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LIVING IN FRANCE

Why has France’s birth rate dropped for a fourth year in a row?

France's birth rate has dropped for the fourth year in a row, new statistics revealed on Tuesday, leaving a question hanging over how long the French can hold onto their title as the baby-making champions of Europe. *French language learner article.*

Why has France's birth rate dropped for a fourth year in a row?
Photo: AFP
*This is a French language learner article. The words in bold are translated into French at the bottom of the article.
 
France has maintained its crown as Europe's most fertile country but that could soon be a thing of the past if the latest numbers from France's national office of statistics Insee are anything to go by. 
 
A total of 758,000 babies were born in France last year, which is 12,000 fewer than in 2017 although the drop in the number of births does seem to be slowing down. 
 
There are now an average of 1.87 children per woman in France compared to 2017 when that figure stood 1.88.
 
It is the fourth year in a row that the number births in France has dropped in a country that was once proud of its high fertility levels. 
 
French birth rate drops below symbolic level
Photo: Kristina Servant/Flickr
 
In 2015 The Local reported that France had the highest birth rate in Europe at 1.96 children per woman, although this was also down from the symbolic rate of two children per mother in 2014.
 
Part of the reason, as reported by Insee, is due to the fact that there are fewer and fewer women of child-bearing age in France.
 
The number of 20 to 40-year-old women have been on the decrease in France since the 1990's, as women born in the Baby Boom period of 1946-1964 start to leave that age bracket.

 
In 2018, there were 8.4 million French women aged between 20 and 40, compared to 8.8 million in 2008 and 2009. 
 
The economic downturn is also believed to have had an influence.
 
The National Union of Family Associations (UNAF) is concerned by the falling birthrate and sees it as “probable proof that families have less and less confidence in the future and that their day to day existence with children has deteriorated”. 
 
The union adds that “This decline is therefore probably a sign of increasing difficulties and constraints for families. Moreover, it is a high-risk trend for France, whose welfare system (pensions, health insurance …) is based on its demography.”
 
UNAF has long criticized consecutive French government's policies towards families which have seen benefits and allowances cut in recent years, tax credits reduced and VAT rise, all of which have made having a family more expensive.
 
The concern for economies is that a lagging birth rate means a smaller and smaller population of workers supporting an ever growing number of retirees who are drawing pensions. They also raise the possibility of shrinking nations, as countries need a fertility rate of 2.07 children per woman to keep their populations steady.
 
In order to stabilise the number of babies being born, France has prioritized key incentives like subsidized daycare, cash support payments to families and a range of discounts.

 
However some experts say that there's no need to worry just yet due to the fact that France's birth rate is still relatively high. 
 
The rules you need to follow when naming your child in France
Photo: AFP
 
“There was a peak in 2010, then a decline since 2015,” Lawrence Toulemon, a demographer at the National Institute of Demographic Studies, told Le Monde.
 
Nevertheless, if we look at the last 40 years, the fertility rate of French women remains relatively stable, with between 1.8 and 2 children per woman since 1975, with the exception of a drop to around 1.65 in the 1990s.”
 
In fact, according to the latest data from Eurostat in 2016, France has the highest fertile rate of any European country.
 
The reason why France was considered to have maintained a healthy birth rate was down to its generous health and welfare system, relatively low childcare costs and high public spending on families.
 
“Although this is not the reason why they choose to have children, couples know that they will be able to work relatively quickly after a birth, and that they will not be forced to pay a very high price for education,” said Toulemon.
 
“In France, it is rather couples of childbearing age who do not have children who are singled out,” he adds.

 
Deaths on the rise
 
The Insee report also revealed that the natural balance (the difference between births and deaths) in France was at its lowest since the Second World War. 
 
This is because in addition to the drop in the number of births there were a record number of deaths in France in 2018. 
 
As of January 1st 2019, France had 66,993,000 inhabitants, with 64,812,000 living in mainland France and 2,181,000 in the country's overseas territories.
 
In 2018, the country's population increased by 0.3 percent. 
 
 
 
Fertile – fertile
 
Statistics – statistiques
 
Average – le moyen, la moyenne
 
Birth rate – le taux de natalité
 
Baby boom – le baby-boom (une explosion démographique)
 
Economic downturn – une ralentissement économique
 
Retirees – un retraité, une retraitée
 
Incentive – une avantage 
 
Nevertheless – néanmoins
 
Welfare system – assistance sociale
 
Public spending – dépenses publiques
 
Childcare – garde d'enfants
 

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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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