Insurance France

How Brexit could impact on your home insurance in France

Do you have a property in France and insure your home with a UK insurance company?

If you own a second home or live in France permanently, it is possible that you have purchased an insurance policy from a UK based insurer. Following the decision by the UK to leave the EU, the UK parliament has recently highlighted the crucial importance of agreement being reached to ensure that thousands of insurance policies were not put at risk before Brexit takes place in March 2019. This is because insurance firms must be legally authorised in an EU country to sell a contract to an EU customer, pay claims, and receive premiums on existing contracts.

So if you have a home insurance policy which is backed or underwritten by a UK provider, it is worth thinking about switching to a French insurer. AXA Marthon is based on the Dordogne/Charente borders and has extensive experience in helping English speaking clients. Of course, it is difficult to know what will be the result of the Brexit negotiations but with the proposed withdrawal of the UK barely 18 months away, it is time to act now.

There are other benefits from using us… especially as we are fully bi-lingual and able to provide a service to you in English at each step of the way. Why?

– UK insurers often misunderstand how French insurance works. For example, many UK policies require window locks for your home, yet this is rare in France.
– UK policies will calculate premiums based on a property value; in France it is the size of the house that counts.

These are only two examples. We have local knowledge and only sell French policies backed by AXA, so we can provide you with peace and mind and a quality service. Contact us today if you wish to discuss further.

AXA Marthon is the authorised AXA representative for the Marthon area in the Poitou-Charentes, providing a professional service to 1,500 English speaking clients in the Charente and Dordogne. We have access to the best insurance and financial services deals in France with bi-lingual, English speaking friendly staff.

Phone us on +33 (0)5 45 70 43 76 or visit our website www.insurancefrance.fr

#livinginfrance #insurance #france #houseinsurance#brexit

At what stage do you need to have home insurance in France?

You’ve discovered your dream home in France … and your offer has been accepted. But at what stage do you need to have home insurance in place?

Household insurance policies in France are generally multi-risk; that means they include contents and buildings as well as third party liability. Your home is one of your most precious assets so it’s important to ensure that it is properly covered to give you peace of mind and protect you financially.

Organising appropriate home insurance is a key part of the purchasing process; indeed, many French notaires will not sign documentation relating to it without confirmation that insurance is in place. Banks may also insist on proof of insurance cover prior to exchange or completion.

Fortunately arranging insurance is not difficult and the cost of buying a policy will generally be cheaper in France than elsewhere. A mistake buyers often make is to use a company based in their home country – who are less likely to know how French insurance works and the property issues in this country.
With our bi-lingual team, we can help you ensure you get the cover you need and explain everything in English. We also undertake home visits to every client within 2 hours drive from our offices on the Charente/Dordogne border. Insurance can normally be arranged very quickly; for example, we will issue you with the relevant documentation to satisfy a notaire.

For those moving home in France, who have an existing policy with us, we will cover your old home during your move to your new house for a 3 month period. We offer exclusive benefits and services with removal specialists and related businesses that will help reduce the cost as well as providing you with an extension of your public liability to cover the people who help you move.

AXA Marthon is the authorised AXA representative for the Marthon area in the Poitou-Charentes, providing a professional service to 1,500 English speaking clients in the Charente and Dordogne. We have access to the best insurance and financial services deals in France with bi-lingual, English speaking friendly staff.

Phone us on +33 (0)5 45 70 43 76 or visit our website www.insurancefrance.fr
#livinginfrance #insurance #france #houseinsurance

The seven wonders in France – how many of them have you seen?

The seven wonders in France – how many of them have you seen?

France has so many beautiful places to visit and enjoy, which makes it quite a challenge to select a few to highlight. Fascinating cities, stunning countryside, gorgeous coast, lakes and mountains, historic landmarks and iconic buildings… the choice is huge!
We thought that we would share with you some of our favourites – Tell us about the places that you love or maybe are planning to visit in the future?

Let’s get started… in no particular order. On the Normandy/Brittany border you will discover Le Mont Saint Michel, an island, cathedral and world heritage site. The superb views across the Bay are simply a wonder to behold.

Did you know that Bordeaux was recently chosen as the best city in the world to visit? The amazing La Cité du Vin is symbolic of France’s wine capital, with great architecture and a vibrant commercial and retail sector.

Staying in south west France, if you haven’t been to Rocamadour, then it’s one for the list. Situated on top of a rocky plateau, this has been voted the Most Beautiful Village in France and it’s easy to understand why.

