How to declare a vehicle accident

Accidents have to be declared to your insurance company within 5 working days.   The ‘Constat d’accident’ needs to be filled in by both parties, click ‘here’ to download a copy of the ‘Constat d’accident’ form (in French and English). Both parties have to provide a copy to their insurance company. If no one else is involved … Read more

UK official guidelines about living in France

The government website about living in France gives a lot of information on official guidelines about general living, working, retiring and of course Brexit. From all the articles I have read from different sources, this is probably the safest!   You will find links on the French government site about Brexit which is very informative … Read more

How to join the French healthcare system

We are extremely lucky in France to have one of the best healthcare system in the world. If you are retired,  the few steps below will help you to join the French healthcare system.   In order to register with your local social security office ( CPAM ) you will be required to submit a … Read more

Choosing an insurance company…

Your choice should never be made on cost only, always remember that you get what you pay for.   A company that has been in business for many years, with the same members of staff is often a good sign.   Ask questions, your initial gut feeling is often right, how do you feel the … Read more

How to cancel an insurance in France

Most contracts in France, whether they are insurance contracts or others are set up on an automatic renewal basis. This means that they will be automatically renewed unless you don’t give the proper amount of notice to cancel.   Various solutions are on hand in order to cancel your policy, which can only be done … Read more

Towing a caravan or trailer in France

….what are the requirements.   Rule 1: General legal requirements All caravans or trailers have to display a number plate. Failing to display a number plate could result in a fine that can go up to 750 euros maximum, in the same way as not being able to show the police your driving license, registration … Read more

Types of car insurance policies

There are 3 levels of cover available to insure a vehicle: third party only ( “Au tiers” ), third party fire and theft ( “Au tiers + vol, incendie, bris de glace”), and fully comprehensive (“tous risques”).   Car owners must carry with them the registration documents of the vehicle, a valid insurance certificate: the … Read more

Registering your vehicle in France

When bringing in a UK registered vehicle to France, you have a duty to register it with your local French authorities, either prefecture or mairie. This involves getting a “carte grise “ (the equivalent to the log book) and new French number plates. Normally, French insurance companies cannot insure vehicles registered in foreign countries because … Read more

All risks house insurance

What you have to declare in order to be covered and what is excluded   An all risks (multirisques) insurance policy will cover, not only your public liability, but your home, personal belongings, and those of your household.   The risks covered will include those of fire, explosion, theft and flooding, leaks, storms, snow, vandalism, … Read more

No Claims bonus for car insurance

The no claims bonus in France is expressed in coefficient, and not in percentage. It starts at coefficient 1 as a new driver. The coefficient that is earned is multiplied by 0.95 each year without claim at fault until it reaches 0.50 which is the maximum entitlement.   For instance with a coefficient at 0.72 … Read more