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Understanding depreciation in house insurance claims

Understanding depreciation in house insurance claims

our house and most of its contents – such as your roof, laptop, and furniture – may lose value over time due to factors such as age and wear and tear. This loss in value is commonly known as depreciation, “vétusté” in French. Under most insurance...

Travel insurance

Travel insurance

s we are full on Skiing season, which means HOLIDAY! Here is all you need to know about travel insurance. You are retired and covered via the S1: The UK government will NOT cover you outside Europe, but you are covered inside Europe via the...

Terrorism and insurance

Terrorism and insurance

k, this is an article I wish I did not have to write about but in the wake of the events of last November in Paris, I have had a few questions from customers about it so let’s answer them. I think it is important to talk about it from an insurance...

School insurance

School insurance

es, it’s September and that only means one thing: Back to school!!And you must wonder why the school ask you for a certificate of assurances for your child so let me explain what it is, what it is for and how much it costs! What is it:  It is an...

Protection juridique / Legal cover

Protection juridique / Legal cover

ell, let’s face it; none of us want to have to use this insurance as that means we need to use a lawyer!! And they are worse than insurance or bank people!! Excluding me of course! I actually have met lots of people who have this insurance and...

Sick pay self-employed insurance

Sick pay self-employed insurance

his article is mainly directed at Artisans, Commerçants and profession liberal people who moan all the time about having to pay their cotisations to RSI!! Well, I can’t please everyone all the time! I found out the other week that some people did...

Professional insurances

Professional insurances

s More and more of you are coming to France to work (instead of just enjoying the good life), I thought it would be of interest to you hard working people what type of professional insurance you need. But this article could also be of interest to...

Legal protection insurance

Legal protection insurance

Allianz legal protection is here to help you! 6.10€ per month73.20€ per year  Up to 20 000€ per claim VIE QUOTIDIENNE Family, divorce, adoption   Assets   Inheritance   Taxes   ● House and Neighbours   ● Consumer goods and all services   ● Tradesman   ● Internet...

Pet insurance

Pet insurance

hen you know that the average price for a ruptured ligament is between €300 to €800, €1000 for a broken leg and up to €2000 for a hip replacement, why not consider pet insurance. First of all, pet insurance is for dogs and cats only! We don’t want...

How to cancel insurances in France

How to cancel insurances in France

ell, I lost count how many times I had British people asking how to cancel insurances in France (not from my customers of course, as nobody wants to leave BH assurances!!!). Note also that in France, insurance contracts are renewed automatically!!...

House insurance: Being under insured and some facts

House insurance: Being under insured and some facts

t often comes as a surprise to some people that when they want a quote for their house insurance, I ask to come and visit it. If it is too far, I asked them for a complete description of the house. This is because in France, you are insured in...

Accidental insurance

Accidental insurance

think this insurance is VERY important, especially if you are prone to accidents or clumsy!!And especially if you are renovating your house! And most of you are (all I can hear in builders’ merchant shop is English speaking customers)!! Are you...

« Garantie des accidents de la vie » : Accident insurance

« Garantie des accidents de la vie » : Accident insurance

K, this is one of those insurance that you might think you don’t need! But when the accident happens, you wished you had it! Especially if you are clumsy! Or if you are very sporty or like gardening! There is about 11 million non-occupational...

Allianz Obsèques-funeral cover

Allianz Obsèques-funeral cover

Sorry to be gloomy this month but here is one of our most popular policies which gives a lump sum to beneficiaries of your choice to help them pay for your funeral. Funnily enough, we all have house insurance in case our house burns down but not all of us have...

« Etat de catastrophe naturelle et technologique »

« Etat de catastrophe naturelle et technologique »

Catastrophe naturelle : What is it : This is an insurance that covers the risk of natural disasters such as earthquakes, landslides, flooding, drought, sea surges, massive storms, etc, basically natural disasters. This insurance is included in your house and car...

Car insurance

Car insurance

et’s face it, we cannot do without it as most of us live in the countryside and buses are sparse! So make sure you understand fully how it works in France. Yes, it is different than in the UK. To start with, we drive on the correct side of the...