The fields of Provence are our choice number four; purple lavender filling the air with its beautiful scent and is surely a feast for anyone’s eyes.

France’s extensive collection of châteaux deserves the accolade of one of France’s seven wonders; you will find chateaux of all shapes and sizes throughout many parts of the country and in the Loire Valley undoubtedly you will come across some of the finest.

Number Six? How about the pretty banks of Lake Annecy in the north east, with its’ gorgeous blue waters and attractive environment?

Finally: no post about France is complete without mentioning Paris. The Eiffel Tower, the Arc de Triomphe, the cafes, art galleries and museums… so much to see and do.

We hope you have enjoyed our quick tour… don’t forget that if you’re planning a trip away we can help you with comprehensive travel insurance cover – so you can enjoy your holiday or mini-break free from stress or worry.

AXA Marthon is the authorised AXA representative for the Marthon area in the Poitou-Charentes, providing a professional service to 1,500 English speaking clients in the Charente and Dordogne. We have access to the best insurance and financial services deals in France with bi-lingual, English speaking friendly staff.

Phone us on +33 (0)5 45 70 43 76 or visit our website www.insurancefrance.fr

#livinginfrance #insurance #france #travelinsurance

Having Fun in the Sun and the Pool… check out our useful tips & advice

Having Fun in the Sun and the Pool… check out our useful tips & advice

On a hot, sunny day there’s nothing to beat relaxing by the swimming pool with a cooling drink, spending time reading or enjoying the company of family and friends. Sunshine set against a blue sky is the perfect encouragement to take a dip in the crystal clear water, for a leisurely swim or to have fun. If you are lucky enough to have a pool, there are however a few important things you need to know, so we have put together a few tips.

1. Keep your swimming pool regularly maintained. OK – that sounds obvious, but did you know if you neglect pool maintenance this could shorten its lifespan – by up to half – meaning you need to replace it sooner than you’d hoped. At the beginning and end of the season undertake any major work whilst carrying out checks throughout the summer.

2. Use good quality chlorine tablets. Yes, cheaper tablets may be available but can work less effectively, resulting in a pool that is not either fresh or clean. Direct sunlight can dissipate the power of chlorine so it’s wise to check.

3. Safety first. Certain categories of swimming pool need to have security measures in place to comply with French law. These safety features include, for example, security barriers, pool alarms, pool covers or a pool shelter. For full details, consult a specialist pool contractor or an installer. Failure to comply could mean you receive a hefty penalty of 45,000€ … and even more importantly, it could compromise the safety of children and adults using the pool.

4. Water conservation and energy efficiency. Before starting work on a new pool, you could install a below the ground reservoir which will collect rainwater for use during the long summer months. So even if water is scarce, you can continue to benefit from your swimming pool.

We hope you’ve found these tips useful and that you have a safe and enjoyable time in the sun.

AXA Marthon is the authorised AXA representative for the Marthon area in the Poitou-Charentes, providing a professional service to 1,500 English speaking clients in the Charente and Dordogne. We have access to the best insurance and financial services deals in France with bi-lingual, English speaking friendly staff.

Phone us on +33 (0)5 45 70 43 76 or visit our website www.insurancefrance.fr

#livinginfrance #insurance #france #travelinsurance#swimmingpools

How to get into the French healthcare system

How to get into the French healthcare system?

If you are living in France or you are considering moving to the country and have made no financial arrangements for your healthcare, then this concerns you.

In 2016 France introduced a new universal healthcare system called PUMA with the intention of simplifying access. 
The cost of French healthcare is met by a mix of public and private provision and it is a legal requirement in France to have health insurance cover once becoming permanently resident.
This makes it crucial that every person has healthcare insurance (called the “mutuelle” or top-up) in place in the event of requiring medical treatment. The cost of, for example, a stay in hospital or long-term treatment could be quite significant, potentially leaving you with expensive bills to pay.

Who is entitled to benefit from French healthcare?
There is a legal right to healthcare for residents in France but an important principle is that a person is able to contribute to the system (called “cotisations sociale”) to receive any financial benefit.

There are three main ways in which you will be able to access healthcare: as a self-employed person, a salaried employee or a retiree.

Self-Employed
You may have set-up a SARL type limited company or be trading as a micro-entrepreneur. To access the health system you need to register with RSI and/or URSSAF. For those working in the agricultural sector you should contact MSA.

