How to set up your home and car insurance in France
PUBLISHED: 10:00 08 August 2018 | UPDATED: 10:00 08 August 2018
Thinking of moving to France? Make sure you make home and vehicle insurance top of your to-do list before starting your French life
Home and contents
Home and contents cover comes in various packages. Extra options are available to cover ither items such as jewellery, valuable belongings, swimming pools, that little garden that belongs to you down the road or your garden equipment.
• Holiday home/secondary residence: Public liability insurance is obligatory when insuring your French property and is always included in your home and contents cover. Public liability on a secondary residence will usually cover damage caused by the property to a third party. For example, a plant pot falls from your upstairs windowsill and falls onto the head of a passer-by causing injury. Home and contents insurance can range from ‘wear and tear’ to ‘new for old’ – you choose. Unlike the insurance policies you may already be used to, contents cover forms an integral part of a house insurance contract; it cannot be removed from a policy and is not sold separately.
• Rental property: If you are purchasing a property to rent out for short-term holiday lets, your public liability cover would normally continue under the condition that the tenants at the property do not stay longer than three consecutive months. In the event of a long-term let the property will need to be insured by you ‘the landlord’ to cover the buildings and your public liability, and on a separate contract via your tenants for their contents and public liability.
• Main residence: Those of you making a permanent move to France will need a complete home and contents cover with full public liability included. Think about any extra cover you may need if your home has been previously used just for holidays. Maybe you’ll need to increase contents cover, insure precious items, jewellery or artwork. You may now have invested in a ride-on lawnmower or be building a pool. Are you extending or renovating the property, adding extra rooms? Don’t forget to mention all this when changing or putting a new policy into place with your insurer. And remember, accidental damage cover is not included in French home and contents insurance, so if you spill a glass of wine over your new carpet you can’t make a claim!