The best way to minimise this risk is through diligent research when looking for the right area for your new home, as well as the right insurance for your property and its contents.
The contents of an insurance policy, its cost, and the eligibility requirements will differ depending on the insurer itself. We heartily recommend using a reputable international insurance company, who can provide you with a comprehensive and tailored plan that meets your needs – and more importantly, is written in your native language.
There will also be different insurance requirements if you are purchasing your French property as a second home and intend to rent it out – you will need to make sure your provider is aware of this and that your policy reflects these circumstances. If you will still be based mainly in the UK, we recommend considering a UK-based company that specialises in holiday home insurance. The main benefits for this include: the ability to pay in sterling and by direct debit, higher liability limits and a specialist policy intended for holiday homes. Some companies will even have a 24-hour helpline offering assistance in the case of domestic emergencies.
Get a free quote from a leading UK-based holiday home insurance firm offering all of the above.
Whatever option you choose, it’s really important to make sure that you set up your home insurance policy on the day before you complete on your purchase; this is compulsory and will be checked by your notaire.
Once you have your home insurance, it’s a good idea to check with them what else they can cover for you, and if you can receive offers for buying further insurance through them – such as for car, health and even travel.
Health insurance is always a good idea to sort out before you move, especially as an expat. We have a close relationship with a trusted health care partner who can give you a free quote.
Car insurance in France covers the car itself, rather than the person. This means that anyone, providing you have given them permission and they have a license, is authorised to drive your car.
Whoever you decide to choose for cover, it’s always worth shopping around to ensure you have the best deal. There are numerous insurance companies that you can compare, which are usually all similarly priced, including Gan, Generali and Axa; Generali are particularly popular with expats as they have an English-speaking line.