Salaried Employee
Your employer should make arrangements for you to join via CPAM but this is not a legal requirement. So check and make sure that the paperwork is completed.

Retirees
For those in receipt of a state pension or with long-term health incapacity you are entitled to French healthcare by applying for a S1 certificate from the UK and presenting this to CPAM.
Since 2014 the UK Government stopped issuing S1 certificates to early retirees. Therefore you will need to either take out private healthcare insurance or become employed or self-employed.

Once you are in the system, you can apply for a Carte Vitale which will reimburse you for healthcare costs – but not all. That’s why top-up health insurance is so important, both financially and for your well-being; and we can help you find the best policy for you and your budget. So don’t get caught out with expensive medical bills and contact us today so we can find the best solution for you.

AXA Marthon is the authorised AXA representative for the Marthon area in the Poitou-Charentes, providing a professional service to 1,500 English speaking clients in the Charente and Dordogne. We have access to the best insurance and financial services deals in France with bi-lingual, English speaking friendly staff.

Phone us on +33 (0)5 45 70 43 76 or visit our website www.insurancefrance.fr

What do you need to do to sell your car in France?

What do you need to do to sell your car in France?

If you are planning to sell a car in France there are a number things that you need to know to ensure you comply with the law and ensure everything goes smoothly. Below are a few of the most important issues to consider should you decide to do so privately.

The first decision is: how much to sell the car for?

The second hand car market is different in France compared to the UK which means you may need to do further research to determine the value of your vehicle. There are a number of internet sites which can help you or alternatively you can look at car magazines which should enable to establish a realistic price based on the age and condition of your car.

Once you’ve decided the price you’re looking for, you will need to ensure that you have all of the relevant paperwork in place…. which in some cases means in triplicate.

1. The documents include the Carte grise barrée – the Certificat d’immatriculation barrée and your vehicle registration document; the Certificat de situation administrative (confirming your rights to sell the car, e.g. there is no loan outstanding); and finally the Déclaration de cession (form Cerfa n°13754*02) which is the certificate of transfer and document of sale.

2. A valid contrôle technique (CT). You must be able provide a CT that is valid within 6 months of the date you are selling. A CT is required for all cars over 4 years old.

Once the sale is complete you will need to send a duplicate of the Certificat de vente/cession to the Préfecture where the car was registered (there is no charge for the service but this must be completed within 2 weeks).

It’s also wise to think about how you will be paid to minimise the risk of fraud – a Banker’s Cheque is recommended and you should ask for the name of the bank in advance so you can check it has been issued.

The above is a brief summary of the key considerations and you should seek further advice if you require more detailed information.

AXA Marthon is the authorised AXA representative for the Marthon area in the Poitou-Charentes, providing a professional service to 1,500 English speaking clients in the Charente and Dordogne. We have access to the best insurance and financial services deals in France with bi-lingual, English speaking friendly staff.

Phone us on +33 (0)5 45 70 43 76 or visit our website www.insurancefrance.fr

#livinginfrance #insurance #france #carinsurance#sellingyourcarinfrance

Smoke Alarms France

Do I need a smoke alarm for my home insurance to be valid?

In France it is a legal requirement to have at least one smoke detector fitted in your residential property. The law was introduced in 2015 to encourage a higher uptake in French households of smoke detectors – and ultimately to save lives.

A smoke detector must conform to the required standards (European standard NF EN 14604) and you will not be able to sell your home without it. It should be fitted in corridors or hallways that lead to rooms that are regularly used (sitting rooms and bedrooms). If you rent out a property as a landlord, you must also ensure that a suitable smoke detector is installed, but it is the responsibility of your tenant to maintain it.

When choosing a smoke detector, it’s probably advisable to select from the more established brands on the market. There are different types available (including heat alarms which may be installed in kitchens, for example) and combined smoke and carbon monoxide alarms. If the smoke alarm is battery operated this will generally need to be replaced every 12 months. You can, however, opt for a mains-powered smoke detector but ensure that it has a battery back-up.

We do not require you to confirm in writing (compared to some other insurers) that you have smoke detectors in place. Also, there is no notion of increased excesses on our policies due to the lack of a smoke alarm.

Whichever option you choose, having a smoke detector fitted in your home will potentially save your life in the event of a fire – so without doubt it is one of the best investments you can make.

AXA Marthon is the authorised AXA representative for the Marthon area in the Poitou-Charentes, providing a professional service to 1,500 English speaking clients in the Charente and Dordogne. We have access to the best insurance and financial services deals in France with bi-lingual, English speaking friendly staff.

