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

French Insurance

The world is your oyster – places to go in 2017

The world is your oyster, as the saying goes … and today we thought we’d share with you a few of the amazing and interesting places to visit in different parts of the globe. Our first choice is here in France, the second a city break and finally a country that is attracting increasing interest as a great place to go. So get your bags packed and we’ll start the tour.

1. Provence. Now who doesn’t love the beautiful image of lavender fields that is so symbolic of Provence in south east France? Provence is a delightful region with countless vineyards and great scenery. The Provençal town of Avignon is famous for being the home of Christendom for more than 100 years and nowadays it is popular for its’ lively outdoor ambience, medieval heritage and the many places to eat and drink.

2. Lisbon. Many of us enjoy city breaks and Portugal’s capital city is perfect for a short holiday or long weekend. It’s a relatively small city by the sea, has interesting architecture and plenty of delicious seafood. Lisbon benefits from a pleasant climate all year round, too.

3. Nepal. Famous for being the location of Mount Everest, Nepal also has a number of world heritage sites as well as a stunning landscape and a rich culture. Sadly it experienced earthquakes in 2015 but if you are looking for somewhere different, then why not consider Nepal? You will be helping the people rebuild their economy and exploring a fascinating part of the world.

Final note: please don’t forget your travel insurance. Here at AXA Marthon we are able to help arrange travel insurance to ensure that you’ll be covered whatever country you are in (including France) and for all eventualities: free from stress and worry. Enjoy your holiday planning – wherever you decide to go.

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 https://agence.axa.fr/poitou-charent…/…/marthon/atkins-david

#livinginfrance #insurance #travel #provence #lisbon #nepal

Caring for your loved ones even when you are not there

Let’s be honest, making plans to cowhite-liliesver the cost of your funeral is not easy for many people. However, it is important to consider the financial arrangements that will be needed when you die to reduce the stress and worry for your loved ones. And with a policy called Essen’Ciel you can do just that by building up a capital sum to pay for your funeral – and more.

What are the main features of Essen’Ciel?
– You decide on how much money will be needed (between 1,000€ and 10,000€).
– This is adjusted by 1% each year – but the premium you pay will remain fixed.
– This sum is not taxable and is free from inheritance tax.
– You can also decide on who will be the beneficiaries, this could be family or another person (such as a funeral director).

We understand the importance too of helping family members after your death which is why we can offer help with the organisation of the funeral, counselling and also advise on administrative steps including legal and tax issues relating to death and inheritance. This service is available in English.

Essen’Ciel is available for anyone between the ages of 50 to 85 years inclusive and you can apply without the need to complete a medical questionnaire. The policy will give you an immediate cover in case of accidental death or after 12 months in the case of death due to illness. For further details including the policy’s terms and conditions contact us and we shall be pleased to help you, don’t hesitate to ask us for a copy of our guide.

With Essen’Ciel you will have peace of mind that you have given your family wherever they are (in France or the UK) one less thing to worry about after you’ve gone.

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 https://agence.axa.fr/poitou-charentes/charente/marthon/atkins-david

#livinginfrance #insurance #funeralplans

What are my rights as a consumer in France?

If you’ve lived in France for a while you will be familiar with your consumer rights when you buy goods or services in shops or via the internet. But if you’ve recently moved or you are planning to do so, it’s useful to know where you stand so we’ve put together a few consumer rights hints and tips and details of a recently launched service to prevent unwanted phone calls.

When you purchase items online you do have legally protected rights – just as in any other European Union country. These are in the form of legal guarantees and commercial warranties. In 2014 legislation was introduced to regulate e-commerce activities which amended the French Consumer Code, including stricter controls around price labelling (including delivery and other charges), consumer payment obligations and accepted forms of payment.

The Government Service Public website also contains detailed information and guidance (in French only) on the rights of the consumer and responsibilities of the supplier, including details of exceptions, cooling off periods and much more.

If you are looking to make a complaint and need some help, you may wish to consult one of the 18 different Consumer Associations that exist in France. Their role is to represent and defend the interests of consumers across many types of services and products.

When you buy online, the retailer is obliged to inform you about the right to change your mind, which in French is called the droit de rétractation. Once this is invoked they must refund all of your money although this does not include the cost of returning the purchase.

Internet fraud is a concern too for many shoppers online. If you suspect fraud or suspicious behaviour via the Internet you can inform a body called PHAROS who will take appropriate action.

AXA France also has an insurance policy protecting against cyber-related risks: contact us to find out more.

Finally, many of us dislike receiving unsolicited advertising telephone calls. This summer a new official telephone preferential service called Bloctel was launched in France which enables households to remove themselves from direct marketing lists.
Once you’ve added your name this should significantly reduce unwanted calls.

Understanding your consumer rights is a broad subject and we cannot provide any legal advice on these matters. However, hopefully you’ve found the post useful and its helps you to experience stress free shopping.

