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LIVING IN FRANCE

Daily dilemmas: Would you shop at markets in France or supermarkets?

Going to the market and buying locally-grown fruit and locally-reared meat is a rite of passage in France - but are markets being squeezed out by supermarkets?

Daily dilemmas: Would you shop at markets in France or supermarkets?
Photo: AFP

We asked readers of The Local, and for the first time there was a sharp divide between our Twitter and Facebook audiences.

On Facebook, markets took a commanding lead with 71 per cent of the votes.

 

There were also numerous supportive comments on markets.

Cindy Sangiovanni said: “Local markers for me!” while Barbara Kathryn flagged up the benefits of having both open-air and covered markets, plus the occasional night time market.

But on Twitter, supermarkets won the day with 57 per cent of the votes.

 

Convenience was, of course, a major factor for the supermarket users.

Gina Browning said: “In an ideal world I'd only shop local and wouldn't support the big chains. But we don't live in an ideal world.”

Camilla Radford Furman agreed, saying: “With my hectic schedule, going to the open-air market is a treat. I use a delivery service for convenience.”

And of course many people use both, the market for the experience and the supermarket for convenience.

But we may have inadvertently skewed the poll by running it during a heatwave, as supermarket air conditioning won the day for some readers.

Jan Rees pointed out: “In this heat the supermarket is THE place to be with a constant cool temperature.”


Covered markets are ideal for bad weather. Photo: AFP

French markets are a real expression of a culture that values good food and are a major draw for both residents and holidaymakers.

They offer superb quality produce but there are some rules that you need to be aware of.

Mauling the fruit and veg is generally not encouraged, it's all good quality so if you want something specific it's best to just point.

Markets also generally have set prices, so stallholders will not be impressed if you try to haggle (save that for the brocante antiques market where you can often negotiate yourself a bargain).

It's also wise to check online in advance where and when the markets are, as they don't appear every day and can change times according to the season. But whenever you go, it's best to get there early as food markets tend to pack up at around lunchtime.

The markets are also fiercely seasonal so it won't be at all uncommon to find several entire stalls dedicated to apricots, cherries, mushrooms, or whatever has just been harvested.

READ ALSO All you need to know about shopping at French markets 

A very different experience, but another frequently cited by holidaymakers as something of a thrill, is shopping at a French supermarket.

For Brits of a certain age the French supermarket has a certain piquancy as France was thrusting into the hypermarché age when most British supermarkets only had two checkouts.

They still have an excellent range of products, with a lot more organic and locally reared produce than many other countries' supermarkets, but there is increasing evidence that the French themselves are falling out of love with the hypermarché and the big chains have been struggling in recent years.

Despite that, supermarkets still have enough of a place in the nation's hearts to feature in the French government's recent advice on how to stay cool in a heatwave.

Also – let's be honest – the big draw for many people is the good quality wine available at very reasonable prices in all French supermarkets.

READ ALSO Eight tips on buying wine in French supermarkets

 

Member comments

  1. The one thing that puts me off about French outdoor markets is the constant crowding of people and disorganization–nobody forms a line or takes a turn. It’s chaos. There was a butcher at the Richard Lenoir Sunday market that made everyone form a line and take their turn. He always got my business. He must be as crowd claustrophobic as I am!

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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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