ADVICE
DO YOU Léna Eaton
have it covered? Whether you live or work here or are considering a move to France, French insurance is one of those must haves in terms of contract and knowledge. We asked Léna Eaton of Agence Generali for a straightforward overview. 40
HABITATION
Property insurance covers your building, content, and public liability whether you are an owner, tenant or co-propriétaire. Options include valuables, musical instruments, sports equipment, etc. Clauses can be added if you let your property (annually or seasonally), exchange home, or if you work from home (téletravail). Tenant’s insurance is a legal obligation in France.
TONDEUSE AUTO PORTÉE
If you have a sit-on mower check that it’s included within your household policy, you will need to insure it for fire, theft and damage in a separate policy.
VOITURE/MOTOS/ CAMPING-CAR
Covering cars, motorcycles and camper vans, you have a choice of cover: Third Party, Third Party Fire and Theft, Fully Comprehensive. An annual green card is normally provided, and some insurers can insure your foreign registered vehicle whilst you are in the process of re-registering it in France. Options include assistance, recovery home start, replacement vehicle, content, and driver’s life/ disability insurance.
SANTÉ : COMPLÉMENTAIRE, MUTUELLE
Around 88% of people in France have a top up medical insurance policy providing full
cover or cover for hospital treatments only. The insurer usually liaises directly with l’assurance maladie to reimburse you. If you are not registered in the French system, private plans are available for a few months or for a longer term basis.
SCOLAIRE:
Whilst this can be taken out separately, school insurance can be an option within your property insurance and covers the damage a child can cause to others, as well as corporal accidents at school, on the way to school, and during extra activities.
GARANTIE DES ACCIDENTS DE LA VIE (GAV) Even if you are registered in the health system, certain
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