2024-03-21 14:06:14
A little over a year after its launch, the home insurance system for the middle class and low-income households has benefited around 5,000 homes. Launched in January 2023 in partnership with the VYV mutual group (MGEN, MNT, Harmonie Mutuelle, etc.), this insurance, designed by the Paris town hall, offers a single price in all districts, depending on the number of rooms, whether either in the private or social park.
The objective is both to fight against “bad insurance» or the absence of insurance, reason for lease termination and eviction which affects 1.7 million households in France, and to improve the purchasing power of Parisian households. According to Benjamin Haddad, vice-president of VYV Conseil, the proposed rates are “on average 20% to 30% lower than Parisian market prices». «In total, more than 4,000 policyholders have subscribed in 2023“, he declared during a press briefing, adding that “other cities were wondering» on the launch of such a device.
700,000 HLM tenants
«We are now at 5,000, with 1,000 contracts signed since the start of 2024», Specified Jacques Baudrier, PCF deputy for Housing, recalling in passing that the capital has 700,000 tenants in the social housing stock. “As for therent controlthese devices are very protective but suffer from not being well enough known», recognized Barbara Gomes, delegated advisor in charge of tenant protection (PCF).
In addition to living in Paris, two conditions are necessary to be able to subscribe: being a tenant of your main residence and having a reference tax income of less than 33,860 gross for a single person, and 50,605 euros for two people. To attract more households, the ceilings were increased by around 39%. Asked about the economic model of the system, which also offers coverage in the event of theft, Benjamin Haddad admitted that it was working for the moment “at a loss» but the VYV group, a non-profit organization under private law, is committed to a “zero margin» and hopes to recoup its costs by “three to four years“. To do this, he relies on “5000 to 7000 new annual subscriptions».
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