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 websitehttps://agence.axa.fr/poitou-charent…/…/marthon/atkins-david

#consumerrightsinfrance #onlineshopping #cyberfraud #insurance#assurance

Health matters: accessing the French healthcare system

Accessing French healthcare may seem daunting but it’s important to understand how the system works… and potentially avoid a costly medical bill should you or your family become ill. To be considered legally resident in France you must make arrangements for your healthcare, so this post aims to help you by summarising the main options. Although your European Health Insurance Card (EHIC) is valid when you travel to France,once you become legally resident here you’ll need more permanent measures. In June, the UK voted in the Referendum to leave the EU but until those negotiations are complete your entitlements as a UK citizen to French healthcare remain unchanged.

French healthcare is a mix of public and private provision and not all costs are met by the state; therefore you will need to think about mutual healthcare cover. How you access health care in France will depend upon whether you are retired, early retired (that is under the State Pension age) or in employment/self-employment.

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 (Caisse Primaire d’Assurance Maladie).

Early Retirees
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.

Employed and Self-Employed
Many people moving to France opt to become self-employed and this is one way of becoming eligible for healthcare by registering
with RSI (Régime Sociale des Travailleurs Indépendants). For those working in the agricultural sector you should contact MSA (Mutualité Sociale Agricole).

Once you have determined whether you need private healthcare cover or just a mutuelle healthcare cover (top up) we can then help you choose the right one. There are a wide range of options available which will depend upon your age, health and the type of cover you are seeking.

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 websitehttps://agence.axa.fr/poitou-charent…/…/marthon/atkins-david

‪#‎Frenchhealthcare‬ ‪#‎healthinsurance‬ ‪#‎topupinsurance‬ ‪#‎livinginfrance‬‪#‎medicalinsurancefrance‬

How to register your RHD car in France

If you’ve recently moved to France or are planning to do so, it’s crucial that your RHD car is properly registered to conform to French regulations and ensure that your insurance remains valid. There may be some variations between regions in interpreting the law, so it may be worth checking with your local mairie if you’re unsure.
Don’t forget that you will need to notify the DVLA in the UK that you are exporting your car to France and provide them with a French address.
Registering a car in France is referred to as immatriculation and the following are the main stages involved if you have a RHD used vehicle from the UK:-
• Obtain a Certificate of Conformity. This is the car manufacturers’ assurance you’re your vehicle conforms with current relevant legislation in France. Note… any documents must be original and not photocopies.
• Change the car headlights to the RHD position. The stickers used to redirect the lights are OK for holidaying in France – but not for a permanent move. Costs vary but generally can be quite expensive.
• Obtain a Côntrole Technique for the car. This is France’s equivalent to a MoT. You’ll need to take your Certificate of Conformity and other documents with you.
• A Tax Certificate (or Quitus Fiscal). This is obtained from your Centre des Impôts; if your car is older than 6 months and has driven more than 3,500km no tax will be due.
• Visit the Préfecture to obtain your Carte Grise.
• Change your car’s number plates.
• Amend your Côntrole Technique and insurance documentation.
Generally you will have up to 3 months to register your vehicle once moving to France – but if you are unsure speak to us and we can advise how this may affect your insurance.
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 https://agence.axa.fr/poitou-charent…/…/marthon/atkins-david
‪#‎registeringyourcarinfrance‬ ‪#‎frenchcarinsurance‬ ‪#‎movingtofrance‬

Finding the right artisan for the job in France

Finding the right builder or artisan to undertake renovations in your home can be problematic at times. If you have a second home in France, you may not be as familiar with the local trades and even if living here permanently there are a number of things to think about before hiring an artisan/builder.

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Most importantly, before agreeing work with any artisan check to make sure that they are properly registered and hold the appropriate insurance for the work that they intend to do. Legally it is the responsibility of the homeowner to do this; not only will the building work not be insured against faulty workmanship you could risk a penalty from the authorities if, for example, the artisan has an accident on your property. It is highly recommended that you ask for their SIRET number and a copy of their insurance (called decennial insurance which guarantees work for 10 years) before they commence the project.

France is no different from other countries in that it’s always best to obtain a range of quotations from different businesses before deciding to proceed. Particularly with larger renovation projects, the cost of the work can vary significantly so it pays to shop around (obtain at least 3 devis). You should always request a written devis from the artisan which is generally always supplied free of charge; but once a devis is agreed and signed it is a binding contract between both parties – including the price and the scope of works. Of course the devis will last for only a defined period, so check the detail and discuss directly with them to avoid future misunderstandings.

If you are new to an area, there are plenty of ways to obtain details of potential contractors: online directories, the local Mairie, small ads and of course by talking to your friends and neighbours – they may have recommendations on artisans that they have used previously.

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 https://agence.axa.fr/poitou-charent…/…/marthon/atkins-david

We are your one-stop-shop for insurance and financial services.

‪#‎builders‬ ‪#‎artisans‬ ‪#‎devis‬ ‪#‎decennialinsurance‬ ‪#‎insuranceinfrance‬ ‪#‎expats‬ ‪#‎frenchinsurance‬