Phone us on +33 (0)5 45 70 43 76 or visit our website www.insurancefrance.fr

 

#livinginfrance #insurance #france #smokedetectors #homeinsurance

 

European Accident Statement / Car Insurance Claims

If you should have a collision in France, you will need to fill out a “constat amiable” (translated as a “friendly observation”). This document is supplied by your insurance company and is normally found in your glove compartment.

The document can be slightly intimidating. A copy in English can be seen here :

http://www.insurancefrance.fr/wp-content/uploads/2017/03/European-Accident-Statement.pdf

Since 2014, in circumstances where there are no more than 2 vehicles involved, an electronic submission can be made via a smartphone.

The link to the e-constat can be found here:

http://www.e-constat-auto.fr/

 

 

insurance france

Seeking advice and support on health matters in France

During our lives, there will sometimes be situations when we will need the support, advice and guidance of others. This could be as a result of personal health issues or because a member of our family, our spouse or a friend is experiencing difficult circumstances. When we speak French fluently, this may not feel as much of a challenge; however, if we are less confident communicating outside of our native tongue, getting the support and encouragement of others can be crucial.

That’s why voluntary support groups and community associations play such an important role. For example, this could be by giving information in English for a specific health condition, offering a friendly ear for a chat, a home visit or a visit in hospital. As well as general support on life events such as bereavement, cancer, physical disability, depression, or perhaps as a result of finding it difficult to adjust to life in France. Some groups are organised nationally (e.g. Cancer Support France), others regionally or exist in a particular town or community.

In addition to these support groups, there are a range of telephone and online counselling services available that may be appropriate for your needs. You can look for further information online; Facebook groups can be a useful source in addition to online directories and print publications.

Our agency prides itself on the all-round service we offer to our clients – we’ve been living and working in France for more than 10 years, so we understand the challenges people can face in their lives. Our bi-lingual, English-speaking staff are at hand to assist our clients and to ensure that clients have the appropriate insurance cover to meet their needs, whether this is our comprehensive range of Complementary Health Insurance or another of our insurance products. If you want to find out more, contact us for a discussion and we’ll be pleased to help.

AXA Marthon is the authorised AXA representative for the Marthon area in the Poitou-Charentes, providing a professional service to 1,500 English speaking clients in the Charente and Dordogne. We have access to the best insurance and financial services deals in France with bi-lingual, English speaking friendly staff.
Phone us on +33 (0)5 45 70 43 76 or visit our website www.insurancefrance.fr

#livinginfrance #insurance #france #healthinsurance#supportgroupsfrance #bereavement #depression #cancer#counselling #mutuelle

Insurance France

What to do if you have a car accident in France

Road traffic accidents can happen unfortunately; and if you are involved in one in France, there are certain steps that you need to take. In January 2017 it was revealed that deaths from road accidents had increased for the third year running, so it’s crucial that we do all that we can to follow the proper procedures. This article covers the key points of what to do should you have a minor incident involving two vehicles; please refer to your insurance policy or talk to us for more detailed information, including the actions you need to follow for more serious accidents.

If you are involved in an accident:

1. Move your car to a safe place.
2. Place your red warning triangle 30m down the road to alert other traffic and put on the vehicle hazard lights.
3. Wear your safety vest (and ask any passengers to do so).

Your insurance policy includes a constat amiable d’accident form which is used to report any accidents. The constat amiable d’accident enables both parties to detail the facts: names, location, witnesses and insurers and can include both text and a drawing to describe the scene. It doesn’t, however, state who was to blame. Take a note of the other vehicle’s registration number and details of any witnesses or police involved. You are required to sign the form and return the form to the insurer within 5 days; but if you do not understand anything, contact the police.

In the event of injury, you also need to contact the police using 112 or 17.

This article covers the key points, please refer to your insurance policy or talk to us for more detailed information: we shall be pleased to help you. Finally, don’t forget to carry your driving licence with you at all times.

AXA Marthon is the authorised AXA representative for the Marthon area in the Poitou-Charentes, providing a professional service to 1,500 English speaking clients in the Charente and Dordogne. We have access to the best insurance and financial services deals in France with bi-lingual, English speaking friendly staff.

Phone us on +33 (0)5 45 70 43 76 or visit our website http://www.insurancefrance.fr/ 

#livinginfrance #insurance #carinsurance #accidents #france