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LIVING IN FRANCE

Why you can only get to know the real France if you leave Paris

Life in rural France is slow, the people are warm, it's safe and nothing seems to be open. In other words it's totally different to Paris writes Oliver Gee, who’s halfway through a mammoth honeymoon trip around France on a red scooter.

Why you can only get to know the real France if you leave Paris
Photo: Instagram/Earful Tower
I’ve lived in Paris for almost four years and I love it. Croissants, café terraces, rue Montorgueil. Oui, oui, oui, oh la la. 
 
But I’ve always had a feeling that Paris is not very representative of the entire country. And I’ve long suspected that French people, real French people, are nothing like the Parisians. 
 
With this in mind, I took my typically Parisian red scooter, convinced my wife to jump on the back, and set off to explore the entire country at 45km an hour for our honeymoon.
 
In the six weeks and 2,500 kilometres since we began I’ve had the chance to truly experience the sights, smells, tastes of France and it’s shone a new perspective on my adopted home of Paris. 
 
How? Well, the overwhelming thing I’ve noticed is that French people are typically very kind, which might come as a surprise to you if your image of a French person is a surly, rude, cigarette-smoking waiter. 
 
No, typical French people are absolutely not rude. In fact, they're typically talkative and helpful. Two wheat farmers in Charente-Maritime repaired my broken-down scooter then gifted me the tool to fix it next time. 
 
A woman in the Gironde offered me eggs and tomatoes after I'd left it too late to find a restaurant for dinner. A village doctor printed out sight-seeing tips for the region after diagnosing me with Lyme Disease.
 
 
And, as I’ve crossed the country, I’ve noticed a decided calm to the waiters, shopkeepers, and service staff. Yes, they’re keen to have a lengthy chat with you, the person behind you, and especially the person in front of you – which takes some getting used to.
 
Sure, it can sometimes drive you up the wall if you’re desperate for a warm baguette, but there’s a certain comfort to it too. 
 
Another comforting aspect to life outside Paris is that there’s the unmistakable scent of trust in the air.
 
In Paris, I’ve had the scooter broken into numerous times. Someone once even destroyed the steering lock in an unsuccessful bid to wheel it off in the night. But in the villages and small towns of France, we’ve gone weeks without even getting out the lock.
 
In some places we’ve even left the luggage attached while we went off to explore. Imagine doing that in Paris, where thieves will literally take your phone out of your pocket. 
 
In the Charente, a hairdresser who didn't accept payment by card said I could return “anytime in the next few days” to settle the bill with cash (there were no ATMs in the village either). 
 
Granted, there are a lot of things I’ve come to appreciate about Paris too since I’ve been away.
 

 
 
 

 
 
 
 
 

 
 

 
 
 

Oh hello there. Just wanted to say thanks for listening to the podcast. Have a nice day 🙂

A post shared by The Earful Tower (@theearfultower) on Sep 26, 2018 at 8:50am PDT

 
It’s incredibly frustrating how many things are closed on seemingly random days across France. We missed the historical theme park, the Puy-de-Fou, because it was closed Mondays, Tuesdays, and Wednesdays.
 
We’ve gone hungry in several villages because everything took us by surprise and closed at 2 pm. And we’ve missed more than one activity because it simply didn’t run on a Wednesday. Or a Friday. Or a Saturday.
 
Anyway, this first foray into France has proven to be an incredible part of the world, but now it’s time to hit the road and explore the south. And, I’m told, it only gets better here on in. Bring on Provence. 
 
Oliver Gee is the host of The Earful Tower podcast. Join him for the next 2,500 kilometres here.

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PROPERTY

How to ensure your French property is insured for storm damage

Storm Ciaran’s property-wrecking passage through France - with another storm forecast for the weekend - may have many people wondering how comprehensive their insurance cover is. 

How to ensure your French property is insured for storm damage

In the wake of Storm Ciaran, thousands of property owners in France are preparing insurance claims – with initial estimates of the bill for damage between €370 million and €480 million.

Home insurance is compulsory in France, whether you own the property you live in or you rent – and it must include some level of storm damage cover. 

Check also to see if your insurance provides cover in case of a declaration of a catastrophe naturelle.

The garantie tempête (storm guarantee) covers damage caused by violent winds. What constitutes a ‘violent wind’ varies from contract to contract, but there appears to be a widespread consensus of agreement on wind speeds over 100km/h.

In most insurance contracts, this covers damage caused by the storm and within the following 48 hours – so you’re covered if, for example, a tree weakened by the storm comes down within that period and damages your property.

Be aware that, while the storm guarantee automatically covers the main property, it generally only covers any secondary buildings and light constructions – such as a veranda, shed, solar panels, swimming pool or fence – if they are specifically mentioned in the contract. 

The same is true of any cars damaged by debris. A basic insurance contract might not include storm damage, so it is always worth checking.

Damage must be reported to your insurer as quickly as possible. The deadline for making declarations is usually five days after any damage is noticed. This is especially important for second home owners, who may not be at the property when the damage occurs. 

In some cases – such as in the aftermath of Storm Ciaran – insurers may extend the reporting period. But under normal circumstances, it’s five days after the damage has been discovered.

What happens next

To make a claim, the first thing to do is contact your insurer by phone or email. Your insurer will take you through the next steps, but usually you have to send in a declaration – which should include an estimate of any losses and for any repairs, with evidence where possible, such as photographs and any receipts for purchases. 

Your insurer may also request proof of wind intensity, which can be provided for example by a nearby weather station.

The insurance company may appoint an expert to come and assess the damage, so make sure to keep damaged property safe until they arrive, as well as all invoices for any urgent repair work. 

What if you’re a tenant?

If you rent your property, you must report any damage inside the accommodation to your insurer and also notify your landlord so that they can file their own claim. 

In the case of a co-propriete, you must declare damage inside the accommodation to your insurer, while the trustee sends his own declaration to the collective insurance (which sometimes covers the private areas) .

How long does it take for claims to be settled?

Payment of the compensation provided for by the “storm guarantee” depends your home insurance contract. After the insurer has estimated the amount of damage, compensation is generally paid between 10 and 30 days following receipt of the insured’s agreement.

What if we got flooded?

In the case of flooding, you may have to wait for a natural disaster order to be issued. 

Catastrophe naturelle

The ‘state of natural disaster’ is a special procedure that was set up in 1982 so victims of exceptional natural events, such as storms, heavy rain, mudslides and flooding, as well as drought, can be adequately compensated for damage to property.

The government evaluates each area and deems whether it qualifies for the status of catastrophe naturelle (natural disaster). 

Essentially once a zone is declared a natural disaster, victims can claim from a pot of funds created by all insurers. If the zone is not declared a disaster, insurance companies are under no obligation to pay out. 

Under a “state of natural disaster” residents are covered for all those goods and property that are directly damaged by the phenomenon, in this case storms.

It applies to residential or commercial buildings, furniture, vehicles and work equipment that are already covered by insurance policies.

Homes must be already covered by a multi-risk insurance policy for the status of natural disaster to count.

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