€ 4,000,000 € 4,000,000 € 4,575,000
PROPERTY DAMAGE AND CONSEQUENTIAL LOSSES FOLLOWING COVERED PROPERTY DAMAGE
€ 450,000 € 460,000 € 450,000
DEDUCTIBLE
€ 80 € 75 € 80
CIVIL LIABILITY FOR RENTALS ABROAD
YES
€ 100,000/event
YES
included in property damage guarantee
NO
COVERAGE OF LAWYER’S FEES
€ 3,000
MAX.
€ 3,000
MAX.
€ 3,000
MAX.
BAIL ADVANCE
€ 7,500 € 15,000 € 7,000
ASSISTANCE IN CASE OF THEFT, LOSS OR DESTRUCTION OF ID DOCUMENTS OR PAYMENT MEANS
FUND ADVANCE
€ 500
MAXIMUM
FUND ADVANCE
€ 1,000
MAXIMUM
FUND ADVANCE
€ 700
MAXIMUM
ONLINE
expenses under € 500

ORIGINAL DOCUMENTS
BY MAIL
ORIGINAL DOCUMENTS
BY MAIL
This information is not contractual.
Please refer to the Terms and Conditions available on the distributor's websites

 

Should you have any questions about the cover we provide, don’t hesitate to contact our advisers on +33 (0) 1 74 85 50 50 or by e-mail at info@chapka.fr.


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