Rent Guarantee Insurance from €0

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Mieux vivre votre argent
Le Monde
Le Figaro
Le Parisien
PAP
BFM TV
Challenges
Europe 1
Paris Match

Secure your rental investment

At Unkle, we help you to simplify and reassure the selection of your tenant.
We have therefore designed a simple and transparent Unpaid Rent Guarantee.

With Unkle, you have the security to select the right tenant file

Unkle certifies and validates your tenant's file before the insurance is set up.

With Unkle, you don't have to worry about anything

We manage unpaid rent and reimburse you within 30 days.

With Unkle, you protect your property at a simple price

We Insure 100% of your rent from €9.99/month.
Join our community of +6500 insured and happy homeowners!
Calculate your monthly payment online & get your free quote
Calculate your monthly payment

Why get an unpaid rent insurance?

An unpaid rent guarantee insurance allows you to :

Not to be financially impacted by late or non-payment of rent
To accompany you on a daily basis in order to efficiently manage unpaid rents.
Let you benefit from our expertise and know-how
Provide you with legal protection if necessary
Be paid the rent throughout the unpaid rent procedure
Secure my rent now
Make an appointment with an advisor

Two Rent Guarantee insurances to secure your rents

Rent Default Insurance, also known as Rent Guarantee insurance, or GLI (Garantie Loyer Impayé), protects you from unpaid rent. With Unkle, property damage is covered by the landlord's guarantee and legal protection is included in all our insurance packages.

Renter Guarantee

€0 for the landlord
Unkle becomes the guarantor of renters to protect landlords against the risk of default.
Free for the landlord, no need for an individual guarantor
Refunds within 30 days in case of non-payment
No deductible, no waiting period
€96,000 covered
Unpaid rent insurance paid annually or monthly by the tenant: from €14.99 / month
No unpaid rent, Unkle protects you
Learn more
Choose the Renter Guarantee

Rent Guarantee Insurance (Landlord)

From €9.99/month
As a landlord, you subscribe to our Rent Default Insurance (Rent Guarantee Insurance)
No need for a guarantor for your renter (except student or apprentice)
Refunds within 30 days in case of non-payment
No deductible, no waiting period
Up to €96,000 covered, property damage covered up to €7,000
Unpaid rent guarantee (GLI insurance) paid annually or monthly by the owner: from €9.99/month
No unpaid rent, Unkle protects you
Learn more
Choose the Rent Default Insurance

How Unkle works

Choose

Choose the next renter by asking them to subscribe to Unkle

We can also put you in touch with verified and guaranteed renters who are looking in your area.

Be secured

Your renter's file is analysed, verified and certified by Unkle

Share your lease information (date, rent amount...) with Unkle.

Be protected

As soon as the renter has paid, you will receive your guarantee documents.

Share your lease information (date, rent amount...) with Unkle.

You are ready to sign your lease in safety.

Apply for GLI insurance

Complete your online rental guarantee application in just a few simple steps and in less than 5 minutes.

You will immediately know if your next tenant is eligible for rental guarantee insurance and we will be able to check their file.

Have the tenant's file checked

Unkle offers landlords the possibility of checking the tenant's file: the tenant's effort rate, situation, resources and supporting documents are validated beforehand.

This option of checking the tenant's file, which is not obligatory, allows you to avoid any unpleasant surprises when it is reviewed in the event of unpaid rent.

Be protected from unpaid rent

The Unkle GLI against unpaid rent is active as soon as you sign your guarantee contract and you are reimbursed within 30 days in the event of unpaid rent, without any excess or waiting period.

Your guarantee documents are sent to you automatically.
Secure my rent now
Make an appointment with an advisor

How much is Unkle?

- +
Average price recorded
 
per month
That is / year
Save
per year
with Unkle

by month
That is / year
Monthly
Save per month (20%) by paying annually
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Who pays for the unpaid rent insurance?

The payment of your guarantee depends on the offer your choose:
The renter guarantee doesn't cost anything for you : it's paid for by the tenant
Rent Guarantee Insurance is paid for by the landlord

The best support
to get reimbursed in case of unpaid rent

With Unkle, you are relieved of the management of unpaid invoices
Files are validated before subscription, no surprises in the event of a claim.

Refunds within 30 days in case of non-payment
Management of the eviction procedure by Unkle
No deductible
Support for the conciliation phase
€96,000 covered
No waiting period
Declare a new unpaid rent

The process in case of unpaid rent

Most delinquencies are easily settled after a human exchange with the tenant. In all cases, Unkle will reimburse your unpaid rent within 30 days without deductible or waiting period. Our expert team will assist you throughout the entire unpaid rent procedure.

