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
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