Am I eligible for rent-guarantee insurance (GLI)?
GLI insurers accept a tenant whose effort rate (rent + charges relative to income) stays under about one third of their income. Enter the rent and, if you know them, the tenant's income: this test instantly checks eligibility and computes the recommended minimum income. No sign-up, no data stored.
Rent-guarantee insurance (GLI): eligibility conditions
Rent-guarantee insurance (GLI) is a policy taken out by the landlord that compensates them for unpaid rent, and often covers damage and legal costs. In return, the insurer requires the tenant to be solvent when the lease is signed.
The main criterion is the effort rate: the rent including charges must not exceed about one third of the tenant's net income (the "income >= 3x the rent" rule). Eligible income is usually wages, but also certain pensions, rental income or benefits depending on the insurer.
Other conditions apply depending on the contract: type and seniority of the employment contract (permanent contract outside probation, fixed-term, self-employed), presence of a guarantor, no reported incident. The same file may be refused by one insurer and accepted by another: this test gives a first indication, it does not replace the review of the file.
Frequently asked questions
What is the maximum effort rate for GLI?
Most GLI insurers require an effort rate of about 33%: the rent including charges must not exceed one third of the tenant's net income, i.e. income of at least 3x the rent. Some policies accept up to 35%.
Can GLI and a personal guarantor be combined?
No, as a rule. Since the law of 6 July 1989, a landlord may not combine rent-guarantee insurance (GLI) with a personal guarantee for the same lease, unless the tenant is a student or apprentice. You must therefore choose between GLI and a guarantor.
Which income is taken into account?
The net monthly income of the tenant household: wages, but also, depending on the insurer, retirement pensions, rental income or benefits. This test uses the net income you enter; the insurer will ask for the matching supporting documents.
Does this test guarantee acceptance by the insurer?
No. This test checks the main criterion (the effort rate) but each insurer applies its own rules: type of employment contract, probation period, seniority, guarantor, past incidents. Only the insurer's review of the file is a decision.
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