Day 1

You declare your unpaid rent on unkle.fr

We open your litigation file and assist you throughout the procedure.
+ 30 days

Unkle reimburses you for unpaid rent amount.

You send a reminder letter to your tenant, this often unblocks the situation
+ 30 days

You send a formal notice (certified mall)

Registered mail with acknowledgement of receipt allows you to prove that your tenant has received it.
45 days

Our bailiffs serve a summons to pay to your tenant

He now has a maximum of two months to settle his debt
2 months later

Unkle takes tenant to court

If the debt is not settled by this date, we will take the tenant to court
Between 1 and 4 months later

The hearing takes place and the lease is terminated

The tenant has up to two months
to leave the accommodation
2 months later

The tenant must have left the premises

He is evicted from the dwelling
if this is not the case
Secure my rent now
Make an appointment with an advisor

Which tenant to accept for your unpaid rent insurance?

Our unpaid rent insurance offers make it possible to accept all types of tenant profiles. The GLI guarantee is not limited to permanent contracts!

It is not the status that matters to us but the ability of the tenant to pay the rent. We therefore open the door wide to fixed-term contracts, self-employed, freelancers, the unemployed (if they have any income) and other tenant profiles.

Permanent contract
Fixed-term contract
Self-employed tenant
Freelance
Retired tenant
Entertainment workers
Unemployed tenant
Secure my rent now
Make an appointment with an advisor

Verification of the tenant's file before subscription

Unkle systematically checks and certifies your tenants' files before activating your unpaid rent insurance for tenants or owners (GLI insurance).

This avoids any re-evaluation of the tenant's file to your disadvantage in the event of unpaid rent, you will be reimbursed within 30 days whatever happens.

Effort rate

What is the effort rate?

The rate of effort is simply the weight of the rent amount. in relation to your tenant's income. 

The higher the rate of effort, the higher the rent. will be a significant expense for the tenant. 

It determines which rent for which salary.
Effort rate

What is the maximum effort rate accepted for the GLI?

At Unkle, we make sure that the effort rate does not exceed 38% (when the guarantee is financed by the tenant) or 37% (when it is paid for by the owner). In both cases, there is no need to demand an income from the tenant 3x higher than the amount of the rent. (which could translate into an effort rate of 33%).
Effort rate

How is the effort rate assessed?

Our platform automatically calculates the total amount of the tenant's resources by taking into account all the tangible elements (not only the salary) at our disposal: tenant's salary, bonuses, allowances, savings, land income etc. We relate it to the amount of the rent (including charges) to obtain the famous effort rate, expressed as a percentage.
Tenant file

What documents for unpaid rent insurance ?

For each application, we ask for an exhaustive list of supporting documents to be provided.

Our platform adapts to each tenant and each situation. Here are the generic elements required to validate the tenant file:

• Identity document
• Proof of income
• Notice of assessment
• Proof of income supplement
Tenant file

A first, automated check

Our platform performs several actions autonomously:

• Verification of document compliance via our OCR (Optical Character Recognition) technology.
• Study of the concordance with the information provided by the tenant
Tenant file

A second, human check

At the slightest alert, our operators are asked to carry out an in-depth analysis of the file in order to avoid the following common frauds:

• Document forgery
• Salary garnishment
• Incorrect income tax return
• Concealed judicial liquidation (for self-employed workers)
Secure my rent now
Make an appointment with an advisor

Is Unkle risk-free?

Unkle is guaranteed by Sada Assurances, a Rent default Insurance specialist (the first French portfolio of Landlord Rent Default Insurance before AXA).

Our insurer Sada Assurances is the French subsidiary of the DEVK Group, one of Europe's leading insurance companies with an A+ rating.

What are the advantages of Unkle? 

Unkle allows the renter to convince a landlord that he is the best choice to rent their accomodation. Regardless of the renter's status, Unkle guarantees the rent and will reimburse the landlord in case of unpaid rent.

With Unkle, landlords are reimbursed for unpaid rent within a maximum of 30 days.

What is the cost of Unkle? 

The price of Unkle is :

At the expense of the renter (Unkle Renter Guarantee), the price starts from €14.99/month

At the owner's expense (GLI Insurance / Unpaid Rent Insurance) the price starts from €9.99/month
Any other questions ? 
Learn more

Unkle in the Press

PAP
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Unkle customers' reviews

4.8 on 5
on more than 800 reviews

On Trustpilot

Unkle boosted my file and became my rental guarantor. The landlord is reassured and gave me the confirmation of the rental very quickly.

The customer support is great.

Thank you

On Trustpilot

Online guarantor

Easy and efficient access to information and answers.

On Trustpilot

Super concept of Rent Guarantee Insurance which reassures the owners I was informed of the existence of this service by my real estate agent, it lightens the steps and reassures the owners.
I hope that it develops and lasts in time.

On Trustpilot

I recommend Unkle!

I am very satisfied with the services offered by Unkle. Their Rent Guarantee Insurance allowed me, in less than 2 hours, to choose a renter that I could not have taken without their help.

On Google

Young and dynamic team, friendly and reactive.

The guarantee is set up very quickly.

I recommend them.

On Trustpilot

Super concept of Rent Guarantee Insurance which reassures the owners I was informed of the existence of this service by my real estate agent, it lightens the steps and reassures the owners.
I hope that it develops and lasts in time.

On Trustpilot

Unkle boosted my file and became my rental guarantor. The landlord is reassured and gave me the confirmation of the rental very quickly.

The customer support is great.

Thank you

On Trustpilot

Online guarantor

Easy and efficient access to information and answers.

On Trustpilot

Super attentive, understanding and thanks to them I have a flat

On Trustpilot

A big thank you to the whole team! Simple, human, Pro, reactive and especially efficient, it is a real pleasure to deal with you. We made a request and after a complete file we received an answer in less than 2 hours, WHAT ELSE?

We are not just a simple application to be processed step by step, we were accompanied and this as your Uncle would do ;) ! Congrats to this young and modern startup we are still waiting for a answer from other similar platforms! +++

On Trustpilot

Renting without a guarantor

Thank you very much because sometimes in life you don't fit into any existing box, too rich, not rich enough, too young but too old, sick but on a permanent job, lawyer strike for a divorce you're waiting for the papers to prove your separation, you're selling a big house and no one helps you...

Renting without a guarantor is complicated

So, thanks unkle ❤️ ❤️ ❤️

On Trustpilot


Thanks to Unkle! my landlords were able to trust me, I was able to find a place to live as a professional freelancer and not having a guarantor, it's always very complicated... I was very well accompanied and I had easy and quick feedback both by email and by phone and a contract very easily! I sign my lease on Friday and I can't wait to start my new life in my new apartment thanks to Unkle!

A happy tenant!

On Trustpilot

Super concept of Unpaid Rent Guarantee which reassures the owners

I was notified of the existence of this service by my real estate agent, it eases the steps and reassures the owners.

I hope that it grows and lasts in time

On Trustpilot

I recommend Unkle!

I am very satisfied with the services offered by Unkle. Their Rent Guarantee Insurance allowed me, in less than 2 hours, to choose a renter that I could not have taken without their help.

On Trustpilot

Unpaid rent guarantee

I find that it is very appreciable that the tenants are the ones who commit themselves to respect the payment of their rent

On Trustpilot

The Unpaid Rent Guarantee Unkle allowed us to finalise a rental and we can only recommend this company!

On Trustpilot

A good example of professionalism. I rent much more serenely with my Unkle insurance

Excellent

On Trustpilot

My outgoing renter still owed me money. Unkle took over immediately

to be recommended

On Google

Young and dynamic team, friendly and reactive.

The guarantee is set up very quickly.

I recommend them.

On Trustpilot

Great, very easy to use and makes the housing application much easier

On Trustpilot

Very good contact which bodes well for the future

On Trustpilot

I recommend this company which is very reactive to your request.

The very sympathetic reception as soon as you call them and they don't hesitate to contact you quickly to find solutions.

I was sceptical about guarantors by internet but I really had the wrong idea because they are really very competent, since then I recommend them to my friends and family.

On Trustpilot

At last a very intelligent solution that removes the hassle for the lessor of obtaining a guarantor from the tenant...

This is also the solution for the lessors when they don't have a guarantor.
Everything becomes simpler for both parties and allows leases to be drawn up more easily and quickly.

I recommend.

On Trustpilot

As a landlord, I find the process simple, quick and sound. It is a pity that it has not received the same enthusiasm from our board.

Obviously, I have not experienced the unpaid procedure and sincerely I do not wish to have to do so, nevertheless I find the concept of guarantor via insurance much simpler and reassuring.
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